Civic Intelligence

Community Capital Fund Inc

EIN 06-1469830 • 501(c)3 • Bridgeport, CT

Profile

To promote economic development and community revitalization, improve economic conditions and opportunities, and combat community deterioration and business distress in the greater bridgeport ct area. Ccf achieves these goals by providing technical assistance and financing to other nonprofit organizations and for profit businesses in bridgeport in need of such support. Additionally, ccf provides financing to local organizations and individuals who are generally unable to qualify for credit from banks, and for the rehabilitation and new construction of multifamily housing and mixed use residential and commercial properties. Projects financed by ccf benefit low and moderate income persons and special needs populations in targeted neighborhoods in the bpt area. Funding for these loans has been provided from local banks, governmental agencies and not for profit sources.

240 Fairfield avenue No 3rd flBridgeport, CT 06604

www.commcap.org

Siviq Scores

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

Liabilities / Assets

84th percentile

0.71x

Higher debt load relative to assets than 84% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

98th percentile

16.79x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2015

Net Margin

3rd percentile

-92%

Higher net margin than 3% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

26th percentile

$116,721

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 14.8% of source-year revenue.

501(c)3 • $10M-$25M nonprofits • Source year 2015

Asset Growth

18th percentile

-4.9%

Faster asset growth than 18% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

2nd percentile

-70%

Faster revenue growth than 2% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$18,763,744

Down $968,199 (-4.9%) from 2014

Liabilities

Down

$13,229,065

Down $92,204 (-0.7%) from 2014

Net Assets

Down

$5,534,679

Down $875,995 (-14%) from 2014

Operations
Liabilities / Revenue98th percentileNet Margin3rd percentile

Revenue

Down

$787,890

Down $1,865,835 (-70%) from 2014

Expenses

Up

$1,513,352

Up $498,158 (+49%) from 2014

Net Income

Down

-$725,462

Down $2,363,993 (-144%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth18th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $19,581,464Liabilities 2010: $15,646,761Net Assets 2010: $3,934,7032010Assets 2011: $18,761,315Liabilities 2011: $15,025,028Net Assets 2011: $3,736,2872011Assets 2012: $18,138,410Liabilities 2012: $13,681,273Net Assets 2012: $4,457,1372012Assets 2013: $18,087,168Liabilities 2013: $13,313,335Net Assets 2013: $4,773,8332013Assets 2014: $19,731,943Liabilities 2014: $13,321,269Net Assets 2014: $6,410,6742014Assets 2015: $18,763,744Liabilities 2015: $13,229,065Net Assets 2015: $5,534,6792015

Highlighted filing

2015

Assets$18,763,744
Liabilities$13,229,065
Net Assets$5,534,679
Open 2015 Filing

Operations Trend

Revenue Growth2nd percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,147,5892010Expenses 2011: $1,526,3842011Expenses 2012: $835,3902012Revenue 2013: $824,428Expenses 2013: $874,965Net Income 2013: -$50,5372013Revenue 2014: $2,653,725Expenses 2014: $1,015,194Net Income 2014: $1,638,5312014Revenue 2015: $787,890Expenses 2015: $1,513,352Net Income 2015: -$725,4622015

Highlighted filing

2015

Revenue$787,890
Expenses$1,513,352
Net Income-$725,462
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$18,763,744
Liabilities
$13,229,065
Net assets
$5,534,679
Revenue
$787,890
Expenses
$1,513,352
Net income
-$725,462
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$18.8$13.2$5.53$0.79$1.51$0.73
2014Detailed filing. Detailed filing data is available for this year.$19.7$13.3$6.41$2.65$1.02$1.64
2013Detailed filing. Detailed filing data is available for this year.$18.1$13.3$4.77$0.82$0.87$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.1$13.7$4.46$0.84
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.8$15.0$3.74$1.53
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.6$15.6$3.93$1.15
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Sep 22, 2016
Return Version
2015v2.1
Gross Receipts
$787,890
Mission and Program Overview

Mission

To promote economic development and community revitalization, improve economic conditions and opportunities, and combat community deterioration and business distress in the greater bridgeport ct area. Ccf achieves these goals by providing technical assistance and financing to other nonprofit organizations and for profit businesses in bridgeport in need of such support. Additionally, ccf provides financing to local organizations and individuals who are generally unable to qualify for credit from banks, and for the rehabilitation and new construction of multifamily housing and mixed use residential and commercial properties. Projects financed by ccf benefit low and moderate income persons and special needs populations in targeted neighborhoods in the bpt area. Funding for these loans has been provided from local banks, governmental agencies and not for profit sources.

To promote economic development and community revitalization to improve conditions and opportunities and combat community deterioration and business distress in the greater bridgeport connecticut area.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,136,192$12,833,388▼ $302,804
Cash and Non-Interest-Bearing Accounts$2,818,677$2,655,794▼ $162,883
Savings and Temporary Cash Investments$184,281$208,452▲ $24,171
Land, Buildings, and Equipment, Net$67,007$52,338▼ $14,669
Prepaid Expenses and Deferred Charges$25,996$32,213▲ $6,217
Total Assets$19,731,943$18,763,744▼ $968,199
Other Assets Total$3,499,790$2,981,559▼ $518,231
Liabilities
Mortgage Notes Payable Secured by Investment Property$5,271,914$5,879,501▲ $607,587
Deferred Revenue$4,300,000$4,154,191▼ $145,809
Other Liabilities$3,637,644$3,096,399▼ $541,245
Accounts Payable and Accrued Expenses$111,711$98,974▼ $12,737
Total Liabilities$13,321,269$13,229,065▼ $92,204
Net Assets / Fund Balance
Permanently Rstr Net Assets$3,979,366$3,303,856▼ $675,510
Temporarily Rstr Net Assets$2,187,231$2,144,902▼ $42,329
Unrestricted Net Assets$244,077$85,921▼ $158,156
Total Net Assets Fund Balance$6,410,674$5,534,679▼ $875,995
Total Liabilities and Net Assets / Fund Balance$19,731,943$18,763,744▼ $968,199

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$38,665$63,630$102,295
Equipment$13,673$42,274$55,947
Other Assets Org$49,025--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2015$3,979,366-▼ $675,510-$3,303,856
2014$4,116,641-▼ $137,275-$3,979,366
2013$4,153,605-▼ $36,964-$4,116,641
2012$3,543,131$683,850▲ $119,123$192,499$4,153,605
2011$2,690,071$1,151,577▲ $4,423$302,940$3,543,131
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ann RobinsonExecutive DirectorFT$98,205$18,516$116,721

Board Members and Trustees

NameTitle
Joseph PaolettaPresident
Christina KazanasVice President
Beverly BelcaminoBoard Member
Chad StewartBoard Member
Charles ScottBoard Member
Ginne Rae ClayBoard Member
Jeffrey RobinsonBoard Member
Kevin GremseBoard Member
Kimberly FordBoard member
Marcia EscobedoBoard Member
Stephanie PhilipsBoard Member
Carmen ColonSecretary
Ed LavernoichTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$242,256
Program Service Revenue
$518,504
Investment Income
$21,622
Other Revenue
$5,508
All Other Contributions
$89,256
Change in Net Assets
$-725,462

Audited Revenue Reconciliation

Revenue per Audited Statements
$787,890
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$787,890
Total Revenue per Form 990
$787,890
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,149,955
Salaries, Compensation, and Employee Benefits$363,397
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$237,177--$237,177
Other Salaries and Wages$144,646$36,162-$180,808
Current Officers, Directors, Trustees, and Key Employees$93,377$23,344-$116,721
Fees for Services Accounting$69,680$17,420-$87,100
Fees for Services Legal$30,623$7,656-$38,279
Other Employee Benefits$30,242$7,560-$37,802
Occupancy$28,428$7,107-$35,535
Office Expenses$5,539$29,709-$35,248
Insurance$19,634$4,908-$24,542
Payroll Taxes$17,326$4,332-$21,658
Advertising$15,234$3,809-$19,043
Other Expenses$61,329$17,406-$17,406
Depreciation Depletion$11,735$2,934-$14,669
Fees for Services Other$6,640$1,660-$8,300
Pension Plan Contributions$5,126$1,282-$6,408
Conferences and Meetings$2,746$686-$3,432
Total Functional Expenses$1,347,377$165,975$0$1,513,352

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,513,352
Total Expenses per Audited Statements$1,513,352
Total Expenses per Form 990$1,513,352
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Agency Liabilities$2,932,534
Borrower Tax and Insurance Escrow Accounts$151,119
Amounts Due to US Treasury$12,746
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
No
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 B, line 11

“Form 990 is reviewed by the executive director and provided to all board members before it is filed.”

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

“ANNUAL MONITORING OF CONFLICT OF INTEREST DISCLOSED AT BOARD OR COMMITTEE MEETING. Each director and officer shall answer an annual questionnaire if so determined by the Board of Directors. Any director having a duality of interest or possible conflict of interest on any matter refrains from voting or using his or her personal influence on the matter. The minutes shall reflect that a disclosure was made and the abstention from voting.”

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

“The executive director's compensation is set by the board during the annual budget process. An outside study is also performed.”

Form 990, Part VI, Section C, line 19

“The form 990 and other documents are available at the agency's office to any person making a request.”

Filing and Contact Details

Filer

Filer Name
Community Capital Fund Inc
EIN
06-1469830
Phone
2033327977
Address
240 Fairfield avenue No 3rd fl, Bridgeport, CT 06604

Signing Officer

Name
Ann C Robinson
Title
executive director
Phone
2033327977
Signed
2016-09-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
ann robinson
Formed
1996
Legal Domicile
Ct
Voting Board Members
13
Independent Board Members
13
Employees
5
Volunteers
0

Preparer

Firm
Cohnreznick Llp
Address
350 Church Street 12th floor, Hartford, CT 06103
Preparer
Kimberly Nardone
Phone
9592007000
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Prior period adjustments -150,533.”

Form 990, Part XII, Line 2C

“There have been no changes made to the organization's oversight or selection process during the tax year.”

Financial Statement Notes

Part V, Line 4:

“Temporarily restricted net assets are donor-restricted grants/contributions earmarked for particular financing types of loans relating to housing and community development, or for operating activities.”

Part X, Line 2:

“CCF has no unrecognized tax benefits at December 31, 2015. CCF's federal information returns prior to fiscal year 2012 are closed and management continually evaluates expiring statutes of limitations, audits, proposed settlements, changes in tax law and new authoritative rulings. If CCF had unrelated business income taxes, it would recognize interest and penalties associated with any tax matters as part of the income tax provision and include accrued interest and penalties with the related tax liability in the statement of financial position.”

Raw XML AppendixShowing 400 of 557 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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IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt5Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8President
IRS990/Form990PartVIISectionAGrp/TitleTxt9Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt10Board member
IRS990/Form990PartVIISectionAGrp/TitleTxt11Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt12Board Member
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IRS990/QuidProQuoContributionsInd00
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IRS990/ReconcilationRevenueExpnssAmt0-725462
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IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0OTHER - 2011 Amount: $ 342. 2012 Amount: $ 11,290. 2013 Amount: $ 201. 2014 Amount: $ 181. 2015 Amount: $ 5,508.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0Schedule A, Part III, Line 12, Explanation of Other Income:
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IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt0103288
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt0128476
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0518504
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0567164
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0631453
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0766322
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0631872
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt03115315
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IRS990ScheduleA/InvestmentIncomeCYPct00.01870
IRS990ScheduleA/InvestmentIncomePYPct00.02790
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IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus4YearsAmt0342
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