COMMUNITY CAPITAL OF VERMONT

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2001

Principal Officer

ALEXANDER ROB

Phone

8024790167

Tax Period

2024-01-01 to 2024-12-31

COMMUNITY CAPITAL OF VERMONT, founded in 2001, is a small nonprofit in the Community Improvement sector that reported $438K in total revenue in fiscal year 2024. Revenue surged 35% from the prior year, signaling strong growth momentum. Net assets of $2.5M represent 68 months of operating reserves.

Mission

TO HELP SMALL BUSINESSES AND LOWER INCOME ENTREPRENEURS PROSPER THROUGH THE PROVISION OF FLEXIBLE BUSINESS FINANCING.

Program Service Accomplishments

Program 1

Expenses: $295,857 Revenue: $196,520

COMMUNITY CAPITAL OF VERMONT IS A STATEWIDE SMALL BUSINESS AND MICROENTERPRISE LENDER SERVING LOW AND MODERATE INCOME ENTRPRENEURS. OUR LOANS RANGE IN SIZE FROM 1,000 TO 100,000 AND CAN BE USED FOR BUSINESS START-UP OR GROWTH AND EXPANSION. CCVT SPECIALIZES IN PROVIDING LOANS TO BUSINESS OWNERS WHO LACK THE COLLATERAL OR CREDIT HISTORY TO QUALIFY FOR TRADITIONAL BANK LOANS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $195,149

Program Service Revenue $196,520

Investment Income $43,533

Other Revenue $3,071

TOTAL REVENUE $438,273

Expense Breakdown

Grants Paid $0

Salaries & Benefits $205,981

Fundraising Expenses $0

Program Expenses $295,857

Other Expenses $258,691

TOTAL EXPENSES $464,672

Year-over-Year Comparison

	2024	2023	Change
Revenue	$438,273	$325,527	+0.3%
Expenses	$464,672	$490,496	-0.1%
Net Income	$-26,399	$-164,969	-0.8%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$113,519

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALEXANDER ROB	EXECUTIVE DI	40.00	Officer	$113,519	$0	$113,519
RONDA BERNS	VICE PRESIDE	N/A	Director	$0	$0	$0
MARY CHEVALIER	TREASURER	N/A	Director	$0	$0	$0
HEATHER HURLBERT	PRESIDENT	N/A	Officer Director	$0	$0	$0
NATE MESSIER	BOARD MEMBER	N/A	Director	$0	$0	$0
KIMBERLY RUPE	SECRETARY	N/A	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$438,273	$464,672	$3,642,983	$-26,399
2023	$325,527	$490,496	$3,586,734	$-164,969
2022	$244,254	$364,847	$3,944,821	$-120,593
2021	$492,505	$196,019	$4,326,394	$296,486
2020	$363,623	$517,827	$4,295,904	$-154,204
2019	$337,822	$437,800	$4,703,186	$-99,978
2018	$447,711	$690,567	$4,796,793	$-242,856