Civic Intelligence

Fresno Community Development Financial Institution

990 • Fiscal year 2022 • EIN 26-1177785

Jan 01, 2022 to Dec 31, 2022 • Filed on Oct 17, 2023

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

(559) 552-4200

Siviq Scores

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

Liabilities / Assets

76th percentile

0.54x

Higher debt load relative to assets than 76% of similar nonprofits.

2022 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2022

Liabilities / Revenue

93rd percentile

4.56x

Higher debt load relative to revenue than 93% of similar nonprofits.

2022 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2022

Net Margin

10th percentile

-22%

Higher net margin than 10% of similar nonprofits.

2022 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2022

Top Officer Pay

19th percentile

$139,707

Higher top officer pay than 19% of similar nonprofits.

Top officer pay equals 3.8% of source-year revenue.

2022 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2022

Asset Growth

49th percentile

0.0%

Faster asset growth than 49% of similar nonprofits.

2022 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Revenue Growth

4th percentile

-63%

Faster revenue growth than 4% of similar nonprofits.

2022 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$30,893,281

Up $10,276 (+0.0%) from 2021

Net Assets

Down

$14,234,394

Down $793,589 (-5.3%) from 2021

Liabilities

Up

$16,658,887

Up $803,865 (+5.1%) from 2021

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin10th percentile

Revenue

Down

$3,653,075

Down $6,240,271 (-63%) from 2021

Expenses

Up

$4,446,664

Up $1,551,965 (+54%) from 2021

Net Income

Down

-$793,589

Down $7,792,236 (-111%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth49th 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

2022

Assets$30,893,281
Liabilities$16,658,887
Net Assets$14,234,394
Open 2022 Filing

Operations Trend

Revenue Growth4th 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

2022

Revenue$3,653,075
Expenses$4,446,664
Net Income-$793,589
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Oct 17, 2023
Return Version
2022v5.0
Gross Receipts
$3,653,075
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$16,412,240$16,953,260▲ $541,020
Cash and Non-Interest-Bearing Accounts$7,511,825$7,846,128▲ $334,303
Savings and Temporary Cash Investments$4,575,593$5,391,546▲ $815,953
Accounts Receivable$2,128,784$445,998▼ $1,682,786
Pledges and Grants Receivable$192,841$167,242▼ $25,599
Land, Buildings, and Equipment, Net$61,472$52,993▼ $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$30,883,005$30,893,281▲ $10,276
Other Assets Total$250$36,114▲ $35,864
Liabilities
Unsecured Notes Loans Payable$10,114,732$11,596,821▲ $1,482,089
Mortgage Notes Payable Secured by Investment Property$4,232,189$4,570,027▲ $337,838
Deferred Revenue$878,703$265,639▼ $613,064
Accounts Payable and Accrued Expenses$629,398$189,409▼ $439,989
Other Liabilities-$36,991-
Total Liabilities$15,855,022$16,658,887▲ $803,865
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$11,419,030$13,599,394▲ $2,180,364
Net Assets With Donor Restrictions$3,608,953$635,000▼ $2,973,953
Total Net Assets Fund Balance$15,027,983$14,234,394▼ $793,589
Total Liabilities and Net Assets / Fund Balance$30,883,005$30,893,281▲ $10,276

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$52,993$74,191$127,184
Compensation and Service Providers
Top Officer Pay19th percentile

Employees

NameTitleFull / Part TimeOtherTotal
Tate HillPresidentPT$139,707$139,707

Board Members and Trustees

NameTitle
Elliot BalchChairman
Carlos MendozaBoard Member
Debra BradleyBoard Member
Emogene NelsonBoard Member
Itzi BorblesBoard Member
James MartinezBoard Member
Kaya HerronBoard Member
Linda HayesBoard Member
Rupal PatelBoard Member
Tom VanderheidenBoard Member
Donald TerryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$2,268,341
Program Service Revenue
$1,376,823
Investment Income
$0
Other Revenue
$7,911
All Other Contributions
$2,181,096
Change in Net Assets
$-793,589

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,653,075
Total Revenue per Audited Statements
$3,653,075
Total Revenue per Form 990
$3,653,075
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,605,611
Salaries, Compensation, and Employee Benefits$1,841,053
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,290,243$196,212-$1,486,455
Payroll Taxes$307,791$46,807-$354,598
Interest$352,887--$352,887
Travel$106,318$16,800-$123,118
Other Expenses$101,712$191,793-$101,712
Advertising$95,325--$95,325
All Other Expenses$94,180--$94,180
Office Expenses$61,851$12,589-$74,440
Occupancy$30,281$11,229-$41,510
Depreciation Depletion-$8,479-$8,479
Insurance$2,841$580-$3,421
Total Functional Expenses$3,898,962$547,702$0$4,446,664

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,446,664
Total Expenses per Audited Statements$4,446,664
Total Expenses per Form 990$4,446,664
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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Liability$36,991
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, Section B, Line 11B

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

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

“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, Section B, Line 15B

“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, Section C, Line 18

“Documents are available upon request.”

Form 990, Part VI, Section C, Line 19

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Fresno Community Development Financial
EIN
26-1177785
Phone
5595524200
Address
1920 Mariposa Street 330, Fresno, CA 93721

Signing Officer

Name
Tate Hill
Title
President
Signed
2023-10-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tate Hill
Formed
2008
Legal Domicile
CA
Voting Board Members
11
Independent Board Members
11
Employees
0

Preparer

Firm
Henderson CPAs
Address
7086 N Maple Ave Ste 104, Fresno, CA 93720
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/OfficeExpensesGrp/ProgramServicesAmt061851
IRS990/OfficeExpensesGrp/TotalAmt074440
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IRS990/OtherAssetsTotalGrp/EOYAmt036114
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0OTHER PROGRAM EXPENSES
IRS990/OtherExpensesGrp/Desc1CONTRACT SERVICES
IRS990/OtherExpensesGrp/Desc2Admin Services
IRS990/OtherExpensesGrp/Desc3Provision for loan losses
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt046322
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt116891
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2191793
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IRS990/OtherExpensesGrp/ProgramServicesAmt1481598
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IRS990/OtherExpensesGrp/TotalAmt1498489
IRS990/OtherExpensesGrp/TotalAmt2191793
IRS990/OtherExpensesGrp/TotalAmt3101712
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IRS990/OtherRevenueMiscGrp/BusinessCd0522291
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IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0196212
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt016412240
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt016953260
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt046807
IRS990/PayrollTaxesGrp/ProgramServicesAmt0307791
IRS990/PayrollTaxesGrp/TotalAmt0354598
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0192841
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0167242
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Tate Hill
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/Desc0Fee for services
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11172129
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0204694
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11172129
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt07391254
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01538804
IRS990/PYOtherRevenueAmt0906407
IRS990/PYProgramServiceRevenueAmt01595685
IRS990/PYRevenuesLessExpensesAmt06998647
IRS990/PYSalariesCompEmpBnftPaidAmt01355895
IRS990/PYTotalExpensesAmt02894699
IRS990/PYTotalRevenueAmt09893346
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-793589
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt01384734
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04575593
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05391546
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt02687088
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt04798948
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0234452
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IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
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IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt01595685
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt01217552
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt01526647
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt01673782
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt07390489
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
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IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus2YearsAmt02941
IRS990ScheduleA/OtherIncome509Grp/TotalAmt0917259
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
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IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt025687831
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IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0127184
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt036991
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0LEASE LIABILITY
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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.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
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IRS990ScheduleD/TotalExpensesPerForm990Amt04446664
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IRS990ScheduleD/TotalRevenuePerForm990Amt03653075
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03653075

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$30,893,281
Liabilities
$16,658,887
Net assets
$14,234,394
Revenue
$3,653,075
Expenses
$4,446,664
Net income
-$793,589
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