Civic Intelligence

Business and Community Lenders of Texas

990 • Fiscal year 2014 • EIN 74-2581297

Jul 01, 2013 to Jun 30, 2014 • Filed on Jan 30, 2015

Organization ProfileWWW.BCLOFTEXAS.ORG
2212 S Congress78704

(512) 912-9884

Siviq Scores

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

Liabilities / Assets

69th percentile

0.48x

Higher debt load relative to assets than 69% of similar nonprofits.

2014 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

88th percentile

2.21x

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

2014 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2014

Net Margin

88th percentile

39%

Higher net margin than 88% of similar nonprofits.

2014 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

28th percentile

$114,870

Higher top officer pay than 28% of similar nonprofits.

Top officer pay equals 3.9% of source-year revenue.

2014 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2014

Asset Growth

68th percentile

8.7%

Faster asset growth than 68% of similar nonprofits.

2014 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

16th percentile

-11%

Faster revenue growth than 16% of similar nonprofits.

2014 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2012 to 2014

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$13,827,036

Up $1,104,847 (+8.7%) from 2013

Net Assets

Up

$7,231,392

Up $1,612,009 (+29%) from 2013

Liabilities

Down

$6,595,644

Down $507,162 (-7.1%) from 2013

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin88th percentile

Revenue

$2,981,512

No earlier filing loaded for comparison.

Expenses

Up

$1,805,198

Up $373,675 (+26%) from 2013

Net Income

$1,176,314

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth68th percentile

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

$40M$30M$20M$10M$0Assets 2011: $10,072,587Liabilities 2011: $5,566,791Net Assets 2011: $4,505,7962011Assets 2012: $11,805,900Liabilities 2012: $6,654,366Net Assets 2012: $5,151,5342012Assets 2013: $12,722,189Liabilities 2013: $7,102,806Net Assets 2013: $5,619,3832013Assets 2014: $13,827,036Liabilities 2014: $6,595,644Net Assets 2014: $7,231,3922014Assets 2015: $14,472,427Liabilities 2015: $5,387,108Net Assets 2015: $9,085,3192015Assets 2016: $17,067,351Liabilities 2016: $6,792,787Net Assets 2016: $10,274,5642016Assets 2017: $16,916,585Liabilities 2017: $7,715,802Net Assets 2017: $9,200,7832017Assets 2018: $17,546,679Liabilities 2018: $7,470,503Net Assets 2018: $10,076,1762018Assets 2019: $19,027,522Liabilities 2019: $10,191,636Net Assets 2019: $8,835,8862019Assets 2020: $22,684,732Liabilities 2020: $10,691,484Net Assets 2020: $11,993,2482020Assets 2021: $29,670,542Liabilities 2021: $17,155,360Net Assets 2021: $12,515,1822021Assets 2022: $31,238,408Liabilities 2022: $15,532,923Net Assets 2022: $15,705,4852022Assets 2023: $28,558,255Liabilities 2023: $13,485,451Net Assets 2023: $15,072,8042023Assets 2024: $26,883,300Liabilities 2024: $12,690,759Net Assets 2024: $14,192,5412024Assets 2025: $24,120,283Liabilities 2025: $11,770,003Net Assets 2025: $12,350,2802025

Highlighted filing

2014

Assets$13,827,036
Liabilities$6,595,644
Net Assets$7,231,392
Open 2014 Filing

Operations Trend

Revenue Growth16th percentile

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

$10M$5.0M$0-$5.0MExpenses 2011: $1,658,2072011Revenue 2012: $3,749,329Expenses 2012: $3,103,591Net Income 2012: $645,7382012Expenses 2013: $1,431,5232013Revenue 2014: $2,981,512Expenses 2014: $1,805,198Net Income 2014: $1,176,3142014Revenue 2015: $4,427,851Expenses 2015: $2,573,924Net Income 2015: $1,853,9272015Revenue 2016: $6,036,259Expenses 2016: $4,847,014Net Income 2016: $1,189,2452016Revenue 2017: $2,910,017Expenses 2017: $3,983,798Net Income 2017: -$1,073,7812017Revenue 2018: $5,334,926Expenses 2018: $4,459,533Net Income 2018: $875,3932018Revenue 2019: $3,349,352Expenses 2019: $4,589,642Net Income 2019: -$1,240,2902019Revenue 2020: $7,633,917Expenses 2020: $4,476,555Net Income 2020: $3,157,3622020Revenue 2021: $4,080,568Expenses 2021: $3,558,634Net Income 2021: $521,9342021Revenue 2022: $6,954,395Expenses 2022: $3,764,092Net Income 2022: $3,190,3032022Revenue 2023: $3,744,979Expenses 2023: $4,096,470Net Income 2023: -$351,4912023Revenue 2024: $3,088,394Expenses 2024: $3,968,657Net Income 2024: -$880,2632024Revenue 2025: $2,686,570Expenses 2025: $4,528,831Net Income 2025: -$1,842,2612025

Highlighted filing

2014

Revenue$2,981,512
Expenses$1,805,198
Net Income$1,176,314
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2013 to Jun 30, 2014
Signed
Jan 30, 2015
Return Version
2013v4.0
Gross Receipts
$2,981,512
Mission and Program Overview

Mission

To further the economic development of texas by promoting and assisting in the growth and development of small business concerns and to assist in the development of affordable housing for low and moderate income families.

To assist and promote the growth and development of small businesses in texas and to facilitate housing initiatives.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$5,550,179$5,022,041▼ $528,138
Savings and Temporary Cash Investments$1,715,507$3,073,354▲ $1,357,847
Cash and Non-Interest-Bearing Accounts$2,430,800$1,433,696▼ $997,104
Investments Program Related-$1,380,358-
Land, Buildings, and Equipment, Net$73,916$130,142▲ $56,226
Accounts Receivable$241,721$110,623▼ $131,098
Investments Other Securities$100,000$100,000→ $0
Prepaid Expenses and Deferred Charges$16,472$47,203▲ $30,731
Intangible Assets$8,479$7,104▼ $1,375
Total Assets$12,722,189$13,827,036▲ $1,104,847
Other Assets Total$2,585,115$2,522,515▼ $62,600
Liabilities
Mortgage Notes Payable Secured by Investment Property$6,089,551$4,492,618▼ $1,596,933
Deferred Revenue-$1,361,174-
Unsecured Notes Loans Payable$500,000$500,000→ $0
Other Liabilities$431,715$207,168▼ $224,547
Accounts Payable and Accrued Expenses$81,540$34,684▼ $46,856
Total Liabilities$7,102,806$6,595,644▼ $507,162
Net Assets / Fund Balance
Unrestricted Net Assets$4,392,142$5,748,192▲ $1,356,050
Permanently Rstr Net Assets$1,163,319$1,174,481▲ $11,162
Temporarily Rstr Net Assets$63,922$308,719▲ $244,797
Total Net Assets Fund Balance$5,619,383$7,231,392▲ $1,612,009
Total Liabilities and Net Assets / Fund Balance$12,722,189$13,827,036▲ $1,104,847

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$75,486$14,699$90,185
Other Land Buildings$49,467-$49,467
Equipment$5,189$1,624$6,813
Investment Program Related Org$1,380,358--
Other Assets Org$1,830,779--
Compensation and Service Providers
Top Officer Pay28th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rosa Rios-valdezExecutive DirecFT$110,206$4,664$114,870

Board Members and Trustees

NameTitle
Andres Garza JrPresident
Liz AllenVice President
David BrennanDirector
Jose TrevinoDirector
Murphy CheathamDirector
William SutherlandDirector
David SalinasSecretary
Billie JonesTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$2,022,511
Program Service Revenue
$955,423
Investment Income
$3,578
Other Revenue
$0
All Other Contributions
$1,922,191
Change in Net Assets
$1,176,314
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,228,798
Salaries, Compensation, and Employee Benefits$576,400
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$318,691$62,975$0$381,666
Occupancy$189,011$37,350$0$226,361
Interest$204,924$0$0$204,924
Current Officers, Directors, Trustees, and Key Employees$95,916$18,954$0$114,870
Fees for Services Accounting$0$94,837$0$94,837
Fees for Services Other$64,423$0$0$64,423
Office Expenses$44,746$8,842$0$53,588
All Other Expenses$39,786$8,277$0$48,063
Travel$34,490$6,815$0$41,305
Other Employee Benefits$32,661$6,454$0$39,115
Payroll Taxes$31,602$6,245$0$37,847
Insurance$24,144$4,771$0$28,915
Other Expenses$23,806$0$0$23,806
Advertising$11,393$0$0$11,393
Depreciation Depletion$0$4,843$0$4,843
Information Technology$2,860$565$0$3,425
Fees for Services Legal$3,314$0$0$3,314
Pension Plan Contributions$2,423$479$0$2,902
Total Functional Expenses$1,518,596$286,602$0$1,805,198
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Payable to City Participants$201,623
Payable to Grand Central$5,545
Deposits & Escrow Liabilities-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

EIN
74-2581297
Phone
5129129884

Signing Officer

Name
Rosa Rios-valdez
Title
Executive Director
Phone
5129129884
Signed
2015-01-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rosa Rios-valdez
Formed
1990
Legal Domicile
TX
Voting Board Members
8
Independent Board Members
8
Employees
20
Volunteers
0

Preparer

Preparer
Bob West CPA
Phone
5038286650
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“The return is reviewed by the executive director for accuracy.”

Pt VI, Line 11B

“Members of the board are provided a copy of the form 990”

Pt VI, Line 11B

“To review prior to filing.”

Pt VI, Line 12C

“The conflict of interest policy applies to all members and officers”

Pt VI, Line 12C

“Of the board of directors as well as key management employees.”

Pt VI, Line 12C

“When a conflict of interest arises it is brought to the”

Pt VI, Line 12C

“Attention of the executive director who brings it to attention”

Pt VI, Line 12C

“Of the board of directors. The board president in consultation with”

Pt VI, Line 12C

“Appropriate board members and key management will determine”

Pt VI, Line 12C

“If a conflict exists and determine appropriate actions on a case”

Pt VI, Line 12C

“By case basis for an individual with a conflict of interest.”

Pt VI, Line 15A

“The executive director's compensation is reviewed and approved”

Pt VI, Line 15A

“By the board of directors.”

Pt VI, Line 15B

“Other officers and key employees compensation follows”

Pt VI, Line 15B

“A pay scale. Pay raises and starting pay for other”

Pt VI, Line 15B

“Officers and key employees are approved by the”

Pt VI, Line 15B

“EXECUTIVE DIRECTOR.”

Pt VI, Line 19

“Governing documents, policies, and financial statements are made”

Pt VI, Line 19

“Available to the public upon request from management.”

Raw XML AppendixShowing 400 of 579 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt081540
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt034684
IRS990/AccountsReceivableGrp/BOYAmt0241721
IRS990/AccountsReceivableGrp/EOYAmt0110623
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO ASSIST AND PROMOTE THE GROWTH AND DEVELOPMENT OF SMALL BUSINESSES IN TEXAS AND TO FACILITATE HOUSING INITIATIVES.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt011393
IRS990/AdvertisingGrp/TotalAmt011393
IRS990/AllOtherContributionsAmt01922191
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt08277
IRS990/AllOtherExpensesGrp/ProgramServicesAmt039786
IRS990/AllOtherExpensesGrp/TotalAmt048063
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0false
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0ROSA RIOS-VALDEZ
IRS990/BooksInCareOfDetail/PhoneNum05129129884
IRS990/BooksInCareOfDetail/USAddress/AddressLine102212 S CONGRESS
IRS990/BooksInCareOfDetail/USAddress/City0AUSTIN
IRS990/BooksInCareOfDetail/USAddress/State0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCode078704
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt02430800
IRS990/CashNonInterestBearingGrp/EOYAmt01433696
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt018954
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt095916
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0114870
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0true
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt02022511
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt03578
IRS990/CYOtherExpensesAmt01228798
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0955423
IRS990/CYRevenuesLessExpensesAmt01176314
IRS990/CYSalariesCompEmpBnftPaidAmt0576400
IRS990/CYTotalExpensesAmt01805198
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02981512
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DeferredRevenueGrp/EOYAmt01361174
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt04843
IRS990/DepreciationDepletionGrp/ProgramServicesAmt00
IRS990/DepreciationDepletionGrp/TotalAmt04843
IRS990/Desc0BUSINESS LENDING - THE ORGANIZATION PROCESSES AND SERVICES SBA GUARANTEED LOANS FOR SMALL BUSINESSES THAT DO NOT QUAUFY FOR CONVENTIONAL FINANCING. LOANS ARE MADE TO SMALL BUSINESSES FROM GRANT FUNDS AND CONTRIBUTIONS FROM VARIOUS BUSINESSES AND LOCAL GOVERNMENTS AS WELL AS INTEREST EARNINGS AND PRINCIPAL RETURNED TO THE LOAN FUND POOL. DURING FISCAL YEAR 2014, THE ORGANIZATION DISBURSED OVER $2,300,000 IN LOANS.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt020
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt01023246
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditPerformedInd0true
IRS990/FederalGrantAuditRequiredInd0true
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt094837
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt00
IRS990/FeesForServicesAccountingGrp/TotalAmt094837
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt03314
IRS990/FeesForServicesLegalGrp/TotalAmt03314
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt064423
IRS990/FeesForServicesOtherGrp/TotalAmt064423
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt03.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt84664
IRS990/Form990PartVIISectionAGrp/PersonNm0ANDRES GARZA JR
IRS990/Form990PartVIISectionAGrp/PersonNm1LIZ ALLEN
IRS990/Form990PartVIISectionAGrp/PersonNm2BILLIE JONES
IRS990/Form990PartVIISectionAGrp/PersonNm3DAVID SALINAS
IRS990/Form990PartVIISectionAGrp/PersonNm4WILLIAM SUTHERLAND
IRS990/Form990PartVIISectionAGrp/PersonNm5JOSE TREVINO
IRS990/Form990PartVIISectionAGrp/PersonNm6DAVID BRENNAN
IRS990/Form990PartVIISectionAGrp/PersonNm7MURPHY CHEATHAM
IRS990/Form990PartVIISectionAGrp/PersonNm8ROSA RIOS-VALDEZ
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8110206
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8EXECUTIVE DIREC
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01990
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt03578
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GovernmentGrantsAmt0100320
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt03578
IRS990/GrossReceiptsAmt02981512
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt0565
IRS990/InformationTechnologyGrp/ProgramServicesAmt02860
IRS990/InformationTechnologyGrp/TotalAmt03425
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt04771
IRS990/InsuranceGrp/ProgramServicesAmt024144
IRS990/InsuranceGrp/TotalAmt028915
IRS990/IntangibleAssetsGrp/BOYAmt08479
IRS990/IntangibleAssetsGrp/EOYAmt07104
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt0204924
IRS990/InterestGrp/TotalAmt0204924
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0100000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0100000
IRS990/InvestmentsProgramRelatedGrp/EOYAmt01380358
IRS990/IRPDocumentCnt015
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt016323
IRS990/LandBldgEquipBasisNetGrp/BOYAmt073916
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0130142
IRS990/LandBldgEquipCostOrOtherBssAmt0146465
IRS990/LegalDomicileStateCd0TX
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO FURTHER THE ECONOMIC DEVELOPMENT OF TEXAS BY PROMOTING AND ASSISTING
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt06089551
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt04492618
IRS990/NetAssetsOrFundBalancesBOYAmt05619383
IRS990/NetAssetsOrFundBalancesEOYAmt07231392
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt03578
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt03578
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt037350
IRS990/OccupancyGrp/ProgramServicesAmt0189011
IRS990/OccupancyGrp/TotalAmt0226361
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt08842
IRS990/OfficeExpensesGrp/ProgramServicesAmt044746
IRS990/OfficeExpensesGrp/TotalAmt053588
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02585115
IRS990/OtherAssetsTotalGrp/EOYAmt02522515
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt06454
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt032661
IRS990/OtherEmployeeBenefitsGrp/TotalAmt039115
IRS990/OtherExpensesGrp/Desc0BAD DEBT PROVISION
IRS990/OtherExpensesGrp/Desc1TRAINING
IRS990/OtherExpensesGrp/Desc2REPAIRS & MAINTENANCE
IRS990/OtherExpensesGrp/Desc3CONTRIBUTIONS
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt121795
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt23400
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt0377198
IRS990/OtherExpensesGrp/ProgramServicesAmt10
IRS990/OtherExpensesGrp/ProgramServicesAmt217208
IRS990/OtherExpensesGrp/ProgramServicesAmt323806
IRS990/OtherExpensesGrp/TotalAmt0377198
IRS990/OtherExpensesGrp/TotalAmt121795
IRS990/OtherExpensesGrp/TotalAmt220608
IRS990/OtherExpensesGrp/TotalAmt323806
IRS990/OtherLiabilitiesGrp/BOYAmt0431715
IRS990/OtherLiabilitiesGrp/EOYAmt0207168
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt062975
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0318691
IRS990/OtherSalariesAndWagesGrp/TotalAmt0381666
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt05550179
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt05022041
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt06245
IRS990/PayrollTaxesGrp/ProgramServicesAmt031602
IRS990/PayrollTaxesGrp/TotalAmt037847
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0479
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt02423
IRS990/PensionPlanContributionsGrp/TotalAmt02902
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt01163319
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt01174481
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt016472
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt047203
IRS990/PrincipalOfficerNm0ROSA RIOS-VALDEZ
IRS990/PriorPeriodAdjustmentsAmt0435695
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/BusinessCd2525990
IRS990/ProgramServiceRevenueGrp/BusinessCd3525990
IRS990/ProgramServiceRevenueGrp/BusinessCd4525990
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1LOAN SERVICING FEES
IRS990/ProgramServiceRevenueGrp/Desc2LOAN PROCESSING FEES
IRS990/ProgramServiceRevenueGrp/Desc3LOAN APPLICATION FEES
IRS990/ProgramServiceRevenueGrp/Desc4HOMEBUYER COUNSELING
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0391300
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1248070
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2234413
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt349705
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt423810
IRS990/ProgSrvcAccomActy2Grp/Desc0COMMUNITY DEVELOPMENT - THE ORGANIZATION COUNSELED OVER 1,000 FAMILIES ON HOME FORECLOSURE AND MITIGATION, AND OVER 800 BUSINESSES WITH MANAGEMENT COUNSELING, BUSINESS MARKETING, GROWTH STRATEGIES, AND GENERAL BUSINESS START UP AND DEVELOPMENT.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0451069
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt031935
IRS990/ProgSrvcAccomActy3Grp/Desc0BUSINESS DEVELOPMENT - THE ORGANIZATION PROCESSES AND SERVICES GUARANTEED LOANS FOR SMALL BUSINESSES THAT DO NOT QUALIFY FOR CONVENTIONAL FINANCING. IN ADDITION, LOANS ARE MADE TO SMALL BUSINESSES FROM GRANT FUNDS AND CONTRIBUTIONS FROM VARIOUS BUSINESSES AND LOCAL GOVERNMENTS AS WELL AS INTEREST EARNINGS AND PRINCIPAL RETURNED TO THE LOAN FUND POOL.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt044281
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0889507
IRS990/PYExcessBenefitTransInd0false
IRS990/PYOtherExpensesAmt0763667
IRS990/PYProgramServiceRevenueAmt01009865
IRS990/PYRevenuesLessExpensesAmt0467849
IRS990/PYSalariesCompEmpBnftPaidAmt0667856
IRS990/PYTotalExpensesAmt01431523
IRS990/PYTotalRevenueAmt01899372
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt01176314
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RevenueAmt0923488
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01715507
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03073354
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt02022511
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0889507
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt02217825
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt01033335
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0756119
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt06919297
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt015677
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0211338
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0227015
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt06801856
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.96820
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportPY170Pct00.92250
IRS990ScheduleA/PublicSupportTotal170Amt06919297
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt02022511
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0889507
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt02217825
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt01033335
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0756119
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt06919297
IRS990ScheduleA/TotalSupportAmt07146312
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/BuildingsGrp/BookValueAmt075486
IRS990ScheduleD/BuildingsGrp/DepreciationAmt014699
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt090185
IRS990ScheduleD/EquipmentGrp/BookValueAmt05189
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01624
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06813
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt01380358
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0FORGIVABLE LOANS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt021576
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1670160
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt21830779
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0INTEREST RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1DUE FROM GRAND CENTRAL TEXAS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2RESTRICTED CASH
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt049467
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt049467
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0201623
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15545
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0PAYABLE TO CITY PARTICIPANTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1PAYABLE TO GRAND CENTRAL
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2DEPOSITS & ESCROW LIABILITIES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0130142
IRS990ScheduleD/TotalBookValueOtherAssetsAmt02522515
IRS990ScheduleD/TotalBookValueProgramRltdAmt01380358
IRS990ScheduleD/TotalLiabilityAmt0207168
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE RETURN IS REVIEWED BY THE EXECUTIVE DIRECTOR FOR ACCURACY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE BOARD ARE PROVIDED A COPY OF THE FORM 990
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2TO REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CONFLICT OF INTEREST POLICY APPLIES TO ALL MEMBERS AND OFFICERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4OF THE BOARD OF DIRECTORS AS WELL AS KEY MANAGEMENT EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5WHEN A CONFLICT OF INTEREST ARISES IT IS BROUGHT TO THE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ATTENTION OF THE EXECUTIVE DIRECTOR WHO BRINGS IT TO ATTENTION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7OF THE BOARD OF DIRECTORS. THE BOARD PRESIDENT IN CONSULTATION WITH

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,827,036
Liabilities
$6,595,644
Net assets
$7,231,392
Revenue
$2,981,512
Expenses
$1,805,198
Net income
$1,176,314
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$24.1$11.8$12.4$2.69$4.53$1.84
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.9$12.7$14.2$3.09$3.97$0.88
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.6$13.5$15.1$3.74$4.10$0.35
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.2$15.5$15.7$6.95$3.76$3.19
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.7$17.2$12.5$4.08$3.56$0.52
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.7$10.7$12.0$7.63$4.48$3.16
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.0$10.2$8.84$3.35$4.59$1.24
2018Detailed filing. Detailed filing data is available for this year.$17.5$7.47$10.1$5.33$4.46$0.88
2017Detailed filing. Detailed filing data is available for this year.$16.9$7.72$9.20$2.91$3.98$1.07
2016Detailed filing. Detailed filing data is available for this year.$17.1$6.79$10.3$6.04$4.85$1.19
2015Detailed filing. Detailed filing data is available for this year.$14.5$5.39$9.09$4.43$2.57$1.85
2014Detailed filing. Detailed filing data is available for this year.$13.8$6.60$7.23$2.98$1.81$1.18
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.7$7.10$5.62$1.43
2012Summary only. Only limited summary data is available for this year.$11.8$6.65$5.15$3.75$3.10$0.65
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.1$5.57$4.51$1.66