Civic Intelligence

Community Development Finance

990 • Fiscal year 2023 • EIN 94-3308385

Jul 01, 2022 to Jun 30, 2023 • Filed on May 14, 2024

Organization Profile[email protected]
645 Santa Ray AvenueOakland, CA 94610

(510) 848-1174

Siviq Scores

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

Liabilities / Assets

24th percentile

0.02x

Higher debt load relative to assets than 24% of similar nonprofits.

2023 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2023

Liabilities / Revenue

16th percentile

0.02x

Higher debt load relative to revenue than 16% of similar nonprofits.

2023 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2023

Net Margin

97th percentile

82%

Higher net margin than 97% of similar nonprofits.

2023 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2023

Top Officer Pay

22nd percentile

$0

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2023 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2023

Asset Growth

99th percentile

423%

Faster asset growth than 99% of similar nonprofits.

2023 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2022 to 2023

Revenue Growth

99th percentile

2010%

Faster revenue growth than 99% of similar nonprofits.

2023 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets24th percentile

Assets

Up

$7,063,935

Up $5,712,900 (+423%) from 2022

Net Assets

Up

$6,935,747

Up $6,460,203 (+1358%) from 2022

Liabilities

Down

$128,188

Down $747,303 (-85%) from 2022

Revenue And Expenses
Liabilities / Revenue16th percentileNet Margin97th percentile

Revenue

Up

$7,001,618

Up $6,669,818 (+2010%) from 2022

Expenses

Up

$1,234,342

Up $925,221 (+299%) from 2022

Net Income

Up

$5,767,276

Up $5,744,597 (+25330%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth99th 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

2023

Assets$7,063,935
Liabilities$128,188
Net Assets$6,935,747
Open 2023 Filing

Operations Trend

Revenue Growth99th 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

2023

Revenue$7,001,618
Expenses$1,234,342
Net Income$5,767,276
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2022 to Jun 30, 2023
Signed
May 14, 2024
Return Version
2022v5.0
Gross Receipts
$7,001,618
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$1,186,911$6,865,458▲ $5,678,547
Other Notes and Loans Receivable, Net$112,990$157,914▲ $44,924
Land, Buildings, and Equipment, Net$36,782$35,355▼ $1,427
Accounts Receivable$12,604$5,208▼ $7,396
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$1,351,035$7,063,935▲ $5,712,900
Other Assets Total$1,748$0▼ $1,748
Liabilities
Other Liabilities$733,224--
Unsecured Notes Loans Payable$100,000$100,000→ $0
Grants Payable$40,997--
Accounts Payable and Accrued Expenses$1,270$28,188▲ $26,918
Total Liabilities$875,491$128,188▼ $747,303
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$475,544$6,238,677▲ $5,763,133
Net Assets With Donor Restrictions-$697,070-
Total Net Assets Fund Balance$475,544$6,935,747▲ $6,460,203
Total Liabilities and Net Assets / Fund Balance$1,351,035$7,063,935▲ $5,712,900

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$35,355$80,939$116,294
Compensation and Service Providers
Top Officer Pay22nd percentile

Board Members and Trustees

NameTitle
Daniel M LeibsohnPresident
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
$6,761,014
Program Service Revenue
$210,729
Investment Income
$29,875
Other Revenue
$0
All Other Contributions
$6,761,014
Change in Net Assets
$5,767,276
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$971,672
Salaries, Compensation, and Employee Benefits$262,670
Total Fundraising Expense$3,489
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$287,903$6,499$32$294,434
Other Salaries and Wages$223,314$9,402$2,351$235,067
All Other Expenses$43,402$244$61$43,707
Occupancy$39,473$1,662$416$41,551
Fees for Services Accounting-$30,962-$30,962
Insurance$24,072$1,014$253$25,339
Payroll Taxes$17,493$737$184$18,414
Other Expenses$12,295--$12,295
Other Employee Benefits$8,730$367$92$9,189
Fees for Services Legal$4,569$192$48$4,809
Travel$1,384$58$15$1,457
Depreciation Depletion$1,356$57$14$1,427
Office Expenses$1,220$51$13$1,284
Interest$950$40$10$1,000
Advertising$994--$994
Total Functional Expenses$1,179,568$51,285$3,489$1,234,342
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, Section B, Line 11B

“No review was or will be conducted.”

Form 990, Part VI, Section C, Line 19

“No documents available to the public.”

Filing and Contact Details

Filer

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

Signing Officer

Name
Daniel M Leibsohn
Title
President
Signed
2024-05-14

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
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Reclass temp restricted assets = $692927”

Raw XML AppendixShowing 400 of 445 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/OthNotesLoansReceivableNetGrp/BOYAmt0112990
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0157914
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt0184
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0737
IRS990/PayrollTaxesGrp/ProgramServicesAmt017493
IRS990/PayrollTaxesGrp/TotalAmt018414
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/RelatedOrExemptFuncIncomeAmt047840
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1162889
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt047840
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1162889
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0172671
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0125277
IRS990/PYProgramServiceRevenueAmt0159129
IRS990/PYRevenuesLessExpensesAmt022679
IRS990/PYSalariesCompEmpBnftPaidAmt0183844
IRS990/PYTotalExpensesAmt0309121
IRS990/PYTotalRevenueAmt0331800
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt05767276
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0210729
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt06761014
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0172671
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt055807
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0113750
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt039522
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt07142764
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/PublicSupportTotal509Amt07142764
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt06761014
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0172671
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt055807
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0113750
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt039522
IRS990ScheduleA/Total509Grp/TotalAmt07142764
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt06761014
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0172671
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt055807
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0113750
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt039522
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt07142764
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/BookValueAmt035355
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt080939
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0116294
IRS990ScheduleD/TotalBookValueLandBuildingsAmt035355
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0No review was or will be conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2RECLASS TEMP RESTRICTED ASSETS = $692927
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01351035
IRS990/TotalAssetsEOYAmt07063935
IRS990/TotalAssetsGrp/BOYAmt01351035
IRS990/TotalAssetsGrp/EOYAmt07063935
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt06761014
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt03489
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt051285
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01179568
IRS990/TotalFunctionalExpensesGrp/TotalAmt01234342
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0875491
IRS990/TotalLiabilitiesEOYAmt0128188
IRS990/TotalLiabilitiesGrp/BOYAmt0875491
IRS990/TotalLiabilitiesGrp/EOYAmt0128188
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0475544
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06935747
IRS990/TotalProgramServiceExpensesAmt01179568
IRS990/TotalProgramServiceRevenueAmt0210729
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0240604
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt07001618
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01351035
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07063935
IRS990/TravelGrp/FundraisingAmt015
IRS990/TravelGrp/ManagementAndGeneralAmt058
IRS990/TravelGrp/ProgramServicesAmt01384
IRS990/TravelGrp/TotalAmt01457
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false

Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,063,935
Liabilities
$128,188
Net assets
$6,935,747
Revenue
$7,001,618
Expenses
$1,234,342
Net income
$5,767,276
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
2023Detailed filing. Detailed filing data is available for this year.$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
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
Peer Organizations

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