SOUTH FLORIDA PUERTO RICAN CHAMBER OF COMMERCE (EIN 650318798) - 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

1992

Legal Domicile

Principal Officer

LUIS DE ROSA

Phone

3055718006

Tax Period

2024-04-01 to 2025-03-31

SOUTH FLORIDA PUERTO RICAN CHAMBER OF COMMERCE, founded in 1992, is a small nonprofit that reported $112K in total revenue in fiscal year 2024. Expenses of $105K left a modest 6% surplus.

Mission

ADVANCE THE INTEREST OF THE PUERTO RICAN BUSINESS COMMUNITY OF SOUTH FLORIDA, AND THE SMALL BUSINESS COMMUNITY OF MIAMI-DADE COUNTY, FLORIDA.

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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 $111,642

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $111,642

Expense Breakdown

Grants Paid $0

Salaries & Benefits $81,485

Fundraising Expenses $0

Program Expenses $92,135

Other Expenses $23,896

TOTAL EXPENSES $105,381

Year-over-Year Comparison

	2024	2023	Change
Revenue	$111,642	$106,856	+0.0%
Expenses	$105,381	$99,420	+0.1%
Net Income	$6,261	$7,436	-0.2%

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

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

$25,322

Total Directors

Key Employees

$48,552

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HECTOR C RIVERAESQ	CHAIRPERSON	1.50	Director	$0	$0	$0
EDMARY ABAD SAEZ	TREASURER	1.50	Director	$0	$0	$0
ROSIE HERNANDEZ	SECRETARY	1.50	Director	$0	$0	$0
VICTOR GUTIERREZ ESQ	MEMBER	1.50	Director	$0	$0	$0
ISABEL VILLALON	MEMBER	1.50	Director	$0	$0	$0
LUIS DE ROSA	PRESIDENT	20.00	Officer Key Emp Highest	$25,322	$0	$25,322
STEVEN ZORN	SERVICE PROVIDER/ADM.ASSISTANT	24.00	Key Emp	$23,230	$0	$23,230

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	$111,642	$105,381	$168,670	$6,261
2024	$106,856	$99,420	$171,591	$7,436
2023	$104,764	$103,511	$143,209	$1,253
2022	$113,343	$133,944	$146,565	$-20,601
2021	$96,082	$96,052	$126,653	$30

SOUTH FLORIDA PUERTO RICAN CHAMBER OF COMMERCE