Liabilities / Assets
47th percentile
Higher debt load relative to assets than 47% of similar nonprofits.
Community Capital New York Inc.
990 • Fiscal year 2012 • EIN 13-3544227
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.60x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
91st percentile
Faster asset growth than 91% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Up$4,747,990
Up $844,926 (+22%) from 2011
Net Assets
Down$1,900,196
Down $157,315 (-7.6%) from 2011
Liabilities
Up$2,847,794
Up $1,002,241 (+54%) from 2011
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Up$802,848
Up $251,530 (+46%) from 2011
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jul 1, 2011 to Jun 30, 2012
- Signed
- Feb 4, 2013
- Return Version
- 2011v1.2
- Gross Receipts
- $645,533
Mission and Program Overview
Mission
Community capital is a nonprofit lender that has revitalized communities and transformed lives in the mid-hudson valley, bronx and fairfield county, ct for 30 years. Our mission is to foster economic opportunity for underserved individuals and low wealth communities by providing innovative loans and business training that supports entrepreneurs, the development of affordable homes so that all residents can be stakeholders in a more inclusive economy.
Major Activities
- Activity 2
- See schedule o - micro-business lendingcommunity capital is the largest not for profit lender to small businesses in the hudson valley, turning those dismissed by traditional lenders into main street entrepreneurs. We use capital creatively to help underserved business owners, predominantly women and minority business owners, start or expand their businesses, create quality jobs, generate tax revenues, revitalize neighborhoods and create community stakeholders. Community capital borrowers are sound businesses who just do not meet the borrowing profile of traditional lenders , in large part because the loans are not profitable. The small size of the loans, the assistance that new entrepreneurs need to put together a strong loan application, the limited interest rates early stage businesses can support and the inherent risk make these loans unattractive to mainstream finance. In 2012 community capital made over $475,000 in loans to businesses creating or securing 65 jobs.
Filing and Contact Details
Filer
- EIN
- 13-3544227
Raw XML AppendixShowing 400 of 657 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/AccountsPayableAccruedExpenses/BOY | 0 | 19000 |
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| IRS990/Activity2/Description | 0 | SEE SCHEDULE O - MICRO-BUSINESS LENDINGCOMMUNITY CAPITAL IS THE LARGEST NOT FOR PROFIT LENDER TO SMALL BUSINESSES IN THE HUDSON VALLEY, TURNING THOSE DISMISSED BY TRADITIONAL LENDERS INTO MAIN STREET ENTREPRENEURS. WE USE CAPITAL CREATIVELY TO HELP UNDERSERVED BUSINESS OWNERS, PREDOMINANTLY WOMEN AND MINORITY BUSINESS OWNERS, START OR EXPAND THEIR BUSINESSES, CREATE QUALITY JOBS, GENERATE TAX REVENUES, REVITALIZE NEIGHBORHOODS AND CREATE COMMUNITY STAKEHOLDERS. COMMUNITY CAPITAL BORROWERS ARE SOUND BUSINESSES WHO JUST DO NOT MEET THE BORROWING PROFILE OF TRADITIONAL LENDERS , IN LARGE PART BECAUSE THE LOANS ARE NOT PROFITABLE. THE SMALL SIZE OF THE LOANS, THE ASSISTANCE THAT NEW ENTREPRENEURS NEED TO PUT TOGETHER A STRONG LOAN APPLICATION, THE LIMITED INTEREST RATES EARLY STAGE BUSINESSES CAN SUPPORT AND THE INHERENT RISK MAKE THESE LOANS UNATTRACTIVE TO MAINSTREAM FINANCE. IN 2012 COMMUNITY CAPITAL MADE OVER $475,000 IN LOANS TO BUSINESSES CREATING OR SECURING 65 JOBS. |
| IRS990/Activity2/Expense | 0 | 522081 |
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| IRS990/ActivityOrMissionDescription | 0 | COMMUNITY CAPITAL IS COMMITTED TO HELPING INDIVIDUALS AND COMMUNITIES REACH THEIR FULL ECONOMIC POTENTIAL. AS THE LARGEST NOT FOR PROFIT NON-BANK LENDER EXCLUSIVELY SERVING IN THE HUDSON VALLEY, COMMUNITY CAPITAL PROVIDES THE LOANS THAT BANKS CANNOT OR WILL NOT MAKE AND COUPLES THEM WITH TECHNICAL ASSISTANCE TO LEVERAGE OUR FINANCIAL INVESTMENTS INTO SUCCESSFUL BUSINESSES. COMMUNITY CAPITAL MAKES LOANS TO COMMUNITY BUSINESSES TO CREATE JOBS, DEVELOP AFFORDABLE HOMES, GENERATE TAX REVENUES, REVITALIZED NEIGHBORHOODS AND TO CREATE COMMUNITY STAKEHOLDERS. |
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| IRS990/Description | 0 | SEE SCHEDULE O - AFFORDABLE HOUSING LENDING PROGRAMCOMMUNITY CAPITAL PROVIDES CRITICAL "GAP" FINANCING TO FACILITATE THE DEVELOPMENT OF AFFORDABLE HOUSING THROUGHOUT THE HUDSON VALLEY. THE HIGH COST OF HOUSING REMAINS ONE OF THE MOST INTRACTABLE IMPEDIMENTS TO ECONOMIC DEVELOPMENT IN THE REGION AND COMMUNITY CAPITAL PROVIDES CRITICAL, CATALYTIC CAPITAL TO DEVELOPERS WHO ARE CREATING A VARIETY OF HOUSING OPPORTUNITIES FOR YOUNG PEOPLE HOPING TO RETURN TO THE COMMUNITIES THEY GREW UP IN, FOR RETIREES, HOPING TO REMAIN IN THE COMMUNITIES THEY HELPED BUILD AND FOR OUR WORKFORCE, THE FOUNDATION OF ECONOMIC REVITALIZATION FOR OUR COMMUNITIES. COMMUNITY CAPITAL PROVIDES LOW COST, FLEXIBLE, PATIENT LOANS TO DEVELOPERS WHO ARE CREATING HOMES FOR THOSE WHO MAKE 80% OR LESS OF THE AREA MEDIAN INCOME. IN THIS VERY DESIRABLE HOUSING REGION, THE MARKET FAILS TO PROVIDE HOMES THAT ARE AFFORDABLE TO THOUSANDS WHO ARE ESSENTIAL TO OUR COMMUNITIES: TEACHERS, HEALTH CARE WORKERS, RETAIL STAFF, DATA ENTRY AND ADMINISTRATIVE STAFF, CONSTRUCTION TRADES AND THE LIKE. COMMUNITY CAPITAL WORKS WITH DEVELOPERS TO HELP THEM CLOSE THEIR FINANCING GAPS AND BRING THESE DESPERATELY NEEDED HOMES ON LINE AS QUICKLY AS POSSIBLE. WHILE COMMUNITY CAPITAL'S LOANS ARE TYPICALLY ONLY A SMALL PART OF THE TOTAL DEVELOPMENT BUDGET, COMMUNITY CAPITAL PROVIDES THE CATALYTIC FUNDING THAT OTHERS CANNOT OR WILL NOT OFFER: PREDEVELOPMENT LOANS, SUBORDINATED DEBT, BRIDGE LOANS AND THE LIKE. IN THE YEAR ENDING JUNE 30, 2012, COMMUNITY CAPITAL MADE LOANS TOTALING $259,000 TO PROJECTS REPRESENTING 84 NEW HOMES. IN ADDITION, COMMUNITY CAPITAL HAS A SMALL POOL OF FUNDS FROM WHICH IT MAKES DOWN PAYMENT ASSISTANCE LOANS TO LOW INCOME FIRST TIME HOMEBUYERS WHO WOULD NOT OTHERWISE BE ABLE TO COVER THE HIGH COST OF CLOSING COSTS IN THIS REGION. IN ADDITION, COMMUNITY CAPITAL HAS PARTICIPATED IN THE NEIGHBORHOOD STABLIZATION PROGRAM, PURCHASING THREE FORECLOSED HOMES IN THE CITY OF PEEKSKILL, REHABBING THEM AND MAKING THEM READY FOR PURCHASE BY FIRST TIME HOME BUYERS. FINALLY, COMMUNITY CAPITAL PROVIDES ADVOCACY LEADERSHIP AROUND HOUSING ISSUES IN THE REGION INCLUDING WORK ON THE WESTCHESTER COUNTY SETTLEMENT AGREEMENT WITH HUD TO CREATE A CLIMATE OF ACCEPTANCE FOR FAIR AND AFFORDABLE HOUSING IN THE COMMUNITY.STARTING WITH JUST $15,000 IN LOAN CAPITAL IN 2003, AND SECURING SBA MICRO LENDER STATUS IN 2007, COMMUNITY CAPITAL IS STILL RELATIVELY NEW TO MICRO LENDING. IN THE PAST FIVE YEARS WE HAVE WORKED HARD TO ESTABLISH THE INFRASTRUCTURE AND BEST PRACTICES NEEDED TO RUN A FINANCIALLY SOUND, REGIONALLY IMPACTFUL MICRO LOAN FUND. STEPS WE HAVE TAKEN INCLUDE A SIX MONTH MORATORIUM ON LENDING IN 2008 WHILE WE REVIEWED OUR LOAN POLICIES AND UNDERWRITING PROCESS, JOINING CREDIT BUILDERS ALLIANCE SO THAT WE COULD CREDIT REPORT ON OUR CLIENTS, BUILDING AN ON LINE APPLICATION INTERFACE ON OUR WEBSITE, ESTABLISHING A QUARTERLY REPORTING SYSTEM FOR BORROWERS AND THE LIKE. IN THE PAST YEAR, WE TOOK ONE OF THE FINAL STEPS TO MAKE SURE THAT OUR PROGRAM OPERATES ON SOLID GROUND: MOVING FROM A SYSTEM WHERE WE RISK RATED THE SMALL BUSINESS PORTFOLIO AS A WHOLE (WITH A 15% LOAN LOSS RESERVE ACROSS THE BOARD) TO ONE IN WHICH WE INDIVIDUALLY RISK RATED EACH LOAN. WE BELIEVE THAT THE NEW APPROACH IS A MORE PROFESSIONAL, REALISTIC, AS WELL AS CONSERVATIVE PRACTICE AND A STEP FORWARD FOR THE SOPHISTICATION AND OPERATION OF OUR LOAN FUND. THE DOWN SIDE OF THIS NEW, IMPROVED APPROACH IS THAT, IN CONJUNCTION WITH AN UNCHARACTERISTICALLY LARGE LOSS IN THE HOUSING PORTFOLIO IN 2012, THIS NEW RISK RATING SYSTEM LED TO A SUBSTANTIAL INCREASE OUR PROVISION FOR LOAN LOSS FOR FY2012, IMPACTING THE 2012 STATEMENT OF ACTIVITIES. NONETHELESS, WE BELIEVE THAT THIS NEW APPROACH IS APPROPRIATE AND REPRESENTS A LONG TERM PHILOSOPHY OF RECOGNIZING AND PREPARING FOR THE RISK INHERENT IN LENDING TO SMALL BUSINESSES IN THEIR EARLY STAGES. |
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| IRS990/Form990PartVIISectionA/Title | 15 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 16 | DIRECTOR THRU APRIL 2012 |
| IRS990/Form990PartVIISectionA/Title | 17 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 18 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 19 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 20 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 21 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 22 | EXECUTIVE DIRECTOR |
| IRS990/Form990ProvidedToGoverningBody | 0 | 1 |
| IRS990/FormersListed | 0 | 0 |
| IRS990/FSAudited | 0 | 1 |
| IRS990/FundraisingActivities | 0 | 0 |
| IRS990/FundsToPayPremiums | 0 | 0 |
| IRS990/Gaming | 0 | 0 |
| IRS990/GovernmentGrants | 0 | 360218 |
| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsAndSimilarAmntsPriorYear | 0 | 0 |
| IRS990/GrantsToIndividuals | 0 | 0 |
| IRS990/GrantsToOrganizations | 0 | 0 |
| IRS990/GrantToRelatedPerson | 0 | 0 |
| IRS990/GrossReceipts | 0 | 645533 |
| IRS990/GroupReturnForAffiliates | 0 | 0 |
| IRS990/Hospital | 0 | 0 |
| IRS990/IndependentAuditFinancialStmt | 0 | 0 |
| IRS990/IndoorTanningServices | 0 | 0 |
| IRS990/InfoInScheduleOPartIII | 0 | X |
| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InfoInScheduleOPartVII | 0 | X |
| IRS990/InfoInScheduleOPartXII | 0 | X |
| IRS990/Insurance/Fundraising | 0 | 2067 |
| IRS990/Insurance/ManagementAndGeneral | 0 | 1114 |
| IRS990/Insurance/ProgramServices | 0 | 6687 |
| IRS990/Insurance/Total | 0 | 9868 |
| IRS990/IntangibleAssets/BOY | 0 | 2481 |
| IRS990/IntangibleAssets/EOY | 0 | 1444 |
| IRS990/Interest/ProgramServices | 0 | 31559 |
| IRS990/Interest/Total | 0 | 31559 |
| IRS990/InvestmentIncomeCurrentYear | 0 | 2538 |
| IRS990/InvestmentIncome/ExclusionAmount | 0 | 2538 |
| IRS990/InvestmentIncomePriorYear | 0 | 2052 |
| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 2538 |
| IRS990/InvestmentInJointVenture | 0 | 0 |
| IRS990/LandBldgEquipmentAccumDeprec | 0 | 5532 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 11447 |
| IRS990/LandBuildingsEquipmentBasisNet/BOY | 0 | 5177 |
| IRS990/LandBuildingsEquipmentBasisNet/EOY | 0 | 5915 |
| IRS990/LoanToOfficerOrDQP | 0 | 0 |
| IRS990/LobbyingActivities | 0 | 1 |
| IRS990/LocalChapters | 0 | 0 |
| IRS990/MaterialDiversionOrMisuse | 0 | 0 |
| IRS990/MembersOrStockholders | 0 | 0 |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | 1 |
| IRS990/MinutesOfGoverningBody | 0 | 1 |
| IRS990/MissionDescription | 0 | OPPORTUNITY IS OUR MISSION. COMMUNITY CAPITAL NEW YORK A/K/A COMMUNITY CAPITAL RESOURCES SERVES AS AN ECONOMIC CATALYST, PROVIDING ALTERNATIVE FINANCING THAT TRANSFORMS AND STRENGTHENS THE PROSPERITY OF OUR COMMUNITIES AND THE LIVES OF THE PEOPLE WITHIN THEM. |
| IRS990/MoreThan5000KToIndividuals | 0 | 0 |
| IRS990/MoreThan5000KToOrganizations | 0 | 0 |
| IRS990/MortNotesPyblSecuredInvestProp/BOY | 0 | 1389693 |
| IRS990/MortNotesPyblSecuredInvestProp/EOY | 0 | 2195687 |
| IRS990/NameOfPrincipalOfficerPerson | 0 | KIMBERLIE A JACOBS |
| IRS990/NbrIndependentVotingMembers | 0 | 18 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 18 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 18 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 2057511 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 1900196 |
| IRS990/NetUnrelatedBusinessTxblIncome | 0 | 0 |
| IRS990/NonDeductibleContributions | 0 | 0 |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 5 |
| IRS990/NumberIndependentVotingMembers | 0 | 18 |
| IRS990/NumberIndividualsGT100K | 0 | 0 |
| IRS990/NumberOfContractorsGT100K | 0 | 1 |
| IRS990/NumberOfEmployees | 0 | 9 |
| IRS990/NumberW2GIncluded | 0 | 0 |
| IRS990/Occupancy/Fundraising | 0 | 4512 |
| IRS990/Occupancy/ManagementAndGeneral | 0 | 3309 |
| IRS990/Occupancy/ProgramServices | 0 | 14739 |
| IRS990/Occupancy/Total | 0 | 22560 |
| IRS990/OfficeExpenses/Fundraising | 0 | 3005 |
| IRS990/OfficeExpenses/ManagementAndGeneral | 0 | 2517 |
| IRS990/OfficeExpenses/ProgramServices | 0 | 14556 |
| IRS990/OfficeExpenses/Total | 0 | 20078 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | 0 |
| IRS990/OfficerMailingAddress | 0 | 0 |
| IRS990/Organization501c3 | 0 | X |
| IRS990/OtherAssetsTotal/BOY | 0 | 16595 |
| IRS990/OtherAssetsTotal/EOY | 0 | 38791 |
| IRS990/OtherEmployeeBenefits/Fundraising | 0 | 509 |
| IRS990/OtherEmployeeBenefits/ProgramServices | 0 | 13278 |
| IRS990/OtherEmployeeBenefits/Total | 0 | 13787 |
| IRS990/OtherExpensePriorYear | 0 | 193908 |
| IRS990/OtherExpensesCurrentYear | 0 | 439289 |
| IRS990/OtherExpenses/Description | 0 | LOSS RESERVE PROVISION |
| IRS990/OtherExpenses/Description | 1 | LOAN EXPENSE |
| IRS990/OtherExpenses/Description | 2 | DEVELOPMENT & FUNDRAISI |
| IRS990/OtherExpenses/Description | 3 | EDUCATION/TRAINING |
| IRS990/OtherExpenses/Fundraising | 0 | 9047 |
| IRS990/OtherExpenses/Fundraising | 1 | 1273 |
| IRS990/OtherExpenses/ManagementAndGeneral | 0 | 2667 |
| IRS990/OtherExpenses/ProgramServices | 0 | 237495 |
| IRS990/OtherExpenses/ProgramServices | 1 | 23217 |
| IRS990/OtherExpenses/ProgramServices | 2 | 5603 |
| IRS990/OtherExpenses/ProgramServices | 3 | 4610 |
| IRS990/OtherExpenses/Total | 0 | 237495 |
| IRS990/OtherExpenses/Total | 1 | 23217 |
| IRS990/OtherExpenses/Total | 2 | 14650 |
| IRS990/OtherExpenses/Total | 3 | 8550 |
| IRS990/OtherLiabilities/BOY | 0 | 426990 |
| IRS990/OtherLiabilities/EOY | 0 | 625423 |
| IRS990/OtherNotesLoansReceivableNet/BOY | 0 | 1725405 |
| IRS990/OtherNotesLoansReceivableNet/EOY | 0 | 1337109 |
| IRS990/OtherRevenueCurrentYear | 0 | 0 |
| IRS990/OtherRevenuePriorYear | 0 | 0 |
| IRS990/OtherSalariesAndWages/Fundraising | 0 | 41048 |
| IRS990/OtherSalariesAndWages/ManagementAndGeneral | 0 | 16997 |
| IRS990/OtherSalariesAndWages/ProgramServices | 0 | 156720 |
| IRS990/OtherSalariesAndWages/Total | 0 | 214765 |
| IRS990/OtherWebsite | 0 | X |
| IRS990/PartialLiquidation | 0 | 0 |
| IRS990/PayrollTaxes/Fundraising | 0 | 4975 |
| IRS990/PayrollTaxes/ManagementAndGeneral | 0 | 3267 |
| IRS990/PayrollTaxes/ProgramServices | 0 | 16364 |
| IRS990/PayrollTaxes/Total | 0 | 24606 |
| IRS990/PledgesAndGrantsReceivable/BOY | 0 | 123879 |
| IRS990/PledgesAndGrantsReceivable/EOY | 0 | 218945 |
| IRS990/PoliticalActivities | 0 | 0 |
| IRS990/PremiumsPaid | 0 | 0 |
| IRS990/PrepaidExpensesDeferredCharges/BOY | 0 | 1662 |
| IRS990/PrepaidExpensesDeferredCharges/EOY | 0 | 1662 |
| IRS990/PriorExcessBenefitTransaction | 0 | 0 |
| IRS990/ProfessionalFundraising | 0 | 0 |
| IRS990/ProgramServiceRevenue/BusinessCode | 0 | 525990 |
| IRS990/ProgramServiceRevenue/BusinessCode | 1 | 525990 |
| IRS990/ProgramServiceRevenueCY | 0 | 110909 |
| IRS990/ProgramServiceRevenue/Description | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenue/Description | 1 | LOAN SERVICING FEES |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 103089 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 80513 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 1 | 30396 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 80513 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 1 | 30396 |
| IRS990/ProhibitedTaxShelterTrans | 0 | 0 |
| IRS990/QuidProQuoContributions | 0 | 0 |
| IRS990/ReconcilationOtherChanges | 0 | 0 |
| IRS990/ReconcilationRevenueExpenses | 0 | -157315 |
| IRS990/RegularMonitoringEnforcement | 0 | 1 |
| IRS990/RelatedEntity | 0 | 1 |
| IRS990/RelatedOrgControlledEntity | 0 | 1 |
| IRS990/ReportFin48Footnote | 0 | 1 |
| IRS990/ReportInvestOthSecurities | 0 | 0 |
| IRS990/ReportLandBldgEquip | 0 | 1 |
| IRS990/ReportOtherAssets | 0 | 0 |
| IRS990/ReportOtherLiabilities | 0 | 1 |
| IRS990/ReportProgRelInvest | 0 | 0 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $4,747,990
- Liabilities
- $2,847,794
- Net assets
- $1,900,196
- Revenue
- -
- Expenses
- $802,848
- Net income
- -