CDCLI FUNDING CORPORATION

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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

1997

Legal Domicile

Principal Officer

GWEN O'SHEA

Phone

6314711215

Tax Period

2024-01-01 to 2024-12-31

CDCLI FUNDING CORPORATION, founded in 1997, is a small nonprofit in the Human Services sector that reported $540K in total revenue in fiscal year 2024. Revenue surged 41% from the prior year, signaling strong growth momentum. The organization ran a surplus of $153K, a strong 28% operating margin.

Mission

CDCLI FUNDING CORPORATION IS A NOT-FOR-PROFIT CORPORATION THAT IS CERTIFIED BY THE U.S. DEPARTMENT OF TREASURY AS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION.THE ENTITY OFFERS VARIOUS LOAN PRODUCTS TO UNDER-RESOURCED AND UNDER-FINANCED INDIVIDUALS, COMMUNITIES AND DEVELOPMENTS.

Program Service Accomplishments

Program 1

Expenses: $350,811 Revenue: $242,620

PROGRAM SERVICE EXPENSES INCURRED IN CONNECTION WITH OVERSEEING ALL OPERATIONAL ASPECTS OF THE CDFI. OUTREACH, EDUCATION, LOAN PROCESS, UNDERWRITING, CLOSING AND LOAN MANAGEMENT.

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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 $297,477

Program Service Revenue $242,620

Investment Income $0

Other Revenue $0

TOTAL REVENUE $540,097

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,988

Fundraising Expenses $0

Program Expenses $350,811

Other Expenses $376,002

TOTAL EXPENSES $386,990

Year-over-Year Comparison

	2024	2023	Change
Revenue	$540,097	$383,331	+0.4%
Expenses	$386,990	$338,588	+0.1%
Net Income	$153,107	$44,743	+2.4%

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

$717,478

Total Directors

$443,514

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANNE-MARIE SCHEIDT	BOARD MEMBER/CHAIR	1.00	Officer Director	$0	$0	$0
BRIAN CLARKE	BOARD MEMBER	1.00	Director	$0	$0	$0
GWEN O'SHEA	PRESIDENT/CEO	2.00	Officer Director	$0	$43,070	$443,514
JAMES COUGHLAN	BOARD MEMBER	1.00	Director	$0	$0	$0
RICHARD ROBERTS	BOARD MEMBER	1.00	Director	$0	$0	$0
THERESA SANDERS	BOARD MEMBER/VICE CHAIR	1.00	Officer Director	$0	$0	$0
ALAN HEITNER	CFO/ TREASURER (UNTIL AUGUST 2024)	2.00	Officer	$0	$10,101	$178,255
ALLISON NORRIS	SECRETARY	2.00	Officer	$0	$12,428	$95,709
MARIAN CONWAY	TREASURER (AS OF SEPTEMBER 2024)	2.00	Officer	$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	$540,097	$386,990	$12,460,862	$153,107
2023	$383,331	$338,588	$9,828,456	$44,743
2022	$1,526,404	$216,770	$9,703,857	$1,309,634
2021	$303,422	$180,752	$10,027,474	$122,670
2020	$927,910	$285,984	$8,591,609	$641,926
2019	$121,008	$224,112	$6,707,888	$-103,104
2018	$358,516	$284,885	$6,890,725	$73,631