CEN-TEX HISPANIC CHAMBER OF COMM (EIN 742330399) - 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

1975

Legal Domicile

Principal Officer

Dytrun Thirkill

Phone

2547547111

Tax Period

2024-10-01 to 2025-09-30

CEN-TEX HISPANIC CHAMBER OF COMM, founded in 1975, is a small nonprofit in the Community Improvement sector that reported $261K in total revenue in fiscal year 2024. Revenue decreased 9% compared to the prior year. Expenses of $231K left a modest 11% surplus.

Mission

Lead and promote the business economic, social and cultural development of the Hispanic and small business community in the Waco and Central Texas area through economic projects, business referrals, networking luncheons, cultural events, scholarships and other special events.

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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 $215,813

Program Service Revenue $45,012

Investment Income $0

Other Revenue $5

TOTAL REVENUE $260,830

Expense Breakdown

Grants Paid $2,451

Salaries & Benefits $147,204

Fundraising Expenses $0

Program Expenses $0

Other Expenses $81,676

TOTAL EXPENSES $231,331

Year-over-Year Comparison

	2024	2023	Change
Revenue	$260,830	$285,750	-0.1%
Expenses	$231,331	$240,666	0.0%
Net Income	$29,499	$45,084	-0.3%

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

Total Directors

Key Employees

$51,154

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Zaragoza Diaz-Espinoza	Presedent/CEO	40	Key Emp	$51,154	$0	$51,154
Jose Palacios	Board Director	2	Director	$0	$0	$0
Elaine Botello	Board Director	2	Director	$0	$0	$0
Maria Davalos	Board Director	2	Director	$0	$0	$0
Thomas Ellis	Board Director	2	Director	$0	$0	$0
Alex Sanchez	Board Director	2	Director	$0	$0	$0
Ray Ramos	Board Director	2	Director	$0	$0	$0
Steve Sorrells	Board Director	2	Director	$0	$0	$0
Daysi Barrera	Board Director	2	Director	$0	$0	$0
Luis Vasquez	Secretary	2	Officer	$0	$0	$0
Allysan Jimenez	Board Chair	2	Officer	$0	$0	$0
Eric Linares	Vice Chair	2	Officer	$0	$0	$0
Ramon Vigil	Treasury	2	Officer	$0	$0	$0
Ashley Allison	Board Director	2	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	$260,830	$231,331	$161,394	$29,499
2024	$285,750	$240,666	$153,073	$45,084
2023	$346,348	$264,806	$148,146	$81,542
2022	$349,529	$328,408	$52,601	$21,121
2021	$232,853	$227,479	$27,756	$5,374
2020	$213,639	$236,484	$36,117	$-22,845

CEN-TEX HISPANIC CHAMBER OF COMM