Civic Intelligence

Community Financial Resources

EIN 20-3788598 • 501(c)3 • Oakland, CA

Profile

CFR provides pathways to financial well-being and economic justice with safe and reliable financial products for low-wealth communities.

248 3rd St Suite 901-1007Oakland, CA 94607

www.communityfinancialresources.net

Siviq Scores

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

Liabilities / Assets

88th percentile

0.68x

Higher debt load relative to assets than 88% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

95th percentile

3.05x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

5th percentile

-65%

Higher net margin than 5% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

12th percentile

-13%

Faster asset growth than 12% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

13th percentile

-23%

Faster revenue growth than 13% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets88th percentile

Assets

Down

$3,518,526

Down $536,302 (-13%) from 2023

Liabilities

Down

$2,394,443

Down $27,622 (-1.1%) from 2023

Net Assets

Down

$1,124,083

Down $508,680 (-31%) from 2023

Operations
Liabilities / Revenue95th percentileNet Margin5th percentile

Revenue

Down

$785,438

Down $230,047 (-23%) from 2023

Expenses

Up

$1,294,118

Up $267,439 (+26%) from 2023

Net Income

Down

-$508,680

Down $497,486 (-4444%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $422,245Liabilities 2010: $26,334Net Assets 2010: $395,9112010Assets 2011: $587,623Liabilities 2011: $35,328Net Assets 2011: $552,2952011Assets 2012: $516,518Liabilities 2012: $28,009Net Assets 2012: $488,5092012Assets 2013: $475,413Liabilities 2013: $29,813Net Assets 2013: $445,6002013Assets 2014: $517,395Liabilities 2014: $27,804Net Assets 2014: $489,5912014Assets 2015: $813,058Liabilities 2015: $37,928Net Assets 2015: $775,1302015Assets 2016: $1,219,298Liabilities 2016: $31,289Net Assets 2016: $1,188,0092016Assets 2017: $1,083,640Liabilities 2017: $22,916Net Assets 2017: $1,060,7242017Assets 2018: $988,264Liabilities 2018: $27,340Net Assets 2018: $960,9242018Assets 2019: $951,703Liabilities 2019: $41,506Net Assets 2019: $910,1972019Assets 2020: $1,145,298Liabilities 2020: $404,257Net Assets 2020: $741,0412020Assets 2021: $2,244,182Liabilities 2021: $1,032,035Net Assets 2021: $1,212,1472021Assets 2022: $5,378,662Liabilities 2022: $3,734,705Net Assets 2022: $1,643,9572022Assets 2023: $4,054,828Liabilities 2023: $2,422,065Net Assets 2023: $1,632,7632023Assets 2024: $3,518,526Liabilities 2024: $2,394,443Net Assets 2024: $1,124,0832024

Highlighted filing

2024

Assets$3,518,526
Liabilities$2,394,443
Net Assets$1,124,083
Open 2024 Filing

Operations Trend

Revenue Growth13th percentile

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

$1.5M$1.0M$500K$0-$500K-$1.0MRevenue 2010: $415,358Expenses 2010: $352,668Net Income 2010: $62,6902010Revenue 2011: $575,452Expenses 2011: $419,547Net Income 2011: $155,9052011Revenue 2012: $442,710Expenses 2012: $506,475Net Income 2012: -$63,7652012Revenue 2013: $436,230Expenses 2013: $479,139Net Income 2013: -$42,9092013Revenue 2014: $527,794Expenses 2014: $483,803Net Income 2014: $43,9912014Revenue 2015: $760,674Expenses 2015: $475,135Net Income 2015: $285,5392015Revenue 2016: $870,452Expenses 2016: $457,573Net Income 2016: $412,8792016Revenue 2017: $425,186Expenses 2017: $552,471Net Income 2017: -$127,2852017Revenue 2018: $402,918Expenses 2018: $502,718Net Income 2018: -$99,8002018Revenue 2019: $428,808Expenses 2019: $479,535Net Income 2019: -$50,7272019Revenue 2020: $460,531Expenses 2020: $651,668Net Income 2020: -$191,1372020Revenue 2021: $1,081,485Expenses 2021: $610,379Net Income 2021: $471,1062021Revenue 2022: $1,083,185Expenses 2022: $651,375Net Income 2022: $431,8102022Revenue 2023: $1,015,485Expenses 2023: $1,026,679Net Income 2023: -$11,1942023Revenue 2024: $785,438Expenses 2024: $1,294,118Net Income 2024: -$508,6802024

Highlighted filing

2024

Revenue$785,438
Expenses$1,294,118
Net Income-$508,680
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$3,518,526
Liabilities
$2,394,443
Net assets
$1,124,083
Revenue
$785,438
Expenses
$1,294,118
Net income
-$508,680
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.52$2.39$1.12$0.79$1.29$0.51
2023Detailed filing. Detailed filing data is available for this year.$4.05$2.42$1.63$1.02$1.03$0.01
2022Detailed filing. Detailed filing data is available for this year.$5.38$3.73$1.64$1.08$0.65$0.43
2021Detailed filing. Detailed filing data is available for this year.$2.24$1.03$1.21$1.08$0.61$0.47
2020Detailed filing. Detailed filing data is available for this year.$1.15$0.40$0.74$0.46$0.65$0.19
2019Detailed filing. Detailed filing data is available for this year.$0.95$0.04$0.91$0.43$0.48$0.05
2018Detailed filing. Detailed filing data is available for this year.$0.99$0.03$0.96$0.40$0.50$0.10
2017Detailed filing. Detailed filing data is available for this year.$1.08$0.02$1.06$0.43$0.55$0.13
2016Detailed filing. Detailed filing data is available for this year.$1.22$0.03$1.19$0.87$0.46$0.41
2015Detailed filing. Detailed filing data is available for this year.$0.81$0.04$0.78$0.76$0.48$0.29
2014Summary only. Only limited summary data is available for this year.$0.52$0.03$0.49$0.53$0.48$0.04
2013Summary only. Only limited summary data is available for this year.$0.48$0.03$0.45$0.44$0.48$0.04
2012Summary only. Only limited summary data is available for this year.$0.52$0.03$0.49$0.44$0.51$0.06
2011Summary only. Only limited summary data is available for this year.$0.59$0.04$0.55$0.58$0.42$0.16
2010Summary only. Only limited summary data is available for this year.$0.42$0.03$0.40$0.42$0.35$0.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 16, 2025
Return Version
2024v5.2
Gross Receipts
$785,438
Mission and Program Overview

Mission

CFR provides research, education, program development and technical assistance for non-profit organizations and their low-income constituents on financial literacy, money management, and accessing and effectively using low-cost financial products and services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,930,438$2,963,917▲ $33,479
Investments in Publicly Traded Securities-$224,274-
Cash and Non-Interest-Bearing Accounts$829,684$184,628▼ $645,056
Land, Buildings, and Equipment, Net$180,723$96,926▼ $83,797
Accounts Receivable$84,733$23,388▼ $61,345
Pledges and Grants Receivable$26,000$22,500▼ $3,500
Prepaid Expenses and Deferred Charges$3,250$2,893▼ $357
Other Notes and Loans Receivable, Net-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$4,054,828$3,518,526▼ $536,302
Other Assets Total-$0-
Liabilities
Grants Payable$2,186,463$2,165,723▼ $20,740
Deferred Revenue$182,855$154,977▼ $27,878
Accounts Payable and Accrued Expenses$52,747$73,743▲ $20,996
Total Liabilities$2,422,065$2,394,443▼ $27,622
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,224,780$989,083▼ $235,697
Net Assets With Donor Restrictions$407,983$135,000▼ $272,983
Total Net Assets Fund Balance$1,632,763$1,124,083▼ $508,680
Total Liabilities and Net Assets / Fund Balance$4,054,828$3,518,526▼ $536,302

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$96,926$195,951$292,877
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Parisa EsmailiExecutive DirectorFT$142,418$5,141$147,559
Carol IasconeOperations ManagerFT$111,760$7,660$119,420
Cynthini WestCFOFT$100,294-$100,294

Board Members and Trustees

NameTitle
Beadsie WooPresident
Lydia BustamanteBoard Member
Rebeca RangelBoard Member
Suwandi TandjungBoard Member
Lauren LeimbachFounder & Board
Kendall BakerSec/Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$319,569
Program Service Revenue
$453,450
Investment Income
$12,419
Other Revenue
$0
All Other Contributions
$248,320
Change in Net Assets
$-508,680
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$928,949
Other Expenses$269,214
Grants and Similar Amounts Paid$73,452
Total Fundraising Expense$53,692
Professional Fundraising Fees$22,503

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$581,308$90,409$21,528$693,245
Current Officers, Directors, Trustees, and Key Employees$128,377$13,451$5,731$147,559
Depreciation Depletion$83,797--$83,797
Grants to Domestic Orgs$73,452--$73,452
Information Technology$55,941$10,108$1,348$67,397
Payroll Taxes$51,032$7,745$1,944$60,721
Other Employee Benefits$26,858$566-$27,424
Fees for Services Professional Fundraising--$22,503$22,503
Other Expenses$17,862$277$326$18,465
Office Expenses$5,928$9,350$312$15,590
Insurance-$8,862-$8,862
Travel$1,284$6,462-$7,746
Conferences and Meetings$55$6,935-$6,990
Fees for Services Accounting-$6,390-$6,390
Fees for Services Other$1,912$3,113-$5,025
Total Functional Expenses$1,076,758$163,668$53,692$1,294,118
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
LA Sec Nat Council Jewish WomLos Angeles, CA501c3Moms Wellness Program$6,000
Catholic Charities Houma-ThibSchriever, LA501c3Mou$0
Courageous Women AssociationOakland, CA501c3Mou$0
East Oakland CollectiveOakland, CA501c3Service discount$0
Grand Lake Theatrix Thea AsscSt Marys, OH501c3Mou$0
Neighborhood IndustriesFresno, CA501c3Mou$0
SfhsaSan Francisco, CAGovMou$0
YWCA DuluthDuluth, MN501c3Mou$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
Yes

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$22,503
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
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
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
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 11B

“Submittal Information is reviewed by Executive Director and CFO. Draft Information is reviewed by ED, CFR and CFR's Treasurer. All tax documents, including the 990 are given to each Board Member and also documented in the next board meeting.”

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

“A Conflict of Interest Form is requested annually.”

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

“Board Members approved the small cost of living increase for 2024 included in the Budget.”

Form 990, Part VI, Section C, Line 19

“Upon request”

Pass-through activity - Form 990 Part VIII & Part IX

“In addition to the activity reflected in the financial statements, the Organization partners with other nonprofits and government funders to offer payment facilitation and no-fee prepaid debit cards to recipients of various benefit programs. Under these programs, the Organization, after determining the program meets its charitable objectives, may receive and disburse funds to charitable recipients based on instructions from program partners. As the Organization does not have variance authority over such funds, they are accounted for on a pass-through basis. A total of $7,322,427 was disbursed during the year ended December 31, 2024.”

Filing and Contact Details

Filer

Filer Name
Community Financial Resources
EIN
20-3788598
Phone
9176011377
Address
248 3rd St Suite 901-1007, Oakland, CA 94607

Signing Officer

Name
Parisa Esmaili
Title
Executive Director
Signed
2025-07-16
Discuss with paid preparer
Yes

Organization Details

Formed
2005
Legal Domicile
CA
Voting Board Members
6
Independent Board Members
5
Employees
9
Volunteers
6

Preparer

Firm
Crosby & Kaneda CPAs LLP
Address
548 Market St PMB 97503, San Francisco, CA 94104
Preparer
Felix Gorrindo
Phone
5108352727
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IRS990/Form990PartVIISectionAGrp/PersonNm0Parisa Esmaili
IRS990/Form990PartVIISectionAGrp/PersonNm1Carol Iascone
IRS990/Form990PartVIISectionAGrp/PersonNm2Cynthini West
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Executive Dir.
IRS990/Form990PartVIISectionAGrp/TitleTxt1Operations Manager
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IRS990/Form990PartVIISectionAGrp/TitleTxt3President
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IRS990/ProgSrvcAccomActy2Grp/Desc0Guaranteed Income: CFR partnered with 20 Guaranteed Income programs nationwide, processing over $6.7 million to 1,098 participants, benefiting a diverse array of populations, including first-time moms, high school students, foster youth, artists, refugees escaping domestic violence, black youth, returning citizens, seniors, and families with young children.
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