Cdcb | Come Dream. Come Build.

Legal name: Community Development Corporation of Brownsville Dba Come Dream Come Build

Nonprofit profile at a glance

EIN
741835777
IRS 990 coverage
2010–2024
Official website data refreshed
Jul 2026
Forms available
Form 990 2024, Form 990-T 2024
Location
Brownsville, TX, US
Phone
(956) 541-4955
Rating
75
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Low-Income & Subsidized Rental Housing

Official website

Reported finances

Revenue
$17,621,466
Expenses
$14,574,963
Assets
$97,936,432
Liabilities
$70,715,665

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

14 people listed

Executive titles in this filing

  • CHARLES N MITCHELL BENNETT (CHIEF EXECUTIVE OFFICER)

Highest reported compensation

  • CHARLES N MITCHELL BENNETT (CHIEF EXECUTIVE OFFICER): $195,884 total reported compensation
  • EDNA OCEGUERA (DEPUTY DIRECTOR): $148,131 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Cdcb is a multifaceted affordable housing organization devoted to utilizing collaborative partnerships to create sustainable communities across the Rio Grande Valley through quality education, model financing, efficient home design, and superior construction.

What it reported doing in 2024

The youthbuild program seeks to line job training education enhancement and affordable housing production by working with drop-out youths from low income families between the ages of 16 and 24. Cdcb youthbuild provides a range of support services, including child care, along with a training stipend. A major focus is to provide work opportunities in the participant's own neighborhood.youthbuild enrolled 35 students, 34 students passed the ged, 35 gained their nccer and osha certificate, and 27 students went to work or higher education. 26 gained nims cnc certification & 32 obtained nccer welding certifications.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Direct operator. The filing allocates 88% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Few specific pay-setting methods are documented in the filing; unanswered boxes are not proof of absence and some filing-based governance responses are negative or unanswered.

Rating breakdown

  • Financial Efficiency: 71
  • Transparency & Controls: 67
  • Accountability: 91
  • Sustainability: 74
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 74.8%; rating input score 75
  • Program expense ratio: 86.8%; rating input score 87
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 93.8%; rating input score 94; 17th percentile among comparable filings
  • Pay-setting controls: 0 of 6 controls in place; rating input score 0
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Missing
    • Board or committee approval: Missing
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 92%; rating input score 92; 22nd percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 66th percentile among comparable filings
  • Governance controls: 7 of 9 controls in place; rating input score 78
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 17.3%; rating input score 79; 79th percentile among comparable filings
  • Total-asset coverage ratio: 6.72; rating input score 88; 88th percentile among comparable filings
  • Liabilities to assets ratio: 0.72; rating input score 17; 17th percentile among comparable filings
  • Officer compensation ratio: 2.4%; rating input score 74; 74th percentile among comparable filings

Growth

  • Program expense growth: 10.4% per year; rating input score 100; 72nd percentile among comparable filings
  • Revenue growth: 8.4% per year; rating input score 100; 67th percentile among comparable filings
  • Asset growth: 9.6% per year; rating input score 100; 63rd percentile among comparable filings

Details

  • What they do: 8 programs and campaigns described on the official site · 7 operating locations identified
  • Where the money goes: 74.8% of revenue deployed · 86.8% of spending went to programs
  • Governance: 12 of 12 board members independent · 7 of 9 filing controls reported
  • Programs: 2 filed program accomplishments · $12.7M in reported program spending
  • Leadership: top reported pay $196K · 14 people listed · 0 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $10.1M reported
  • Consistency: 27 of 28 current checks pass · 1 finding to review
  • Schedules: 7 filed schedules · includes major donors, grants, and executive pay
  • Filing history: 15 filing years from 2010 to 2024
  • Contacts: How to reach this organization
  • Money network: 2 filed money-flow records
  • Related organizations: 13 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Transparency & Controls: Pay-setting controls scored 0/100.
  • Review — Accountability: Governance controls: Independent financial-statement audit not reported.
  • High — Sustainability: Liabilities to assets ratio scored 17/100.
  • Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.