Civic Intelligence

Brownsville Chamber of Commerce

EIN 74-0530305 • 501(c)6 • Brownsville, TX

View Organization Page

Profile

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.

1600 UniversityBrownsville, TX 78520

www.brownsvillechamber.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

78th percentile

0.29x

Higher debt load relative to assets than 78% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

83rd percentile

0.34x

Higher debt load relative to revenue than 83% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Net Margin

36th percentile

-0.6%

Higher net margin than 36% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

59th percentile

$72,665

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 14.6% of source-year revenue.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Asset Growth

34th percentile

-1.5%

Faster asset growth than 34% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

62nd percentile

9.9%

Faster revenue growth than 62% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets78th percentile

Assets

Down

$576,110

Down $8,998 (-1.5%) from 2023

Liabilities

Down

$169,029

Down $5,774 (-3.3%) from 2023

Net Assets

Down

$407,081

Down $3,224 (-0.8%) from 2023

Operations
Liabilities / Revenue83rd percentileNet Margin36th percentile

Revenue

Up

$496,865

Up $44,635 (+9.9%) from 2023

Expenses

Up

$500,089

Up $76,365 (+18%) from 2023

Net Income

Down

-$3,224

Down $31,730 (-111%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800K$600K$400K$200K$0Assets 2010: $726,367Liabilities 2010: $686Net Assets 2010: $725,6812010Assets 2011: $568,266Liabilities 2011: $5,621Net Assets 2011: $562,6452011Assets 2012: $584,224Liabilities 2012: $7,677Net Assets 2012: $576,5472012Assets 2013: $534,720Liabilities 2013: $16,083Net Assets 2013: $518,6372013Assets 2014: $534,563Liabilities 2014: $428Net Assets 2014: $534,1352014Assets 2015: $496,736Liabilities 2015: $9,765Net Assets 2015: $486,9712015Assets 2016: $371,168Liabilities 2016: $8,773Net Assets 2016: $362,3952016Assets 2017: $397,446Liabilities 2017: $11,415Net Assets 2017: $386,0312017Assets 2018: $442,188Liabilities 2018: $15,453Net Assets 2018: $426,7352018Assets 2019: $465,402Liabilities 2019: $6,439Net Assets 2019: $458,9632019Assets 2020: $655,757Liabilities 2020: $225,546Net Assets 2020: $430,2112020Assets 2021: $626,827Liabilities 2021: $182,192Net Assets 2021: $444,6352021Assets 2022: $567,266Liabilities 2022: $176,455Net Assets 2022: $390,8112022Assets 2023: $585,108Liabilities 2023: $174,803Net Assets 2023: $410,3052023Assets 2024: $576,110Liabilities 2024: $169,029Net Assets 2024: $407,0812024

Highlighted filing

2024

Assets$576,110
Liabilities$169,029
Net Assets$407,081
Open 2024 Filing

Operations Trend

Revenue Growth62nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0-$200KExpenses 2010: $375,4132010Revenue 2011: $397,375Expenses 2011: $414,547Net Income 2011: -$17,1722011Revenue 2012: $424,820Expenses 2012: $410,915Net Income 2012: $13,9052012Expenses 2013: $359,8542013Revenue 2014: $415,682Expenses 2014: $400,184Net Income 2014: $15,4982014Revenue 2015: $286,291Expenses 2015: $333,455Net Income 2015: -$47,1642015Revenue 2016: $331,308Expenses 2016: $435,583Net Income 2016: -$104,2752016Revenue 2017: $416,684Expenses 2017: $393,048Net Income 2017: $23,6362017Revenue 2018: $511,765Expenses 2018: $471,061Net Income 2018: $40,7042018Revenue 2019: $424,841Expenses 2019: $392,613Net Income 2019: $32,2282019Revenue 2020: $398,958Expenses 2020: $427,710Net Income 2020: -$28,7522020Revenue 2021: $351,704Expenses 2021: $337,280Net Income 2021: $14,4242021Revenue 2022: $347,953Expenses 2022: $401,777Net Income 2022: -$53,8242022Revenue 2023: $452,230Expenses 2023: $423,724Net Income 2023: $28,5062023Revenue 2024: $496,865Expenses 2024: $500,089Net Income 2024: -$3,2242024

Highlighted filing

2024

Revenue$496,865
Expenses$500,089
Net Income-$3,224
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$576,110
Liabilities
$169,029
Net assets
$407,081
Revenue
$496,865
Expenses
$500,089
Net income
-$3,224
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.76$1.69$4.07$4.97$5.00$0.03
2023Detailed filing. Detailed filing data is available for this year.$5.85$1.75$4.10$4.52$4.24$0.29
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.67$1.76$3.91$3.48$4.02$0.54
2021Detailed filing. Detailed filing data is available for this year.$6.27$1.82$4.45$3.52$3.37$0.14
2020Detailed filing. Detailed filing data is available for this year.$6.56$2.26$4.30$3.99$4.28$0.29
2019Detailed filing. Detailed filing data is available for this year.$4.65$0.06$4.59$4.25$3.93$0.32
2018Detailed filing. Detailed filing data is available for this year.$4.42$0.15$4.27$5.12$4.71$0.41
2017Detailed filing. Detailed filing data is available for this year.$3.97$0.11$3.86$4.17$3.93$0.24
2016Detailed filing. Detailed filing data is available for this year.$3.71$0.09$3.62$3.31$4.36$1.04
2015Detailed filing. Detailed filing data is available for this year.$4.97$0.10$4.87$2.86$3.33$0.47
2014Detailed filing. Detailed filing data is available for this year.$5.35$0.00$5.34$4.16$4.00$0.15
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.35$0.16$5.19$3.60
2012Summary only. Only limited summary data is available for this year.$5.84$0.08$5.77$4.25$4.11$0.14
2011Summary only. Only limited summary data is available for this year.$5.68$0.06$5.63$3.97$4.15$0.17
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.26$0.01$7.26$3.75
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Aug 8, 2025
Return Version
2023v6.0
Gross Receipts
$590,787
Mission and Program Overview

Mission

The chamber is a member driven business organization whose mission is to promote the diversity & uniqueness, to act as a primary resource for businesses & individuals & discuss, review & act on programs designed to improve the overall business climate in the region.

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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$285,620$278,686▼ $6,934
Savings and Temporary Cash Investments$200,125$182,042▼ $18,083
Cash and Non-Interest-Bearing Accounts$58,289$97,169▲ $38,880
Accounts Receivable$41,074$18,213▼ $22,861
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$585,108$576,110▼ $8,998
Other Assets Total-$0-
Liabilities
Unsecured Notes Loans Payable$149,900$143,218▼ $6,682
Accounts Payable and Accrued Expenses$24,353$25,811▲ $1,458
Deferred Revenue$550--
Total Liabilities$174,803$169,029▼ $5,774
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$410,305$407,081▼ $3,224
Total Net Assets Fund Balance$410,305$407,081▼ $3,224
Total Liabilities and Net Assets / Fund Balance$585,108$576,110▼ $8,998

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$185,679$53,315$238,994
Buildings-$137,749$137,749
Land$92,603-$92,603
Equipment$404$90,071$90,475
Compensation and Service Providers
Top Officer Pay59th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Esmeralda VillarrealPresident & CEOFT$72,665$72,665

Board Members and Trustees

NameTitle
Liliana ElizondoChairman
Avi SchwarczPast Chairman
Ben PenaVice Chair
Anika AvilesDirector
Antonio CaldwellDirector
Benita Becerra-villarrealDirector
Carlos NunezDirector
Cynthia BurletteDirector
Daniel PuenteDirector
Georgette Betancourt-medellinDirector
Jorge SantoyDirector
Marisa AguilarDirector
Mark HodgsonDirector
Olga GonzalezDirector
Veronica Baca-martinezDirector
Victoria PadronDirector
Griselda MunozSecretary
Paolina VegaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$339,545
Program Service Revenue
$7,902
Investment Income
$80
Other Revenue
$149,338
Change in Net Assets
$-3,224
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$269,289
Other Expenses$230,800
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$140,241--$140,241
All Other Expenses$83,933--$83,933
Current Officers, Directors, Trustees, and Key Employees$80,000--$80,000
Fees for Services Accounting-$34,869-$34,869
Other Employee Benefits$31,570--$31,570
Payroll Taxes$17,478--$17,478
Other Expenses$14,567--$14,567
Insurance$14,186--$14,186
Office Expenses$7,905--$7,905
Interest$7,672--$7,672
Depreciation Depletion$6,934--$6,934
Total Functional Expenses$465,220$34,869$0$500,089
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$236,260
Fundraising Direct Expenses$93,922
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
State of the City$98,150$98,150$39,730$58,420
Bridging Borders$42,400$42,400$16,016$26,384
Total Events$236,260$236,260$93,922$142,338
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
No
Subject to proxy tax
Yes
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The chamber is a membership organization. Business or individuals may join by application and payment of membership dues. Chamber does not have stockholders.”

Form 990, Part VI, Section B, Line 11B

“Form 990 is reviewed by the executive director and a member of the executive commitee who is also a cpa and very familiar with non-profit income taxation. A copy of the 990 is provided to each of the board members for review prior to filing with the irs.”

Form 990, Part VI, Section B, Line 12C

“Each board member completes and signs a conflict of interest statement annually.”

Form 990, Part VI, Section B, Line 15A

“The chamber's executive committe meets to review and discuss the compensation of the executive director. Subsequently, the committe meets with the executive director.”

Form 990, Part VI, Section B, Line 15B

“Salaries are based on amounts paid by similar organizations in the community.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Brownsville Chamber of Commerce
EIN
74-0530305
Phone
9565424341
Address
1600 UNIVERSITY, BROWNSVILLE, TX 78520

Signing Officer

Name
Esmeralda Villarreal
Title
President & CEO
Signed
2025-08-08
Discuss with paid preparer
Yes

Organization Details

Formed
1937
Legal Domicile
TX
Voting Board Members
19
Independent Board Members
18
Employees
5
Volunteers
150

Preparer

Firm
Gomez Fragoso & Associates P C
Address
550 E Levee St, Brownsville, TX 78520
Preparer
Moises L Gomez CPA
Phone
9565417613
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“ADMINISTRATIVE FEES: Column (A) - Total = $1926; Column (B) - Program Services = $1926; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“AUTO MILEAGE: Column (A) - Total = $4322; Column (B) - Program Services = $4322; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“CONTRACT LABOR: Column (A) - Total = $2198; Column (B) - Program Services = $2198; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“CREDIT CARD FEES: Column (A) - Total = $8786; Column (B) - Program Services = $8786; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“DUES AND SUBSCRIPTIONS: Column (A) - Total = $4368; Column (B) - Program Services = $4368; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“EQUIPMENT LEASE: Column (A) - Total = $6489; Column (B) - Program Services = $6489; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“JANITORIAL SERVICES: Column (A) - Total = $7200; Column (B) - Program Services = $7200; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“LAWN MAINTENANCE: Column (A) - Total = $3900; Column (B) - Program Services = $3900; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“MARKETING: Column (A) - Total = $1129; Column (B) - Program Services = $1129; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“Postage and Shipping: Column (A) - Total = $880; Column (B) - Program Services = $880; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“PRESIDENT'S TRAVEL: Column (A) - Total = $11383; Column (B) - Program Services = $11383; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“Printing and Publications: Column (A) - Total = $1710; Column (B) - Program Services = $1710; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“REPAIRS - BUILDING: Column (A) - Total = $6018; Column (B) - Program Services = $6018; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“SECURITY: Column (A) - Total = $445; Column (B) - Program Services = $445; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“STORAGE RENTAL: Column (A) - Total = $1836; Column (B) - Program Services = $1836; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“SUPPLIES: Column (A) - Total = $1158; Column (B) - Program Services = $1158; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“TELEPHONE: Column (A) - Total = $11674; Column (B) - Program Services = $11674; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“UTILITIES: Column (A) - Total = $8009; Column (B) - Program Services = $8009; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E

“WEBSITE: Column (A) - Total = $502; Column (B) - Program Services = $502; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Raw XML AppendixShowing 400 of 545 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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