Civic Intelligence

Community Development Finance

990 • Fiscal year 2020 • EIN 94-3308385

Jul 01, 2019 to Jun 30, 2020 • Filed on Dec 21, 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

74th percentile

0.27x

Higher debt load relative to assets than 74% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Liabilities / Revenue

83rd percentile

0.47x

Higher debt load relative to revenue than 83% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Net Margin

70th percentile

19%

Higher net margin than 70% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Top Officer Pay

71st percentile

$60,000

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 18.9% of source-year revenue.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Asset Growth

3rd percentile

-40%

Faster asset growth than 3% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2019 to 2020

Revenue Growth

68th percentile

12%

Faster revenue growth than 68% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets74th percentile

Assets

Down

$561,812

Down $376,446 (-40%) from 2019

Net Assets

Up

$411,158

Up $61,439 (+18%) from 2019

Liabilities

Down

$150,654

Down $437,885 (-74%) from 2019

Revenue And Expenses
Liabilities / Revenue83rd percentileNet Margin70th percentile

Revenue

Up

$317,340

Up $34,966 (+12%) from 2019

Expenses

Up

$255,696

Up $12,982 (+5.3%) from 2019

Net Income

Up

$61,644

Up $21,984 (+55%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth3rd 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

2020

Assets$561,812
Liabilities$150,654
Net Assets$411,158
Open 2020 Filing

Operations Trend

Revenue Growth68th 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

2020

Revenue$317,340
Expenses$255,696
Net Income$61,644
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2019 to Jun 30, 2020
Signed
Dec 21, 2020
Return Version
2019v5.0
Gross Receipts
$317,340
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$740,323$402,032▼ $338,291
Other Notes and Loans Receivable, Net$131,903$103,448▼ $28,455
Land, Buildings, and Equipment, Net$41,242$39,724▼ $1,518
Accounts Receivable$23,540$15,358▼ $8,182
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$938,258$561,812▼ $376,446
Other Assets Total$1,250$1,250→ $0
Liabilities
Unsecured Notes Loans Payable$585,000$130,900▼ $454,100
Grants Payable-$19,683-
Accounts Payable and Accrued Expenses$3,539$71▼ $3,468
Total Liabilities$588,539$150,654▼ $437,885
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$324,719$407,153▲ $82,434
Net Assets With Donor Restrictions$25,000$4,005▼ $20,995
Total Net Assets Fund Balance$349,719$411,158▲ $61,439
Total Liabilities and Net Assets / Fund Balance$938,258$561,812▼ $376,446

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$39,724$76,570$116,294
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Daniel M LeibsohnPresidentFT$60,000$60,000

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$113,750
Program Service Revenue
$203,590
Investment Income
$0
Other Revenue
$0
All Other Contributions
$113,750
Change in Net Assets
$61,644
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$139,913
Other Expenses$115,783
Total Fundraising Expense$2,132
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$57,000$2,400$600$60,000
Other Salaries and Wages$53,533$2,254$563$56,350
Occupancy$33,358$1,405$351$35,114
Other Employee Benefits$13,646$574$144$14,364
Fees for Services Accounting$11,797$497$124$12,418
Insurance$8,941$377$94$9,412
Payroll Taxes$8,739$368$92$9,199
Office Expenses$7,096$298$75$7,469
All Other Expenses$3,425--$3,425
Travel$2,647$111$28$2,786
Advertising$2,600--$2,600
Fees for Services Other$2,290$97$24$2,411
Interest$2,138$90$22$2,250
Other Expenses$2,070--$2,070
Depreciation Depletion$1,442$61$15$1,518
Total Functional Expenses$245,032$8,532$2,132$255,696
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
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
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
2020-12-21
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
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Prior year net assets adj = -$205”

Raw XML AppendixShowing 400 of 419 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/PYContributionsGrantsAmt039522
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0116456
IRS990/PYProgramServiceRevenueAmt0242852
IRS990/PYRevenuesLessExpensesAmt039660
IRS990/PYSalariesCompEmpBnftPaidAmt0126258
IRS990/PYTotalExpensesAmt0242714
IRS990/PYTotalRevenueAmt0282374
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt061644
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/First5Years509Ind0X
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0113750
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt039522
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt05435
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt07535
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0166242
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt00
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.00000
IRS990ScheduleA/PublicSupportTotal509Amt0166242
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0113750
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt039522
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt05435
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt07535
IRS990ScheduleA/Total509Grp/TotalAmt0166242
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0113750
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt039522
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt05435
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt07535
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0166242
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt039724
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt076570
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0116294
IRS990ScheduleD/TotalBookValueLandBuildingsAmt039724
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0No review was or will be conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PRIOR YEAR NET ASSETS ADJ = -$205
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other Changes In Net Assets Or Fund Balances - Other Decreases
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt0561812
IRS990/TotalAssetsGrp/BOYAmt0938258
IRS990/TotalAssetsGrp/EOYAmt0561812
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0113750
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt02132
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt08532
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0245032
IRS990/TotalFunctionalExpensesGrp/TotalAmt0255696
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0588539
IRS990/TotalLiabilitiesEOYAmt0150654
IRS990/TotalLiabilitiesGrp/BOYAmt0588539
IRS990/TotalLiabilitiesGrp/EOYAmt0150654
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0349719
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0411158
IRS990/TotalProgramServiceExpensesAmt0245032
IRS990/TotalProgramServiceRevenueAmt0203590
IRS990/TotalReportableCompFromOrgAmt060000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0203590
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0317340
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0938258
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0561812
IRS990/TravelGrp/FundraisingAmt028
IRS990/TravelGrp/ManagementAndGeneralAmt0111
IRS990/TravelGrp/ProgramServicesAmt02647
IRS990/TravelGrp/TotalAmt02786
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt0585000
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0130900
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/BuildTS02021-01-29 14:40:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DANIEL M LEIBSOHN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-12-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY DEVELOPMENT FINANCE
ReturnHeader/Filer/BusinessNameControlTxt0COMM

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$561,812
Liabilities
$150,654
Net assets
$411,158
Revenue
$317,340
Expenses
$255,696
Net income
$61,644
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
2020Detailed filing. Detailed filing data is available for this year.$0.56$0.15$0.41$0.32$0.26$0.06
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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