Civic Intelligence

Fresno Community Development Financial Institution

990 • Fiscal year 2019 • EIN 26-1177785

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 09, 2020

Organization ProfileWWW.ACCESSPLUSCAPITAL.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

78th percentile

0.61x

Higher debt load relative to assets than 78% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

87th percentile

1.93x

Higher debt load relative to revenue than 87% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2019

Net Margin

94th percentile

65%

Higher net margin than 94% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

62nd percentile

$214,347

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2019

Asset Growth

92nd percentile

40%

Faster asset growth than 92% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

97th percentile

231%

Faster revenue growth than 97% of similar nonprofits.

2019 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets78th percentile

Assets

Up

$20,211,926

Up $5,807,760 (+40%) from 2018

Net Assets

Up

$7,978,904

Up $4,110,412 (+106%) from 2018

Liabilities

Up

$12,233,022

Up $1,697,348 (+16%) from 2018

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin94th percentile

Revenue

Up

$6,325,595

Up $4,417,361 (+231%) from 2018

Expenses

Up

$2,215,183

Up $356,267 (+19%) from 2018

Net Income

Up

$4,110,412

Up $4,061,094 (+8235%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth92nd 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

2019

Assets$20,211,926
Liabilities$12,233,022
Net Assets$7,978,904
Open 2019 Filing

Operations Trend

Revenue Growth97th 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

2019

Revenue$6,325,595
Expenses$2,215,183
Net Income$4,110,412
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 9, 2020
Return Version
2019v5.0
Gross Receipts
$6,325,595
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$10,179,940$13,059,134▲ $2,879,194
Savings and Temporary Cash Investments$3,568,627$4,371,360▲ $802,733
Pledges and Grants Receivable-$2,330,019-
Cash and Non-Interest-Bearing Accounts$385,550$372,733▼ $12,817
Accounts Receivable$270,049$0▼ $270,049
Land, Buildings, and Equipment, Net-$78,430-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$14,404,166$20,211,926▲ $5,807,760
Other Assets Total-$250-
Liabilities
Unsecured Notes Loans Payable$5,951,245$8,347,468▲ $2,396,223
Mortgage Notes Payable Secured by Investment Property$3,095,298$2,725,405▼ $369,893
Accounts Payable and Accrued Expenses$154,328$622,093▲ $467,765
Deferred Revenue$1,334,803$538,056▼ $796,747
Total Liabilities$10,535,674$12,233,022▲ $1,697,348
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,868,492$7,978,904▲ $4,110,412
Total Net Assets Fund Balance$3,868,492$7,978,904▲ $4,110,412
Total Liabilities and Net Assets / Fund Balance$14,404,166$20,211,926▲ $5,807,760

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$78,430$48,754$127,184
Compensation and Service Providers
Top Officer Pay62nd percentile

Board Members and Trustees

NameTitle
Lee Ann EagerPresident
Dorothy ThomasVice President
Angie IsaakDirector
Brian AngusDirector
Carlos MendozaDirector
Elaine Robles-mcgrawDirector
Elliott BalchDirector
Joe DuranDirector
Kee XiongDirector
Linda HayesDirector
Maiyer VangDirector
Gilbert LaraAlternate
Salam NaliaCEO
Chris WinekSecretary
Catherine RoblesTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$4,798,948
Program Service Revenue
$1,526,647
Investment Income
$0
Other Revenue
$0
All Other Contributions
$4,049,517
Change in Net Assets
$4,110,412

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,325,595
Total Revenue per Audited Statements
$6,325,595
Total Revenue per Form 990
$6,325,595
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,291,270
Salaries, Compensation, and Employee Benefits$923,913
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$744,564--$744,564
Interest$132,742--$132,742
Other Expenses$172,875$115,330-$115,330
Other Employee Benefits$105,142--$105,142
Office Expenses$72,315--$72,315
Occupancy$56,172--$56,172
Payroll Taxes$51,765--$51,765
Travel$41,497--$41,497
Pension Plan Contributions$22,442--$22,442
Insurance$14,440--$14,440
All Other Expenses$9,157--$9,157
Total Functional Expenses$2,099,853$115,330$0$2,215,183

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,215,183
Total Expenses per Audited Statements$2,215,183
Total Expenses per Form 990$2,215,183
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 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
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
J Tate Hill
Title
Executive Director
Signed
2020-11-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
J Tate Hill
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
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/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Vice President
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IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
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IRS990/OccupancyGrp/TotalAmt056172
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IRS990/OfficeExpensesGrp/TotalAmt072315
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IRS990/OtherRevenueTotalAmt00
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IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
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IRS990/PensionPlanContributionsGrp/ProgramServicesAmt022442
IRS990/PensionPlanContributionsGrp/TotalAmt022442
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IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0J TATE HILL
IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt24789
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0234452
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01008567
IRS990/PYProgramServiceRevenueAmt01673782
IRS990/PYRevenuesLessExpensesAmt049318
IRS990/PYSalariesCompEmpBnftPaidAmt0850349
IRS990/PYTotalExpensesAmt01858916
IRS990/PYTotalRevenueAmt01908234
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt04110412
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
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IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
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Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$20,211,926
Liabilities
$12,233,022
Net assets
$7,978,904
Revenue
$6,325,595
Expenses
$2,215,183
Net income
$4,110,412
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