Civic Intelligence

Fresno Community Development Financial Institution

990 • Fiscal year 2021 • EIN 26-1177785

Jan 01, 2021 to Dec 31, 2021 • Filed on Nov 15, 2022

Organization Profilewww.accesspluscapital.com
1920 Mariposa Street 330Fresno, CA 93721

(559) 263-1351

Siviq Scores

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

Liabilities / Assets

75th percentile

0.51x

Higher debt load relative to assets than 75% of similar nonprofits.

2021 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2021

Liabilities / Revenue

85th percentile

1.60x

Higher debt load relative to revenue than 85% of similar nonprofits.

2021 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2021

Net Margin

93rd percentile

71%

Higher net margin than 93% of similar nonprofits.

2021 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2021

Top Officer Pay

47th percentile

$232,217

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

2021 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2021

Asset Growth

92nd percentile

50%

Faster asset growth than 92% of similar nonprofits.

2021 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Revenue Growth

93rd percentile

153%

Faster revenue growth than 93% of similar nonprofits.

2021 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets75th percentile

Assets

Up

$30,883,005

Up $10,352,910 (+50%) from 2020

Net Assets

Up

$15,027,983

Up $5,407,128 (+56%) from 2020

Liabilities

Up

$15,855,022

Up $4,945,782 (+45%) from 2020

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin93rd percentile

Revenue

Up

$9,893,346

Up $5,985,765 (+153%) from 2020

Expenses

Up

$2,894,699

Up $629,069 (+28%) from 2020

Net Income

Up

$6,998,647

Up $5,356,696 (+326%) from 2020

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

2021

Assets$30,883,005
Liabilities$15,855,022
Net Assets$15,027,983
Open 2021 Filing

Operations Trend

Revenue Growth93rd 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

2021

Revenue$9,893,346
Expenses$2,894,699
Net Income$6,998,647
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Nov 15, 2022
Return Version
2021v4.1
Gross Receipts
$9,893,346
Mission and Program Overview

Mission

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

Access plus capital is a certified nonprofit community development financial institution (cdfi) and small business lender with the mission to eliminate economic barriers to financial success through fair and equitable community investment.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$14,665,928$16,412,240▲ $1,746,312
Cash and Non-Interest-Bearing Accounts$505,801$7,511,825▲ $7,006,024
Savings and Temporary Cash Investments$4,445,899$4,575,593▲ $129,694
Accounts Receivable$770,477$2,128,784▲ $1,358,307
Pledges and Grants Receivable$69,608$192,841▲ $123,233
Land, Buildings, and Equipment, Net$69,951$61,472▼ $8,479
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$20,530,095$30,883,005▲ $10,352,910
Other Assets Total$2,431$250▼ $2,181
Liabilities
Unsecured Notes Loans Payable$8,212,468$10,114,732▲ $1,902,264
Mortgage Notes Payable Secured by Investment Property$2,413,855$4,232,189▲ $1,818,334
Deferred Revenue$265,639$878,703▲ $613,064
Accounts Payable and Accrued Expenses$17,278$629,398▲ $612,120
Total Liabilities$10,909,240$15,855,022▲ $4,945,782
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$7,529,336$11,419,030▲ $3,889,694
Net Assets With Donor Restrictions$2,091,519$3,608,953▲ $1,517,434
Total Net Assets Fund Balance$9,620,855$15,027,983▲ $5,407,128
Total Liabilities and Net Assets / Fund Balance$20,530,095$30,883,005▲ $10,352,910

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$61,472$65,712$127,184
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeOtherTotal
Tate HillExecutive DirectorPT$98,845$98,845

Board Members and Trustees

NameTitle
Elliot BalchPresident
Carlos MendozaBoard Member
Catherine RoblesBoard Member
Donald TerryBoard Member
Dorothy ThomasBoard Member
Itzi BorblesBoard Member
James MartinezBoard Member
Kaya HerronBoard Member
Lee Ann EagerBoard Member
Linda HayesBoard Member
Emilia ReyesSecretary
Christopher WinekTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$7,391,254
Program Service Revenue
$1,595,685
Investment Income
$0
Other Revenue
$906,407
All Other Contributions
$6,995,469
Change in Net Assets
$6,998,647

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,893,346
Total Revenue per Audited Statements
$9,893,346
Total Revenue per Form 990
$9,893,346
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,538,804
Salaries, Compensation, and Employee Benefits$1,355,895
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$978,482$130,502-$1,108,984
Interest$275,104--$275,104
Payroll Taxes$217,856$29,055-$246,911
Advertising$87,953--$87,953
Other Expenses$74,994$147,735-$74,994
All Other Expenses$65,633--$65,633
Travel$54,057$9,126-$63,183
Office Expenses$43,307$7,312-$50,619
Occupancy$20,954$3,538-$24,492
Depreciation Depletion-$8,479-$8,479
Insurance$6,379$1,077-$7,456
Total Functional Expenses$2,509,999$384,700$0$2,894,699

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,894,699
Total Expenses per Audited Statements$2,894,699
Total Expenses per Form 990$2,894,699
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
Audit committee
No
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
No
Audited financial statements prepared
No
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 18: Explanation of Other Means Forms Available For Public Inspection

“Documents are available upon request.”

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

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Fresno Community Development Financial
EIN
26-1177785
Phone
5592631351
Address
1920 Mariposa Street 330, Fresno, CA 93721

Signing Officer

Name
Tate Hill
Title
Executive Director
Signed
2022-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tate Hill
Formed
2008
Legal Domicile
CA
Voting Board Members
14
Independent Board Members
14
Employees
0

Preparer

Firm
Hudson Henderson & Company Inc
Address
7473 N Ingram Suite 102, Fresno, CA 93711
Preparer
Brian Henderson
Phone
5594127576
Supplemental Narrative

Financial Statement Notes

Part X : FIN48 Footnote

“The Organization is a tax-exempt organization under Section 501(c)(3) of the Internal Revenue Code and Section 23701(d) of the State of California Corporate Code. The Organization is subject to taxation on any unrelated business income. Accounting principles generally accepted in the United States of America require the Organization's management to evaluate tax positions taken by the Organization and recognize a tax liability (or asset) if the Organization has taken an uncertain position that more likely than not would be sustained upon examination by the Internal Revenue Service. There were no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements in the current year.”

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IRS990/MissionDesc0ACCESS PLUS CAPITAL IS A CERTIFIED NONPROFIT COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) AND SMALL BUSINESS LENDER WITH THE MISSION TO ELIMINATE ECONOMIC BARRIERS TO FINANCIAL SUCCESS THROUGH FAIR AND EQUITABLE COMMUNITY INVESTMENT.
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IRS990/OccupancyGrp/ManagementAndGeneralAmt03538
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IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt07312
IRS990/OfficeExpensesGrp/ProgramServicesAmt043307
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0CONTRACT SERVICES
IRS990/OtherExpensesGrp/Desc1OTHER PROGRAM EXPENSES
IRS990/OtherExpensesGrp/Desc2Admin Services
IRS990/OtherExpensesGrp/Desc3Equipment Cost
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03792
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt144084
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2147735
IRS990/OtherExpensesGrp/ProgramServicesAmt0424165
IRS990/OtherExpensesGrp/ProgramServicesAmt1261115
IRS990/OtherExpensesGrp/ProgramServicesAmt274994
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IRS990/OtherExpensesGrp/TotalAmt1305199
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IRS990/OtherExpensesGrp/TotalAmt374994
IRS990/OtherInd0X
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt014665928
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt016412240
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt029055
IRS990/PayrollTaxesGrp/ProgramServicesAmt0217856
IRS990/PayrollTaxesGrp/TotalAmt0246911
IRS990/PensionPlanContributionsGrp/TotalAmt00
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IRS990/PoliticalCampaignActyInd0false
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IRS990/PrincipalOfficerNm0Tate Hill
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11334203
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IRS990/PYExcessBenefitTransInd0false
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IRS990/PYOtherExpensesAmt01296376
IRS990/PYOtherRevenueAmt02941
IRS990/PYProgramServiceRevenueAmt01217552
IRS990/PYRevenuesLessExpensesAmt01641951
IRS990/PYSalariesCompEmpBnftPaidAmt0969254
IRS990/PYTotalExpensesAmt02265630
IRS990/PYTotalRevenueAmt03907581
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt06998647
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt02502092
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04445899
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IRS990ScheduleA/OtherIncome509Grp/TotalAmt0909348
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IRS990ScheduleA/Total509Grp/TotalAmt022833487
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IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt065712
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0127184
IRS990ScheduleD/RevenueSubtotalAmt09893346
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The Organization is a tax-exempt organization under Section 501(c)(3) of the Internal Revenue Code and Section 23701(d) of the State of California Corporate Code. The Organization is subject to taxation on any unrelated business income. Accounting principles generally accepted in the United States of America require the Organization's management to evaluate tax positions taken by the Organization and recognize a tax liability (or asset) if the Organization has taken an uncertain position that more likely than not would be sustained upon examination by the Internal Revenue Service. There were no uncertain positions taken or expected to be taken that would require recognition of a liability (or asset) or disclosure in the financial statements in the current year.

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$30,883,005
Liabilities
$15,855,022
Net assets
$15,027,983
Revenue
$9,893,346
Expenses
$2,894,699
Net income
$6,998,647
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