Civic Intelligence

Destin Chamber of Commerce Inc

EIN 59-1145150 • 501(c)6 • Destin, FL

Profile

To promote the local community through member activities.

4484 Legendary Drive ADestin, FL 32541

www.destinchamber.com

Siviq Scores

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

Liabilities / Assets

42nd percentile

0.02x

Higher debt load relative to assets than 42% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2025

Liabilities / Revenue

44th percentile

0.02x

Higher debt load relative to revenue than 44% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2025

Net Margin

24th percentile

-5.6%

Higher net margin than 24% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2025

Top Officer Pay

85th percentile

$145,169

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 28.0% of source-year revenue.

501(c)6 • $500k-$1M nonprofits • Source year 2025

Asset Growth

25th percentile

-5.9%

Faster asset growth than 25% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Revenue Growth

21st percentile

-7.0%

Faster revenue growth than 21% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Down

$671,563

Down $42,178 (-5.9%) from 2024

Liabilities

Down

$12,687

Down $12,881 (-50%) from 2024

Net Assets

Down

$658,876

Down $29,297 (-4.3%) from 2024

Operations
Liabilities / Revenue44th percentileNet Margin24th percentile

Revenue

Down

$518,891

Down $38,807 (-7.0%) from 2024

Expenses

Down

$548,188

Down $268 (-0.0%) from 2024

Net Income

Down

-$29,297

Down $38,539 (-417%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

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

$1.5M$1.0M$500K$0Assets 2010: $966,616Liabilities 2010: $673,178Net Assets 2010: $293,4382010Assets 2011: $1,039,096Liabilities 2011: $582,103Net Assets 2011: $456,9932011Assets 2012: $996,903Liabilities 2012: $547,153Net Assets 2012: $449,7502012Assets 2013: $605,114Liabilities 2013: $186,481Net Assets 2013: $418,6332013Assets 2014: $593,343Liabilities 2014: $217,217Net Assets 2014: $376,1262014Assets 2015: $606,980Liabilities 2015: $164,828Net Assets 2015: $442,1522015Assets 2016: $617,537Liabilities 2016: $156,008Net Assets 2016: $461,5292016Assets 2017: $620,887Liabilities 2017: $145,744Net Assets 2017: $475,1432017Assets 2018: $628,061Liabilities 2018: $133,994Net Assets 2018: $494,0672018Assets 2019: $602,701Liabilities 2019: $71,643Net Assets 2019: $531,0582019Assets 2020: $592,597Liabilities 2020: $68,365Net Assets 2020: $524,2322020Assets 2021: $683,210Liabilities 2021: $55,550Net Assets 2021: $627,6602021Assets 2022: $711,257Liabilities 2022: $47,966Net Assets 2022: $663,2912022Assets 2023: $715,663Liabilities 2023: $36,733Net Assets 2023: $678,9302023Assets 2024: $713,741Liabilities 2024: $25,568Net Assets 2024: $688,1732024Assets 2025: $671,563Liabilities 2025: $12,687Net Assets 2025: $658,8762025

Highlighted filing

2025

Assets$671,563
Liabilities$12,687
Net Assets$658,876
Open 2025 Filing

Operations Trend

Revenue Growth21st percentile

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

$1.0M$500K$0-$500KExpenses 2010: $779,3942010Expenses 2011: $525,8642011Expenses 2012: $493,5222012Revenue 2013: $582,264Expenses 2013: $613,381Net Income 2013: -$31,1172013Revenue 2014: $558,540Expenses 2014: $601,047Net Income 2014: -$42,5072014Revenue 2015: $584,967Expenses 2015: $518,942Net Income 2015: $66,0252015Revenue 2016: $579,290Expenses 2016: $559,913Net Income 2016: $19,3772016Revenue 2017: $546,012Expenses 2017: $532,398Net Income 2017: $13,6142017Revenue 2018: $565,179Expenses 2018: $546,255Net Income 2018: $18,9242018Revenue 2019: $567,387Expenses 2019: $530,396Net Income 2019: $36,9912019Revenue 2020: $454,041Expenses 2020: $460,868Net Income 2020: -$6,8272020Revenue 2021: $573,065Expenses 2021: $469,639Net Income 2021: $103,4262021Revenue 2022: $514,725Expenses 2022: $479,096Net Income 2022: $35,6292022Revenue 2023: $579,654Expenses 2023: $564,014Net Income 2023: $15,6402023Revenue 2024: $557,698Expenses 2024: $548,456Net Income 2024: $9,2422024Revenue 2025: $518,891Expenses 2025: $548,188Net Income 2025: -$29,2972025

Highlighted filing

2025

Revenue$518,891
Expenses$548,188
Net Income-$29,297
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$671,563
Liabilities
$12,687
Net assets
$658,876
Revenue
$518,891
Expenses
$548,188
Net income
-$29,297
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.67$0.01$0.66$0.52$0.55$0.03
2024Detailed filing. Detailed filing data is available for this year.$0.71$0.03$0.69$0.56$0.55$0.01
2023Detailed filing. Detailed filing data is available for this year.$0.72$0.04$0.68$0.58$0.56$0.02
2022Detailed filing. Detailed filing data is available for this year.$0.71$0.05$0.66$0.51$0.48$0.04
2021Detailed filing. Detailed filing data is available for this year.$0.68$0.06$0.63$0.57$0.47$0.10
2020Detailed filing. Detailed filing data is available for this year.$0.59$0.07$0.52$0.45$0.46$0.01
2019Detailed filing. Detailed filing data is available for this year.$0.60$0.07$0.53$0.57$0.53$0.04
2018Detailed filing. Detailed filing data is available for this year.$0.63$0.13$0.49$0.57$0.55$0.02
2017Detailed filing. Detailed filing data is available for this year.$0.62$0.15$0.48$0.55$0.53$0.01
2016Detailed filing. Detailed filing data is available for this year.$0.62$0.16$0.46$0.58$0.56$0.02
2015Detailed filing. Detailed filing data is available for this year.$0.61$0.16$0.44$0.58$0.52$0.07
2014Detailed filing. Detailed filing data is available for this year.$0.59$0.22$0.38$0.56$0.60$0.04
2013Detailed filing. Detailed filing data is available for this year.$0.61$0.19$0.42$0.58$0.61$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.00$0.55$0.45$0.49
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.04$0.58$0.46$0.53
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.97$0.67$0.29$0.78
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 1, 2026
Return Version
2025v4.0
Gross Receipts
$551,271
Mission and Program Overview

Mission

To promote the local community through member activities.

Promote the local community through member activities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$395,327$397,680▲ $2,353
Cash and Non-Interest-Bearing Accounts$172,727$189,461▲ $16,734
Savings and Temporary Cash Investments$141,907$81,109▼ $60,798
Intangible Assets$2,722$2,255▼ $467
Total Assets$713,741$671,563▼ $42,178
Other Assets Total$1,058$1,058→ $0
Liabilities
Other Liabilities$25,074$12,687▼ $12,387
Accounts Payable and Accrued Expenses$494--
Total Liabilities$25,568$12,687▼ $12,881
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$688,173$658,876▼ $29,297
Total Net Assets Fund Balance$688,173$658,876▼ $29,297
Total Liabilities and Net Assets / Fund Balance$713,741$671,563▼ $42,178

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$212,631$337,840$550,471
Other Land Buildings$20,110$174,353$194,463
Land$164,939-$164,939
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Shane MoodyExecutive DirectorFT$145,169$145,169

Board Members and Trustees

NameTitle
Monica WallisChairman
John CarnsCHAIRMAN'S APPOINTEE
Mac McfarlandCHAIRMAN'S APPOINTEE
Branden CrosbyChairman-elect
Christian CarleeImmediate Past Chairman
Jenni BrunsonImmediate Past Chairman
Bryan OsborneVice Chairman
Alisha HurwoodVice Chairman- Community &
Tyler JarvisVice Chairman- Government
Bernard JohnsonDirector
David ButlerDirector
Doug RainerDirector
Eric NavarreDirector
Jason HallDirector
John ToombsDirector
Kc DonaheyDirector
Mel PonderDirector
Neko StubblefieldDirector
Wayne BernheiselDirector
Kim WintnerSpecial Appointee-military
Capt Chad RewisTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$345,803
Program Service Revenue
$131,749
Investment Income
$11,465
Other Revenue
$29,874
Change in Net Assets
$-29,297
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$319,181
Other Expenses$229,007
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$145,169
Other Salaries and Wages---$121,951
Office Expenses---$38,510
Occupancy---$24,455
Other Employee Benefits---$24,396
Fees for Services Accounting---$22,964
Payroll Taxes---$21,298
Depreciation Depletion---$20,301
Insurance---$19,533
Conferences and Meetings---$8,515
Pension Plan Contributions---$6,367
All Other Expenses---$3,556
Other Expenses---$2,614
Information Technology---$2,340
Fees for Services Other---$2,097
Travel---$1,088
Interest---$1,031
Total Functional Expenses$0$0$0$548,188
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$59,190
Fundraising Direct Expenses$32,380
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Tournaments$30,051$30,051$17,029$13,022
Bourbon on the Bay$29,139$29,139$15,351$13,788
Total Events$59,190$59,190$32,380$26,810
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
N/p - Trustmark Bank$11,456
401k Payable$1,061
Credit Card Payable$170
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The board of directors does not review the form 990 before it is filed with the irs.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policy, and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Destin Chamber of Commerce Inc
EIN
59-1145150
Phone
8508376241
Address
4484 LEGENDARY DRIVE A, DESTIN, FL 32541

Signing Officer

Name
Shane Moody
Title
Executive Director
Phone
8508372711
Signed
2026-03-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Shane Moody
Formed
1966
Legal Domicile
Fl
Voting Board Members
21
Independent Board Members
21
Employees
6
Volunteers
0

Preparer

Firm
Warren Averett LLC
Address
36474C EMERALD COAST PKWY SUITE, 3301, DESTIN, FL 32541
Preparer
Branden M Crosby CPA
Phone
8508370398
Raw XML AppendixShowing 400 of 484 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.

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN-ELECT
IRS990/Form990PartVIISectionAGrp/TitleTxt2IMMEDIATE PAST CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3IMMEDIATE PAST CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIRMAN- COMMUNITY &
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE CHAIRMAN- GOVERNMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt7TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHAIRMAN'S APPOINTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHAIRMAN'S APPOINTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10SPECIAL APPOINTEE-MILITARY
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21EXECUTIVE DIRECTOR
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IRS990/Form990TFiledInd01
IRS990/FormationYr01966
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd01
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IRS990/FundraisingGrossIncomeAmt059190
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/IndivRcvdGreaterThan100KCnt01
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IRS990/InsuranceGrp/TotalAmt019533
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IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembershipDuesAmt0297103
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROMOTE THE LOCAL COMMUNITY THROUGH MEMBER ACTIVITIES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/OccupancyGrp/TotalAmt024455
IRS990/OfficeExpensesGrp/TotalAmt038510
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
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IRS990/OtherAssetsTotalGrp/BOYAmt01058
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt024396
IRS990/OtherExpensesGrp/Desc0PROGRAM EXPENSES
IRS990/OtherExpensesGrp/Desc1PUBLICATION EXPENSES
IRS990/OtherExpensesGrp/Desc2MEMBER RELATIONS
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS - MANAGEM
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IRS990/OtherExpensesGrp/TotalAmt114003
IRS990/OtherExpensesGrp/TotalAmt25640
IRS990/OtherExpensesGrp/TotalAmt32614
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IRS990/OtherRevenueMiscGrp/BusinessCd0513140
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS INCOME
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IRS990/OtherSalariesAndWagesGrp/TotalAmt0121951
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt021298
IRS990/PensionPlanContributionsGrp/TotalAmt06367
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0SHANE MOODY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0561499
IRS990/ProgramServiceRevenueGrp/BusinessCd1561499
IRS990/ProgramServiceRevenueGrp/BusinessCd2513140
IRS990/ProgramServiceRevenueGrp/BusinessCd3561499
IRS990/ProgramServiceRevenueGrp/BusinessCd4561499
IRS990/ProgramServiceRevenueGrp/Desc0LEADERS IN BUSINESS LU
IRS990/ProgramServiceRevenueGrp/Desc1ANNUAL DINNER
IRS990/ProgramServiceRevenueGrp/Desc2PUBLICATIONS
IRS990/ProgramServiceRevenueGrp/Desc3DESTIN FORWARD
IRS990/ProgramServiceRevenueGrp/Desc4OTHER PROGRAM REVENUE
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt225042
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IRS990/ProgSrvcAccomActy2Grp/Desc0BUSINESS BEFORE HOURS BREAKFAST, HELD THE SECOND FRIDAY OF EACH MONTH, IS ATTENDED BY MORE THAN 150 BUSINESS PROFESSIONALS WHO ENJOY AN INFORMATIONAL PRESENTATION AND NETWORKING.
IRS990/ProgSrvcAccomActy3Grp/Desc0DESTIN FORWARD, THE CHAMBERS COMMUNITY EDUCATION AND LEADERSHIP PROGRAM, WAS CREATED BY THE BOARD OF DIRECTORS TO HELP FIND AND EDUCATE FUTURE CITY AND BUSINESS LEADERS.
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IRS990/PYOtherRevenueAmt052494
IRS990/PYProgramServiceRevenueAmt0128170
IRS990/PYRevenuesLessExpensesAmt09242
IRS990/PYSalariesCompEmpBnftPaidAmt0321726
IRS990/PYTotalExpensesAmt0548456
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0557698
IRS990/ReconcilationRevenueExpnssAmt0-29297
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IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
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IRS990/ReportProgramRelatedInvstInd00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0141907
IRS990/SavingsAndTempCashInvstGrp/EOYAmt081109
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/BuildingsGrp/BookValueAmt0212631
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0337840
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0550471
IRS990ScheduleD/LandGrp/BookValueAmt0164939
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0164939
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt020110
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0174353
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0194463
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt011456
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1170
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21061
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0N/P - TRUSTMARK BANK
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CREDIT CARD PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2401K PAYABLE
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IRS990ScheduleD/TotalLiabilityAmt012687
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt032380
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0BOURBON ON THE BAY
IRS990ScheduleG/FundraisingEventInformationGrp/Event2Nm0GOLF TOURNAMENTS
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IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt032380
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt015351
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent2Amt017029

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