Civic Intelligence

Ventura County Community Development Corporation

EIN 74-3061811 • 501(c)3 • Oxnard, CA

Profile

To strengthen and sustain vibrant communities by empowering individuals and families to build wealth through education and homeownership with a primary focus on serving low-to-moderate income clients.

2231 Sturgis Road AOxnard, CA 93030

vccdc.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

34th percentile

0.07x

Higher debt load relative to assets than 34% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

55th percentile

0.28x

Higher debt load relative to revenue than 55% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Net Margin

92nd percentile

62%

Higher net margin than 92% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

81st percentile

21%

Faster asset growth than 81% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

91st percentile

77%

Faster revenue growth than 91% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets34th percentile

Assets

Up

$16,252,977

Up $2,787,528 (+21%) from 2023

Liabilities

Up

$1,152,641

Up $56,277 (+5.1%) from 2023

Net Assets

Up

$15,100,336

Up $2,731,251 (+22%) from 2023

Operations
Liabilities / Revenue55th percentileNet Margin92nd percentile

Revenue

Up

$4,111,765

Up $1,792,328 (+77%) from 2023

Expenses

Up

$1,566,024

Up $210,547 (+16%) from 2023

Net Income

Up

$2,545,741

Up $1,581,781 (+164%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth81st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$20M$15M$10M$5.0M$0Assets 2011: $4,865,698Liabilities 2011: $1,128,691Net Assets 2011: $3,737,0072011Assets 2012: $5,655,545Liabilities 2012: $770,605Net Assets 2012: $4,884,9402012Assets 2013: $8,042,214Liabilities 2013: $2,295,079Net Assets 2013: $5,747,1352013Assets 2014: $7,702,974Liabilities 2014: $1,684,028Net Assets 2014: $6,018,9462014Assets 2015: $8,460,003Liabilities 2015: $2,041,882Net Assets 2015: $6,418,1212015Assets 2016: $9,955,091Liabilities 2016: $3,162,064Net Assets 2016: $6,793,0272016Assets 2017: $8,333,606Liabilities 2017: $1,090,497Net Assets 2017: $7,243,1092017Assets 2018: $8,538,693Liabilities 2018: $1,056,581Net Assets 2018: $7,482,1122018Assets 2019: $8,435,564Liabilities 2019: $1,075,946Net Assets 2019: $7,359,6182019Assets 2020: $9,803,544Liabilities 2020: $1,092,576Net Assets 2020: $8,710,9682020Assets 2021: $11,029,755Liabilities 2021: $1,104,274Net Assets 2021: $9,925,4812021Assets 2022: $12,518,279Liabilities 2022: $1,113,154Net Assets 2022: $11,405,1252022Assets 2023: $13,465,449Liabilities 2023: $1,096,364Net Assets 2023: $12,369,0852023Assets 2024: $16,252,977Liabilities 2024: $1,152,641Net Assets 2024: $15,100,3362024

Highlighted filing

2024

Assets$16,252,977
Liabilities$1,152,641
Net Assets$15,100,336
Open 2024 Filing

Operations Trend

Revenue Growth91st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2011: $1,951,548Expenses 2011: $1,095,095Net Income 2011: $856,4532011Expenses 2012: $1,288,2192012Revenue 2013: $2,338,534Expenses 2013: $1,352,339Net Income 2013: $986,1952013Revenue 2014: $1,509,780Expenses 2014: $1,237,969Net Income 2014: $271,8112014Revenue 2015: $1,649,856Expenses 2015: $1,250,681Net Income 2015: $399,1752015Revenue 2016: $1,389,042Expenses 2016: $1,014,136Net Income 2016: $374,9062016Revenue 2017: $1,438,040Expenses 2017: $987,958Net Income 2017: $450,0822017Revenue 2018: $1,270,717Expenses 2018: $1,031,714Net Income 2018: $239,0032018Revenue 2019: $899,547Expenses 2019: $1,022,041Net Income 2019: -$122,4942019Revenue 2020: $2,412,185Expenses 2020: $1,060,835Net Income 2020: $1,351,3502020Revenue 2021: $2,494,728Expenses 2021: $1,261,747Net Income 2021: $1,232,9812021Revenue 2022: $2,760,172Expenses 2022: $1,280,528Net Income 2022: $1,479,6442022Revenue 2023: $2,319,437Expenses 2023: $1,355,477Net Income 2023: $963,9602023Revenue 2024: $4,111,765Expenses 2024: $1,566,024Net Income 2024: $2,545,7412024

Highlighted filing

2024

Revenue$4,111,765
Expenses$1,566,024
Net Income$2,545,741
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$16,252,977
Liabilities
$1,152,641
Net assets
$15,100,336
Revenue
$4,111,765
Expenses
$1,566,024
Net income
$2,545,741
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.3$1.15$15.1$4.11$1.57$2.55
2023Detailed filing. Detailed filing data is available for this year.$13.5$1.10$12.4$2.32$1.36$0.96
2022Detailed filing. Detailed filing data is available for this year.$12.5$1.11$11.4$2.76$1.28$1.48
2021Detailed filing. Detailed filing data is available for this year.$11.0$1.10$9.93$2.49$1.26$1.23
2020Detailed filing. Detailed filing data is available for this year.$9.80$1.09$8.71$2.41$1.06$1.35
2019Detailed filing. Detailed filing data is available for this year.$8.44$1.08$7.36$0.90$1.02$0.12
2018Detailed filing. Detailed filing data is available for this year.$8.54$1.06$7.48$1.27$1.03$0.24
2017Detailed filing. Detailed filing data is available for this year.$8.33$1.09$7.24$1.44$0.99$0.45
2016Detailed filing. Detailed filing data is available for this year.$9.96$3.16$6.79$1.39$1.01$0.37
2015Summary only. Only limited summary data is available for this year.$8.46$2.04$6.42$1.65$1.25$0.40
2014Detailed filing. Detailed filing data is available for this year.$7.70$1.68$6.02$1.51$1.24$0.27
2013Summary only. Only limited summary data is available for this year.$8.04$2.30$5.75$2.34$1.35$0.99
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.66$0.77$4.88$1.29
2011Summary only. Only limited summary data is available for this year.$4.87$1.13$3.74$1.95$1.10$0.86
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 19, 2025
Return Version
2024v5.2
Gross Receipts
$4,152,786
Mission and Program Overview

Mission

To strengthen and sustain vibrant communities by empowering individuals and families to build wealth through education and homeownership with a primary focus on serving low-to-moderate income clients

To strengthen and sustain vibrant communities by empowering individuals and families to build wealth through education and homeownership with a primary focus on serving low-to-moderate income clients.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,111,643$10,321,781▲ $2,210,138
Cash and Non-Interest-Bearing Accounts$3,843,484$3,642,517▼ $200,967
Pledges and Grants Receivable-$771,966-
Accounts Receivable$202,894--
Prepaid Expenses and Deferred Charges$18,407$5,725▼ $12,682
Land, Buildings, and Equipment, Net$2,760$1,724▼ $1,036
Total Assets$13,465,449$16,252,977▲ $2,787,528
Other Assets Total$1,286,261$1,509,264▲ $223,003
Liabilities
Unsecured Notes Loans Payable$1,000,000$1,000,000→ $0
Accounts Payable and Accrued Expenses$3,364$116,978▲ $113,614
Other Liabilities$93,000$35,663▼ $57,337
Total Liabilities$1,096,364$1,152,641▲ $56,277
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$12,369,085$14,933,019▲ $2,563,934
Net Assets With Donor Restrictions$0$167,317▲ $167,317
Total Net Assets Fund Balance$12,369,085$15,100,336▲ $2,731,251
Total Liabilities and Net Assets / Fund Balance$13,465,449$16,252,977▲ $2,787,528

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,724$68,530$70,254
Other Assets Org$1,468,899--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Bertha GarciaExecutive DirectorFT$127,019$127,019
Alex VegaDirector of LendingFT$101,216$101,216

Board Members and Trustees

NameTitle
Shane SaundersPast President
Joseph GuiterrezPresident
Anthony RestivoVice President
Alexander GallardoBoard Member
Fernando OrtizBoard Member
Gabriela MelloBoard Member
Lisa BrooksBoard Member
Mayra OsegueraBoard Member
Jasmine PadilaSecretary
Greg T GloverTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$3,269,743
Program Service Revenue
$394,991
Investment Income
$271,999
Other Revenue
$175,032
All Other Contributions
$1,835,882
Change in Net Assets
$2,545,741

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,111,765
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$4,111,765
Total Revenue per Form 990
$4,111,765
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,086,293
Other Expenses$479,731
Total Fundraising Expense$148,770
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$625,344$12,522$56,662$694,528
Current Officers, Directors, Trustees, and Key Employees$164,726$25,404$38,106$228,236
Fees for Services Other$62,120$45,962$7,451$115,533
Other Employee Benefits$81,512$3,913$9,777$95,202
Payroll Taxes$58,502$2,808$7,017$68,327
Occupancy$53,938$2,589$6,470$62,997
Conferences and Meetings$42,052$2,019$5,044$49,115
Interest$37,192$1,785$4,461$43,438
Insurance$35,415$1,700$4,248$41,363
Office Expenses$19,534$938$2,343$22,815
Advertising$13,029$625$1,563$15,217
Travel$10,022$481$1,202$11,705
Other Expenses$7,231$347$867$8,445
All Other Expenses$6,249$303$750$7,302
Depreciation Depletion$886$43$106$1,035
Total Functional Expenses$1,314,733$102,521$148,770$1,566,024

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,566,024
Total Expenses per Audited Statements$1,566,024
Total Expenses per Form 990$1,566,024
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$178,750
Fundraising Direct Expenses$41,021
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Hoc - Kern$67,500$67,500-$67,500
Awards Ceremony$59,000$59,000$41,021$17,979
Total Events$178,750$178,750$41,021$137,729
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Liability$35,663
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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, Section B, Line 11B

“Form 990 is provided initially to management for their review and approval. Upon this approval procedure, the audit committee, which is a subset of the board of directors, reviews and approves. Finally, the baord of directors as a whole reviews ans approves the form 990 filing.”

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

“As a part of vccdc's conflict of interest policy, each director, officer, employee, or member of a committee with governing board delegates power signs a "conflict of interest policy acknowledgement and disclosure form." the form is collected annually as a way to enforce and monitor that there is not conflict of interest.”

Form 990, Part VI, Section B, Line 15A

“Use of various 3rd party sources to determine equitable salary for similar positions in the locality.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflicts of interest policy, and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Ventura County Community Development
EIN
74-3061811
Phone
8052737800
Address
2231 STURGIS ROAD A, OXNARD, CA 93030

Signing Officer

Name
Bertha M Garcia
Title
Executive Director
Phone
8052737800
Signed
2025-08-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bertha M Garcia
Formed
2001
Legal Domicile
CA
Voting Board Members
10
Independent Board Members
10
Employees
18
Volunteers
20

Preparer

Firm
Hinricher & Cousino Llp
Address
3275 OLD CONEJO ROAD, THOUSAND OAKS, CA 91320
Preparer
Brian Cousino
Phone
8054961883
Raw XML AppendixShowing 400 of 490 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.

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IRS990/ActivityOrMissionDesc0TO STRENGTHEN AND SUSTAIN VIBRANT COMMUNITIES BY EMPOWERING INDIVIDUALS AND FAMILIES TO BUILD WEALTH THROUGH EDUCATION AND HOMEOWNERSHIP WITH A PRIMARY FOCUS ON SERVING LOW-TO-MODERATE INCOME CLIENTS.
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1PAST PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10EXECUTIVE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR OF LENDING
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
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IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InsuranceGrp/ManagementAndGeneralAmt01700
IRS990/InsuranceGrp/ProgramServicesAmt035415
IRS990/InsuranceGrp/TotalAmt041363
IRS990/InterestGrp/FundraisingAmt04461
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IRS990/MembersOrStockholdersInd00
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IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0TO STRENGTHEN AND SUSTAIN VIBRANT COMMUNITIES BY EMPOWERING INDIVIDUALS AND FAMILIES TO BUILD WEALTH THROUGH EDUCATION AND HOMEOWNERSHIP WITH A PRIMARY FOCUS ON SERVING LOW-TO-MODERATE INCOME CLIENTS.
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IRS990/MoreThan5000KToOrgInd00
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IRS990/NetUnrelatedBusTxblIncmAmt00
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IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt06470
IRS990/OccupancyGrp/ManagementAndGeneralAmt02589
IRS990/OccupancyGrp/ProgramServicesAmt053938
IRS990/OccupancyGrp/TotalAmt062997
IRS990/OfficeExpensesGrp/FundraisingAmt02343
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0938
IRS990/OfficeExpensesGrp/ProgramServicesAmt019534
IRS990/OfficeExpensesGrp/TotalAmt022815
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt01509264
IRS990/OtherChangesInNetAssetsAmt00
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IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt03913
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt095202
IRS990/OtherExpensesGrp/Desc0BAD DEBT
IRS990/OtherExpensesGrp/Desc1PROGRAM EXPENSE
IRS990/OtherExpensesGrp/Desc2DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc3TELEPHONE
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IRS990/OtherExpensesGrp/FundraisingAmt1867
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01082
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IRS990/OtherExpensesGrp/ProgramServicesAmt134488
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IRS990/OtherExpensesGrp/ProgramServicesAmt37231
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IRS990/OtherExpensesGrp/TotalAmt134488
IRS990/OtherExpensesGrp/TotalAmt226323
IRS990/OtherExpensesGrp/TotalAmt38445
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IRS990/OtherRevenueTotalAmt037303
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IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt012522
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0625344
IRS990/OtherSalariesAndWagesGrp/TotalAmt0694528
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt010321781
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/FundraisingAmt07017
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt02808
IRS990/PayrollTaxesGrp/ProgramServicesAmt058502
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt05725
IRS990/PrincipalOfficerNm0BERTHA M GARCIA
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IRS990/PYTotalProfFndrsngExpnsAmt00
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IRS990/QuidProQuoContributionsInd00
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt01779927
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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt01779927
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt010824535
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ACCRUED INTEREST ON MORTGAGE LOANS HELD FOR INVESTMENT
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0LEASE LIABILITY
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 IS PROVIDED INITIALLY TO MANAGEMENT FOR THEIR REVIEW AND APPROVAL. UPON THIS APPROVAL PROCEDURE, THE AUDIT COMMITTEE, WHICH IS A SUBSET OF THE BOARD OF DIRECTORS, REVIEWS AND APPROVES. FINALLY, THE BAORD OF DIRECTORS AS A WHOLE REVIEWS ANS APPROVES THE FORM 990 FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AS A PART OF VCCDC'S CONFLICT OF INTEREST POLICY, EACH DIRECTOR, OFFICER, EMPLOYEE, OR MEMBER OF A COMMITTEE WITH GOVERNING BOARD DELEGATES POWER SIGNS A "CONFLICT OF INTEREST POLICY ACKNOWLEDGEMENT AND DISCLOSURE FORM." THE FORM IS COLLECTED ANNUALLY AS A WAY TO ENFORCE AND MONITOR THAT THERE IS NOT CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2USE OF VARIOUS 3RD PARTY SOURCES TO DETERMINE EQUITABLE SALARY FOR SIMILAR POSITIONS IN THE LOCALITY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C

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