Civic Intelligence

California Finance Consortium

EIN 74-3111258 • 501(c)3 • Chico, CA

Profile

This corporation has been formed under the California Nonprofit Benefit Corporation Law for the advancement of local enterprises in underserved areas, expand the economic output in their communities by linking these enterprises to capital, expertise, education,and other entrepreneurial support services, and to carry on other charitable activities associated with the goals as allowed by law.

2515 Ceanothus Avenue 105Chico, CA 95973

n/A

Siviq Scores

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

Liabilities / Assets

21st percentile

0.00x

Higher debt load relative to assets than 21% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

24th percentile

0.00x

Higher debt load relative to revenue than 24% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Net Margin

34th percentile

-2.0%

Higher net margin than 34% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

40th percentile

$0

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Asset Growth

11th percentile

-18%

Faster asset growth than 11% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

100th percentile

4799%

Faster revenue growth than 100% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Assets

Down

$1,435,524

Down $306,455 (-18%) from 2024

Liabilities

Down

$700

Down $300,300 (-100%) from 2024

Net Assets

Down

$1,434,824

Down $6,155 (-0.4%) from 2024

Revenue

Up

$305,993

Up $299,747 (+4799%) from 2024

Expenses

Down

$312,148

Down $412,558 (-57%) from 2024

Net Income

Up

-$6,155

Up $712,305 (+99%) from 2024

Trend Graphs

Balance Sheet Trend

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

$3.0M$2.0M$1.0M$0Assets 2012: $82,066Liabilities 2012: $44,5632012Assets 2013: $44,951Liabilities 2013: $25,0002013Assets 2014: $1Liabilities 2014: $02014Assets 2016: $83,600Liabilities 2016: $2,760Net Assets 2016: $80,8402016Assets 2017: $465,344Liabilities 2017: $375,000Net Assets 2017: $90,3442017Assets 2018: $560,593Liabilities 2018: $450,000Net Assets 2018: $110,5932018Assets 2019: $520,403Liabilities 2019: $250,000Net Assets 2019: $270,4032019Assets 2020: $1,566,222Liabilities 2020: $250,000Net Assets 2020: $1,316,2222020Assets 2021: $1,861,993Liabilities 2021: $250,000Net Assets 2021: $1,611,9932021Assets 2022: $2,171,947Liabilities 2022: $0Net Assets 2022: $2,171,9472022Assets 2023: $2,160,239Liabilities 2023: $800Net Assets 2023: $2,159,4392023Assets 2024: $1,741,979Liabilities 2024: $301,000Net Assets 2024: $1,440,9792024Assets 2025: $1,435,524Liabilities 2025: $700Net Assets 2025: $1,434,8242025

Highlighted filing

2025

Assets$1,435,524
Liabilities$700
Net Assets$1,434,824

Operations Trend

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

$1.5M$1.0M$500K$0-$500K-$1.0MRevenue 2012: $162,932Expenses 2012: $171,526Net Income 2012: -$8,5942012Revenue 2013: $19,837Expenses 2013: $37,380Net Income 2013: -$17,5432013Revenue 2014: $0Expenses 2014: $1,905Net Income 2014: -$1,9052014Revenue 2016: $75,000Expenses 2016: $20,160Net Income 2016: $54,8402016Revenue 2017: $37,500Expenses 2017: $27,996Net Income 2017: $9,5042017Revenue 2018: $38,000Expenses 2018: $17,751Net Income 2018: $20,2492018Revenue 2019: $185,000Expenses 2019: $25,190Net Income 2019: $159,8102019Revenue 2020: $1,069,585Expenses 2020: $23,766Net Income 2020: $1,045,8192020Revenue 2021: $344,042Expenses 2021: $48,271Net Income 2021: $295,7712021Revenue 2022: $607,994Expenses 2022: $48,040Net Income 2022: $559,9542022Revenue 2023: $6,593Expenses 2023: $19,101Net Income 2023: -$12,5082023Revenue 2024: $6,246Expenses 2024: $724,706Net Income 2024: -$718,4602024Revenue 2025: $305,993Expenses 2025: $312,148Net Income 2025: -$6,1552025

Highlighted filing

2025

Revenue$305,993
Expenses$312,148
Net Income-$6,155

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.44$0.00$1.43$0.31$0.31$0.01
2024Summary only. Only limited summary data is available for this year.$1.74$0.30$1.44$0.01$0.72$0.72
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.16$0.00$2.16$0.01$0.02$0.01
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.17$0.00$2.17$0.61$0.05$0.56
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.86$0.25$1.61$0.34$0.05$0.30
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.57$0.25$1.32$1.07$0.02$1.05
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.52$0.25$0.27$0.19$0.03$0.16
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.56$0.45$0.11$0.04$0.02$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.47$0.38$0.09$0.04$0.03$0.01
2016Detailed filing. Detailed filing data is available for this year.$0.08$0.00$0.08$0.08$0.02$0.05
2014Summary only. Only limited summary data is available for this year.$0.00$0.00$0.00$0.00$0.00
2013Summary only. Only limited summary data is available for this year.$0.04$0.03$0.02$0.04$0.02
2012Summary only. Only limited summary data is available for this year.$0.08$0.04$0.16$0.17$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Sep 30, 2025
Return Version
2024v5.2
Gross Receipts
$305,993
Mission and Program Overview

Mission

This corporation has been formed under the California Nonprofit Benefit Corporation Law for the advancement of local enterprises in underserved areas, expand the economic output in their communities by linking these enterprises to capital, expertise, education,and other entrepreneurial support services, and to carry on other charitable activities associated with the goals as allowed by law.

The California Finance Consortium provides loss protection and capital support to its member lenders in the form of loan guarantees and loan participations.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$1,606,369$1,305,296▼ $301,073
Other Notes and Loans Receivable, Net$135,610$130,228▼ $5,382
Total Assets$1,741,979$1,435,524▼ $306,455
Liabilities
Deferred Revenue$300,000$0▼ $300,000
Accounts Payable and Accrued Expenses$1,000$700▼ $300
Total Liabilities$301,000$700▼ $300,300
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$755,214$743,246▼ $11,968
Net Assets With Donor Restrictions$685,765$691,578▲ $5,813
Total Net Assets Fund Balance$1,440,979$1,434,824▼ $6,155
Total Liabilities and Net Assets / Fund Balance$1,741,979$1,435,524▼ $306,455
Compensation and Service Providers

Board Members and Trustees

NameTitle
Brynda StranixPresident
Ross WelchVice President
Ryan RichardsonDirector
Joanna WilliamsFinance Officer
Patty HessSecretary/Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$300,000
Program Service Revenue
$5,993
Investment Income
$0
Other Revenue
$0
All Other Contributions
$300,000
Change in Net Assets
$-6,155
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$300,000
Other Expenses$12,148
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Orgs$300,000--$300,000
Fees for Services Management$6,800$0$0$6,800
Fees for Services Accounting$0$5,000$0$5,000
Fees for Services Other$180$0$0$180
Advertising$118$0$0$118
Office Expenses$0$50$0$50
Total Functional Expenses$307,098$5,050$0$312,148
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
3coreChico, CA-Lending Capital$102,000
Superior California Economic DevelopmentRedding, CA-Lending Capital$100,000
Arcata Economic DevelopmentEureka, CA-Lending Capital$68,000
Yuba Sutter Economic DevelopmentYuba City, CA-Lending Capital$30,000
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
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
Filing and Contact Details

Filer

Filer Name
California Finance Consortium
EIN
74-3111258
Phone
5308938732
Address
2515 Ceanothus Avenue 105, Chico, CA 95973

Signing Officer

Name
Brynda Stranix
Title
Board President
Phone
5308938732
Signed
2025-09-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brynda Stranix
Formed
2014
Legal Domicile
CA
Voting Board Members
4
Independent Board Members
4
Employees
0
Volunteers
0

Preparer

Firm
West Davis & Company LLP
Address
8200 North Mopac Expressway Suite 1, Austin, TX 78759
Preparer
Rob West CPA
Phone
5038286650
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

The 990 is reviewed and approved by the board

Pt VI, Line 11B

prior to filing.

Pt VI, Line 12C

Officers and directors are required to give notice

Pt VI, Line 12C

to any potential conflicts of interest at least annually.

Pt VI, Line 2

3CORE, Inc., an IRC Section 501(c)(3) exempt organization,

Pt VI, Line 2

is a member lender of CFC and appoints one

Pt VI, Line 2

of the four board members. Patty Hess, the executive

Pt VI, Line 2

director of 3CORE, serves on the CFC board. 3CORE acts

Pt VI, Line 2

as a program manager for CFC & was paid $6,800 to

Pt VI, Line 2

manage CFCs operations & the loan guarantee portfolio.

Pt VI, Line 2

At June 30, 2025, CFC held $397,284 in loan

Pt VI, Line 2

guarantees for 3CORE. Joanna Williams, the finance

Pt VI, Line 2

officer of 3CORE, is also the finance officer of CFC.

Raw XML Appendix377 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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IRS990ScheduleI/RecipientTable/CashGrantAmt1100000
IRS990ScheduleI/RecipientTable/CashGrantAmt2102000
IRS990ScheduleI/RecipientTable/CashGrantAmt330000
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0LENDING CAPITAL
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt1LENDING CAPITAL
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt2LENDING CAPITAL
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt3LENDING CAPITAL
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0Arcata Economic Development
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt1Superior California Economic Development
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt23CORE
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt3Yuba Sutter Economic Development
IRS990ScheduleI/RecipientTable/RecipientEIN0942674882
IRS990ScheduleI/RecipientTable/RecipientEIN1680328218
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IRS990ScheduleI/RecipientTable/RecipientEIN3680342145
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt0707 K Street
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt1350 Hartnell Avenue Suite A
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt22515 Ceanothus Avenue 105
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt3950 Tharp Road Suite 1303
IRS990ScheduleI/RecipientTable/USAddress/CityNm0Eureka
IRS990ScheduleI/RecipientTable/USAddress/CityNm1Redding
IRS990ScheduleI/RecipientTable/USAddress/CityNm2Chico
IRS990ScheduleI/RecipientTable/USAddress/CityNm3Yuba City
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The 990 is reviewed and approved by the board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Officers and directors are required to give notice
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3to any potential conflicts of interest at least annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt43CORE, Inc., an IRC Section 501(c)(3) exempt organization,
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5is a member lender of CFC and appoints one
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6of the four board members. Patty Hess, the executive
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7director of 3CORE, serves on the CFC board. 3CORE acts
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8as a program manager for CFC & was paid $6,800 to
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9manage CFCs operations & the loan guarantee portfolio.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10At June 30, 2025, CFC held $397,284 in loan
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11guarantees for 3CORE. Joanna Williams, the finance
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12officer of 3CORE, is also the finance officer of CFC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Pt VI, Line 2
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt05050
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0307098
IRS990/TotalFunctionalExpensesGrp/TotalAmt0312148
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0301000
IRS990/TotalLiabilitiesEOYAmt0700
IRS990/TotalLiabilitiesGrp/BOYAmt0301000
IRS990/TotalLiabilitiesGrp/EOYAmt0700
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01440979
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01434824
IRS990/TotalProgramServiceExpensesAmt0307098
IRS990/TotalProgramServiceRevenueAmt05993
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05993
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0305993
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02515 Ceanothus Avenue 105
IRS990/USAddress/CityNm0Chico
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd095973
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0www.californiafinance.org/
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Brynda Stranix
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Board President
ReturnHeader/BusinessOfficerGrp/PhoneNum05308938732
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0California Finance Consortium
ReturnHeader/Filer/BusinessNameControlTxt0CALI
ReturnHeader/Filer/EIN0743111258
ReturnHeader/Filer/PhoneNum05308938732
ReturnHeader/Filer/USAddress/AddressLine1Txt02515 Ceanothus Avenue 105
ReturnHeader/Filer/USAddress/CityNm0Chico
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd095973
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0742638320
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0West Davis & Company LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt08200 North Mopac Expressway Suite 1
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Austin
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd078759
ReturnHeader/PreparerPersonGrp/PhoneNum05038286650
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Rob West CPA
ReturnHeader/ReturnTs02025-10-30T09:45:14-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

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