Emerald Coast Business Womens Association Inc

Nonprofit profile at a glance

EIN
562501532
IRS 990-EZ coverage
2019–2025
Forms available
Form 990 2018, Form 990-EZ 2025
Location
Panama City, FL, USA
Phone
8506249413
Rating
85
Verdict
STRONG
Rating confidence
Moderate
Sector
Scholarships, Student Financial Aid Services, Awards

Reported finances

Revenue
$44,745
Expenses
$42,648
Assets
$118,559

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

6 people listed

Executive titles in this filing

  • VICKIE GARRETT (PRESIDENT)

People named in this filing

  • PHILOMENA MARTRAIN (BOARD MEMBER)
  • PATTI SMITH (SECRETARY)
  • ELIZABETH RADKE (TREASURER)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Contribute to the development of the bay county area through building up and supporting female business leaders and to cultivate future women business leaders through scholarship.

What it reported doing in 2025

Provide tuition and qualified education cost assistance to local adult women in pursuit of undergraduate degrees, certificate programs, or licensure programs at qualified higher education institutions.

Operating model

Revenue model
Other-operating. 83% of the money available for current operations came from other operating revenue.
Distribution model
Grant intermediary. The nonprofit sent 86% of its reported program spending out as grants.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and reported officer compensation is a large share of total spending, which may reflect staffing concentration.

Rating breakdown

  • Financial Efficiency: 90
  • Transparency & Controls: 82
  • Sustainability: 53
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 88.6%; rating input score 89
  • Program expense ratio: 92.7%; rating input score 93

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
  • Major donor itemization: Limited

Sustainability

  • Operating margin: 4.7%; rating input score 53; 53rd percentile among comparable filings
  • Total-asset coverage ratio: 2.78; rating input score 73; 73rd percentile among comparable filings
  • Liabilities to assets ratio: Limited
  • Officer compensation ratio: 0%; rating input score 56; 56th percentile among comparable filings

Growth

  • Program expense growth: 5.2% per year; rating input score 100; 61st percentile among comparable filings
  • Revenue growth: 3.8% per year; rating input score 100; 65th percentile among comparable filings
  • Asset growth: 8.4% per year; rating input score 100; 66th percentile among comparable filings

Details

  • Where the money goes: 88.6% of revenue deployed · 92.7% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 2 filed program accomplishments · $40K in reported program spending
  • Leadership: top reported pay $0 · 6 people listed
  • Consistency: 7 of 7 current checks pass
  • Schedules: 3 filed schedules
  • Filing history: 7 filing years from 2019 to 2025
  • Contacts: How to reach this organization
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Sustainability: Operating margin scored 53/100.
  • Review — Sustainability: Officer compensation ratio scored 56/100.