Civic Intelligence

Ventura County Community Development Corporation

990 • Fiscal year 2016 • EIN 74-3061811

Jan 01, 2016 to Dec 31, 2016 • Filed on Jul 28, 2017

Organization Profilevccdc.org
2231 Sturgis RoadOxnard, CA 93030

(805) 273-7800

Siviq Scores

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

Liabilities / Assets

63rd percentile

0.32x

Higher debt load relative to assets than 63% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

89th percentile

2.28x

Higher debt load relative to revenue than 89% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Net Margin

84th percentile

27%

Higher net margin than 84% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

43rd percentile

$106,407

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 7.7% of source-year revenue.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Asset Growth

82nd percentile

18%

Faster asset growth than 82% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

17th percentile

-16%

Faster revenue growth than 17% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$9,955,091

Up $1,495,088 (+18%) from 2015

Net Assets

Up

$6,793,027

Up $374,906 (+5.8%) from 2015

Liabilities

Up

$3,162,064

Up $1,120,182 (+55%) from 2015

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin84th percentile

Revenue

Down

$1,389,042

Down $260,814 (-16%) from 2015

Expenses

Down

$1,014,136

Down $236,545 (-19%) from 2015

Net Income

Down

$374,906

Down $24,269 (-6.1%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth82nd percentile

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

$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

2016

Assets$9,955,091
Liabilities$3,162,064
Net Assets$6,793,027
Open 2016 Filing

Operations Trend

Revenue Growth17th percentile

Revenue, expenses, and net income across loaded years, with this 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

2016

Revenue$1,389,042
Expenses$1,014,136
Net Income$374,906
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jul 28, 2017
Return Version
2016v3.0
Gross Receipts
$1,389,042
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

The organization assists people and neighborhoods through providing the following: - A full range of housing options- Unique first-time homebuyer loans- Housing alternatives awareness via counseling/coaching and educational activitiesThe above activities allow the organization to strength and sustain vibrant communities by empowering and enabling low-to-moderate income individuals, families and businesses to build wealth through homeownership and entrepreneurship.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,442,008$6,991,937▲ $549,929
Cash and Non-Interest-Bearing Accounts$1,259,613$2,114,167▲ $854,554
Pledges and Grants Receivable$33,376$41,143▲ $7,767
Savings and Temporary Cash Investments$38,700$38,675▼ $25
Land, Buildings, and Equipment, Net$18,241$15,303▼ $2,938
Accounts Receivable-$3,000-
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$8,460,003$9,955,091▲ $1,495,088
Other Assets Total$668,065$750,866▲ $82,801
Liabilities
Mortgage Notes Payable Secured by Investment Property$1,000,000$2,000,000▲ $1,000,000
Unsecured Notes Loans Payable$471,050$603,250▲ $132,200
Other Liabilities$488,000$493,280▲ $5,280
Accounts Payable and Accrued Expenses$62,972$59,684▼ $3,288
Deferred Revenue$19,860$5,850▼ $14,010
Total Liabilities$2,041,882$3,162,064▲ $1,120,182
Net Assets / Fund Balance
Unrestricted Net Assets$6,418,121$6,793,027▲ $374,906
Total Net Assets Fund Balance$6,418,121$6,793,027▲ $374,906
Total Liabilities and Net Assets / Fund Balance$8,460,003$9,955,091▲ $1,495,088

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$15,303$49,777$65,080
Other Assets Org$1,804--
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleBaseOtherTotal
Bertha GarciaExecutive Director$100,977$5,430$106,407

Board Members and Trustees

NameTitle
Shane SaundersPast President
Joseph GuiterrezPresident
Ted SchneiderVice President
Larry VasquezBoard Member
Lisa BrooksBoard Member
Rashi KallurBoard Member
Yoland FultonBoard Member
Ernest BasketteDirector
Maria TapiaSecretary
Anthony RestivoTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$825,470
Program Service Revenue
$398,374
Investment Income
$165,198
Other Revenue
$0
All Other Contributions
$300,500
Change in Net Assets
$374,906

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,389,042
Total Revenue per Audited Statements
$1,389,042
Total Revenue per Form 990
$1,389,042
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$708,390
Other Expenses$305,746
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$404,054$159,657-$563,711
Current Officers, Directors, Trustees, and Key Employees$76,270$30,137-$106,407
Occupancy$45,620$19,456-$65,076
Fees for Services Accounting$44,810$7,227-$52,037
Fees for Services Other$38,383$6,190-$44,573
Other Employee Benefits$27,358$9,108-$36,466
Insurance$25,511$2,457-$27,968
Office Expenses$7,442$2,404-$9,846
Advertising$3,691$4,806-$8,497
All Other Expenses$5,754$2,291-$8,045
Depreciation Depletion-$5,845-$5,845
Other Expenses$5,045$262-$5,307
Interest$5,185$-743-$4,442
Travel$2,096$141-$2,237
Pension Plan Contributions$1,355$451-$1,806
Fees for Services Legal$215$35-$250
Total Functional Expenses$746,813$267,323$0$1,014,136

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,014,136
Total Expenses per Audited Statements$1,014,136
Total Expenses per Form 990$1,014,136
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
Note Payable - Related Party - CEDC$408,926
Accrued Vacation$56,441
Accrued Payroll and Related Expenses$27,913
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
No
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

“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 board of directors as a whole reviews and approves the form 990 filing.”

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

“As part of VCCDCs Conflict of Interest Policy, each director, office, employee, or member of a committee with governing board delegates power signs a Conflict of Interest Policy Acknowledgment and Disclosure Form. The form is collected annually as a way to enforce and monitor that there is no Conflict of Interest.”

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

“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
EIN
74-3061811
Phone
8052737800
Address
2231 Sturgis Road, Oxnard, CA 93030

Signing Officer

Name
Bertha Garcia
Title
Executive Director
Signed
2017-07-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bertha Garcia
Formed
2001
Legal Domicile
CA
Voting Board Members
11
Independent Board Members
11
Employees
15

Preparer

Firm
Poindexter and Company
Address
PO Box 4488, Ventura, CA 93007
Preparer
Mark A Poindexter
Phone
8056593600
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IRS990/Form990PartVIISectionAGrp/PersonNm9Larry Vasquez
IRS990/Form990PartVIISectionAGrp/PersonNm10Bertha Garcia
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IRS990/Form990PartVIISectionAGrp/TitleTxt8Vice President
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IRS990/Form990PartVIISectionAGrp/TitleTxt10Executive Dir.
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IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
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/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/OccupancyGrp/TotalAmt065076
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt02404
IRS990/OfficeExpensesGrp/ProgramServicesAmt07442
IRS990/OfficeExpensesGrp/TotalAmt09846
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
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IRS990/OtherAssetsTotalGrp/EOYAmt0750866
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt09108
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt027358
IRS990/OtherEmployeeBenefitsGrp/TotalAmt036466
IRS990/OtherExpensesGrp/Desc0Other Administration
IRS990/OtherExpensesGrp/Desc1Telephone
IRS990/OtherExpensesGrp/Desc2Operating & Maintenance
IRS990/OtherExpensesGrp/Desc3Employee Education
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt012668
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt13314
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt21617
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3262
IRS990/OtherExpensesGrp/ProgramServicesAmt039222
IRS990/OtherExpensesGrp/ProgramServicesAmt17771
IRS990/OtherExpensesGrp/ProgramServicesAmt27031
IRS990/OtherExpensesGrp/ProgramServicesAmt35045
IRS990/OtherExpensesGrp/TotalAmt051890
IRS990/OtherExpensesGrp/TotalAmt111085
IRS990/OtherExpensesGrp/TotalAmt28648
IRS990/OtherExpensesGrp/TotalAmt35307
IRS990/OtherLiabilitiesGrp/BOYAmt0488000
IRS990/OtherLiabilitiesGrp/EOYAmt0493280
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0159657
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0404054
IRS990/OtherSalariesAndWagesGrp/TotalAmt0563711
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt06442008
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt06991937
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0451
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt01355
IRS990/PensionPlanContributionsGrp/TotalAmt01806
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt033376
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt041143
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Bertha Garcia
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
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IRS990/ProgramServiceRevenueGrp/BusinessCd2522291
IRS990/ProgramServiceRevenueGrp/BusinessCd3522291
IRS990/ProgramServiceRevenueGrp/Desc0Commission Revenues
IRS990/ProgramServiceRevenueGrp/Desc1Consulting
IRS990/ProgramServiceRevenueGrp/Desc2Loan Origination Fees
IRS990/ProgramServiceRevenueGrp/Desc3Other Fees and Revenues
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt052731
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt115000
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2320157
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt310486
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt052731
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt115000
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2320157
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt310486
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt01120239
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0157596
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0418429
IRS990/PYOtherRevenueAmt07200
IRS990/PYProgramServiceRevenueAmt0364821
IRS990/PYRevenuesLessExpensesAmt0399175
IRS990/PYSalariesCompEmpBnftPaidAmt0832252
IRS990/PYTotalExpensesAmt01250681
IRS990/PYTotalRevenueAmt01649856
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0374906
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt01389042
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt038700
IRS990/SavingsAndTempCashInvstGrp/EOYAmt038675
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01043113
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt01803966
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt01962976
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt06902266
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IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0122103
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IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
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IRS990ScheduleA/PublicSupportPY170Pct00.91950
IRS990ScheduleA/PublicSupportTotal170Amt06902266
IRS990ScheduleA/SubstantialContributorsTotAmt00
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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt01266741
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01043113
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt01803966
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt01962976
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt06902266
IRS990ScheduleA/TotalSupportAmt07676982
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
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Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$9,955,091
Liabilities
$3,162,064
Net assets
$6,793,027
Revenue
$1,389,042
Expenses
$1,014,136
Net income
$374,906
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