UNITED STATES HISPANIC CHAMBER OF COMMERCE EDUCATIONAL FUND (EIN 823593693) - 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

2017

Legal Domicile

Principal Officer

RAMIRO CAVAZOS

Phone

2028421212

Tax Period

2024-01-01 to 2024-12-31

UNITED STATES HISPANIC CHAMBER OF COMMERCE EDUCATIONAL FUND, founded in 2017, is a community nonprofit in the Education sector that reported $1.6M in total revenue in fiscal year 2024. Revenue fell 36% from the prior year — a significant decline worth monitoring. Expenses of $1.8M exceeded revenue, resulting in a 10% operating deficit.

Mission

TO PROVIDE EDUCATIONAL PROGRAMS FOR HISPANIC BUSINESS ACROSS THE US.

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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 $1,622,854

Program Service Revenue $0

Investment Income $7,317

Other Revenue $0

TOTAL REVENUE $1,630,171

Expense Breakdown

Grants Paid $872,269

Salaries & Benefits $0

Fundraising Expenses $54,510

Program Expenses $1,591,459

Other Expenses $923,111

TOTAL EXPENSES $1,795,380

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,630,171	$2,553,888	-0.4%
Expenses	$1,795,380	$1,901,709	-0.1%
Net Income	$-165,209	$652,179	-1.3%

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

N/A

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

$824,214

Total Directors

$584,709

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RAMIRO A CAVAZOS	PRESIDENT & CEO	5.00	Officer Director	$0	$48,636	$584,709
MONIKA MANTILLA	CHAIRWOMAN OF THE BOARD	1.00	Officer Director	$0	$0	$0
ALICE RODRIGUEZ	BOARD MEMBER	1.00	Director	$0	$0	$0
BETTY MANETTA	BOARD MEMBER	1.00	Director	$0	$0	$0
CARLOS BECERRA	BOARD MEMBER	1.00	Director	$0	$0	$0
DANIEL GALINDO	BOARD MEMBER	1.00	Director	$0	$0	$0
JACKIE PUENTE	BOARD MEMBER	1.00	Director	$0	$0	$0
JUAN CARLOS LISCANO	BOARD MEMBER	1.00	Director	$0	$0	$0
KATHLEEN MARTINEZ	BOARD MEMBER	1.00	Director	$0	$0	$0
NELSON REYNERI JR	BOARD MEMBER	1.00	Director	$0	$0	$0
RAUL SALINAS	GENERAL COUNSEL	1.00	Director	$0	$0	$0
ROSA SANTANA	BOARD MEMBER	1.00	Director	$0	$0	$0
RUBEN BARRALES	BOARD MEMBER (ENDED 7/24)	1.00	Director	$0	$0	$0
YAMMEL SANCHEZ-OCANA	BOARD MEMBER	1.00	Director	$0	$0	$0
FELIPE UGALDE	CHIEF OPERATING OFFICER	10.00	Officer	$0	$29,096	$239,505
EVELYN BARAHONA	SVP USHCC EDUCATIONAL FUND	40.00	Highest	$0	$4,853	$189,270

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	$1,630,171	$1,795,380	$4,617,377	$-165,209
2023	$2,553,888	$1,901,709	$4,837,092	$652,179
2022	$3,186,023	$4,065,991	$4,159,181	$-879,968
2021	$4,778,140	$1,205,080	$4,770,678	$3,573,060
2020	$916,255	$520,281	$1,172,800	$395,974
2019	$700,000	$294,828	$678,333	$405,172

UNITED STATES HISPANIC CHAMBER OF COMMERCE EDUCATIONAL FUND