Schertz Chamber of Commerce

Nonprofit profile at a glance

EIN
741900371
IRS 990 coverage
2011–2025
Forms available
Form 990 2025, Form 990-EZ 2010
Location
Schertz, TX, USA
Phone
2106191952
Rating
75
Verdict
SUPPORTED
Rating confidence
Moderate

Reported finances

Revenue
$698,977
Expenses
$697,680
Assets
$461,979
Liabilities
$77,352

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

11 people listed

People named in this filing

  • OLAF EMBLEM (CHAIR)
  • CODY WHEELER (SECRETARY)
  • FREDY DEGOLLADO (TREASURER)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The mission of the chamber is to serve, promote and enhance economic success.

What it reported doing in 2025

Assisted in advocacy for local businesses with cities of schertz, cibolo and selma concerning inspections, permits, c of o's, grants and business planting. Provided networking and marketing opportunities for members through luncheons, annual events and committee meetings. Published advertising through printed business directory and online directory, social media postings and website. Provided business mentoring and education. Serving on boards and committees for the school district, military (jbsa and jbsa rafb), college (nel) and Texas chamber of commerce as well as monthly and quarterly meetings with city managers and edc boards of all 3 cities.

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 100% 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 - The filed numbers largely add up and most voting board members are independent. Fundraising costs are high for each dollar raised and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 55
  • Transparency & Controls: 90
  • Accountability: 94
  • Sustainability: 36
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 62%; rating input score 62
  • Program expense ratio: 61.4%; rating input score 61
  • Fundraising efficiency: $0.01 raised per $1 spent on fundraising; rating input score 2; 2nd percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 6 of 7 controls in place; rating input score 86
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 0.2%; rating input score 31; 31st percentile among comparable filings
  • Total-asset coverage ratio: 0.66; rating input score 31; 31st percentile among comparable filings
  • Liabilities to assets ratio: 0.17; rating input score 28; 28th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 78; 78th percentile among comparable filings

Growth

  • Program expense growth: 7% per year; rating input score 100; 46th percentile among comparable filings
  • Revenue growth: 8.4% per year; rating input score 100; 55th percentile among comparable filings
  • Asset growth: 6.6% per year; rating input score 100; 42nd percentile among comparable filings

Details

  • Where the money goes: 62% of revenue deployed · 61.4% of spending went to programs
  • Governance: 11 of 11 board members independent · 6 of 7 filing controls reported
  • Programs: 2 filed program accomplishments · $428K in reported program spending
  • Leadership: top reported pay $0 · 11 people listed
  • Consistency: 29 of 29 current checks pass
  • Schedules: 3 filed schedules
  • Filing history: 15 filing years from 2011 to 2025
  • Contacts: How to reach this organization
  • Money network: 3 filed money-flow records
  • 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.

Key Signals

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

  • High — Financial Efficiency: Fundraising efficiency scored 2/100.
  • Moderate — Sustainability: Operating margin scored 31/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 31/100.
  • High — Sustainability: Liabilities to assets ratio scored 28/100.