EAST BAY COMMUNITY DEVELOPMENT CORP (EIN 050445955) - Form 990 Financial Analysis & Trantor Score

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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

1985

Legal Domicile

Principal Officer

DIANE MEDEROS

Phone

4012532080

Tax Period

2024-07-01 to 2025-06-30

EAST BAY COMMUNITY DEVELOPMENT CORP, founded in 1985, is a small nonprofit that reported $735K in total revenue in fiscal year 2024. Revenue fell 54% from the prior year — a significant decline worth monitoring. Expenses of $921K exceeded revenue, resulting in a 25% operating deficit.

Mission

TO PROVIDE SERVICES IN ORDER TO IMPROVE THE HOUSING STOCK, ASSIST INDIVIDUALS TO BECOME HOMEOWNERS AND PROVIDE DECENT HOUSING TO LOW AND MODERATE INCOME PERSONS

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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 $0

Program Service Revenue $702,489

Investment Income $10,709

Other Revenue $21,474

TOTAL REVENUE $734,672

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $677,869

Other Expenses $920,772

TOTAL EXPENSES $920,772

Year-over-Year Comparison

	2024	2023	Change
Revenue	$734,672	$1,593,849	-0.5%
Expenses	$920,772	$1,727,107	-0.5%
Net Income	$-186,100	$-133,258	+0.4%

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

$118,550

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DIANE MEDEROS	Executive Dir.	40.00	Officer	$118,550	$0	$118,550
BETTE WALPOLE	Director	1.00	Director	$0	$0	$0
EDWARD STUART	Director	1.00	Director	$0	$0	$0
AIDA CABRAL	Director	1.00	Director	$0	$0	$0
JOSUE CANARIO	Director	1.00	Director	$0	$0	$0
VICKY WHITE	Treasurer	1.00	Officer Director	$0	$0	$0
DENISE ASCIOLA	President	1.00	Officer Director	$0	$0	$0
MARY MOREIRA	Secretary	1.00	Officer Director	$0	$0	$0
KATHY BAZINET	Director	1.00	Director	$0	$0	$0
CATHERINE TATTRIE	Vice President	1.00	Officer Director	$0	$0	$0
RUSSELL MELLO	Director	1.00	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
2025	$734,672	$920,772	$4,891,375	$-186,100
2024	$1,593,849	$1,727,107	$4,223,835	$-133,258
2023	$1,171,227	$1,849,516	$3,370,418	$-678,289
2022	$901,830	$940,295	$4,341,832	$-38,465
2021	$1,058,221	$1,013,157	$4,019,082	$45,064
2020	$2,262,030	$695,041	$3,827,920	$1,566,989
2019	$780,464	$595,469	$2,022,881	$184,995

EAST BAY COMMUNITY DEVELOPMENT CORP