Civic Intelligence

Santa Cruz Community Ventures

990 • Fiscal year 2021 • EIN 77-0247648

Jan 01, 2021 to Dec 31, 2021 • Filed on Nov 02, 2022

Organization Profilewww.sccvonline.org
PO Box 2375Watsonville, CA 95077

(831) 460-2317

Siviq Scores

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

Liabilities / Assets

46th percentile

0.05x

Higher debt load relative to assets than 46% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

35th percentile

0.03x

Higher debt load relative to revenue than 35% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Net Margin

39th percentile

6.8%

Higher net margin than 39% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

74th percentile

$110,163

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 4.1% of source-year revenue.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Asset Growth

56th percentile

12%

Faster asset growth than 56% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

5th percentile

-48%

Faster revenue growth than 5% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets46th percentile

Assets

Up

$1,781,848

Up $196,376 (+12%) from 2020

Net Assets

Up

$1,692,788

Up $206,364 (+14%) from 2020

Liabilities

Down

$89,060

Down $9,988 (-10%) from 2020

Revenue And Expenses
Liabilities / Revenue35th percentileNet Margin39th percentile

Revenue

Down

$2,698,128

Down $2,535,769 (-48%) from 2020

Expenses

Down

$2,514,698

Down $1,511,626 (-38%) from 2020

Net Income

Down

$183,430

Down $1,024,143 (-85%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2008: $759,271Liabilities 2008: $102,466Net Assets 2008: $656,8052008Assets 2011: $688,130Liabilities 2011: $102,778Net Assets 2011: $585,3522011Assets 2012: $542,483Liabilities 2012: $128,013Net Assets 2012: $414,4702012Assets 2013: $462,194Liabilities 2013: $139,6362013Assets 2014: $422,994Liabilities 2014: $201,505Net Assets 2014: $221,4892014Assets 2015: $380,203Liabilities 2015: $207,187Net Assets 2015: $173,0162015Assets 2016: $338,555Liabilities 2016: $159,846Net Assets 2016: $178,7092016Assets 2017: $266,459Liabilities 2017: $21,453Net Assets 2017: $245,0062017Assets 2018: $183,210Liabilities 2018: $568Net Assets 2018: $182,6422018Assets 2019: $268,761Liabilities 2019: $164Net Assets 2019: $268,5972019Assets 2020: $1,585,472Liabilities 2020: $99,048Net Assets 2020: $1,486,4242020Assets 2021: $1,781,848Liabilities 2021: $89,060Net Assets 2021: $1,692,7882021Assets 2022: $2,747,879Liabilities 2022: $161,954Net Assets 2022: $2,585,9252022Assets 2023: $6,030,353Liabilities 2023: $205,205Net Assets 2023: $5,825,1482023Assets 2024: $5,932,086Liabilities 2024: $98,580Net Assets 2024: $5,833,5062024

Highlighted filing

2021

Assets$1,781,848
Liabilities$89,060
Net Assets$1,692,788
Open 2021 Filing

Operations Trend

Revenue Growth5th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2008: $278,0482008Expenses 2011: $301,6842011Revenue 2012: $153,461Expenses 2012: $324,343Net Income 2012: -$170,8822012Revenue 2013: $78,580Expenses 2013: $170,492Net Income 2013: -$91,9122013Revenue 2014: $85,260Expenses 2014: $174,893Net Income 2014: -$89,6332014Revenue 2015: $107,739Expenses 2015: $143,943Net Income 2015: -$36,2042015Revenue 2016: $86,544Expenses 2016: $115,059Net Income 2016: -$28,5152016Revenue 2017: $69,859Expenses 2017: $156,480Net Income 2017: -$86,6212017Revenue 2018: $134,972Expenses 2018: $189,021Net Income 2018: -$54,0492018Revenue 2019: $312,593Expenses 2019: $239,269Net Income 2019: $73,3242019Revenue 2020: $5,233,897Expenses 2020: $4,026,324Net Income 2020: $1,207,5732020Revenue 2021: $2,698,128Expenses 2021: $2,514,698Net Income 2021: $183,4302021Revenue 2022: $2,765,285Expenses 2022: $1,801,908Net Income 2022: $963,3772022Revenue 2023: $5,177,388Expenses 2023: $2,041,361Net Income 2023: $3,136,0272023Revenue 2024: $3,468,199Expenses 2024: $3,551,917Net Income 2024: -$83,7182024

Highlighted filing

2021

Revenue$2,698,128
Expenses$2,514,698
Net Income$183,430
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Nov 2, 2022
Return Version
2021v4.0
Gross Receipts
$2,698,128
Mission and Program Overview

Mission

Creating compassionate and equitable local economies that contribute to the well being of our communitiesWe are committed to do our work in ways that:Are family centered and culturally appropriate;Remove system level barriers to economic equity;Provide leadership development and financial education, including for children and youth;Develop new financial and asset building vehicles; andLift up and leverage the great work already being done.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$838,352$798,842▼ $39,510
Accounts Receivable$678,643$620,562▼ $58,081
Land, Buildings, and Equipment, Net$4,243$18,169▲ $13,926
Savings and Temporary Cash Investments-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$1,585,472$1,781,848▲ $196,376
Other Assets Total$64,234$344,275▲ $280,041
Liabilities
Accounts Payable and Accrued Expenses$99,048$89,060▼ $9,988
Total Liabilities$99,048$89,060▼ $9,988
Net Assets / Fund Balance
Net Assets With Donor Restrictions$904,838$1,455,157▲ $550,319
Net Assets Without Donor Restrictions$581,586$237,631▼ $343,955
Total Net Assets Fund Balance$1,486,424$1,692,788▲ $206,364
Total Liabilities and Net Assets / Fund Balance$1,585,472$1,781,848▲ $196,376

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$18,169$6,766$24,935
Other Assets Org$192,974--
Compensation and Service Providers
Top Officer Pay74th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Maria CadenasExecutive DirectorFT$110,163$110,163

Board Members and Trustees

NameTitle
Heather BullockChairman
Chris BennerDirector
David BrownDirector
Kayla KumarDirector
Lorraine YglesiasDirector
Elisa OronaSecretary
Caitlin BruneTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$2,697,078
Program Service Revenue
$986
Investment Income
$64
Other Revenue
$0
All Other Contributions
$2,314,571
Change in Net Assets
$183,430

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,698,128
Revenue Not Reported on Form 990
$22,934
Total Revenue per Audited Statements
$2,721,062
Total Revenue per Form 990
$2,698,128
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$1,821,040
Salaries, Compensation, and Employee Benefits$551,250
Other Expenses$142,408
Total Fundraising Expense$4,184
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Orgs$1,476,830--$1,476,830
Other Salaries and Wages$333,710$19,605-$353,315
Grants to Domestic Individuals$344,210--$344,210
Current Officers, Directors, Trustees, and Key Employees$110,163--$110,163
Fees for Services Other$43,427$38,495-$81,922
Payroll Taxes$42,697$1,690-$44,387
Other Employee Benefits$41,734$1,651-$43,385
Occupancy$12,922$2,632$2,084$17,638
Insurance$4,297$190$829$5,316
Depreciation Depletion-$4,946-$4,946
All Other Expenses$2,504$1,039-$3,543
Advertising$2,697$200-$2,897
Other Expenses$2,600$478$1,271$2,600
Travel$1,798$221-$2,019
Total Functional Expenses$2,430,940$79,574$4,184$2,514,698

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,514,698
Total Expenses per Audited Statements$2,514,698
Total Expenses per Form 990$2,514,698
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Salud Para La GenteWatsonville, CA501(c)(3)Emergency relief$1,476,830
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 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

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“The board treasurer reviews form 990 prior to filing. Subsequently a copy of the form is distributed to the sccv board.”

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

“The board of directors and management review, update, and distribute the conflict of interest policy to all staff/volunteers of the organization. The most recent policy is reviewed with and signed by all staff at least annually.”

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

“Governing documents, conflict of interest policy, and financial statements are available upon request”

Filing and Contact Details

Filer

Filer Name
Ventures
EIN
77-0247648
Phone
8314602317
Address
PO BOX 2375, Watsonville, CA 95077

Signing Officer

Name
Maria Cadenas
Title
Executive Director
Signed
2022-11-02
Discuss with paid preparer
Yes

Organization Details

Formed
1989
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
19
Volunteers
4

Preparer

Firm
Hutchinson and Bloodgood LLP
Address
579 Auto Center Drive, Watsonville, CA 95076
Preparer
Kimbra Said CPA
Phone
8317242441
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 4D: Other Program Services Description

“OTHER PROGRAM SERVICES 4: Advocacy - efforts focus on addressing financial inequities, including the prevalence of predatory lenders, currently twice the rate in Watsonville than the city of Santa Cruz, as well as engaging with local governments on the value of a representative government and how this can affect economic decisions.”

Financial Statement Notes

Part X : FIN48 Footnote

“Management has evaluated the organizations tax positions and concluded they took no uncertain tax positions requiring an adjustment to the financial statements to comply with the provisions issued by the financial accounting standards board.”

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IRS990/MissionDesc0Creating compassionate and equitable local economies that contribute to the well being of our communitiesWe are committed to do our work in ways that:Are family centered and culturally appropriate;Remove system level barriers to economic equity;Provide leadership development and financial education, including for children and youth;Develop new financial and asset building vehicles; andLift up and leverage the great work already being done.
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IRS990/OtherExpensesGrp/Desc0DUES AND MEMBERSHIPS
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc2Printing and Publications
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IRS990/ProgSrvcAccomActy2Grp/Desc0Asset Building - Ensures families and youth can build wealth. This includes: - Semilitas a community partnership that provides children's savings accounts for newborns in the county. The effort focuses on improving childrens social emotional development, create a culture supporting post-secondary education, and increase assets and build financial capability of participating families. - Futuro - aims to be a worker-owned cooperative business structure and network that provides income and wealth building for Salinas Valley working-class Latino families. - Alas - which means wings in Spanish, is a six-month financial stability program to help working-class Latino families build community, self-determination, and financial wellbeing. Cohort model incorporates: - Guaranteed Income: families receive $500 /month for 6-months - Education and Resources: Participants receive monthly workshops and individual financial coaching to build savings, establish/ improve credit, build their savings, and reach personal financial goals. - Community Building: Participants work both as a large cohort, and in small groups with neighbors in their own cities. This ensures that they have a community to lean on after completing the program.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0245518
IRS990/ProgSrvcAccomActy2Grp/GrantAmt04200
IRS990/ProgSrvcAccomActy3Grp/Desc0Financial Capability (Familias con Ms) works on two areas:- Education to build knowledge and skills on fair banking practices, savings, budgeting, credit, debt, overdraft fees, and predatory lenders through workshops, coaching, and community outreach.- Advocacy to address financial inequities, including the prevalence of predatory lenders, currently twice the rate in Watsonville than the city of Santa Cruz.
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MANAGEMENT HAS EVALUATED THE ORGANIZATIONS TAX POSITIONS AND CONCLUDED THEY TOOK NO UNCERTAIN TAX POSITIONS REQUIRING AN ADJUSTMENT TO THE FINANCIAL STATEMENTS TO COMPLY WITH THE PROVISIONS ISSUED BY THE FINANCIAL ACCOUNTING STANDARDS BOARD.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
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IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0STIPEND - EMERGENCY CASH RELIEF
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt1WILD FIRE RELIEF FOR IMMIGRANTS
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IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0Emergency relief
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0SALUD PARA LA GENTE
IRS990ScheduleI/RecipientTable/RecipientEIN0942705747
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt0195 AVIATION WAY STE 200
IRS990ScheduleI/RecipientTable/USAddress/CityNm0WATSONVILLE
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd0CA
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0OTHER PROGRAM SERVICES 4: Advocacy - efforts focus on addressing financial inequities, including the prevalence of predatory lenders, currently twice the rate in Watsonville than the city of Santa Cruz, as well as engaging with local governments on the value of a representative government and how this can affect economic decisions.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD TREASURER REVIEWS FORM 990 PRIOR TO FILING. SUBSEQUENTLY A COPY OF THE FORM IS DISTRIBUTED TO THE SCCV BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS AND MANAGEMENT REVIEW, UPDATE, AND DISTRIBUTE THE CONFLICT OF INTEREST POLICY TO ALL STAFF/VOLUNTEERS OF THE ORGANIZATION. THE MOST RECENT POLICY IS REVIEWED WITH AND SIGNED BY ALL STAFF AT LEAST ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part III, Line 4d: Other Program Services Description

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,781,848
Liabilities
$89,060
Net assets
$1,692,788
Revenue
$2,698,128
Expenses
$2,514,698
Net income
$183,430
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.93$0.10$5.83$3.47$3.55$0.08
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.03$0.21$5.83$5.18$2.04$3.14
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.75$0.16$2.59$2.77$1.80$0.96
2021Detailed filing. Detailed filing data is available for this year.$1.78$0.09$1.69$2.70$2.51$0.18
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.59$0.10$1.49$5.23$4.03$1.21
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.27$0.00$0.27$0.31$0.24$0.07
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.18$0.00$0.18$0.13$0.19$0.05
2017Detailed filing. Detailed filing data is available for this year.$0.27$0.02$0.25$0.07$0.16$0.09
2016Detailed filing. Detailed filing data is available for this year.$0.34$0.16$0.18$0.09$0.12$0.03
2015Detailed filing. Detailed filing data is available for this year.$0.38$0.21$0.17$0.11$0.14$0.04
2014Detailed filing. Detailed filing data is available for this year.$0.42$0.20$0.22$0.09$0.17$0.09
2013Summary only. Only limited summary data is available for this year.$0.46$0.14$0.08$0.17$0.09
2012Summary only. Only limited summary data is available for this year.$0.54$0.13$0.41$0.15$0.32$0.17
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.69$0.10$0.59$0.30
2008XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.76$0.10$0.66$0.28