Civic Intelligence

Northern California Community Loan Fund

990 • Fiscal year 2016 • EIN 94-3032394

Oct 01, 2015 to Sep 30, 2016 • Filed on Mar 17, 2017

870 Market Street No 677San Francisco, CA 94102

(415) 392-8216

Siviq Scores

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

Liabilities / Assets

80th percentile

0.70x

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

2016 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

94th percentile

6.11x

Higher debt load relative to revenue than 94% of similar nonprofits.

2016 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2016

Net Margin

75th percentile

12%

Higher net margin than 75% of similar nonprofits.

2016 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

18th percentile

$186,403

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

2016 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2016

Asset Growth

64th percentile

5.1%

Faster asset growth than 64% of similar nonprofits.

2016 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

33rd percentile

-2.4%

Faster revenue growth than 33% of similar nonprofits.

2016 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Assets

Up

$62,373,975

Up $3,017,982 (+5.1%) from 2015

Net Assets

Up

$18,963,074

Up $1,405,508 (+8.0%) from 2015

Liabilities

Up

$43,410,901

Up $1,612,474 (+3.9%) from 2015

Revenue

Down

$7,106,831

Down $174,534 (-2.4%) from 2015

Expenses

Up

$6,251,908

Up $280,381 (+4.7%) from 2015

Net Income

Down

$854,923

Down $454,915 (-35%) from 2015

Historical Trend

Balance Sheet Trend

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

2016

Assets$62,373,975
Liabilities$43,410,901
Net Assets$18,963,074

Operations Trend

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

2016

Revenue$7,106,831
Expenses$6,251,908
Net Income$854,923
Jump To
Filing Snapshot
Filing Period
Oct 1, 2015 to Sep 30, 2016
Signed
Mar 17, 2017
Return Version
2015v3.0
Gross Receipts
$15,684,356
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$27,942,486$34,161,960▲ $6,219,474
Investments in Publicly Traded Securities$16,381,904$16,972,981▲ $591,077
Savings and Temporary Cash Investments$11,077,532$6,645,366▼ $4,432,166
Investments Other Securities$1,019,825$1,054,312▲ $34,487
Cash and Non-Interest-Bearing Accounts$512,192$657,487▲ $145,295
Accounts Receivable$528,588$591,596▲ $63,008
Prepaid Expenses and Deferred Charges$117,000$130,941▲ $13,941
Loans From Officers Directors$116,208$79,035▼ $37,173
Pledges and Grants Receivable$50,000$58,750▲ $8,750
Land, Buildings, and Equipment, Net$48,476$47,378▼ $1,098
Investments Program Related$11,669$15,319▲ $3,650
Total Assets$59,355,993$62,373,975▲ $3,017,982
Other Assets Total$1,666,321$2,037,885▲ $371,564
Liabilities
Unsecured Notes Loans Payable$39,160,099$40,177,988▲ $1,017,889
Other Liabilities$1,539,514$1,865,828▲ $326,314
Deferred Revenue$336,750$653,991▲ $317,241
Accounts Payable and Accrued Expenses$645,856$634,059▼ $11,797
Total Liabilities$41,798,427$43,410,901▲ $1,612,474
Net Assets / Fund Balance
Unrestricted Net Assets$17,390,900$18,393,180▲ $1,002,280
Temporarily Rstr Net Assets$166,666$569,894▲ $403,228
Total Net Assets Fund Balance$17,557,566$18,963,074▲ $1,405,508
Total Liabilities and Net Assets / Fund Balance$59,355,993$62,373,975▲ $3,017,982

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$22,390$204,034$226,424
Leasehold Improvements$24,988$15,626$40,614
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mary a RogierPresidentFT$160,403$26,000$186,403
Joanne LeeDirector of Financial ConsFT$130,704$26,281$156,985
E Ross CulverwellDirector of LendingFT$126,838$28,242$155,080
C Lea SalemDirector of FinanceFT$128,754$22,249$151,003
Catherine HowardDirector of Strategic InitFT$130,045$18,771$148,816
Andrea PapanassiouDeputy Director of ConsultFT$125,663$22,858$148,521
Daniel McdonaldDeputy Director of LendingFT$115,929$27,871$143,800

Board Members and Trustees

NameTitle
Patricia GopaulBoard Chair
Anita AddisonBoard Vice-chair
Amy RassenBoard Member
Andre MadieraBoard Member
Bryan IgnozziBoard Member
Ilana SchatzBoard Member
John ChanBoard Member
Kirke WilsonBoard Member
Luis GranadosBoard Member
Stephen FloranceBoard Member
Linda BoesseneckerBoard Member (thru 1/31/16)
Ann CameronBoard Member (thru 5/1/2016)
Lydia TanBoard Member (thru 5/1/2016)
Colby DaileySecretary
James SnyderTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Avivar CapitalProgram Development124 N ORANGE DRIVE 120, Los Angeles, CA 90038$127,500
Revenue and Support

Revenue Composition

Contributions and Grants
$1,717,388
Program Service Revenue
$5,053,085
Investment Income
$364,025
Other Revenue
$-27,667
All Other Contributions
$1,480,395
Change in Net Assets
$854,923

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,297,215
Revenue Not Reported on Financial Statements
$809,616
Revenue Not Reported on Form 990
$895,850
Total Revenue per Audited Statements
$7,193,065
Total Revenue per Form 990
$7,106,831
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$3,812,803
Other Expenses$2,439,105
Total Fundraising Expense$404,302
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$2,438,814$87,298$228,116$2,754,228
Interest$757,010--$757,010
Fees for Services Other$638,994$16,781$2,201$657,976
Other Employee Benefits$320,530$21,406$32,590$374,526
Current Officers, Directors, Trustees, and Key Employees$176,700$91,600$39,700$308,000
Occupancy$252,887$17,558$27,472$297,917
Payroll Taxes$190,768$13,060$19,522$223,350
Pension Plan Contributions$130,582$9,024$13,093$152,699
Office Expenses$97,547$7,118$10,751$115,416
Advertising$61,060$3,413$8,809$73,282
Insurance$38,847$20,485$424$59,756
Fees for Service Investment Mgmnt Fees-$52,606-$52,606
Fees for Services Accounting$13,177$31,135$681$44,993
Conferences and Meetings$21,133$12,943$4,725$38,801
Travel$28,186$6,577$3,433$38,196
Depreciation Depletion$22,791$1,619$2,531$26,941
Fees for Services Legal$17,175--$17,175
Information Technology-$4,554$8,404$12,958
Other Expenses$242,716$1,512$1,850$3,362
Total Functional Expenses$5,448,917$398,689$404,302$6,251,908

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$6,251,908
Total Expenses per Audited Statements$5,787,557
Expenses per Audited Statements$5,442,292
Expenses Not Reported on Financial Statements$809,616
Expenses Not Reported on Form 990$345,265
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$39,140
Fundraising Gross Income$11,473
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Educational Forum/party$113,713$11,473$11,043$430
Total Events$113,713$11,473$39,140$-27,667
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$116,208$79,035▼ $37,173
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Funds Held in Trust$1,577,720
Accrued Interest Payable$288,108
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 questions 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 and decisions were documented and notes were 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

Filer Name
Northern California Community Loan Fund
EIN
94-3032394
Phone
4153928216
Address
870 MARKET STREET NO 677, SAN FRANCISCO, CA 94102

Signing Officer

Name
Mary a Rogier
Title
President
Phone
4153928215
Signed
2017-03-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mary a Rogier
Formed
1987
Legal Domicile
CA
Voting Board Members
12
Independent Board Members
11
Employees
36
Volunteers
25

Preparer

Firm
Hood & Strong Llp
Address
275 BATTERY ST STE 900, SAN FRANCISCO, CA 94111
Preparer
Maga E Kisriev
Phone
4157810793
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

Consulting fees: program service expenses 638,994. Management and general expenses 16,781. Fundraising expenses 2,201. Total expenses 657,976.

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 from california franchise and/or income taxes under section 23701d of the revenue and taxation code. Ncclf follows the guidance of accounting for uncertainty in income taxes issued by the financial accounting standards board. As of september 30, 2016, management evaluated ncclf's tax positions and concluded that ncclf had maintained its tax exempt status and had taken no uncertain tax positions that require adjustment to the financial statements.

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1526000
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1617249
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1723242
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1821281
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1927871
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2022858
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2118771
IRS990/Form990PartVIISectionAGrp/PersonNm0PATRICIA GOPAUL
IRS990/Form990PartVIISectionAGrp/PersonNm1ANITA ADDISON
IRS990/Form990PartVIISectionAGrp/PersonNm2JAMES SNYDER
IRS990/Form990PartVIISectionAGrp/PersonNm3COLBY DAILEY
IRS990/Form990PartVIISectionAGrp/PersonNm4ILANA SCHATZ
IRS990/Form990PartVIISectionAGrp/PersonNm5KIRKE WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm6ANDRE MADIERA
IRS990/Form990PartVIISectionAGrp/PersonNm7LYDIA TAN
IRS990/Form990PartVIISectionAGrp/PersonNm8AMY RASSEN
IRS990/Form990PartVIISectionAGrp/PersonNm9STEPHEN FLORANCE
IRS990/Form990PartVIISectionAGrp/PersonNm10ANN CAMERON
IRS990/Form990PartVIISectionAGrp/PersonNm11BRYAN IGNOZZI
IRS990/Form990PartVIISectionAGrp/PersonNm12JOHN CHAN
IRS990/Form990PartVIISectionAGrp/PersonNm13LUIS GRANADOS
IRS990/Form990PartVIISectionAGrp/PersonNm14LINDA BOESSENECKER
IRS990/Form990PartVIISectionAGrp/PersonNm15MARY A ROGIER
IRS990/Form990PartVIISectionAGrp/PersonNm16C LEA SALEM
IRS990/Form990PartVIISectionAGrp/PersonNm17E ROSS CULVERWELL
IRS990/Form990PartVIISectionAGrp/PersonNm18JOANNE LEE
IRS990/Form990PartVIISectionAGrp/PersonNm19DANIEL MCDONALD
IRS990/Form990PartVIISectionAGrp/PersonNm20ANDREA PAPANASSIOU
IRS990/Form990PartVIISectionAGrp/PersonNm21CATHERINE HOWARD
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/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15160403
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16133754
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17131838
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18135704
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19115929
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20125663
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21130045
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/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
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 (THRU 5/1/2016)
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER (THRU 5/1/2016)
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14BOARD MEMBER (THRU 1/31/16)
IRS990/Form990PartVIISectionAGrp/TitleTxt15PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR OF FINANCIAL CONS
IRS990/Form990PartVIISectionAGrp/TitleTxt19DEPUTY DIRECTOR OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt20DEPUTY DIRECTOR OF CONSULT
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR OF STRATEGIC INIT
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01987
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd01
IRS990/FundraisingAmt0102240
IRS990/FundraisingDirectExpensesAmt039140
IRS990/FundraisingGrossIncomeAmt011473
IRS990/GainOrLossGrp/SecuritiesAmt0-332436
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GovernmentGrantsAmt0134753
IRS990/GrantAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt08205949
IRS990/GrossReceiptsAmt015684356
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt08
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt08404
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt04554
IRS990/InformationTechnologyGrp/TotalAmt012958
IRS990/InsuranceGrp/FundraisingAmt0424
IRS990/InsuranceGrp/ManagementAndGeneralAmt020485
IRS990/InsuranceGrp/ProgramServicesAmt038847
IRS990/InsuranceGrp/TotalAmt059756
IRS990/InterestGrp/ProgramServicesAmt0757010
IRS990/InterestGrp/TotalAmt0757010
IRS990/InvestmentIncomeGrp/ExclusionAmt0696461
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0696461
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01019825
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01054312
IRS990/InvestmentsProgramRelatedGrp/BOYAmt011669
IRS990/InvestmentsProgramRelatedGrp/EOYAmt015319
IRS990/InvestmentsPubTradedSecGrp/BOYAmt016381904
IRS990/InvestmentsPubTradedSecGrp/EOYAmt016972981
IRS990/IRPDocumentCnt0151
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0219660
IRS990/LandBldgEquipBasisNetGrp/BOYAmt048476
IRS990/LandBldgEquipBasisNetGrp/EOYAmt047378
IRS990/LandBldgEquipCostOrOtherBssAmt0267038
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt08538385
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt0116208
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt079035
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/NetAssetsOrFundBalancesBOYAmt017557566
IRS990/NetAssetsOrFundBalancesEOYAmt018963074
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-332436
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-332436
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt0-27667
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt0-27667
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0550585
IRS990/NoncashContributionsAmt013125
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt027472
IRS990/OccupancyGrp/ManagementAndGeneralAmt017558
IRS990/OccupancyGrp/ProgramServicesAmt0252887
IRS990/OccupancyGrp/TotalAmt0297917
IRS990/OfficeExpensesGrp/FundraisingAmt010751
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt07118
IRS990/OfficeExpensesGrp/ProgramServicesAmt097547
IRS990/OfficeExpensesGrp/TotalAmt0115416
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01666321
IRS990/OtherAssetsTotalGrp/EOYAmt02037885
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt032590
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt021406
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0320530
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0374526
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1FEES AND LICENSES
IRS990/OtherExpensesGrp/FundraisingAmt01850
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01512
IRS990/OtherExpensesGrp/ProgramServicesAmt0242716
IRS990/OtherExpensesGrp/TotalAmt0242716
IRS990/OtherExpensesGrp/TotalAmt13362
IRS990/OtherLiabilitiesGrp/BOYAmt01539514
IRS990/OtherLiabilitiesGrp/EOYAmt01865828
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt0228116
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt087298
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt02438814
IRS990/OtherSalariesAndWagesGrp/TotalAmt02754228
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt027942486
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt034161960
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt019522
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt013060
IRS990/PayrollTaxesGrp/ProgramServicesAmt0190768
IRS990/PayrollTaxesGrp/TotalAmt0223350
IRS990/PensionPlanContributionsGrp/FundraisingAmt013093
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt09024
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0130582
IRS990/PensionPlanContributionsGrp/TotalAmt0152699
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt050000
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt058750
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0117000
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0130941
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/RelatedOrExemptFuncIncomeAmt01985489
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11954332
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21113264
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01985489

Document Assets

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Filings

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
2016Detailed filing. Detailed filing data is available for this year.$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