First Coast Hispanic Chamber of Commerce Community Development Inc (EIN 260482464) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2007

Legal Domicile

Principal Officer

Monica Hernandez

Phone

3525537987

Tax Period

2025-01-01 to 2025-12-31

First Coast Hispanic Chamber of Commerce Community Development Inc, founded in 2007, is a micro nonprofit in the Arts, Culture & Humanities sector that reported $28K in total revenue in fiscal year 2025. Revenue fell 47% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $10K, a strong 36% operating margin.

Mission

The Community Development Fund is dedicated to leadership, and business development in the Hispanic Community

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $28,428

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $28,428

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $17,111

Other Expenses $18,111

TOTAL EXPENSES $18,111

Year-over-Year Comparison

	2025	2024	Change
Revenue	$28,428	$53,921	-0.5%
Expenses	$18,111	$59,328	-0.7%
Net Income	$10,317	$-5,407	-2.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Leon Carrero	Director	001.00	Director	$0	$0	$0
Beatrice Chandler	Director	001.00	Director	$0	$0	$0
Sabrina Marcos Smith	Director	001.00	Director	$0	$0	$0
Helga Langthon	Director	001.00	Director	$0	$0	$0
Joel Gonzalez	Director	001.00	Director	$0	$0	$0
Cindy Caldwell	Director	001.00	Director	$0	$0	$0
Monica Hernandez	President and CEO	005.00	Officer	$0	$0	$0
Wilfredo Gonzalez	Chairman	001.00	Officer	$0	$0	$0
Sandy Martin	Vice-Chair	001.00	Officer	$0	$0	$0
Michelle Kapkafka	Secretary	001.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$28,428	$18,111	$52,773	$10,317
2024	$53,921	$59,328	$44,456	$-5,407
2023	$43,171	$30,896	$58,094	$12,275
2022	$51,526	$28,100	$55,054	$23,426
2021	$45,524	$36,159	$31,628	$9,365
2020	$35,120	$23,197	$25,262	$11,923
2019	$19,264	$26,764	$7,058	$-7,500
2018	$10,394	$31,518	$10,570	$-21,124

First Coast Hispanic Chamber of Commerce Community Development Inc