Civic Intelligence

Northern California Community Loan Fund

990 • Fiscal year 2014 • EIN 94-3032394

Oct 01, 2013 to Sep 30, 2014 • Filed on Mar 24, 2015

Organization ProfileWWW.NCCLF.ORG

View Organization Page

870 Market Street No 67794102

(415) 392-8216

Siviq Scores

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

Liabilities / Assets

79th percentile

0.69x

Higher debt load relative to assets than 79% of similar nonprofits.

2014 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

95th percentile

6.18x

Higher debt load relative to revenue than 95% of similar nonprofits.

2014 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2014

Net Margin

78th percentile

21%

Higher net margin than 78% of similar nonprofits.

2014 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

15th percentile

$164,012

Higher top officer pay than 15% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

2014 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2014

Asset Growth

80th percentile

15%

Faster asset growth than 80% of similar nonprofits.

2014 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

68th percentile

12%

Faster revenue growth than 68% of similar nonprofits.

2014 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2011 to 2014

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$53,858,978

Up $6,844,345 (+15%) from 2013

Net Assets

Up

$16,786,960

Up $1,569,971 (+10%) from 2013

Liabilities

Up

$37,072,018

Up $5,274,374 (+17%) from 2013

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin78th percentile

Revenue

$5,995,327

No earlier filing loaded for comparison.

Expenses

Up

$4,706,731

Up $371,790 (+8.6%) from 2013

Net Income

$1,288,596

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth80th percentile

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

$200M$150M$100M$50M$0Assets 2011: $40,614,532Liabilities 2011: $29,422,220Net Assets 2011: $11,192,3122011Assets 2012: $45,042,986Liabilities 2012: $30,489,156Net Assets 2012: $14,553,8302012Assets 2013: $47,014,633Liabilities 2013: $31,797,644Net Assets 2013: $15,216,9892013Assets 2014: $53,858,978Liabilities 2014: $37,072,018Net Assets 2014: $16,786,9602014Assets 2015: $59,355,993Liabilities 2015: $41,798,427Net Assets 2015: $17,557,5662015Assets 2016: $62,373,975Liabilities 2016: $43,410,901Net Assets 2016: $18,963,0742016Assets 2017: $76,514,626Liabilities 2017: $56,107,134Net Assets 2017: $20,407,4922017Assets 2018: $84,169,958Liabilities 2018: $58,879,893Net Assets 2018: $25,290,0652018Assets 2019: $90,244,194Liabilities 2019: $61,036,889Net Assets 2019: $29,207,3052019Assets 2020: $99,445,180Liabilities 2020: $69,511,671Net Assets 2020: $29,933,5092020Assets 2021: $118,645,783Liabilities 2021: $77,404,315Net Assets 2021: $41,241,4682021Assets 2022: $119,686,017Liabilities 2022: $82,179,276Net Assets 2022: $37,506,7412022Assets 2023: $129,891,649Liabilities 2023: $92,196,482Net Assets 2023: $37,695,1672023Assets 2024: $161,816,185Liabilities 2024: $112,664,111Net Assets 2024: $49,152,0742024

Highlighted filing

2014

Assets$53,858,978
Liabilities$37,072,018
Net Assets$16,786,960
Open 2014 Filing

Operations Trend

Revenue Growth68th percentile

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

$30M$20M$10M$0-$10MRevenue 2011: $4,282,586Expenses 2011: $3,315,001Net Income 2011: $967,5852011Expenses 2012: $4,825,8912012Expenses 2013: $4,334,9412013Revenue 2014: $5,995,327Expenses 2014: $4,706,731Net Income 2014: $1,288,5962014Revenue 2015: $7,281,365Expenses 2015: $5,971,527Net Income 2015: $1,309,8382015Revenue 2016: $7,106,831Expenses 2016: $6,251,908Net Income 2016: $854,9232016Revenue 2017: $7,872,481Expenses 2017: $6,902,986Net Income 2017: $969,4952017Revenue 2018: $12,488,077Expenses 2018: $7,534,710Net Income 2018: $4,953,3672018Revenue 2019: $12,416,145Expenses 2019: $8,738,413Net Income 2019: $3,677,7322019Revenue 2020: $11,934,054Expenses 2020: $11,569,984Net Income 2020: $364,0702020Revenue 2021: $20,656,685Expenses 2021: $8,976,444Net Income 2021: $11,680,2412021Revenue 2022: $13,288,785Expenses 2022: $11,678,145Net Income 2022: $1,610,6402022Revenue 2023: $10,403,968Expenses 2023: $13,889,814Net Income 2023: -$3,485,8462023Revenue 2024: $24,622,332Expenses 2024: $16,578,910Net Income 2024: $8,043,4222024

Highlighted filing

2014

Revenue$5,995,327
Expenses$4,706,731
Net Income$1,288,596
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2013 to Sep 30, 2014
Signed
Mar 24, 2015
Return Version
2013v4.0
Gross Receipts
$14,268,531
Mission and Program Overview

Mission

The northern california community loan fund promotes economic justice and alleviates poverty by increasing the financial resilience and sustainability of community-based nonprofits and enterprises. Through flexible financial products and sound advice, we create opportunities to make socially responsible investments that revitalize northern california communities.

Ncclf provides financing and financial expertise to strengthen low-income communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$22,967,047$25,262,082▲ $2,295,035
Investments in Publicly Traded Securities$13,932,812$17,581,391▲ $3,648,579
Savings and Temporary Cash Investments$6,790,899$8,000,745▲ $1,209,846
Investments Other Securities$700,260$703,623▲ $3,363
Accounts Receivable$334,110$477,779▲ $143,669
Prepaid Expenses and Deferred Charges$93,078$126,397▲ $33,319
Loans From Officers Directors$140,675$116,208▼ $24,467
Pledges and Grants Receivable-$100,000-
Cash and Non-Interest-Bearing Accounts$305,120$89,128▼ $215,992
Land, Buildings, and Equipment, Net$36,815$33,412▼ $3,403
Investments Program Related$7,043$8,405▲ $1,362
Total Assets$47,014,633$53,858,978▲ $6,844,345
Other Assets Total$1,847,449$1,476,016▼ $371,433
Liabilities
Unsecured Notes Loans Payable$29,338,210$34,660,711▲ $5,322,501
Other Liabilities$1,633,536$1,285,774▼ $347,762
Deferred Revenue$385,167$575,204▲ $190,037
Accounts Payable and Accrued Expenses$300,056$434,121▲ $134,065
Total Liabilities$31,797,644$37,072,018▲ $5,274,374
Net Assets / Fund Balance
Unrestricted Net Assets$15,127,186$16,514,374▲ $1,387,188
Temporarily Rstr Net Assets$89,803$272,586▲ $182,783
Total Net Assets Fund Balance$15,216,989$16,786,960▲ $1,569,971
Total Liabilities and Net Assets / Fund Balance$47,014,633$53,858,978▲ $6,844,345

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$20,488$179,958$200,446
Leasehold Improvements$12,924$13,782$26,706
Compensation and Service Providers
Top Officer Pay15th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mary RogierPresidentFT$143,954$20,058$164,012
Joanne LeeDirector of Financial ConsultingFT$119,090$17,860$136,950
Daniel McdonaldDeputy Director of LendingFT$115,713$19,840$135,553
E Ross CulverwellDirector of LendingFT$113,254$16,625$129,879
C Lea SalemDirector of FinanceFT$113,564$14,574$128,138
Sherry SimmonsDirector of Resource DevelopmentFT$106,840$20,948$127,788

Board Members and Trustees

NameTitle
Kirke WilsonBoard Chair
Ann CameronBoard Vice-chair
Amy RassenBoard Member
Andre MadieraBoard Member
Anita AddisonBoard Member
Anna YeeBoard Member
Colby DaileyBoard Member
Elizabeth BoardmanBoard Member
Ilana SchatzBoard Member
John Sedlander Thru 412014Board Member
Linda BoesseneckerBoard Member
Patricia GopaulBoard Member
Margaret StoneSecretary
Lydia TanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$2,300,740
Program Service Revenue
$3,196,217
Investment Income
$493,281
Other Revenue
$5,089
All Other Contributions
$1,119,692
Change in Net Assets
$1,288,596

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
Yes
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeContribution CountReported AmountValuation Method
Intellectual Property2$42,500Fair Market Value (FMV)
Securities Publicly Traded4$5,142Fair Market Value (FMV)
Total Noncash Contributions6$47,642-

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,180,607
Revenue Not Reported on Financial Statements
$814,720
Revenue Not Reported on Form 990
$366,966
Total Revenue per Audited Statements
$5,547,573
Total Revenue per Form 990
$5,995,327
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,795,892
Other Expenses$1,910,839
Total Fundraising Expense$255,884
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,791,769$53,342$145,846$1,990,957
Interest$773,522--$773,522
Current Officers, Directors, Trustees, and Key Employees$204,961$63,212$22,535$290,708
Other Employee Benefits$230,355$9,501$18,580$258,436
Fees for Services Other$233,569$13,078$1,511$248,158
Occupancy$197,221$11,008$16,616$224,845
Payroll Taxes$146,309$8,321$12,166$166,796
Pension Plan Contributions$79,992$4,958$4,045$88,995
Office Expenses$71,794$4,934$6,391$83,119
Advertising$49,961$1,986$11,899$63,846
Insurance$50,466$9,436$325$60,227
Fees for Service Investment Mgmnt Fees$37,219$16,479-$53,698
Fees for Services Legal$38,465$3,280-$41,745
Fees for Services Accounting$36,620$1,917$2,893$41,430
Conferences and Meetings$29,138$6,895$5,319$41,352
Travel$17,449$3,897$2,941$24,287
Information Technology$19,857$525$793$21,175
Depreciation Depletion$15,938$942$1,422$18,302
Other Expenses$20,255$12,974$1,303$12,974
All Other Expenses-$6,079-$6,079
Total Functional Expenses$4,216,294$234,553$255,884$4,706,731

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$4,706,731
Total Expenses per Audited Statements$3,977,602
Expenses per Audited Statements$3,892,011
Expenses Not Reported on Financial Statements$814,720
Expenses Not Reported on Form 990$85,591
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$17,500
Fundraising Direct Expenses$12,411
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Event 1$55,180$17,500$5,308$12,192
Total Events$55,180$17,500$12,411$5,089
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
Loans from Officers, Directors, Trustees, and Key Employees$140,675$116,208▼ $24,467
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Funds Held in Trust$1,026,386
Accrued Interest Payable$259,388
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
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 11

“All board members receive a copy of the form 990 before it is filed. Board members are encouraged to review the form 990 and forward their question to the director of finance & administration or to ncclf's accounting firm who addresses these questions. The finance committee reviews the form in detail prior to filing and recommends the filing of the return to the full board of directors.”

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

“All staff and board members complete a disclosure form annually. Discussion and disclosure are included in regular board and committee meetings, as appropriate. If an actual conflict exists, the person involved is to recuse themselves from taking action on the transaction.”

Form 990, Part VI, Section B, Line 15

“The personnel committee and executive committee of the board of directors reviewed salary information for similar positions at other nonprofit and community development financial institutions. They conducted performance evaluations and set compensations based on ncclf's overall salary structure informed by comparable salary data. All discussions were documented contemporaneously and the decisions are maintained in the organization's files.”

Form 990, Part VI, Section C, Line 19

“The organization's governing documents, conflict of interest policy, and financial statements are available upon request for the same period of time set forth in sec. 6104(d).”

Filing and Contact Details

Filer

EIN
94-3032394
Phone
4153928216

Signing Officer

Name
Mary a Rogier
Title
President
Phone
4153928215
Signed
2015-03-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mary a Rogier
Formed
1987
Legal Domicile
CA
Voting Board Members
13
Independent Board Members
11
Employees
28
Volunteers
25

Preparer

Preparer
Maga E Kisriev
Phone
4157810793
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“Ncclf is exempt from federal income taxes under section 501(c)(3) of the internal revenue code and the related california code sections. With few exceptions, ncclf continues to remain subject to examination by u.s. Federal authorities for tax years 2011 through 2013 and for california state authorities for tax years 2010 through 2013.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Bad debt expense net with revenue -12,974. Other interest expense net with revenue -6,078.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Bad debt expense net with revenue -12,974. Other interest expense net with revenue -6,078.”

Raw XML AppendixShowing 400 of 961 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/Desc0DIRECT LENDING: SINCE 1987, NCCLF HAS MADE 331 LOANS TOTALING $112 MILLION TO NONPROFITS SERVING LOW-INCOME COMMUNITIES IN NORTHERN CALIFORNIA, LEVERAGING OVER $1.2 BILLION IN ADDITIONAL PROJECT FUNDING. THESE LOANS HAVE HELPED CREATE OR PRESERVE 6,324 AFFORDABLE HOUSING UNITS FOR LOW-INCOME FAMILIES AND INDIVIDUALS, AND FINANCED OVER 1.7 MILLION SQUARE FEET OF NEIGHBORHOOD-SERVING NONPROFIT AND RETAIL SPACE. THESE LOANS HAVE ALSO HELPED CREATE OR PRESERVE 15,436 PERMANENT AND CONSTRUCTION JOBS, AND HELPED FINANCE PROJECTS BY ORGANIZATIONS THAT SERVE OVER 847,000 INDIVIDUALS. AT THE END OF FY14, NCCLF MANAGED A PORTFOLIO OF 47 LOANS WORTH $27.8 MILLION TO 43 NONPROFIT AND COMMUNITY-ORIENTED ORGANIZATIONS. DURING THE COURSE OF FY14, NCCLF CLOSED 17 LOANS TOTALING $6.5 MILLION.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1617860
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1716625
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1820948
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1919840
IRS990/Form990PartVIISectionAGrp/PersonNm0KIRKE WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm1ANN CAMERON
IRS990/Form990PartVIISectionAGrp/PersonNm2LYDIA TAN
IRS990/Form990PartVIISectionAGrp/PersonNm3MARGARET STONE
IRS990/Form990PartVIISectionAGrp/PersonNm4ELIZABETH BOARDMAN
IRS990/Form990PartVIISectionAGrp/PersonNm5ANDRE MADIERA
IRS990/Form990PartVIISectionAGrp/PersonNm6AMY RASSEN
IRS990/Form990PartVIISectionAGrp/PersonNm7ANITA ADDISON
IRS990/Form990PartVIISectionAGrp/PersonNm8PATRICIA GOPAUL
IRS990/Form990PartVIISectionAGrp/PersonNm9ILANA SCHATZ
IRS990/Form990PartVIISectionAGrp/PersonNm10ANNA YEE
IRS990/Form990PartVIISectionAGrp/PersonNm11JOHN SEDLANDER THRU 412014
IRS990/Form990PartVIISectionAGrp/PersonNm12LINDA BOESSENECKER
IRS990/Form990PartVIISectionAGrp/PersonNm13COLBY DAILEY
IRS990/Form990PartVIISectionAGrp/PersonNm14MARY ROGIER
IRS990/Form990PartVIISectionAGrp/PersonNm15C LEA SALEM
IRS990/Form990PartVIISectionAGrp/PersonNm16JOANNE LEE
IRS990/Form990PartVIISectionAGrp/PersonNm17E ROSS CULVERWELL
IRS990/Form990PartVIISectionAGrp/PersonNm18SHERRY SIMMONS
IRS990/Form990PartVIISectionAGrp/PersonNm19DANIEL MCDONALD
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14143954
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15113564
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16119090
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17113254
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18106840
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19115713
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE-CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR OF FINANCIAL CONSULTING
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR OF RESOURCE DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt19DEPUTY DIRECTOR OF LENDING
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01987
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd01
IRS990/FundraisingAmt037680
IRS990/FundraisingDirectExpensesAmt012411
IRS990/FundraisingGrossIncomeAmt017500
IRS990/GainOrLossGrp/SecuritiesAmt0-40966
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt013
IRS990/GovernmentGrantsAmt01143368
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt08219827
IRS990/GrossReceiptsAmt014268531
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt0793
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt0525
IRS990/InformationTechnologyGrp/ProgramServicesAmt019857
IRS990/InformationTechnologyGrp/TotalAmt021175
IRS990/InsuranceGrp/FundraisingAmt0325
IRS990/InsuranceGrp/ManagementAndGeneralAmt09436
IRS990/InsuranceGrp/ProgramServicesAmt050466
IRS990/InsuranceGrp/TotalAmt060227
IRS990/InterestGrp/ProgramServicesAmt0773522
IRS990/InterestGrp/TotalAmt0773522
IRS990/InvestmentIncomeGrp/ExclusionAmt0534247
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0534247
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0700260
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0703623
IRS990/InvestmentsProgramRelatedGrp/BOYAmt07043
IRS990/InvestmentsProgramRelatedGrp/EOYAmt08405
IRS990/InvestmentsPubTradedSecGrp/BOYAmt013932812
IRS990/InvestmentsPubTradedSecGrp/EOYAmt017581391
IRS990/IRPDocumentCnt0138
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0193740
IRS990/LandBldgEquipBasisNetGrp/BOYAmt036815
IRS990/LandBldgEquipBasisNetGrp/EOYAmt033412
IRS990/LandBldgEquipCostOrOtherBssAmt0227152
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt08260793
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt0140675
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt0116208
IRS990/LobbyingActivitiesInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE NORTHERN CALIFORNIA COMMUNITY LOAN FUND PROMOTES ECONOMIC JUSTICE AND ALLEVIATES POVERTY BY INCREASING THE FINANCIAL RESILIENCE AND SUSTAINABILITY OF COMMUNITY-BASED NONPROFITS AND ENTERPRISES. THROUGH FLEXIBLE FINANCIAL PRODUCTS AND SOUND ADVICE, WE CREATE OPPORTUNITIES TO MAKE SOCIALLY RESPONSIBLE INVESTMENTS THAT REVITALIZE NORTHERN CALIFORNIA COMMUNITIES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt015216989
IRS990/NetAssetsOrFundBalancesEOYAmt016786960
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-40966
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-40966
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt05089
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt05089
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0281375
IRS990/NoncashContributionsAmt047642
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt016616
IRS990/OccupancyGrp/ManagementAndGeneralAmt011008
IRS990/OccupancyGrp/ProgramServicesAmt0197221
IRS990/OccupancyGrp/TotalAmt0224845
IRS990/OfficeExpensesGrp/FundraisingAmt06391
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt04934
IRS990/OfficeExpensesGrp/ProgramServicesAmt071794
IRS990/OfficeExpensesGrp/TotalAmt083119
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01847449
IRS990/OtherAssetsTotalGrp/EOYAmt01476016
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt018580
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt09501
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0230355
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0258436
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1SOFTWARE
IRS990/OtherExpensesGrp/Desc2FEES AND LICENSES
IRS990/OtherExpensesGrp/Desc3BAD DEBT EXPENSE
IRS990/OtherExpensesGrp/FundraisingAmt01299
IRS990/OtherExpensesGrp/FundraisingAmt11303
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0859
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1930
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt212974
IRS990/OtherExpensesGrp/ProgramServicesAmt0125951
IRS990/OtherExpensesGrp/ProgramServicesAmt145483
IRS990/OtherExpensesGrp/ProgramServicesAmt220255
IRS990/OtherExpensesGrp/TotalAmt0125951
IRS990/OtherExpensesGrp/TotalAmt147641
IRS990/OtherExpensesGrp/TotalAmt222488
IRS990/OtherExpensesGrp/TotalAmt312974
IRS990/OtherLiabilitiesGrp/BOYAmt01633536
IRS990/OtherLiabilitiesGrp/EOYAmt01285774
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt0145846
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt053342
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01791769
IRS990/OtherSalariesAndWagesGrp/TotalAmt01990957
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt022967047
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt025262082
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt012166
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt08321
IRS990/PayrollTaxesGrp/ProgramServicesAmt0146309
IRS990/PayrollTaxesGrp/TotalAmt0166796
IRS990/PensionPlanContributionsGrp/FundraisingAmt04045
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt04958
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt079992
IRS990/PensionPlanContributionsGrp/TotalAmt088995
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0100000
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt093078
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0126397
IRS990/PrincipalOfficerNm0MARY A ROGIER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522200
IRS990/ProgramServiceRevenueGrp/BusinessCd1522200
IRS990/ProgramServiceRevenueGrp/BusinessCd2541900
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON COMMUNITY LOANS
IRS990/ProgramServiceRevenueGrp/Desc1LOAN FEES/NMTC FEES
IRS990/ProgramServiceRevenueGrp/Desc2CONSULTING AND FISCAL AGENT FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01664540
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1887527
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2644150
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01664540
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1887527
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2644150
IRS990/ProgSrvcAccomActy2Grp/Desc0CONSULTING AND TRAINING: SINCE THE INCEPTION OF OUR CONSULTING & TRAINING PROGRAM, NCCLF HAS PROVIDED 385 CONSULTING ENGAGEMENTS IN REAL ESTATE AND NONPROFIT FINANCIAL MANAGEMENT, AND SERVED 1,852 ORGANIZATIONS THROUGH WORKSHOPS ON THESE TOPICS. DURING FY14, THE PROGRAM PROVIDED OVER 4500 HOURS OF CONSULTING SERVICE, COMPLETED 56 CONSULTING ENGAGEMENTS, AND REACHED 288 ORGANIZATIONS THROUGH WORKSHOPS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt01336591
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0644150
IRS990/ProgSrvcAccomActy3Grp/Desc0NEW MARKETS TAX CREDIT: NCCLF HAS $113 MILLION IN NEW MARKETS TAX CREDIT (NMTC) ALLOCATION FOR USE IN OUR 46 NORTHERN AND CENTRAL CALIFORNIA COUNTIES. THE TAX CREDITS ALLOW US TO MAKE INVESTMENT CAPITAL AVAILABLE TO BUSINESSES AND NONPROFITS IN QUALIFYING LOW-INCOME COMMUNITIES, CREATING JOBS AND SPURRING ADDITIONAL ECONOMIC DEVELOPMENT. DURING FY14, NCCLF PROVIDED $14 MILLION OF ALLOCATION TO FINANCE TWO PROJECTS AND WAS WORKING TO DEPLOY ANOTHER $33 MILLION INTO FOUR MORE PROJECTS. OUR NMTC PROGRAM HAS HELPED TO CREATE OR PRESERVE 3,039 JOBS, CREATED 199,316 SQUARE FEET OF COMMUNITY FACILITY SPACE, HELPED TO DEVELOP 54 UNITS OF AFFORDABLE HOUSING AND LEVERAGED AN ADDITIONAL $145 MILLION IN PRIVATE INVESTMENT. ALMOST 200,000 INDIVIDUALS WILL BE SERVED BY THE PROJECTS DEVELOPED USING THESE FUNDS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0465710
IRS990/ProgSrvcAccomActyOtherGrp/Desc0CAPITALIZATION: NCCLF WAS FOUNDED BY COMMUNITY RESIDENTS AS A VEHICLE TO CHANNEL CAPITAL FROM SOCIALLY RESPONSIBLE AND MISSION MOTIVATED INVESTORS TO PROJECTS THAT BENEFIT LOW INCOME PEOPLE. AT THE END OF FY2014 INVESTMENTS MADE BY BANKS, FOUNDATIONS, GOVERNMENT ENTITIES, INDIVIDUALS, RELIGIOUS ORGANIZATIONS, NONPROFIT ORGANIZATIONS AND HOSPITAL SYSTEMS INTO OUR REVOLVING LOAN FUND TOTALED $34.8 MILLION. NEW PROGRAM DEVELOPMENT ISOLATES RESEARCH AND DEVELOPMENT COSTS FOR DEVELOPING NEW PROGRAMS AND PRODUCTS THAT WILL IMPROVE THE LIVES OF LOW INCOME PEOPLE AND COMMUNITIES.
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt0529261
IRS990/ProhibitedTaxShelterTransInd00

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$53,858,978
Liabilities
$37,072,018
Net assets
$16,786,960
Revenue
$5,995,327
Expenses
$4,706,731
Net income
$1,288,596
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$162$113$49.2$24.6$16.6$8.04
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$130$92.2$37.7$10.4$13.9$3.49
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$120$82.2$37.5$13.3$11.7$1.61
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$119$77.4$41.2$20.7$8.98$11.7
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$99.4$69.5$29.9$11.9$11.6$0.36
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$90.2$61.0$29.2$12.4$8.74$3.68
2018Summary only. Only limited summary data is available for this year.$84.2$58.9$25.3$12.5$7.53$4.95
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$76.5$56.1$20.4$7.87$6.90$0.97
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$62.4$43.4$19.0$7.11$6.25$0.85
2015Detailed filing. Detailed filing data is available for this year.$59.4$41.8$17.6$7.28$5.97$1.31
2014Detailed filing. Detailed filing data is available for this year.$53.9$37.1$16.8$6.00$4.71$1.29
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.0$31.8$15.2$4.33
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.0$30.5$14.6$4.83
2011Summary only. Only limited summary data is available for this year.$40.6$29.4$11.2$4.28$3.32$0.97