Civic Intelligence

Community Development Finance

990 • Fiscal year 2019 • EIN 94-3308385

Jul 01, 2018 to Jun 30, 2019 • Filed on Mar 19, 2020

Organization ProfileN/A
645 Santa Rey AvenueOakland, CA 94610

(510) 848-1174

Siviq Scores

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

Liabilities / Assets

88th percentile

0.63x

Higher debt load relative to assets than 88% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Liabilities / Revenue

94th percentile

2.08x

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

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Net Margin

70th percentile

14%

Higher net margin than 70% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2019

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2019

Asset Growth

93rd percentile

84%

Faster asset growth than 93% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2018 to 2019

Revenue Growth

78th percentile

27%

Faster revenue growth than 78% of similar nonprofits.

2019 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$938,258

Up $427,378 (+84%) from 2018

Net Assets

Up

$349,719

Up $39,660 (+13%) from 2018

Liabilities

Up

$588,539

Up $387,718 (+193%) from 2018

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin70th percentile

Revenue

Up

$282,374

Up $60,139 (+27%) from 2018

Expenses

Up

$242,714

Up $57,566 (+31%) from 2018

Net Income

Up

$39,660

Up $2,573 (+6.9%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth93rd percentile

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MAssets 2012: $305,940Liabilities 2012: $171,319Net Assets 2012: $134,6212012Assets 2013: $268,207Liabilities 2013: $235,242Net Assets 2013: $32,9652013Assets 2014: $301,355Liabilities 2014: $320,788Net Assets 2014: -$19,4332014Assets 2015: $412,317Liabilities 2015: $318,865Net Assets 2015: $93,4522015Assets 2016: $496,312Liabilities 2016: $383,368Net Assets 2016: $112,9442016Assets 2017: $473,759Liabilities 2017: $430,620Net Assets 2017: $43,1392017Assets 2018: $510,880Liabilities 2018: $200,821Net Assets 2018: $310,0592018Assets 2019: $938,258Liabilities 2019: $588,539Net Assets 2019: $349,7192019Assets 2020: $561,812Liabilities 2020: $150,654Net Assets 2020: $411,1582020Assets 2021: $1,092,738Liabilities 2021: $699,873Net Assets 2021: $392,8652021Assets 2022: $1,351,035Liabilities 2022: $875,491Net Assets 2022: $475,5442022Assets 2023: $7,063,935Liabilities 2023: $128,188Net Assets 2023: $6,935,7472023Assets 2024: $6,041,339Liabilities 2024: $101,459Net Assets 2024: $5,939,8802024Assets 2025: $616,863Liabilities 2025: $1,737Net Assets 2025: $615,1262025

Highlighted filing

2019

Assets$938,258
Liabilities$588,539
Net Assets$349,719
Open 2019 Filing

Operations Trend

Revenue Growth78th percentile

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

$10M$5.0M$0-$5.0M-$10MRevenue 2012: $6,168,308Expenses 2012: $6,235,927Net Income 2012: -$67,6192012Revenue 2013: $7,338,836Expenses 2013: $7,440,492Net Income 2013: -$101,6562013Revenue 2014: $8,203,465Expenses 2014: $8,255,863Net Income 2014: -$52,3982014Revenue 2015: $365,262Expenses 2015: $251,502Net Income 2015: $113,7602015Revenue 2016: $271,406Expenses 2016: $251,914Net Income 2016: $19,4922016Revenue 2017: $174,044Expenses 2017: $243,849Net Income 2017: -$69,8052017Revenue 2018: $222,235Expenses 2018: $185,148Net Income 2018: $37,0872018Revenue 2019: $282,374Expenses 2019: $242,714Net Income 2019: $39,6602019Revenue 2020: $317,340Expenses 2020: $255,696Net Income 2020: $61,6442020Revenue 2021: $328,728Expenses 2021: $377,921Net Income 2021: -$49,1932021Revenue 2022: $331,800Expenses 2022: $309,121Net Income 2022: $22,6792022Revenue 2023: $7,001,618Expenses 2023: $1,234,342Net Income 2023: $5,767,2762023Revenue 2024: $1,166,350Expenses 2024: $2,126,863Net Income 2024: -$960,5132024Revenue 2025: $196,847Expenses 2025: $5,521,364Net Income 2025: -$5,324,5172025

Highlighted filing

2019

Revenue$282,374
Expenses$242,714
Net Income$39,660
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2018 to Jun 30, 2019
Signed
Mar 19, 2020
Return Version
2018v3.1
Gross Receipts
$282,374
Mission and Program Overview

Mission

To increase the availability of capital, and access to financial institutions in low-income communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$284,405$740,323▲ $455,918
Other Notes and Loans Receivable, Net$161,176$131,903▼ $29,273
Land, Buildings, and Equipment, Net$42,531$41,242▼ $1,289
Accounts Receivable$21,518$23,540▲ $2,022
Savings and Temporary Cash Investments-$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$510,880$938,258▲ $427,378
Other Assets Total$1,250$1,250→ $0
Liabilities
Unsecured Notes Loans Payable$200,000$585,000▲ $385,000
Accounts Payable and Accrued Expenses$821$3,539▲ $2,718
Total Liabilities$200,821$588,539▲ $387,718
Net Assets / Fund Balance
Unrestricted Net Assets$310,059$324,719▲ $14,660
Temporarily Rstr Net Assets-$25,000-
Total Net Assets Fund Balance$310,059$349,719▲ $39,660
Total Liabilities and Net Assets / Fund Balance$510,880$938,258▲ $427,378

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$41,242$75,052$116,294
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Daniel M LeibsohnPresident
Richard J DevineVice President
Kirsten MoyBoard Member
John HarringtonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$39,522
Program Service Revenue
$242,852
Investment Income
$0
Other Revenue
$0
All Other Contributions
$39,522
Change in Net Assets
$39,660
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$126,258
Other Expenses$116,456
Total Fundraising Expense$183
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$101,973--$101,973
Occupancy$25,775--$25,775
Fees for Services Other$21,887--$21,887
Office Expenses$18,588--$18,588
Fees for Services Accounting$15,942$671$168$16,781
Other Employee Benefits$14,447--$14,447
Payroll Taxes$9,838--$9,838
Insurance$8,142--$8,142
Travel$4,634--$4,634
Interest$3,000--$3,000
Depreciation Depletion$1,453$61$15$1,529
Advertising$1,156--$1,156
Other Expenses$330--$330
Information Technology$20--$20
Total Functional Expenses$241,799$732$183$242,714
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
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“No review was or will be conducted.”

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

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Community Development Finance
EIN
94-3308385
Phone
5108481174
Address
645 SANTA REY AVENUE, OAKLAND, CA 94610

Signing Officer

Name
Daniel M Leibsohn
Title
President
Signed
2020-03-19
Discuss with paid preparer
Yes

Organization Details

Formed
1998
Legal Domicile
CA
Voting Board Members
4
Independent Board Members
4
Employees
4

Preparer

Firm
Morris & Morris CPAs
Address
2200 Powell Street Suite 990, Emeryville, CA 94608-1821
Preparer
Mark A Morris
Phone
5106589080
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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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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt07535
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt092500
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0144992
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
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IRS990ScheduleA/PublicSupportTotal509Amt0144992
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
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IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt05435
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt07535
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt092500
IRS990ScheduleA/Total509Grp/TotalAmt0144992
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt039522
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt05435
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt07535
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt092500
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0144992
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt041242
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt075052
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0116294
IRS990ScheduleD/TotalBookValueLandBuildingsAmt041242
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0No review was or will be conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt025000
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0510880
IRS990/TotalAssetsEOYAmt0938258
IRS990/TotalAssetsGrp/BOYAmt0510880
IRS990/TotalAssetsGrp/EOYAmt0938258
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IRS990/TotalContributionsAmt039522
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt0183
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0732
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0241799
IRS990/TotalFunctionalExpensesGrp/TotalAmt0242714
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0200821
IRS990/TotalLiabilitiesEOYAmt0588539
IRS990/TotalLiabilitiesGrp/BOYAmt0200821
IRS990/TotalLiabilitiesGrp/EOYAmt0588539
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0310059
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IRS990/TotalProgramServiceExpensesAmt0241799
IRS990/TotalProgramServiceRevenueAmt0242852
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0242852
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0282374
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0510880
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IRS990/TravelGrp/TotalAmt04634
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IRS990/TypeOfOrganizationCorpInd0X
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0645 SANTA REY AVENUE
IRS990/USAddress/CityNm0OAKLAND
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd094610
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DANIEL M LEIBSOHN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-03-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY DEVELOPMENT FINANCE
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0943308385
ReturnHeader/Filer/PhoneNum05108481174
ReturnHeader/Filer/USAddress/AddressLine1Txt0645 SANTA REY AVENUE
ReturnHeader/Filer/USAddress/CityNm0OAKLAND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd094610
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0941524909
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Morris & Morris CPAs
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02200 Powell Street Suite 990
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Emeryville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0946081821
ReturnHeader/PreparerPersonGrp/PhoneNum05106589080
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Mark A Morris
ReturnHeader/ReturnTs02020-03-19T19:56:28-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-07-01
ReturnHeader/TaxPeriodEndDt02019-06-30
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$938,258
Liabilities
$588,539
Net assets
$349,719
Revenue
$282,374
Expenses
$242,714
Net income
$39,660
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.62$0.00$0.62$0.20$5.52$5.32
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.04$0.10$5.94$1.17$2.13$0.96
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.06$0.13$6.94$7.00$1.23$5.77
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.35$0.88$0.48$0.33$0.31$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.09$0.70$0.39$0.33$0.38$0.05
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.56$0.15$0.41$0.32$0.26$0.06
2019Detailed filing. Detailed filing data is available for this year.$0.94$0.59$0.35$0.28$0.24$0.04
2018Summary only. Only limited summary data is available for this year.$0.51$0.20$0.31$0.22$0.19$0.04
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.47$0.43$0.04$0.17$0.24$0.07
2016Detailed filing. Detailed filing data is available for this year.$0.50$0.38$0.11$0.27$0.25$0.02
2015Detailed filing. Detailed filing data is available for this year.$0.41$0.32$0.09$0.37$0.25$0.11
2014Summary only. Only limited summary data is available for this year.$0.30$0.32$0.02$8.20$8.26$0.05
2013Summary only. Only limited summary data is available for this year.$0.27$0.24$0.03$7.34$7.44$0.10
2012Summary only. Only limited summary data is available for this year.$0.31$0.17$0.13$6.17$6.24$0.07