Civic Intelligence

Economic Development and Financing Corporation Inc

990 • Fiscal year 2019 • EIN 68-0346089

Jul 01, 2018 to Jun 30, 2019 • Filed on Jan 24, 2020

Organization Profilewww.edfc.org
208 S Oak St Ste BUkiah, CA 95482

(707) 234-5705

Siviq Scores

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

Liabilities / Assets

88th percentile

0.74x

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

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

94th percentile

3.30x

Higher debt load relative to revenue than 94% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Net Margin

92nd percentile

54%

Higher net margin than 92% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2019

Asset Growth

66th percentile

9.3%

Faster asset growth than 66% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

75th percentile

21%

Faster revenue growth than 75% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$3,205,540

Up $271,750 (+9.3%) from 2018

Net Assets

Up

$828,622

Up $386,115 (+87%) from 2018

Liabilities

Down

$2,376,918

Down $114,365 (-4.6%) from 2018

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin92nd percentile

Revenue

Up

$720,917

Up $124,051 (+21%) from 2018

Expenses

Up

$334,802

Up $14,738 (+4.6%) from 2018

Net Income

Up

$386,115

Up $109,313 (+39%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth66th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2012: $2,005,315Liabilities 2012: $1,707,636Net Assets 2012: $297,6792012Assets 2013: $2,010,986Liabilities 2013: $1,686,261Net Assets 2013: $324,7252013Assets 2014: $2,008,343Liabilities 2014: $1,686,756Net Assets 2014: $321,5872014Assets 2015: $2,026,772Liabilities 2015: $1,711,838Net Assets 2015: $314,9342015Assets 2016: $2,715,087Liabilities 2016: $2,362,218Net Assets 2016: $352,8692016Assets 2017: $2,624,065Liabilities 2017: $2,322,655Net Assets 2017: $301,4102017Assets 2018: $2,933,790Liabilities 2018: $2,491,283Net Assets 2018: $442,5072018Assets 2019: $3,205,540Liabilities 2019: $2,376,918Net Assets 2019: $828,6222019Assets 2020: $3,587,495Liabilities 2020: $2,330,667Net Assets 2020: $1,256,8282020Assets 2021: $4,369,532Liabilities 2021: $2,249,581Net Assets 2021: $2,119,9512021Assets 2022: $6,289,075Liabilities 2022: $2,446,609Net Assets 2022: $3,842,4662022Assets 2023: $6,246,618Liabilities 2023: $1,786,583Net Assets 2023: $4,460,0352023Assets 2024: $6,403,930Liabilities 2024: $1,867,678Net Assets 2024: $4,536,2522024

Highlighted filing

2019

Assets$3,205,540
Liabilities$2,376,918
Net Assets$828,622
Open 2019 Filing

Operations Trend

Revenue Growth75th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2012: $254,365Expenses 2012: $227,753Net Income 2012: $26,6122012Revenue 2013: $226,167Expenses 2013: $199,121Net Income 2013: $27,0462013Revenue 2014: $136,883Expenses 2014: $140,021Net Income 2014: -$3,1382014Revenue 2015: $158,983Expenses 2015: $165,636Net Income 2015: -$6,6532015Revenue 2016: $213,553Expenses 2016: $175,618Net Income 2016: $37,9352016Revenue 2017: $292,623Expenses 2017: $293,255Net Income 2017: -$6322017Revenue 2018: $596,866Expenses 2018: $320,064Net Income 2018: $276,8022018Revenue 2019: $720,917Expenses 2019: $334,802Net Income 2019: $386,1152019Revenue 2020: $830,302Expenses 2020: $402,096Net Income 2020: $428,2062020Revenue 2021: $1,287,962Expenses 2021: $424,839Net Income 2021: $863,1232021Revenue 2022: $2,194,302Expenses 2022: $471,787Net Income 2022: $1,722,5152022Revenue 2023: $1,087,868Expenses 2023: $470,019Net Income 2023: $617,8492023Revenue 2024: $397,935Expenses 2024: $321,718Net Income 2024: $76,2172024

Highlighted filing

2019

Revenue$720,917
Expenses$334,802
Net Income$386,115
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2018 to Jun 30, 2019
Signed
Jan 24, 2020
Return Version
2018v3.1
Gross Receipts
$720,917
Mission and Program Overview

Mission

Connecting money and ideas with entrepeneurs to create sustainable prosperity in Mendocino County and Lake County.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$1,431,620$1,856,027▲ $424,407
Other Notes and Loans Receivable, Net$1,480,210$1,308,621▼ $171,589
Accounts Receivable$21,360$40,242▲ $18,882
Savings and Temporary Cash Investments-$0-
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$2,933,790$3,205,540▲ $271,750
Other Assets Total$600$650▲ $50
Liabilities
Mortgage Notes Payable Secured by Investment Property$2,441,546$2,333,894▼ $107,652
Accounts Payable and Accrued Expenses$49,737$43,024▼ $6,713
Total Liabilities$2,491,283$2,376,918▼ $114,365
Net Assets / Fund Balance
Temporarily Rstr Net Assets$328,300$688,929▲ $360,629
Unrestricted Net Assets$114,207$139,693▲ $25,486
Total Net Assets Fund Balance$442,507$828,622▲ $386,115
Total Liabilities and Net Assets / Fund Balance$2,933,790$3,205,540▲ $271,750
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Heather GurewitzExecutive DirectorFT$60,000$60,000

Board Members and Trustees

NameTitle
John GoldsmithChairman
Jesse Burnett IIVice Chair
Aaron ObenyahDirector
Anna DobbinsDirector
Barbara BurkeyDirector
Barbara FishelsonDirector
Jeremy LoganDirector
John HaschakDirector
John McCowenDirector
Kyala SheaDirector
Madge StrongDirector
Michael DerryDirector
Minerva FloresDirector
Robert HartlineDirector
Sattie ClarkDirector
Scott PerkinsDirector
Ted WilliamsDirector
Patty BruderSecretary
Teri UllrichTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$608,761
Program Service Revenue
$107,168
Investment Income
$0
Other Revenue
$4,988
All Other Contributions
$608,761
Change in Net Assets
$386,115

Audited Revenue Reconciliation

Revenue per Audited Statements
$720,917
Total Revenue per Audited Statements
$720,917
Total Revenue per Form 990
$720,917
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$195,651
Salaries, Compensation, and Employee Benefits$139,151
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees-$60,000-$60,000
Other Salaries and Wages-$57,364-$57,364
Interest$34,603--$34,603
Fees for Services Other-$32,230-$32,230
Occupancy-$15,283-$15,283
Other Employee Benefits-$11,979-$11,979
Payroll Taxes-$9,808-$9,808
All Other Expenses-$7,529-$7,529
Insurance-$4,506-$4,506
Other Expenses$4,486$9,596-$4,486
Advertising-$2,804-$2,804
Total Functional Expenses$123,703$211,099$0$334,802

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$334,802
Total Expenses per Audited Statements$334,802
Total Expenses per Form 990$334,802
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
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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, Line 11B: Form 990 Review Process

“The Form 990 is reviewed by staff and then approved by the board of directors to approve prior to filing”

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

“The organization regularly monitors and enforces the conflict of interest policy and discusses it at the Executive Committee level.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The Executive Committee reviews and approves Executive Director's salary”

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

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Economic Development and Financing
EIN
68-0346089
Phone
7072345705
Address
208 S Oak St Ste B, Ukiah, CA 95482

Signing Officer

Name
John Goldsmith
Title
Chairman
Signed
2020-01-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Goldsmith
Formed
1995
Legal Domicile
CA
Voting Board Members
20
Independent Board Members
20
Employees
2

Preparer

Firm
Jensen Smith Certified Public Accountants Inc
Address
661 5th St Ste 101 PO Box 160, Lincoln, CA 95648
Preparer
Jennifer M Jensen CPA
Phone
9164341662
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990PartVIISectionAGrp/TitleTxt15Director
IRS990/Form990PartVIISectionAGrp/TitleTxt16Director
IRS990/Form990PartVIISectionAGrp/TitleTxt17Director
IRS990/Form990PartVIISectionAGrp/TitleTxt18Director
IRS990/Form990PartVIISectionAGrp/TitleTxt19Executive Dir.
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IRS990/InterestGrp/ProgramServicesAmt034603
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IRS990/IRPDocumentCnt02
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IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Connecting money and ideas with entrepeneurs to create sustainable prosperity in Mendocino County and Lake County.
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IRS990/NetAssetsOrFundBalancesEOYAmt0828622
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/OccupancyGrp/TotalAmt015283
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IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
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IRS990/OtherAssetsTotalGrp/EOYAmt0650
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt011979
IRS990/OtherEmployeeBenefitsGrp/TotalAmt011979
IRS990/OtherExpensesGrp/Desc0Bad Debt and Allowance
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IRS990/OtherExpensesGrp/Desc2Technical Assistance
IRS990/OtherExpensesGrp/Desc3Loan Packaging
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt09596
IRS990/OtherExpensesGrp/ProgramServicesAmt079252
IRS990/OtherExpensesGrp/ProgramServicesAmt15362
IRS990/OtherExpensesGrp/ProgramServicesAmt24486
IRS990/OtherExpensesGrp/TotalAmt079252
IRS990/OtherExpensesGrp/TotalAmt19596
IRS990/OtherExpensesGrp/TotalAmt25362
IRS990/OtherExpensesGrp/TotalAmt34486
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IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt09808
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IRS990/PrincipalOfficerNm0John Goldsmith
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IRS990/PYOtherRevenueAmt04030
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IRS990/PYTotalRevenueAmt0596866
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt077996
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IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$3,205,540
Liabilities
$2,376,918
Net assets
$828,622
Revenue
$720,917
Expenses
$334,802
Net income
$386,115
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.40$1.87$4.54$0.40$0.32$0.08
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.25$1.79$4.46$1.09$0.47$0.62
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.29$2.45$3.84$2.19$0.47$1.72
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.37$2.25$2.12$1.29$0.42$0.86
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.59$2.33$1.26$0.83$0.40$0.43
2019Detailed filing. Detailed filing data is available for this year.$3.21$2.38$0.83$0.72$0.33$0.39
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.93$2.49$0.44$0.60$0.32$0.28
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.62$2.32$0.30$0.29$0.29$0.00
2016Detailed filing. Detailed filing data is available for this year.$2.72$2.36$0.35$0.21$0.18$0.04
2015Detailed filing. Detailed filing data is available for this year.$2.03$1.71$0.31$0.16$0.17$0.01
2014Summary only. Only limited summary data is available for this year.$2.01$1.69$0.32$0.14$0.14$0.00
2013Summary only. Only limited summary data is available for this year.$2.01$1.69$0.32$0.23$0.20$0.03
2012Summary only. Only limited summary data is available for this year.$2.01$1.71$0.30$0.25$0.23$0.03