Civic Intelligence

Santa Cruz Community Ventures

990 • Fiscal year 2022 • EIN 77-0247648

Jan 01, 2022 to Dec 31, 2022 • Filed on Oct 25, 2023

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

(831) 200-1719

Siviq Scores

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

Liabilities / Assets

49th percentile

0.06x

Higher debt load relative to assets than 49% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Liabilities / Revenue

44th percentile

0.06x

Higher debt load relative to revenue than 44% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Net Margin

83rd percentile

35%

Higher net margin than 83% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Top Officer Pay

79th percentile

$129,860

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 4.7% of source-year revenue.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Asset Growth

89th percentile

54%

Faster asset growth than 89% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Revenue Growth

45th percentile

2.5%

Faster revenue growth than 45% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$2,747,879

Up $966,031 (+54%) from 2021

Net Assets

Up

$2,585,925

Up $893,137 (+53%) from 2021

Liabilities

Up

$161,954

Up $72,894 (+82%) from 2021

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin83rd percentile

Revenue

Up

$2,765,285

Up $67,157 (+2.5%) from 2021

Expenses

Down

$1,801,908

Down $712,790 (-28%) from 2021

Net Income

Up

$963,377

Up $779,947 (+425%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth89th 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

2022

Assets$2,747,879
Liabilities$161,954
Net Assets$2,585,925
Open 2022 Filing

Operations Trend

Revenue Growth45th 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

2022

Revenue$2,765,285
Expenses$1,801,908
Net Income$963,377
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Oct 25, 2023
Return Version
2022v5.0
Gross Receipts
$2,765,285
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$798,842$1,758,975▲ $960,133
Accounts Receivable$620,562$505,515▼ $115,047
Land, Buildings, and Equipment, Net$18,169$19,070▲ $901
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$1,781,848$2,747,879▲ $966,031
Other Assets Total$344,275$464,319▲ $120,044
Liabilities
Deferred Revenue-$103,500-
Accounts Payable and Accrued Expenses$89,060$58,454▼ $30,606
Total Liabilities$89,060$161,954▲ $72,894
Net Assets / Fund Balance
Net Assets With Donor Restrictions$1,455,157$1,689,903▲ $234,746
Net Assets Without Donor Restrictions$237,631$896,022▲ $658,391
Total Net Assets Fund Balance$1,692,788$2,585,925▲ $893,137
Total Liabilities and Net Assets / Fund Balance$1,781,848$2,747,879▲ $966,031

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$19,070$15,951$35,021
Other Assets Org$258,449--
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Maria CadenasExecutive DirectorFT$129,860$129,860

Board Members and Trustees

NameTitle
Darlene TorresChairman
Chris BennerVice Chairman
Caitlin BruneDirector
Elisa OronaDirector
Lorraine YglesiasDirector
Sigolene OrtegaSecretary
Divya SharmaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$2,758,052
Program Service Revenue
$6,201
Investment Income
$1,032
Other Revenue
$0
All Other Contributions
$2,316,265
Change in Net Assets
$963,377

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,765,285
Revenue Not Reported on Form 990
$-70,240
Total Revenue per Audited Statements
$2,695,045
Total Revenue per Form 990
$2,765,285
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$754,700
Salaries, Compensation, and Employee Benefits$720,500
Other Expenses$326,708
Total Fundraising Expense$58,166
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$754,700--$754,700
Other Salaries and Wages$387,189$43,851$33,715$464,755
Fees for Services Other$124,787$59,655$14,701$199,143
Current Officers, Directors, Trustees, and Key Employees$129,860--$129,860
Other Employee Benefits$69,742$4,502$4,726$78,970
Payroll Taxes$41,432$2,675$2,808$46,915
Occupancy$16,157$1,755$1,180$19,092
Depreciation Depletion-$9,185-$9,185
Other Expenses$6,691$698$90$7,389
Travel$7,074$30-$7,104
Insurance$4,392$354$500$5,246
Office Expenses$2,458$1,295-$3,753
All Other Expenses$2,101$1,131-$3,232
Advertising-$177-$177
Total Functional Expenses$1,609,796$133,946$58,166$1,801,908

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,801,908
Total Expenses per Audited Statements$1,801,908
Total Expenses per Form 990$1,801,908
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, Section B, Line 11B

“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, Section B, Line 12C

“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, Section C, Line 19

“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
8312001719
Address
PO BOX 2375, Watsonville, CA 95077

Signing Officer

Name
Maria Cadenas
Title
Executive Director
Signed
2023-10-25
Discuss with paid preparer
Yes

Organization Details

Formed
1989
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
15
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 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/OtherEmployeeBenefitsGrp/TotalAmt078970
IRS990/OtherExpensesGrp/Desc0DUES AND MEMBERSHIPS
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc2Printing and Publications
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IRS990/OtherExpensesGrp/TotalAmt29487
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06201
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06201
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 children's 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/ExpenseAmt0477504
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.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0327273
IRS990/ProgSrvcAccomActy3Grp/GrantAmt0198000
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt02697078
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt01821040
IRS990/PYInvestmentIncomeAmt064
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IRS990/PYOtherExpensesAmt0142408
IRS990/PYProgramServiceRevenueAmt0986
IRS990/PYRevenuesLessExpensesAmt0183430
IRS990/PYSalariesCompEmpBnftPaidAmt0551250
IRS990/PYTotalExpensesAmt02514698
IRS990/PYTotalRevenueAmt02698128
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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0963377
IRS990/RegularMonitoringEnfrcInd0true
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt05225897
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0293985
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0126637
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IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt01032
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IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt035
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt01090
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt06201
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IRS990ScheduleA/PublicOrganization170Ind0X
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0BENEFICIAL INT IN ASSETS HELD BY OTHERS
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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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IRS990ScheduleD/TotalBookValueOtherAssetsAmt0464319
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IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt169900
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0STIPEND - EMERGENCY CASH RELIEF
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt1WILD FIRE RELIEF FOR IMMIGRANTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt0283
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt130
IRS990ScheduleI/Total501c3OrgCnt00
IRS990ScheduleI/TotalOtherOrgCnt00
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IRS990/ScheduleORequiredInd0true
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,747,879
Liabilities
$161,954
Net assets
$2,585,925
Revenue
$2,765,285
Expenses
$1,801,908
Net income
$963,377
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
2022Detailed filing. Detailed filing data is available for this year.$2.75$0.16$2.59$2.77$1.80$0.96
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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