UNITED STATES HISPANIC CHAMBER OF COMMERCE (EIN 431249249) - 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

1979

Legal Domicile

Principal Officer

RAMIRO CAVAZOS

Phone

2028421212

Tax Period

2024-01-01 to 2024-12-31

UNITED STATES HISPANIC CHAMBER OF COMMERCE, founded in 1979, is a community nonprofit that reported $5.6M in total revenue in fiscal year 2024. Revenue fell 24% from the prior year — a significant decline worth monitoring.

Mission

BUILD AN ECOSYSTEM TO ACCELERATE HISPANIC BUSINESS GROWTH AND PROSPERITY.

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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 (2024)

Revenue Breakdown

Contributions & Grants $799,249

Program Service Revenue $4,452,891

Investment Income $45

Other Revenue $353,881

TOTAL REVENUE $5,606,066

Expense Breakdown

Grants Paid $199,594

Salaries & Benefits $2,693,645

Fundraising Expenses $0

Other Expenses $2,983,361

TOTAL EXPENSES $5,876,600

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,606,066	$7,352,428	-0.2%
Expenses	$5,876,600	$8,043,186	-0.3%
Net Income	$-270,534	$-690,758	-0.6%

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

Volunteers

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

$584,709

Total Directors

$584,709

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RAMIRO CAVAZOS	PRESIDENT & CEO	40.00	Officer Director	$536,073	$48,636	$584,709
VICTOR ARIAS	CHAIR ELECT AS OF 12/24	1.00	Director	$0	$0	$0
CARLOS A BECERRA	BOARD MEMBER	1.00	Director	$0	$0	$0
ERNIE CDE BACA	BOARD MEMBER	1.00	Director	$0	$0	$0
YURI CUNZA	BOARD MEMBER	1.00	Director	$0	$0	$0
JAIME DI PAULO	BOARD MEMBER	1.00	Director	$0	$0	$0
REUBEN FRANCO	BOARD MEMBER UNTIL 12/24	1.00	Director	$0	$0	$0
SIL GONZALES	BOARD MEMBER	1.00	Director	$0	$0	$0
PATTY JUREZ	BOARD MEMBER	1.00	Director	$0	$0	$0
JUAN CARLOS LISCANO	BOARD MEMBER UNTIL 12/24	1.00	Director	$0	$0	$0
RACHEL KUTZ	BOARD MEMBER	1.00	Director	$0	$0	$0
ROBERTO MARTINEZ	BOARD MEMBER	1.00	Director	$0	$0	$0
ROSA NAVEJAR	BOARD MEMBER	1.00	Director	$0	$0	$0
MAYRA PINEDA	BOARD MEMBER UNTIL 12/24	1.00	Director	$0	$0	$0
JACQUELYN PUENTE	CHAIR OF THE BOARD AS OF 12/24	1.00	Director	$0	$0	$0
NELSON REYNERI	IMMEDIATE PAST CHAIR AS OF 12/24	1.00	Director	$0	$0	$0
CHRISTINE RICE	BOARD MEMBER	1.00	Director	$0	$0	$0
ALICE RODRIGUEZ	IMMEDIATE PAST CHAIR UNTIL OF 12/24	1.00	Director	$0	$0	$0
JENNIFER RODRIGUEZ	BOARD MEMBER	1.00	Director	$0	$0	$0
RAUL SALINAS	BOARD MEMBER	1.00	Director	$0	$0	$0
YAMMEL SNCHEZ-OCANA	BOARD MEMBER	1.00	Director	$0	$0	$0
CESAR VARGAS	BOARD MEMBER UNTIL 12/24	1.00	Director	$0	$0	$0
EVELYN BARAHONA	SVP USHCC EDUCATIONAL FUND	10.00	Highest	$184,417	$4,853	$189,270
JESSICA CORONADO	DIRECTOR, OPERATIONS & BOA	40.00	Highest	$143,373	$10,873	$154,246
ANTHONY HINOJOSA	VP, GOVERNMENT & INTERNATI	40.00	Highest	$161,356	$14,452	$175,808
SYNTHIA JARAMILLO	SVP CORPORATE RELATIONS	40.00	Highest	$212,292	$4,349	$216,641
FELIPE UGALDE	CHIEF OPERATING OFFICER	40.00	Highest	$210,409	$29,096	$239,505

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
2024	$5,606,066	$5,876,600	$2,215,521	$-270,534
2023	$7,352,428	$8,043,186	$3,024,317	$-690,758
2022	$8,403,407	$6,884,585	$4,066,757	$1,518,822
2021	$4,908,238	$4,452,466	$2,190,537	$455,772
2020	$3,044,200	$2,340,678	$1,110,628	$703,522
2019	$3,175,416	$2,774,140	$1,508,235	$401,276
2018	$2,659,257	$4,118,816	$1,115,598	$-1,459,559

UNITED STATES HISPANIC CHAMBER OF COMMERCE