Civic Intelligence

Fresno Community Development Financial Institution

990 • Fiscal year 2016 • EIN 26-1177785

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 01, 2017

Organization Profilewww.fresnocdfi.com
1920 Mariposa MallFresno, CA 93721

(559) 263-1030

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

84th percentile

0.74x

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

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

95th percentile

7.29x

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

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Net Margin

74th percentile

13%

Higher net margin than 74% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

61st percentile

$208,058

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 15.0% of source-year revenue.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Asset Growth

81st percentile

14%

Faster asset growth than 81% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

27th percentile

-5.5%

Faster revenue growth than 27% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets84th percentile

Assets

Up

$13,688,639

Up $1,724,461 (+14%) from 2015

Net Assets

Up

$3,597,585

Up $174,002 (+5.1%) from 2015

Liabilities

Up

$10,091,054

Up $1,550,459 (+18%) from 2015

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin74th percentile

Revenue

Down

$1,384,131

Down $80,389 (-5.5%) from 2015

Expenses

Up

$1,210,129

Up $344,762 (+40%) from 2015

Net Income

Down

$174,002

Down $425,151 (-71%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth81st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$40M$30M$20M$10M$0Assets 2011: $3,432,718Liabilities 2011: $2,101,473Net Assets 2011: $1,331,2452011Assets 2012: $4,599,983Liabilities 2012: $2,621,999Net Assets 2012: $1,977,9842012Assets 2013: $5,714,054Liabilities 2013: $3,476,350Net Assets 2013: $2,237,7042013Assets 2014: $9,211,921Liabilities 2014: $6,387,491Net Assets 2014: $2,824,4302014Assets 2015: $11,964,178Liabilities 2015: $8,540,595Net Assets 2015: $3,423,5832015Assets 2016: $13,688,639Liabilities 2016: $10,091,054Net Assets 2016: $3,597,5852016Assets 2017: $14,855,818Liabilities 2017: $11,036,644Net Assets 2017: $3,819,1742017Assets 2018: $14,404,166Liabilities 2018: $10,535,674Net Assets 2018: $3,868,4922018Assets 2019: $20,211,926Liabilities 2019: $12,233,022Net Assets 2019: $7,978,9042019Assets 2020: $20,530,095Liabilities 2020: $10,909,240Net Assets 2020: $9,620,8552020Assets 2021: $30,883,005Liabilities 2021: $15,855,022Net Assets 2021: $15,027,9832021Assets 2022: $30,893,281Liabilities 2022: $16,658,887Net Assets 2022: $14,234,3942022Assets 2023: $27,780,738Liabilities 2023: $14,243,136Net Assets 2023: $13,537,6022023Assets 2024: $31,878,188Liabilities 2024: $17,705,247Net Assets 2024: $14,172,9412024

Highlighted filing

2016

Assets$13,688,639
Liabilities$10,091,054
Net Assets$3,597,585
Open 2016 Filing

Operations Trend

Revenue Growth27th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$10M$5.0M$0-$5.0MExpenses 2011: $456,1412011Expenses 2012: $231,2632012Revenue 2013: $539,292Expenses 2013: $279,572Net Income 2013: $259,7202013Revenue 2014: $1,441,937Expenses 2014: $855,211Net Income 2014: $586,7262014Revenue 2015: $1,464,520Expenses 2015: $865,367Net Income 2015: $599,1532015Revenue 2016: $1,384,131Expenses 2016: $1,210,129Net Income 2016: $174,0022016Revenue 2017: $1,708,079Expenses 2017: $1,486,490Net Income 2017: $221,5892017Revenue 2018: $1,908,234Expenses 2018: $1,858,916Net Income 2018: $49,3182018Revenue 2019: $6,325,595Expenses 2019: $2,215,183Net Income 2019: $4,110,4122019Revenue 2020: $3,907,581Expenses 2020: $2,265,630Net Income 2020: $1,641,9512020Revenue 2021: $9,893,346Expenses 2021: $2,894,699Net Income 2021: $6,998,6472021Revenue 2022: $3,653,075Expenses 2022: $4,446,664Net Income 2022: -$793,5892022Revenue 2023: $4,923,185Expenses 2023: $5,619,977Net Income 2023: -$696,7922023Revenue 2024: $5,853,947Expenses 2024: $5,556,902Net Income 2024: $297,0452024

Highlighted filing

2016

Revenue$1,384,131
Expenses$1,210,129
Net Income$174,002
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 1, 2017
Return Version
2016v3.0
Gross Receipts
$1,384,131
Mission and Program Overview

Mission

As a mission driven small business loan fund, our purpose is to grow businesses and jobs in underserved communities.

Assist in securing capital to provide lending in projects in economically distressed communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,572,419$9,333,314▲ $2,760,895
Savings and Temporary Cash Investments$4,280,689$3,675,026▼ $605,663
Cash and Non-Interest-Bearing Accounts$1,072,517$614,358▼ $458,159
Accounts Receivable$37,643$65,031▲ $27,388
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$11,964,178$13,688,639▲ $1,724,461
Other Assets Total$910$910→ $0
Liabilities
Unsecured Notes Loans Payable$3,550,000$5,200,000▲ $1,650,000
Mortgage Notes Payable Secured by Investment Property$3,320,312$3,501,062▲ $180,750
Deferred Revenue$911,490$1,006,940▲ $95,450
Accounts Payable and Accrued Expenses$758,793$383,052▼ $375,741
Total Liabilities$8,540,595$10,091,054▲ $1,550,459
Net Assets / Fund Balance
Unrestricted Net Assets$3,423,583$3,597,585▲ $174,002
Total Net Assets Fund Balance$3,423,583$3,597,585▲ $174,002
Total Liabilities and Net Assets / Fund Balance$11,964,178$13,688,639▲ $1,724,461

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$2,978$2,978
Compensation and Service Providers
Top Officer Pay61st percentile

Board Members and Trustees

NameTitle
Charles GarabedianPresident
Amarpreet DhaliwalDirector
Angela HiyamaDirector
Arthur TannerDirector
Brian AngusDirector
Esmeralda SoriaDirector
Geri Yang-johnsonDirector
Gilbert LaraDirector
Joe DuranDirector
Lee Ann EagerDirector
Reverend Paul MccoyDirector
Tim BakmanDirector
Tito LuceroDirector
Chris WinekAlternate
Kee XiongAlternate
Salam NaliaCEO
Catherine RoblesSecretary
Dorothy ThomasTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$294,934
Program Service Revenue
$1,089,197
Investment Income
$0
Other Revenue
$0
All Other Contributions
$85,999
Change in Net Assets
$174,002

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,384,131
Total Revenue per Audited Statements
$1,384,131
Total Revenue per Form 990
$1,384,131
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$706,179
Salaries, Compensation, and Employee Benefits$503,950
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$381,581--$381,581
Other Employee Benefits$71,746--$71,746
Office Expenses$67,268--$67,268
Interest$44,820--$44,820
Occupancy$40,699--$40,699
Insurance$39,782--$39,782
Payroll Taxes$35,286--$35,286
Travel$27,783--$27,783
Other Expenses$20,013$84,344-$20,013
Pension Plan Contributions$15,337--$15,337
All Other Expenses$4,768--$4,768
Total Functional Expenses$1,125,785$84,344$0$1,210,129

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,210,129
Total Expenses per Audited Statements$1,210,129
Total Expenses per Form 990$1,210,129
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
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
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“Form 990 is reviewed and approved by the chief executive officer, financial officer and commissioners.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Board members will excuse him/herself, or will be asked to excuse him/herself from actions involving conflicts of interest. Annual training is provided on this matter. Training is also provided to staff to assist in identifying conflict of interest situations. Enforcement and training are linked to areas of exposure by program and are handled on a case by case basis.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Wage comparability surveys are completed, by the related entity, at the national and state level. Also, wage studies of like-agencies within the central valley region are performed. Compensation for the chief executive officer of the related entity is approved by the board of directors of the related entity.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Fresno Community Development Financial
EIN
26-1177785
Phone
5592631030
Address
1920 MARIPOSA MALL, FRESNO, CA 93721

Signing Officer

Name
Salam Nalia
Title
CEO
Signed
2017-11-01
Discuss with paid preparer
Yes

Organization Details

Formed
2008
Legal Domicile
CA
Voting Board Members
15
Independent Board Members
14
Employees
0

Preparer

Firm
Kaku & Mersino Llp
Address
1588 SHAW AVENUE, CLOVIS, CA 93611-7814
Preparer
Thomas J Kaku
Phone
5593247097
Supplemental Narrative

Additional Explanations

Form 990 Part XII, Line 3 - Single Audit Requirement Explanation

“As noted in form 990 part xii question 2b, the organization has audited financial statements on both an individual and consolidated basis. The single audit is performed on the consolidated audited financial statements. The organization's ein is reported on the consolidated single audit data collection submission to the omb.”

Financial Statement Notes

Part X : FIN48 Footnote

“The agency has qualified as a non-profit organization and has been granted tax-exempt status pursuant to internal revenue code section 501(c)(3) and california revenue and taxation code section 23701(d) and is exempt from federal and state of california income taxes.generally accepted accounting principles provides accounting and disclosures guidance about positions taken by an entity in its tax returns that might be uncertain. Management has considered its tax position and believes that all of the positions taken in its federal and state exempt organization tax returns are more likely than not to be sustained upon examination. The agency's returns are subject to examination by federal and state taxing authorities, generally for three years and four years, respectively, after they are filed.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14ALTERNATE
IRS990/Form990PartVIISectionAGrp/TitleTxt15ALTERNATE
IRS990/Form990PartVIISectionAGrp/TitleTxt16Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt17Director
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IRS990/MembersOrStockholdersInd0false
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IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
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IRS990/OtherExpensesGrp/Desc1ADMINISTRATIVE SERVICES
IRS990/OtherExpensesGrp/Desc2OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc3PROFESSIONAL SERVICES
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IRS990/OtherExpensesGrp/ProgramServicesAmt178393
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt09333314
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0198606
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0172802
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IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0340686
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IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,688,639
Liabilities
$10,091,054
Net assets
$3,597,585
Revenue
$1,384,131
Expenses
$1,210,129
Net income
$174,002
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$31.9$17.7$14.2$5.85$5.56$0.30
2023Detailed filing. Detailed filing data is available for this year.$27.8$14.2$13.5$4.92$5.62$0.70
2022Detailed filing. Detailed filing data is available for this year.$30.9$16.7$14.2$3.65$4.45$0.79
2021Detailed filing. Detailed filing data is available for this year.$30.9$15.9$15.0$9.89$2.89$7.00
2020Detailed filing. Detailed filing data is available for this year.$20.5$10.9$9.62$3.91$2.27$1.64
2019Detailed filing. Detailed filing data is available for this year.$20.2$12.2$7.98$6.33$2.22$4.11
2018Detailed filing. Detailed filing data is available for this year.$14.4$10.5$3.87$1.91$1.86$0.05
2017Detailed filing. Detailed filing data is available for this year.$14.9$11.0$3.82$1.71$1.49$0.22
2016Detailed filing. Detailed filing data is available for this year.$13.7$10.1$3.60$1.38$1.21$0.17
2015Detailed filing. Detailed filing data is available for this year.$12.0$8.54$3.42$1.46$0.87$0.60
2014Detailed filing. Detailed filing data is available for this year.$9.21$6.39$2.82$1.44$0.86$0.59
2013Detailed filing. Detailed filing data is available for this year.$5.71$3.48$2.24$0.54$0.28$0.26
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.60$2.62$1.98$0.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.43$2.10$1.33$0.46