BROWNSVILLE CHAMBER OF COMMERCE (EIN 740530305) - 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

1937

Legal Domicile

Phone

9565424341

Tax Period

2023-10-01 to 2024-09-30

BROWNSVILLE CHAMBER OF COMMERCE, founded in 1937, is a small nonprofit that reported $497K in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion.

Mission

THE BROWNSVILLE CHAMBER OF COMMERCE IS A MEMBER DRIVEN BUSINESS ORGANIZATION WHOSE PRINCIPAL MISSION IS TO PROMOTE THE DIVERSITY AND UNIQUENESS OF THE COMMUNITY, TO ACT AS A PRIMARY RESOURCE FOR BUSINESSES AND INDIVIDUALS IN THE AREA AND TO DISCUSS, REVIEW AND ACT ON PROGRAMS DESIGNED TO IMPROVE THE OVERALL BUSINESS CLIMATE IN THE REGION.

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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 (2023)

Revenue Breakdown

Contributions & Grants $339,545

Program Service Revenue $7,902

Investment Income $80

Other Revenue $149,338

TOTAL REVENUE $496,865

Expense Breakdown

Grants Paid $0

Salaries & Benefits $269,289

Fundraising Expenses $0

Program Expenses $465,220

Other Expenses $230,800

TOTAL EXPENSES $500,089

Year-over-Year Comparison

	2023	2022	Change
Revenue	$496,865	$452,230	+0.1%
Expenses	$500,089	$423,724	+0.2%
Net Income	$-3,224	$28,506	-1.1%

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

150

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

$72,665

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ESMERALDA VILLARREAL	President & CEO	40.00	Officer	$72,665	$0	$72,665
VERONICA BACA-MARTINEZ	Director	1.00	Director	$0	$0	$0
MARISA AGUILAR	Director	1.00	Director	$0	$0	$0
AVI SCHWARCZ	PAST CHAIRMAN	2.00	Officer Director	$0	$0	$0
LILIANA ELIZONDO	Chairman	2.00	Officer Director	$0	$0	$0
BEN PENA	VICE CHAIR	2.00	Officer Director	$0	$0	$0
ANIKA AVILES	Director	1.00	Director	$0	$0	$0
CYNTHIA BURLETTE	Director	1.00	Director	$0	$0	$0
BENITA BECERRA-VILLARREAL	Director	1.00	Director	$0	$0	$0
GEORGETTE BETANCOURT-MEDELLIN	Director	1.00	Director	$0	$0	$0
OLGA GONZALEZ	Director	1.00	Director	$0	$0	$0
ANTONIO CALDWELL	Director	1.00	Director	$0	$0	$0
GRISELDA MUNOZ	Secretary	2.00	Officer Director	$0	$0	$0
VICTORIA PADRON	Director	1.00	Director	$0	$0	$0
DANIEL PUENTE	Director	1.00	Director	$0	$0	$0
CARLOS NUNEZ	Director	1.00	Director	$0	$0	$0
JORGE SANTOY	Director	1.00	Director	$0	$0	$0
PAOLINA VEGA	Treasurer	2.00	Officer Director	$0	$0	$0
MARK HODGSON	Director	1.00	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
2024	$496,865	$500,089	$576,110	$-3,224
2023	$452,230	$423,724	$585,108	$28,506
2022	$347,953	$401,777	$567,266	$-53,824
2021	$351,704	$337,280	$626,827	$14,424
2020	$398,958	$427,710	$655,757	$-28,752
2019	$424,841	$392,613	$465,402	$32,228
2018	$511,765	$471,061	$442,188	$40,704

BROWNSVILLE CHAMBER OF COMMERCE