Civic Intelligence

Rural Community Assistance Corporation

EIN 94-2512284 • 501(c)3 • West Sacramento, CA

View Organization Page

Profile

RCAC PRovides technical assistance, training, and financing so rural communities achieve their goals and visions.

3120 Freeboard Drive 201West Sacramento, CA 95691

www.rcac.org

Siviq Scores

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

Liabilities / Assets

66th percentile

0.48x

Higher debt load relative to assets than 66% of similar nonprofits.

501(c)3 • $250M-$1B nonprofits • Source year 2025

Liabilities / Revenue

80th percentile

1.36x

Higher debt load relative to revenue than 80% of similar nonprofits.

501(c)3 • $250M-$1B nonprofits • Source year 2025

Net Margin

88th percentile

36%

Higher net margin than 88% of similar nonprofits.

501(c)3 • $250M-$1B nonprofits • Source year 2025

Top Officer Pay

17th percentile

$384,375

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 0.4% of source-year revenue.

501(c)3 • $250M-$1B nonprofits • Source year 2025

Asset Growth

84th percentile

17%

Faster asset growth than 84% of similar nonprofits.

501(c)3 • $250M-$1B nonprofits • Annualized from 2024 to 2025

Revenue Growth

90th percentile

54%

Faster revenue growth than 90% of similar nonprofits.

501(c)3 • $250M-$1B nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$257,468,340

Up $36,744,521 (+17%) from 2024

Liabilities

Up

$123,977,878

Up $4,254,933 (+3.6%) from 2024

Net Assets

Up

$133,490,462

Up $32,489,588 (+32%) from 2024

Operations
Liabilities / Revenue80th percentileNet Margin88th percentile

Revenue

Up

$90,831,834

Up $32,040,006 (+54%) from 2024

Expenses

Up

$58,544,027

Up $8,198,641 (+16%) from 2024

Net Income

Up

$32,287,807

Up $23,841,365 (+282%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth84th percentile

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

$300M$200M$100M$0Assets 2011: $80,967,513Liabilities 2011: $57,970,471Net Assets 2011: $22,997,0422011Assets 2012: $81,020,262Liabilities 2012: $57,084,109Net Assets 2012: $23,936,1532012Assets 2013: $79,402,726Liabilities 2013: $51,324,671Net Assets 2013: $28,078,0552013Assets 2014: $85,987,724Liabilities 2014: $55,814,149Net Assets 2014: $30,173,5752014Assets 2015: $90,228,239Liabilities 2015: $57,374,136Net Assets 2015: $32,854,1032015Assets 2016: $98,216,748Liabilities 2016: $63,650,797Net Assets 2016: $34,565,9512016Assets 2017: $96,082,871Liabilities 2017: $59,099,492Net Assets 2017: $36,983,3792017Assets 2018: $103,307,708Liabilities 2018: $60,710,697Net Assets 2018: $42,597,0112018Assets 2019: $120,171,696Liabilities 2019: $75,363,452Net Assets 2019: $44,808,2442019Assets 2021: $208,729,565Liabilities 2021: $128,505,966Net Assets 2021: $80,223,5992021Assets 2022: $196,708,835Liabilities 2022: $111,520,849Net Assets 2022: $85,187,9862022Assets 2023: $196,674,615Liabilities 2023: $104,760,211Net Assets 2023: $91,914,4042023Assets 2024: $220,723,819Liabilities 2024: $119,722,945Net Assets 2024: $101,000,8742024Assets 2025: $257,468,340Liabilities 2025: $123,977,878Net Assets 2025: $133,490,4622025

Highlighted filing

2025

Assets$257,468,340
Liabilities$123,977,878
Net Assets$133,490,462
Open 2025 Filing

Operations Trend

Revenue Growth90th percentile

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

$100M$50M$0Expenses 2011: $13,829,4522011Revenue 2012: $13,969,978Expenses 2012: $13,169,787Net Income 2012: $800,1912012Revenue 2013: $18,160,629Expenses 2013: $14,074,267Net Income 2013: $4,086,3622013Revenue 2014: $15,375,604Expenses 2014: $13,348,370Net Income 2014: $2,027,2342014Revenue 2015: $16,922,646Expenses 2015: $14,231,691Net Income 2015: $2,690,9552015Revenue 2016: $16,715,829Expenses 2016: $16,110,145Net Income 2016: $605,6842016Revenue 2017: $18,927,397Expenses 2017: $16,612,853Net Income 2017: $2,314,5442017Revenue 2018: $24,246,331Expenses 2018: $18,744,774Net Income 2018: $5,501,5572018Revenue 2019: $24,229,404Expenses 2019: $22,018,171Net Income 2019: $2,211,2332019Revenue 2021: $52,189,041Expenses 2021: $23,675,555Net Income 2021: $28,513,4862021Revenue 2022: $32,872,425Expenses 2022: $28,141,299Net Income 2022: $4,731,1262022Revenue 2023: $39,665,671Expenses 2023: $34,132,281Net Income 2023: $5,533,3902023Revenue 2024: $58,791,828Expenses 2024: $50,345,386Net Income 2024: $8,446,4422024Revenue 2025: $90,831,834Expenses 2025: $58,544,027Net Income 2025: $32,287,8072025

Highlighted filing

2025

Revenue$90,831,834
Expenses$58,544,027
Net Income$32,287,807
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$257,468,340
Liabilities
$123,977,878
Net assets
$133,490,462
Revenue
$90,831,834
Expenses
$58,544,027
Net income
$32,287,807
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$257$124$133$90.8$58.5$32.3
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$221$120$101$58.8$50.3$8.45
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$197$105$91.9$39.7$34.1$5.53
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$197$112$85.2$32.9$28.1$4.73
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$209$129$80.2$52.2$23.7$28.5
2019Summary only. Only limited summary data is available for this year.$120$75.4$44.8$24.2$22.0$2.21
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$103$60.7$42.6$24.2$18.7$5.50
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$96.1$59.1$37.0$18.9$16.6$2.31
2016Detailed filing. Detailed filing data is available for this year.$98.2$63.7$34.6$16.7$16.1$0.61
2015Detailed filing. Detailed filing data is available for this year.$90.2$57.4$32.9$16.9$14.2$2.69
2014Detailed filing. Detailed filing data is available for this year.$86.0$55.8$30.2$15.4$13.3$2.03
2013Summary only. Only limited summary data is available for this year.$79.4$51.3$28.1$18.2$14.1$4.09
2012Summary only. Only limited summary data is available for this year.$81.0$57.1$23.9$14.0$13.2$0.80
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.0$58.0$23.0$13.8
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2024 to Sep 30, 2025
Signed
Mar 17, 2026
Return Version
2024v5.2
Gross Receipts
$90,968,489
Mission and Program Overview

Mission

RCAC provides training, technical and financial resources and advocacy so rural communities achieve their goals and visions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$126,879,229$145,081,468▲ $18,202,239
Savings and Temporary Cash Investments$59,582,277$83,083,607▲ $23,501,330
Pledges and Grants Receivable$17,316,257$12,966,409▼ $4,349,848
Cash and Non-Interest-Bearing Accounts$9,218,392$8,626,016▼ $592,376
Accounts Receivable$1,720,423$2,870,092▲ $1,149,669
Prepaid Expenses and Deferred Charges$1,628,966$1,220,575▼ $408,391
Land, Buildings, and Equipment, Net$1,427,668$1,186,387▼ $241,281
Investments Other Securities$318,960$372,897▲ $53,937
Investments in Publicly Traded Securities$271,060$324,517▲ $53,457
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$220,723,819$257,468,340▲ $36,744,521
Other Assets Total$2,360,587$1,736,372▼ $624,215
Liabilities
Mortgage Notes Payable Secured by Investment Property$110,186,974$114,758,082▲ $4,571,108
Accounts Payable and Accrued Expenses$5,604,025$5,056,277▼ $547,748
Unsecured Notes Loans Payable$3,442,787$3,479,902▲ $37,115
Other Liabilities$401,529$473,396▲ $71,867
Grants Payable$87,630$210,221▲ $122,591
Total Liabilities$119,722,945$123,977,878▲ $4,254,933
Net Assets / Fund Balance
Net Assets With Donor Restrictions$55,823,307$79,622,201▲ $23,798,894
Net Assets Without Donor Restrictions$45,177,567$53,868,261▲ $8,690,694
Total Net Assets Fund Balance$101,000,874$133,490,462▲ $32,489,588
Total Liabilities and Net Assets / Fund Balance$220,723,819$257,468,340▲ $36,744,521

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$302,190$2,392,272$2,694,462
Leasehold Improvements$389,271$1,749,571$2,138,842
Equipment$67,926$1,023,834$1,091,760
Land$427,000-$427,000
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Suzanne Anarde-DevenportCEOFT$341,445$42,930$384,375
Cynthia SpencerCOOFT$198,166$36,817$234,983
Murat UnalCFOFT$207,125$27,716$234,841
Ari NeumannCipoFT$182,809$30,838$213,647
Juanita HallstromDirector, Loan FundFT$161,217$34,453$195,670
Anjali ShethControllerFT$155,547$39,052$194,599
David FerrierDirector, Housing Prog.FT$163,605$23,672$187,277
Julia HelmreichDirector, Comms, Dev & EventsFT$164,100$23,097$187,197
Robert LongmanLoan Prod & CreditFT$142,826$20,977$163,803
Erika HolzhauerAsst Director HousingFT$124,761$30,439$155,200
Carol CohenAsst. Director Econ DevFT$123,215$31,832$155,047
Michael BoydAsst. Director C&ESFT$122,140$32,208$154,348

Board Members and Trustees

NameTitle
Frank BravoPresident
Claudia O'GradyVice President
Doris MorganBoard Member
Jackie Qatalina SchaefferBoard Member
Keoni LeeBoard Member
Martin MillerBoard Member
Robert ApodacaBoard Member
Kate HammarbackInt. Secretary
Andres CanoTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$79,957,196
Program Service Revenue
$7,721,475
Investment Income
$3,021,730
Other Revenue
$131,433
All Other Contributions
$8,358,600
Change in Net Assets
$32,287,807

Audited Revenue Reconciliation

Revenue per Audited Statements
$90,831,834
Revenue Not Reported on Form 990
$338,436
Total Revenue per Audited Statements
$91,170,270
Total Revenue per Form 990
$90,831,834
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$30,790,838
Other Expenses$23,883,934
Grants and Similar Amounts Paid$3,869,255
Total Fundraising Expense$634,738
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$14,373,153$3,861,254$289,534$18,523,941
Fees for Services Other$11,493,963$593,314-$12,087,277
Other Employee Benefits$8,125,297$2,152,004$162,779$10,440,080
Grants to Domestic Orgs$3,869,255--$3,869,255
Travel$2,205,905$428,048-$2,633,953
Interest$2,383,017--$2,383,017
Current Officers, Directors, Trustees, and Key Employees$1,417,723$380,545$28,549$1,826,817
All Other Expenses$10,268,122$-9,317,998$153,876$1,104,000
Information Technology$278,792$556,298-$835,090
Occupancy-$573,953-$573,953
Other Expenses$382,394$489,401-$382,394
Insurance$113,713$87,960-$201,673
Advertising$3,045$113,478-$116,523
Conferences and Meetings$84,928$14,861-$99,789
Depreciation Depletion-$44,354-$44,354
Total Functional Expenses$57,716,668$192,621$634,738$58,544,027

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$58,680,682
Expenses per Audited Statements$58,544,027
Total Expenses per Form 990$58,544,027
Expenses Not Reported on Form 990$136,655
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Various OthersWest Sacramento, CA501 (c) (3)Various Others w/out loan #s$1,966,380
Warner Unified School DistricWarner Springs, CA501 (c) (3)A4a-bw4s$190,299
Willamette PartnershipPortland, OR-EFC_REGION10_BIL_FED$161,232
Startup TucsonTucson, AZ501 (c) (3)VECTOR_CLI$155,000
LOCAL FIRST ARIZONA FndnPhoenix, AZ501 (c) (3)VECTOR_CLI$125,000
New Mexico Community CapitalAlbuquerque, NM501 (c) (3)VECTOR_CLI$125,000
Marysville Joint Unified SchMarsville, CA501 (c) (3)SWRCB_BW4S$122,395
Community in ActionOntario, OR501 (c) (3)Housing Counseling$96,853
Inland Fair Hsg & Mediation BOntario, CA501 (c) (3)Housing Counseling$69,713
HomesFundDurango, CO501 (c) (3)Housing Counseling$52,183
Mother Lode Job TrainingWest Sacramento, CA501 (c) (3)BUF_HCD_SNC_HUD$44,688
AccessMedford, OR501 (c) (3)Housing Counseling$42,497
Natl Affordable Hsg NetworkButte, MT501 (c) (3)Housing Counseling$41,141
Housing Solutions of N AZFlagstaff, AZ501 (c) (3)Housing Counseling$39,991
Moonshot MissionsBethesda, MD501 (c) (3)EFC_Region9_BIL$39,125
Nanakuli Housing CorporationHonolulu, HI501 (c) (3)Housing Counseling$38,171
University of OregonEugene, OR501 (c) (3)EFC_REGION10_BIL_FED$37,378
Ventura Cty Comm Dev CorpOxnard, CA501 (c) (3)Housing Counseling$37,282
Comite De Bien EstarSan Luis, AZ501 (c) (3)Housing Counseling$36,496
Southeast Idaho Council of GoPocatello, ID501 (c) (3)RCBGHUD_20_BRE_FED$35,441
Kodiak Economic Dev CorpKodiak, AK501 (c) (3)Rcdi23$27,471
Lutheran Social Svs of SocalSan Bernardino, CA501 (c) (3)Housing Counseling$26,614
Sustainable NorthwestPortland, OR501 (c) (3)EFC_R10_Multi$25,976
Collaborative VisionsMora, NM501 (c) (3)Rcbghud$24,750
Plenty Doors Comm Dev CorpCrow Agency, MT501 (c) (3)Rcbghud$22,996
W Arizona Council of GovYuma, AZ501 (c) (3)Housing Counseling$22,382
Kern County Superintendent ofBakersfield, CA501 (c) (3)A4A_DW4S-R2$21,575
Hmong-american Advisory CouncGrenada, CA501 (c) (3)A4A_DWR_SDRP$20,448
Beartooth Resource ConservatiJoliet, MT501 (c) (3)Rcbghud22$20,245
Chawanakee Unified School DisONeals, CA501 (c) (3)A4A_DW4S-R2$19,001
Spruce RootJuneau, AK501 (c) (3)Rcbghud22$18,590
Northern Coast Land ConservanSeaside, OR501 (c) (3)EFC_R10_Multi$14,833
Healthy Native Communities PaShiprock, NM501 (c) (3)Rcdi23$13,773
Santa Fe Comm Housing TrustSanta Fe, NM501 (c) (3)Hc23/24$13,477
Self-Help Enterprisesvisalia, CA501 (c) (3)Assist LEAs serving disadvantaged c$11,993
Diablo Water DistrictOakley, CA501 (c) (3)SAFER General$11,474
Wallowa ResourcesEnterprise, OR501 (c) (3)Rcdi22$10,000
Cahuilla Band of IndiansAnza, CA501 (c) (3)Rcdi23$9,796
Washoe Development CorpMiden, NV501 (c) (3)RCBGHUD20_BRE_FED$8,200
HR Dev Council of Distric IXBozeman, MT501 (c) (3)Rcbghud22$7,000
Golden Feather Union ElementOroville, CA501 (c) (3)Dw4s-r2$6,600
Coalition of Oregon Land TrusPortland, OR501 (c) (3)EFC_R10_multi$5,538
Mission Union School DistrictSoledad, CA501 (c) (3)A4A_DW4S-R2$5,363
The CA Endowment Polanco ParkLos Angeles, CA501(c)(3)Polanco Park Rehabilitation$0

International Summary

Employees
1
Spending
$11,218

International Compliance

Foreign grant records maintained
Yes
Activity in boycott countries
No
Foreign corporation ownership
No
Foreign partnership interest
No
Interest in foreign trust
No
Passive foreign investment company interest
No
Transfers to foreign corporations
No

International Activities

RegionActivityServicesOfficesEmployeesSpending
Marshall IslandsProgram ServicesHousing assistance01$11,218
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
Yes
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
Deferred Compensation Plan$382,877
Post Employment Benefit Liability$88,360
Security Deposit$2,159
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
Yes
Other officer compensation reviewed
Yes
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 form 990 is prepared by MUN, CPAs with the supporting documents provided by RCAC staff. The Controller and CFO review the form internally before and then submit the form for Finance Committees review and approval. Then the Finance Committee presents it to the Full Board and it is reviewed and approved by the board in their February Board meeting. At times, the Board requests changes to be made to the document. Once the form is revised, it is ready for our CEO or CFOs signature. After getting it signed by our CEO- Suzanne Anarde Devenport, or by our CFO- Murat Unal, we submit it to the IRS and then we post it on our website at www.rcac.org.”

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

“ALL STAFF ARE SUBJECT TO A CONFLICT OF INTEREST POLICY INCORPORATED INTO THE PERSONNEL PLAN. ADHERENCE TO AND MONITORING OF THE POLICY IS THE RESPONSIBILITY OF EACH EMPLOYEE, THEIR SUPERVISOR, AND THE HUMAN RESOURCES DEPARTMENT. IN ADDITION, ALL OFFICERS, BOARD OF DIRECTOR MEMBERS, AND SENIOR STAFF ARE SUBJECT TO AN ADDITIONAL "CONFLICT OF INTEREST AND CONFLICT OF LOYALTY POLICY". THIS ADDITIONAL POLICY REQUIRES ANNUAL REPORTING BY EACH PERSON AND PERIODIC REVIEWS BY INTERNAL OR EXTERNAL PARTIES.Senior Leadership Team (SLT) signs an attestation annually, either Grants and Contracts Administration (GCA) department or the CEO Executive Assistant oversees the process.”

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

“Per CA Integrity Act, RCAC Board reviews and approves CEO and CFO compensation package including last two years of annual compensation plus comparison with similar size, asset and revenue nonprofit organizations. Other top managements' compensation package, including senior leadership team, are being reviewed by Gallagher, professional independent compensation and reward specialist company to determine fair job market value of these positions annually.”

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

“We hired Gallagher, professional independent compensation and reward specialist company to determine fair job market value of all positions.”

Form 990, Part VI, Section C, Line 19

“The organization's financial statements are posted on the website. The governing documents and conflict of interest policy are not posted on the website. However, they are filed in our shared folders for staff reference and use. It is made available to the public whenever rcac receives a request for it.”

Filing and Contact Details

Filer

Filer Name
Rural Community Assistance Corporation
EIN
94-2512284
Phone
9164472854
Address
3120 Freeboard Drive 201, West Sacramento, CA 95691

Signing Officer

Name
Murat Unal
Title
CFO
Signed
2026-03-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Murat Unal
Formed
1978
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
277
Volunteers
9

Preparer

Firm
MUN CPAs LLP
Address
2901 Douglas Blvd Ste 290, Roseville, CA 95661
Preparer
Erica Pastor
Phone
9167744208
Supplemental Narrative

Financial Statement Notes

Part X : FIN48 Footnote

“Part X, Line 2: Accounting guidance issued by Financial Accounting Standards Board (FASB) prescribes a recognition threshold and measurement attribute for financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. For those benefits to be recognized, a tax position must be more-likely-than-not to be sustained upon examination by taxing authorities. The Organization did not have unrecognized tax benefits as of September 30, 2025 and 2024 and does not expect this to change significantly over the next twelve months. The Organization will recognize interest and penalties accrued on any unrecognized tax benefits as a component of income tax expense. As of September 30, 2025 and 2024, the Organization has not accrued interest or penalties related to uncertain tax positions.”

Part XI, Line 2D: Other revenue amounts included in F/S but not included on form 990

“Rental Operations Expense $136655”

Part XII, Line 2D: Other expenses and losses per audited F/S

“Rental Operations Expense $136655”

Raw XML AppendixShowing 400 of 1,309 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/BooksInCareOfDetail/PhoneNum09164479832
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03120 Freeboard Drive STE 201
IRS990/BooksInCareOfDetail/USAddress/CityNm0West Sacramento
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd095691
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