COMMUNITY CERTIFIED DEVELOPMENT CO… - Form 990 Financial Data

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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

2005

Legal Domicile

Principal Officer

WILLIAM EBERSOLE

Phone

7134571650

Tax Period

2024-10-01 to 2025-09-30

COMMUNITY CERTIFIED DEVELOPMENT CORP, founded in 2005, is a community nonprofit in the Community Improvement sector that reported $1.9M in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $1.8M left a modest 4% surplus.

Mission

THE PURPOSE OF THE CDC IS TO PROMOTE ECONOMIC DEVELOPMENT, TO STIMULATE THE GROWTH AND EXPANSION OF SMALL BUSINESS AND INDUSTRY, AND TO PROMOTE EXPANDED BUSINESS AND EMPLOYMENT OPPORTUNITIES IN THE COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $1,437,636 Revenue: $1,863,954

THE CDC APPROVED 26 LOANS TO SMALL BUSINESSES DURING THE FISCAL YEAR COVERED BY THIS RETURN FOR A TOTAL OF $41,303,000. A TOTAL OF 17 LOANS WERE FUNDED FOR A TOTAL OF $20,119,000. SINCE THE INCEPTION OF THE COMPANY IN 2005, 544 BUSINESSES HAVE BEEN ASSISTED THROUGHOUT TEXAS AND LOUISIANA. OVER $750,000,000 IN BUSINESS FINANCING HAS BEEN PROVIDED THROUGH SBA 504 AND RELATED PROGRAMS. 5,082 JOBS HAVE BEEN CREATED DURING THAT TIME. LOANS HAVE BEEN PROVIDED IN MANUFACTURING, FOOD SERVICEM, HOSPITALITY, AND MEDICAL BUSINESSES AMONG OTHERS.

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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 $1,863,954

Investment Income $31,668

Other Revenue $22,830

TOTAL REVENUE $1,918,452

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,329,797

Fundraising Expenses $0

Program Expenses $1,437,636

Other Expenses $516,568

TOTAL EXPENSES $1,846,365

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,918,452	$1,568,054	+0.2%
Expenses	$1,846,365	$1,617,369	+0.1%
Net Income	$72,087	$-49,315	-2.5%

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

N/A

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

$862,371

Total Directors

$567,698

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM S EBERSOLE	CEO	40.00	Officer Director	$498,158	$69,540	$567,698
ROBYN DRAGO	DIRECTOR	2.00	Director	$0	$0	$0
NADEEM DAMANI	DIRECTOR	2.00	Director	$0	$0	$0
TRES MASSER	DIRECTOR	2.00	Director	$0	$0	$0
JOEL ENGLISH	DIRECTOR	2.00	Director	$0	$0	$0
LINDA HAMMONS	DIRECTOR	2.00	Director	$0	$0	$0
DAVID MURPHY	DIRECTOR	2.00	Director	$0	$0	$0
JENTRI SMITH	DIRECTOR	2.00	Director	$0	$0	$0
KELI COLLINS	DIRECTOR	2.00	Director	$0	$0	$0
JUAN SANCHEZ	DIRECTOR	2.00	Director	$0	$0	$0
VINCENT CALICCHIA	PRESIDENT	40.00	Officer	$270,801	$23,872	$294,673
JEANNE BERGERON	BUSINESS DEVELOPMENT DIRECTOR - LOUISIANA	40.00	Highest	$124,844	$21,389	$146,233
LA TISHA VENTERS	BUSINESS DEVELOPMENT DIRECTOR - HOUSTON	40.00	Highest	$130,000	$13,356	$143,356

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	$1,918,452	$1,846,365	$1,155,829	$72,087
2024	$1,568,054	$1,617,369	$1,047,178	$-49,315
2023	$1,610,134	$1,615,695	$1,014,183	$-5,561
2022	$1,562,471	$1,621,543	$1,043,060	$-59,072
2021	$1,483,713	$1,290,223	$942,260	$193,490
2020	$1,463,888	$1,194,257	$693,262	$269,631
2019	$1,256,764	$1,162,862	$414,664	$93,902
2018	$1,211,898	$1,116,951	$300,859	$94,947

COMMUNITY CERTIFIED DEVELOPMENT CORP