Civic Intelligence

Emerald Coast Business Womens Association Inc

EIN 56-2501532 • 501(c)3 • Panama City, FL

Profile

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.

653 W 23rd Street 209Panama City, FL 32405

emeraldcoastbwa.clubexpress.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2025

Net Margin

61st percentile

5.9%

Higher net margin than 61% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

57th percentile

2.1%

Faster asset growth than 57% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

33rd percentile

-12%

Faster revenue growth than 33% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Up

$116,463

Up $2,411 (+2.1%) from 2024

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Up

$116,463

Up $2,411 (+2.1%) from 2024

Operations
Liabilities / RevenueScore unavailableNet Margin61st percentile

Revenue

Down

$40,653

Down $5,556 (-12%) from 2024

Expenses

Down

$38,241

Down $192 (-0.5%) from 2024

Net Income

Down

$2,412

Down $5,364 (-69%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth57th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150K$100K$50K$0Assets 2010: $39,190Liabilities 2010: $0Net Assets 2010: $39,1902010Assets 2011: $35,740Liabilities 2011: $0Net Assets 2011: $35,7402011Assets 2012: $34,919Liabilities 2012: $0Net Assets 2012: $34,9192012Assets 2013: $30,238Liabilities 2013: $779Net Assets 2013: $29,4592013Assets 2014: $38,882Liabilities 2014: $779Net Assets 2014: $38,1032014Assets 2015: $32,802Liabilities 2015: $0Net Assets 2015: $32,8022015Assets 2016: $52,820Liabilities 2016: $0Net Assets 2016: $52,8202016Assets 2017: $67,117Liabilities 2017: $0Net Assets 2017: $67,1172017Assets 2018: $88,022Liabilities 2018: $0Net Assets 2018: $88,0222018Assets 2019: $66,837Liabilities 2019: $0Net Assets 2019: $66,8372019Assets 2020: $71,069Net Assets 2020: $71,0692020Assets 2021: $47,339Net Assets 2021: $47,3392021Assets 2022: $80,350Net Assets 2022: $80,3502022Assets 2023: $106,276Net Assets 2023: $106,2762023Assets 2024: $114,052Net Assets 2024: $114,0522024Assets 2025: $116,463Net Assets 2025: $116,4632025

Highlighted filing

2025

Assets$116,463
Liabilities-
Net Assets$116,463
Open 2025 Filing

Operations Trend

Revenue Growth33rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60K$40K$20K$0-$20K-$40KExpenses 2010: $21,0882010Expenses 2011: $25,6182011Expenses 2012: $25,2022012Expenses 2013: $26,0582013Revenue 2014: $35,023Expenses 2014: $25,287Net Income 2014: $9,7362014Revenue 2015: $21,969Expenses 2015: $24,686Net Income 2015: -$2,7172015Revenue 2016: $50,665Expenses 2016: $29,217Net Income 2016: $21,4482016Revenue 2017: $50,046Expenses 2017: $34,787Net Income 2017: $15,2592017Revenue 2018: $51,277Expenses 2018: $30,370Net Income 2018: $20,9072018Revenue 2019: $5,248Expenses 2019: $27,634Net Income 2019: -$22,3862019Revenue 2020: $41,215Expenses 2020: $38,143Net Income 2020: $3,0722020Revenue 2021: $1,515Expenses 2021: $25,245Net Income 2021: -$23,7302021Revenue 2022: $55,922Expenses 2022: $21,710Net Income 2022: $34,2122022Revenue 2023: $45,255Expenses 2023: $19,329Net Income 2023: $25,9262023Revenue 2024: $46,209Expenses 2024: $38,433Net Income 2024: $7,7762024Revenue 2025: $40,653Expenses 2025: $38,241Net Income 2025: $2,4122025

Highlighted filing

2025

Revenue$40,653
Expenses$38,241
Net Income$2,412
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$116,463
Liabilities
-
Net assets
$116,463
Revenue
$40,653
Expenses
$38,241
Net income
$2,412
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.16$1.16$0.41$0.38$0.02
2024Detailed filing. Detailed filing data is available for this year.$1.14$1.14$0.46$0.38$0.08
2023Detailed filing. Detailed filing data is available for this year.$1.06$1.06$0.45$0.19$0.26
2022Detailed filing. Detailed filing data is available for this year.$0.80$0.80$0.56$0.22$0.34
2021Detailed filing. Detailed filing data is available for this year.$0.47$0.47$0.02$0.25$0.24
2020Detailed filing. Detailed filing data is available for this year.$0.71$0.71$0.41$0.38$0.03
2019Detailed filing. Detailed filing data is available for this year.$0.67$0.00$0.67$0.05$0.28$0.22
2018Detailed filing. Detailed filing data is available for this year.$0.88$0.00$0.88$0.51$0.30$0.21
2017Detailed filing. Detailed filing data is available for this year.$0.67$0.00$0.67$0.50$0.35$0.15
2016Detailed filing. Detailed filing data is available for this year.$0.53$0.00$0.53$0.51$0.29$0.21
2015Detailed filing. Detailed filing data is available for this year.$0.33$0.00$0.33$0.22$0.25$0.03
2014Detailed filing. Detailed filing data is available for this year.$0.39$0.01$0.38$0.35$0.25$0.10
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.30$0.01$0.29$0.26
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.35$0.00$0.35$0.25
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.36$0.00$0.36$0.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.39$0.00$0.39$0.21
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
May 1, 2024 to Apr 30, 2025
Signed
Sep 2, 2025
Return Version
2024v5.0
Gross Receipts
$59,197
Mission and Program Overview

Mission

To provide women with the knowledge, support, and skills necessary to better themselves personally and within the community.

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.

Program Services

DescriptionGrantsExpenses
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.$30,242$30,576
MONTHLY MEETINGS: SPEAKERS ARE PROVIDED TO ENHANCE THE KNOWLEDGE AND SKILLS OF THE ORGANIZATION'S MEMBERS.-$5,273
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
PHILOMENA MARTRAINBoard Member-$0--
LYNDSEY BLANKSPresident-$0--
PATTI SMITHSecretary-$0--
ELIZABETH RADKETreasurer-$0--
VICKIE GARRETTPresident El-$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Death by Chocol$51,960$51,960$6,534$45,426
Total Events$51,960$51,960$18,544$33,416
Filing and Contact Details

Filer

Filer Name
Emerald Coast Business Womens
EIN
56-2501532
Phone
8506249413
Address
653 W 23RD STREET 209, PANAMA CITY, FL 32405

Signing Officer

Name
Elizabeth Radke
Title
Treasurer
Phone
8506249413
Signed
2025-09-02
Discuss with paid preparer
Yes

Preparer

Firm
Graham Yaden Pc
Address
1111 HILLCREST RD STE 220, MOBILE, AL 36695-3952
Preparer
Elizabeth G Radke CPA
Phone
2513407345
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 10

“Cash contribution: 30,242 relationship: scholarship applican”

Form 990-ez, Part I, Line 16

“Expenses advertising and promotion 543 dues & subscriptions 459 bank/cc fees 923 monthly meeting catering 2,627 757 licensing 789 total 6,098”

Form 990-ez, Part III

“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.”

Raw XML Appendix145 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BenefitsPaidToOrForMembersAmt050
IRS990EZ/BooksInCareOfDetail/PersonNm0ELIZABETH RADKE
IRS990EZ/BooksInCareOfDetail/PhoneNum08506249413
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01700 NEW HAMPSHIRE AVENUE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0LYNN HAVEN
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd032444
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0114051
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0116463
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt0440
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt02412
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0500
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0114051
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0116463
IRS990EZ/FundraisingGrossIncomeAmt051960
IRS990EZ/GrantsAndSimilarAmountsPaidAmt030242
IRS990EZ/GrossReceiptsAmt059197
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt0862
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt05935
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0114051
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0116463
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0114051
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0116463
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt2000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt3000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt4000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0PHILOMENA MARTRAIN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1LYNDSEY BLANKS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2PATTI SMITH
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3ELIZABETH RADKE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4VICKIE GARRETT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4PRESIDENT EL
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt06098
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0CONTRIBUTE 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.
IRS990EZ/PrintingPublicationsPostageAmt01351
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0MONTHLY MEETINGS: SPEAKERS ARE PROVIDED TO ENHANCE THE KNOWLEDGE AND SKILLS OF THE ORGANIZATION'S MEMBERS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1PROVIDE 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.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt030242
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt05273
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt130576
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt018544
IRS990EZ/SpecialEventsNetIncomeLossAmt033416
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt038241
IRS990EZ/TotalProgramServiceExpensesAmt035849
IRS990EZ/TotalRevenueAmt040653
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0EMERALDCOASTBWA.CLUBEXPRESS.COM
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0440
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0440
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt058757
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt0440
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0440
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0440
IRS990ScheduleA/TotalSupportAmt0440
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt018544
IRS990ScheduleG/FundraisingEventInformationGrp/EntertainmentEvent1Amt0450
IRS990ScheduleG/FundraisingEventInformationGrp/EntertainmentTotalEventsAmt0450
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0DEATH BY CHOCOL
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt051960
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt051960
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt051960
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt051960
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt033416
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt06534
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt06534
IRS990ScheduleG/FundraisingEventInformationGrp/RentFacilityCostsEvent1Amt011560
IRS990ScheduleG/FundraisingEventInformationGrp/RentFcltyCostsTotalEventsAmt011560
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CASH CONTRIBUTION: 30,242 RELATIONSHIP: SCHOLARSHIP APPLICAN
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EXPENSES ADVERTISING AND PROMOTION 543 DUES & SUBSCRIPTIONS 459 BANK/CC FEES 923 MONTHLY MEETING CATERING 2,627 757 LICENSING 789 TOTAL 6,098
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CONTRIBUTE 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.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART III
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ELIZABETH RADKE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum08506249413
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0EMERALD COAST BUSINESS WOMENS
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0ASSOCIATION INC
ReturnHeader/Filer/BusinessNameControlTxt0EMER
ReturnHeader/Filer/EIN0562501532
ReturnHeader/Filer/PhoneNum08506249413
ReturnHeader/Filer/USAddress/AddressLine1Txt0653 W 23RD STREET 209
ReturnHeader/Filer/USAddress/CityNm0PANAMA CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd032405
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202976754
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GRAHAM YADEN PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01111 HILLCREST RD STE 220
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MOBILE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0AL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0366953952
ReturnHeader/PreparerPersonGrp/PhoneNum02513407345
ReturnHeader/PreparerPersonGrp/PreparationDt02025-09-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ELIZABETH G RADKE CPA
ReturnHeader/ReturnTs02025-09-03T09:26:53-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-05-01
ReturnHeader/TaxPeriodEndDt02025-04-30
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)6 • <$500k nonprofits