NATIONAL ASSOCIATION FOR LATINO COMMUNITY ASSET BUILDERS

EIN: 200774672 501(c)(3) Community Improvement

SAN ANTONIO, TX

Total Revenue
$15,362,995
Total Expenses
$11,875,390
Total Assets
$44,352,039
Net Assets
$21,867,061
🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Sign In — Free (10 views/day)

Financial Trends

Organization Details

Formation Year
2002
Legal Domicile
TX
Principal Officer
MARLA BILONICK
Phone
2102271010
Tax Period
2024-01-01 to 2024-12-31

NATIONAL ASSOCIATION FOR LATINO COMMUNITY ASSET BUILDERS, founded in 2002, is a mid-sized nonprofit in the Community Improvement sector that reported $15.4M in total revenue in fiscal year 2024. Revenue surged 57% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.5M, a strong 23% operating margin.

Mission

NALCAB STRENGTHENS THE ECONOMY BY ADVANCING ECONOMIC MOBILITY IN LATINO COMMUNITIES.

Program Service Accomplishments

Program 1
Expenses: $6,900,206 Revenue: $155,125

ORGANIZATIONAL CAPACITY BUILDING - AS A US TREASURY-CERTIFIED CDFI LENDER AND GRANTMAKER, NALCAB STRENGTHENS, COORDINATES, AND BUILDS THE SYSTEMS AND CAPACITY OF ITS NATIONAL NETWORK MEMBERS, OTHER...

Read more

ORGANIZATIONAL CAPACITY BUILDING - AS A US TREASURY-CERTIFIED CDFI LENDER AND GRANTMAKER, NALCAB STRENGTHENS, COORDINATES, AND BUILDS THE SYSTEMS AND CAPACITY OF ITS NATIONAL NETWORK MEMBERS, OTHER NONPROFITS, AND GOVERNMENT PARTNERS TO ADVANCE ECONOMIC MOBILITY IN COMMUNITIES ACROSS THE UNITED STATES, WITH A PARTICULAR FOCUS ON LOW- AND MODERATE-INCOME LATINO COMMUNITIES. NALCAB CREATES CAPITAL, CAPACITY, COLLECTIVE VOICE, AND COMMUNITY BY INCREASING ACCESS TO GRANTS AND INVESTMENT CAPITAL; UNLOCKING ACCESS TO TECHNICAL ASSISTANCE RESOURCES; SHARING RESEARCH TO IMPROVE ORGANIZATIONAL EFFECTIVENESS AND RESOURCES; CREATING AND STRENGTHENING ASSET-BUILDING PRACTITIONER PEER NETWORKS; USING CULTURALLY RELEVANT TRAINING TO DEVELOP LEADERS IN THE ASSET-BUILDING FIELD; AND DEVELOPING A STRATEGIC NATIONAL VOICE FOR MORE THAN 200 ORGANIZATIONS AND THE COMMUNITIES THEY SERVE. THESE ACTIVITIES STRENGTHEN LOCAL LEADERSHIP, EXPAND OPPORTUNITY FOR FAMILIES AND ENTREPRENEURS, AND CONTRIBUTE TO STRONGER LOCAL ECONOMIES AND A MORE PROSPEROUS NATION.

Program 2
Expenses: $484,934 Revenue: $0

POLICY EDUCATION AND FIELD BUILDING - THE POLICY ADVOCACY AND FIELD-BUILDING PROGRAM PROVIDES MEMBERS AND DECISION-MAKERS WITH RESEARCH, POLICY EDUCATION, AND ADVOCACY EFFORTS TO INFLUENCE PRIVATE...

Read more

POLICY EDUCATION AND FIELD BUILDING - THE POLICY ADVOCACY AND FIELD-BUILDING PROGRAM PROVIDES MEMBERS AND DECISION-MAKERS WITH RESEARCH, POLICY EDUCATION, AND ADVOCACY EFFORTS TO INFLUENCE PRIVATE, PHILANTHROPIC, AND GOVERNMENTAL INVESTORS TO RESPONSIBLY MEET THE ASSET-BUILDING NEEDS AND OPPORTUNITIES OF LOW- AND MODERATE INCOME COMMUNITIES. THROUGH NALCAB'S SUPPORT AND THE BENEFIT OF THE COLLECTIVE NALCAB NETWORK, MEMBERS MAY DEVELOP AND ADVOCATE FOR POLICY STRATEGIES THAT SERVE THEIR COMMUNITIES AT THE LOCAL, STATE, AND FEDERAL LEVELS. NALCAB PUBLISHES RESEARCH AND CASE STUDIES ON ISSUES SUCH AS SMALL BUSINESS GROWTH IN LATINO COMMUNITIES, HOUSING STABILITY, AND PLACE-BASED ECONOMIC INVESTMENT. THESE ACTIVITIES STRENGTHEN THE FIELD OF ASSET BUILDING, ENHANCE THE VISIBILITY OF COMMUNITY-BASED ORGANIZATIONS, AND CONTRIBUTE TO A MORE RESILIENT AND PROSPEROUS NATIONAL ECONOMY.

Program 3
Expenses: $1,081,994 Revenue: $985,665

LENDING AND ASSET MANAGEMENT - AS A U.S. TREASURY-CERTIFIED CDFI AND INTERMEDIARY LENDER, NALCAB PROVIDES CULTURALLY RELEVANT FINANCIAL PRODUCTS AND SERVICES THAT EXPAND ACCESS TO CAPITAL AND ADVANCE...

Read more

LENDING AND ASSET MANAGEMENT - AS A U.S. TREASURY-CERTIFIED CDFI AND INTERMEDIARY LENDER, NALCAB PROVIDES CULTURALLY RELEVANT FINANCIAL PRODUCTS AND SERVICES THAT EXPAND ACCESS TO CAPITAL AND ADVANCE ECONOMIC MOBILITY IN COMMUNITIES ACROSS THE UNITED STATES, WITH A PARTICULAR FOCUS ON LATINO AND LOW- AND MODERATE-INCOME COMMUNITIES THAT FACE BARRIERS TO INVESTMENT. NALCAB SUPPLIES ITS MEMBERS AND BORROWERS WITH CAPITAL, LIQUIDITY, AND SCALE TO FINANCE AFFORDABLE HOUSING, SUPPORT SMALL-BUSINESS GROWTH, AND STRENGTHEN FAMILY FINANCIAL CAPABILITY. OFFERINGS INCLUDE COMMERCIAL REAL-ESTATE LOANS, SMALL-BUSINESS LOAN CAPITAL, AFFORDABLE-HOUSING PROJECT LOANS, LOAN PARTICIPATION FINANCING, LOAN GUARANTEES, AND BLENDED PACKAGES THAT COMBINE LENDING WITH TECHNICAL ASSISTANCE OR GRANTS. LENDING CAPITAL IS SOURCED FROM REVENUES, CASH RESERVES, PRIVATE PHILANTHROPY, BANK FINANCING, THE CDFI FUND, AND THE US HUD, INCLUDING THE RURAL CAPACITY BUILDING PROGRAM. ESCALERA COMMUNITY INVESTMENTS, LLC (ESCALERA), AN ASSET MANAGEMENT COMPANY OWNED BY NALCAB, MANAGES TWO MISSION-DRIVEN INVESTMENT VEHICLES: NALCAB CATALYST FUND I, LLC (THE CATALYST FUND AND THE ACCESO LOAN FUND, LLC (ACCESO). THE CATALYST FUND TARGETS AND OPERATES INVESTMENTS IN SINGLE- AND MULTIFAMILY PROJECTS THAT PROVIDE HOUSEHOLDS WITH ACCESS TO EMPLOYMENT, QUALITY EDUCATION, AND HEALTHCARE RESOURCES, ALL ESSENTIAL FACTORS FOR ADVANCING ECONOMIC MOBILITY. ACCESO IS A NATIONAL SMALL BUSINESS LOAN FUND THAT SUPPORTS GROWTH-ORIENTED LENDING TO DESIGNED TO STRENGTHEN THE CAPACITY OF COMMUNITY-BASED, LATINO-LED NONPROFIT LENDERS BY PROVIDING GROWTH CAPITAL THAT ENABLES THEM TO SERVE MORE ENTREPRENEURS IN UNDERCAPITALIZED MARKETS. THESE INVESTMENTS EXPAND ACCESS TO RESPONSIBLE CAPITAL, PROMOTE SMALL-BUSINESS DEVELOPMENT AND HOUSING STABILITY, AND SUPPORT LONG-TERM COMMUNITY WEALTH-BUILDING AND NATIONAL ECONOMIC PROSPERITY.

🔒

Trantor Score

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

Sign in to view Trantor Score and financial metrics

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

Sign In — Free (10 views/day)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $13,596,657
Program Service Revenue $1,142,689
Investment Income $399,932
Other Revenue $223,717
TOTAL REVENUE $15,362,995

Expense Breakdown

Grants Paid $2,178,100
Salaries & Benefits $5,510,351
Fundraising Expenses $253,272
Program Expenses $8,596,037
Other Expenses $4,186,939
TOTAL EXPENSES $11,875,390

Year-over-Year Comparison

2024 2023 Change
Revenue $15,362,995 $9,765,064 +0.6%
Expenses $11,875,390 $9,060,888 +0.3%
Net Income $3,487,605 $704,176 +4.0%
Key Indicators
Grants to Organizations Grants to Individuals Lobbying Political Activity Foreign Activities Donor Advised Fund Schedule B Required
🔒

Financial Health Indicators

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

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

Sign In

Governance

Voting Members
13
Independent Members
13
Employees
65
Volunteers
13

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
8
$969,557
Total Directors
14
$0
Key Employees
2
$370,101
Highest Compensated
5
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
ALICIA NUNEZ DIRECTOR 1.50
Director
$0 $0 $0
DUANNE ANDRADE DIRECTOR 1.50
Director
$0 $0 $0
EMI REYES DIRECTOR 1.50
Director
$0 $0 $0
FERNANDO LEMOS DIRECTOR 1.50
Director
$0 $0 $0
HENRY JIMENEZ DIRECTOR 1.50
Director
$0 $0 $0
LINDSEY NAVARRO DIRECTOR 1.50
Director
$0 $0 $0
LUIS GRANADOS DIRECTOR 1.50
Director
$0 $0 $0
MILEYKA BURGOS-FLORES DIRECTOR 1.50
Director
$0 $0 $0
PEDRO RAMOS TREASURER 1.50
Officer Director
$0 $0 $0
PEDRO ZAMORA DIRECTOR 1.50
Director
$0 $0 $0
RAFAEL TORRES SECRETARY (OUTGOING) 1.50
Officer Director
$0 $0 $0
RAUL RAYMUNDO CHAIR 1.50
Officer Director
$0 $0 $0
SHELLY MARQUEZ VICE CHAIR 1.50
Officer Director
$0 $0 $0
VICKY GARCIA DIRECTOR 1.50
Director
$0 $0 $0
CELINA GOMEZ INTERIM CFO (UNTIL 3/29/24) 40.00
Officer
$49,370 $7,887 $57,257
LEVAR MARTIN EXECUTIVE VP & CHIEF STRAT 40.00
Officer
$263,585 $37,918 $301,503
MARLA BILONICK PRESIDENT & CEO 40.00
Officer
$353,601 $16,725 $370,326
OLGA NELLY ROJAS-MORENO CHIEF FINANCIAL OFFICER 40.00
Officer
$232,321 $8,150 $240,471
ALEJANDRA AMAROLI DIRECTOR OF RESOURCE DEVEL 40.00
Key Emp
$152,758 $38,388 $191,146
HOLLY L FRINDELL CHIEF PROGRAM OFFICER 40.00
Key Emp
$155,852 $23,103 $178,955
CLARINDA LANDEROS DIRECTOR OF PUBLIC POLICY 40.00
Highest
$133,793 $4,014 $137,807
EARTHA CRUZ SR DIRECTOR OF HUMAN RESOURCES & ORGANIZATIONAL CU 40.00
Highest
$108,585 $26,808 $135,393
JEREMY CARTER SR DIRECTOR OF PROGRAMS 40.00
Highest
$107,206 $27,217 $134,423
MARIA ELENA FREDERICK EXECUTIVE ASSISTANT & SPECIAL PROJECTS OFFICER 40.00
Highest
$109,256 $14,946 $124,202
STORM TALIAFERROW SR DIRECTOR OF NALCE 40.00
Highest
$107,905 $19,277 $127,182
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 $15,362,995 $11,875,390 $44,352,039 $3,487,605
2023 $9,765,064 $9,060,888 $33,945,413 $704,176
2022 $9,962,609 $6,887,067 $25,685,068 $3,075,542
2021 $12,721,747 $8,801,997 $21,401,008 $3,919,750
2020 $9,957,718 $6,486,588 $15,653,126 $3,471,130
2019 $15,710,650 $14,314,176 $19,665,930 $1,396,474
2018 $6,644,594 $4,600,706 $8,635,951 $2,043,888
Explore More Nonprofits
Top 100 Nonprofits in Texas Largest U.S. Nonprofits Best Rated Nonprofits Most Efficient Nonprofits

Compare NATIONAL ASSOCIATION FOR LATINO COMMUNITY ASSET BUILDERS with other nonprofits in Texas and across the country.