CENTRO ESPERANZA INC

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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

1990

Legal Domicile

Principal Officer

CLARIBEL CAMACHO

Phone

7878763389

Tax Period

2024-07-01 to 2025-06-30

CENTRO ESPERANZA INC, founded in 1990, is a community nonprofit in the Human Services sector that reported $1.1M in total revenue in fiscal year 2024. Revenue surged 147% from the prior year, signaling strong growth momentum. The organization ran a surplus of $290K, a strong 26% operating margin.

Mission

THE ORGANIZATION MISSION IS TO PROMOTE AND FACILITATE THE INTEGRAL DEVELOPMENT OF THE CHILDREN AND FAMILIES OF LIMITED FINANCIAL RESOURCES OF LOIZA AND NEIGHBORING TOWNS THROUGH A HIGH STANDARD EDUCATION AND TO SERVE AND SUPPORT THE FAMILIES IN ORDER TO ASSURE THIER WELL BEING.

Program Service Accomplishments

Program 1

Expenses: $646,982 Revenue: $646,982

MONTESSORY PROGRAM. THE PROGRAM IS DESIGNED TO PROVIDE EDUCATION BASED ON MONTESSORI METHOD FOR CHILDREN WITHIN AGE 1.5 TO 9 AND STUDENTS FROM PRE KINDERGARTEN TO THIRD GRADE. TRANSPORTATION AND...

MONTESSORY PROGRAM. THE PROGRAM IS DESIGNED TO PROVIDE EDUCATION BASED ON MONTESSORI METHOD FOR CHILDREN WITHIN AGE 1.5 TO 9 AND STUDENTS FROM PRE KINDERGARTEN TO THIRD GRADE. TRANSPORTATION AND NUTRITION ARE OFFERED TO STUDENTS. SINCE INCEPTION, THE PROGRAM HAS SERVED APPROXIMATELY 852 CHILD. THE GOAL OF THE PROGRAM IS TO EDUCATE THE CHILDS INTELLECTUALLY, PHYSICALLY, EMOTIONALLY, MORALLY, AND SPIRITUALLY TO BE CONSTRUCTIVE HONORABLE CITIZENS FOR THE SOCIETY.

Program 2

Expenses: $43,302 Revenue: $43,302

MUSIC PROGRAM. MELODIAS DE ESPERANZA. THE MUSIC PROGRAM PROVIDES INDIVIDUALIZED MUSIC EDUCATION TO YOUTHS WITHIN THE AGE OF 4 TO 18 YEARS OLD. THE PROGRAM COMBINES THEORY AND PRACTICE TO PREPARE THE STUDENTS TO CONTINUE MUSIC EDUCATION IN OTHER SPECIALIZED MUSIC SCHOOLS AND UNIVERSITIES. SINCE INCEPTION, THE PROGRAM HAS SERVED APPROXIMATELY 775 CHILDS AND YOUTHS OF THE MUNICIPALITY OF LOIZA AND NEIGHBORING TOWNS.

Program 3

Expenses: $90,020 Revenue: $90,020

"VIDA Y ESPERANZA"PROGRAM. THE PROGRAM OFFERS COUNSELING AND PSYCHOLOGY THERAPY TO COUPLES, FAMILIES AND INDIVIDUALS AFFECTED BY VIOLENCE AND OTHER PSYCHOSOCIAL PROBLEMS. IN ADDITION, THE PROGRAM...

"VIDA Y ESPERANZA"PROGRAM. THE PROGRAM OFFERS COUNSELING AND PSYCHOLOGY THERAPY TO COUPLES, FAMILIES AND INDIVIDUALS AFFECTED BY VIOLENCE AND OTHER PSYCHOSOCIAL PROBLEMS. IN ADDITION, THE PROGRAM PROVIDES PSYCHOLOGY EVALUATIONS AND PSYCHOMETRICS TESTS TO CHILD WHOSE FAMILIES DOES NOT HAVE THE ECONOMIC RESOURCES. SINCE INCEPTION, THE PROGRAM HAS SERVED APPROXIMATELY 4,769 PARTICIPANTS OF THE MUNICIPALITY OF LOIZA AND ADJACENT AREAS.

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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 $0

Program Service Revenue $1,128,998

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,128,998

Expense Breakdown

Grants Paid $0

Salaries & Benefits $419,061

Fundraising Expenses $4,050

Program Expenses $780,756

Other Expenses $420,327

TOTAL EXPENSES $839,388

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,128,998	$457,947	+1.5%
Expenses	$839,388	$686,743	+0.2%
Net Income	$289,610	$-228,796	-2.3%

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

$2,060

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SOR CLARIBEL CAMACHO HC	EXECUTIVE DIRECTOR	40	Officer	$2,060	$0	$2,060
ROSA J CALCANO RIVERA	PRESIDENT	24	Director	$0	$0	$0
MARIA CECILIA ORTIZ ELICIER	VICE-PRESIDENT	24	Director	$0	$0	$0
ALEJANDRA GUADALUPE CASTRO	SECRETARY	24	Director	$0	$0	$0
MYRIAM E SANTIAGO RODRIGUEZ	TREASURER	24	Director	$0	$0	$0
ENOX MEDINA DE JESUS	BOARD MEMBER	24	Director	$0	$0	$0
LUZ ARELIS MARTINEZ CRUZ	BOARD MEMBER	24	Director	$0	$0	$0
SONIA PRISCILLA TORRES VELAZQUEZ	BOARD MEMBER	24	Director	$0	$0	$0
EVANGELINA TORRES VELAZQUEZ	BOARD MEMBER	24	Director	$0	$0	$0
SOR CARMEN MORALES VERA	BOARD MEMBERS	24	Director	$0	$0	$0
NATALIA GARCIA	BOARD MEMBER	24	Director	$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	$1,128,998	$839,388	$1,489,856	$289,610
2024	$457,947	$686,743	$1,197,381	$-228,796
2023	$807,159	$629,004	$1,384,478	$178,155
2022	$639,989	$666,190	$1,208,332	$-26,201
2021	$422,861	$531,348	$1,288,069	$-108,487
2021	$422,861	$531,348	$1,288,069	$-108,487