Civic Intelligence

Community Development Finance

990 • Fiscal year 2022 • EIN 94-3308385

Jul 01, 2021 to Jun 30, 2022 • Filed on Apr 03, 2023

Organization ProfileN/A
3411 EAST 12th STREET 124Oakland, CA 94601

(510) 848-1174

Siviq Scores

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

Liabilities / Assets

88th percentile

0.65x

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

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Liabilities / Revenue

93rd percentile

2.64x

Higher debt load relative to revenue than 93% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Net Margin

50th percentile

6.8%

Higher net margin than 50% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Top Officer Pay

51st percentile

$60,000

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 18.1% of source-year revenue.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Asset Growth

79th percentile

24%

Faster asset growth than 79% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Revenue Growth

42nd percentile

0.9%

Faster revenue growth than 42% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$1,351,035

Up $258,297 (+24%) from 2021

Net Assets

Up

$475,544

Up $82,679 (+21%) from 2021

Liabilities

Up

$875,491

Up $175,618 (+25%) from 2021

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin50th percentile

Revenue

Up

$331,800

Up $3,072 (+0.9%) from 2021

Expenses

Down

$309,121

Down $68,800 (-18%) from 2021

Net Income

Up

$22,679

Up $71,872 (+146%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth79th 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

2022

Assets$1,351,035
Liabilities$875,491
Net Assets$475,544
Open 2022 Filing

Operations Trend

Revenue Growth42nd 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

2022

Revenue$331,800
Expenses$309,121
Net Income$22,679
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2021 to Jun 30, 2022
Signed
Apr 3, 2023
Return Version
2021v4.1
Gross Receipts
$331,800
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$955,019$1,186,911▲ $231,892
Other Notes and Loans Receivable, Net$90,051$112,990▲ $22,939
Land, Buildings, and Equipment, Net$38,212$36,782▼ $1,430
Accounts Receivable$7,708$12,604▲ $4,896
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$1,092,738$1,351,035▲ $258,297
Other Assets Total$1,748$1,748→ $0
Liabilities
Other Liabilities$415,887$733,224▲ $317,337
Unsecured Notes Loans Payable$124,000$100,000▼ $24,000
Grants Payable$159,986$40,997▼ $118,989
Accounts Payable and Accrued Expenses-$1,270-
Total Liabilities$699,873$875,491▲ $175,618
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$392,865$475,544▲ $82,679
Total Net Assets Fund Balance$392,865$475,544▲ $82,679
Total Liabilities and Net Assets / Fund Balance$1,092,738$1,351,035▲ $258,297

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$36,782$79,512$116,294
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

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

Board Members and Trustees

NameTitle
Richard J DevineVice President
Kirsten MoyBoard Member
Omolara Lu Osinowo-gainesBoard Member
Richard ValleBoard Member
John HarringtonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$172,671
Program Service Revenue
$159,129
Investment Income
$0
Other Revenue
$0
All Other Contributions
$148,671
Change in Net Assets
$22,679
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$183,844
Other Expenses$125,277
Total Fundraising Expense$2,705
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$109,085$4,593$1,148$114,826
Current Officers, Directors, Trustees, and Key Employees$57,000$2,400$600$60,000
Occupancy$40,895$1,722$430$43,047
Insurance$20,252$853$213$21,318
Fees for Services Accounting$13,214$556$139$13,909
Payroll Taxes$8,567$361$90$9,018
All Other Expenses$8,246$103$26$8,375
Other Expenses$3,829--$3,829
Fees for Services Other$2,624$110$28$2,762
Conferences and Meetings$1,656$70$17$1,743
Depreciation Depletion$1,359$57$14$1,430
Interest$1,000--$1,000
Office Expenses$44$2-$46
Total Functional Expenses$295,589$10,827$2,705$309,121
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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Teacher Residency Housing Pilot$674,945
Ousd$37,028
Trio 2$21,250
Rounding$1
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
3411 EAST 12th STREET 124, OAKLAND, CA 94601

Signing Officer

Name
Daniel M Leibsohn
Title
President
Signed
2023-04-03
Discuss with paid preparer
Yes

Organization Details

Formed
1998
Legal Domicile
CA
Voting Board Members
6
Independent Board Members
4
Employees
3

Preparer

Firm
Morris & Associates Llp
Address
2200 POWELL ST STE 990, EMERYVILLE, CA 94608
Preparer
Andrew Der
Phone
5106589080
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IRS990/PayrollTaxesGrp/TotalAmt09018
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/Desc0CHECK-CASHING REVENUES
IRS990/ProgramServiceRevenueGrp/Desc1MISC. INCOME
IRS990/ProgramServiceRevenueGrp/Desc2PROGRAM INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt061091
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt198038
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt061091
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt198038
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt055807
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0254033
IRS990/PYProgramServiceRevenueAmt0272921
IRS990/PYRevenuesLessExpensesAmt0-49193
IRS990/PYSalariesCompEmpBnftPaidAmt0123888
IRS990/PYTotalExpensesAmt0377921
IRS990/PYTotalRevenueAmt0328728
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt022679
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0159129
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0172671
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt055807
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0113750
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt039522
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt05435
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0387185
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/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0387185
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0172671
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt055807
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0113750
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt039522
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt05435
IRS990ScheduleA/Total509Grp/TotalAmt0387185
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0172671
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt055807
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0113750
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt039522
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt05435
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0387185
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt036782
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt079512
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0116294
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt037028
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2674945
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt321250
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OUSD
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Rounding
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2TEACHER RESIDENCY HOUSING PILOT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3TRIO 2
IRS990ScheduleD/TotalBookValueLandBuildingsAmt036782
IRS990ScheduleD/TotalLiabilityAmt0733224
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01092738
IRS990/TotalAssetsEOYAmt01351035
IRS990/TotalAssetsGrp/BOYAmt01092738
IRS990/TotalAssetsGrp/EOYAmt01351035
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0172671
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt02705
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt010827
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0295589
IRS990/TotalFunctionalExpensesGrp/TotalAmt0309121
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0699873
IRS990/TotalLiabilitiesEOYAmt0875491
IRS990/TotalLiabilitiesGrp/BOYAmt0699873
IRS990/TotalLiabilitiesGrp/EOYAmt0875491
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0392865
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0475544
IRS990/TotalProgramServiceExpensesAmt0238589
IRS990/TotalProgramServiceRevenueAmt0159129
IRS990/TotalReportableCompFromOrgAmt060000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0159129
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0331800
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01092738
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01351035
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt0124000
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0100000
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03411 EAST 12th STREET 124
IRS990/USAddress/CityNm0OAKLAND
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd094601

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,351,035
Liabilities
$875,491
Net assets
$475,544
Revenue
$331,800
Expenses
$309,121
Net income
$22,679
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
2022Detailed filing. Detailed filing data is available for this year.$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
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