MCE SOCIAL CAPITAL

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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

GARY FORD

Phone

4152304330

Tax Period

2024-01-01 to 2024-12-31

MCE SOCIAL CAPITAL, founded in 2005, is a community nonprofit in the Community Improvement sector that reported $8.0M in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $7.6M left a modest 5% surplus.

Mission

TO GENERATE ECONOMIC OPPORTUNITIES FOR WOMEN AND FAMILIES IN UNDERSERVED COMMUNITIES THROUGHOUT THE DEVELOPING WORLD.

Program Service Accomplishments

Program 1

Expenses: $6,504,559 Revenue: $6,868,050

DURING 2024, MCE SOCIAL CAPITAL ISSUED A COMBINED $52 MILLION IN NEW LOANS TO 39 FINANCIAL SERVICE PROVIDERS AND SMALL AND GROWING BUSINESSES. AT THE END OF 2024, MCE'S TOTAL OUTSTANDING PORTFOLIO OF LOANS WAS $96 MILLION HELD BY 67 FSPS AND SGBS. THIS CAPITAL WILL BE USED TO SUPPORT THE DEVELOPMENT OF BUSINESSES AND SOCIAL ENTERPRISES IN 34 COUNTRIES AROUND THE WORLD. SINCE DISBURSING ITS FIRST LOAN IN 2006, MCE HAS FINANCED LOANS FOR 138 FSPS AND 36 SGBS IN 51 COUNTRIES.

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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 $746,090

Program Service Revenue $6,642,497

Investment Income $354,581

Other Revenue $225,553

TOTAL REVENUE $7,968,721

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,654,467

Fundraising Expenses $200,011

Program Expenses $6,504,559

Other Expenses $4,930,748

TOTAL EXPENSES $7,585,215

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,968,721	$6,705,830	+0.2%
Expenses	$7,585,215	$7,743,692	0.0%
Net Income	$383,506	$-1,037,862	-1.4%

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

$989,937

Total Directors

$289,094

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAMILLA NESTOR	CEO	40.00	Officer Director	$267,344	$21,750	$289,094
GARY FORD	CHAIRMAN OF THE BOD	0.80	Officer Director	$0	$0	$0
AYESHA WAGLE	BOARD MEMBER, TREASURER	0.50	Officer Director	$0	$0	$0
KAREN KEATING ANSARA	BOARD MEMBER	0.70	Director	$0	$0	$0
JOHN AYLIFFE	BOARD MEMBER	1.60	Director	$0	$0	$0
MARK BLAUFUSS	BOARD MEMBER	0.60	Director	$0	$0	$0
LEAH BRADFORD FRANCIS	BOARD MEMBER	0.70	Director	$0	$0	$0
DAN BRUNNER	BOARD MEMBER	1.90	Director	$0	$0	$0
KEVIN CARNAHAN	BOARD MEMBER	1.60	Director	$0	$0	$0
JIM CHU	BOARD MEMBER	1.70	Director	$0	$0	$0
JIM DAVIDSON	BOARD MEMBER	0.40	Director	$0	$0	$0
RAYMOND J DUNN JAY DUNN	BOARD MEMBER	0.60	Director	$0	$0	$0
SAM HICKS	BOARD MEMBER	1.60	Director	$0	$0	$0
DAVID LAMBERT	BOARD MEMBER	0.40	Director	$0	$0	$0
ERIC MCCALLUM	BOARD MEMBER	0.40	Director	$0	$0	$0
JUSTIN MORALES	BOARD MEMBER	0.50	Director	$0	$0	$0
KANINI MUTOONI	BOARD MEMBER	0.40	Director	$0	$0	$0
SAYURI SHARPER	BOARD MEMBER	1.70	Director	$0	$0	$0
NANCY SWANSON	BOARD MEMBER	0.50	Director	$0	$0	$0
WILLIAM WAY	BOARD MEMBER	0.90	Director	$0	$0	$0
GENEVIEVE R LLAMZON	GENERAL COUNSEL & COO, SEC	40.00	Officer	$178,812	$15,412	$194,224
ELENA PONS	MANAGING DIRECTOR & CIO	40.00	Officer	$167,196	$0	$167,196
CATHERINE COVINGTON	MAN DIR & CHIEF BUS DEV OFFICER	40.00	Officer	$169,727	$24,241	$193,968
AMY BELL	MAN DIR & CFO (FROM 05/24)	40.00	Officer	$135,918	$9,537	$145,455
NATASHA GOLDSTEIN	INTERIM CFO (THRU 05/24)	40.00	Officer	$0	$0	$0
MOLLY MERNAH	CONTROLLER	40.00	Highest	$138,820	$10,369	$149,189
MARIA RAURELL	SENIOR DIRECTOR, INVESTMEN	40.00	Highest	$111,472	$0	$111,472
CHRISTINA LUKEMAN	DIR OF BUS DEV & COMMUNICA	40.00	Highest	$106,564	$34,867	$141,431

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	$7,968,721	$7,585,215	$106,422,180	$383,506
2023	$6,705,830	$7,743,692	$92,298,717	$-1,037,862
2022	$11,604,034	$12,397,991	$77,753,967	$-793,957
2021	$6,149,930	$5,960,385	$62,791,597	$189,545
2020	$11,304,694	$7,333,870	$63,369,251	$3,970,824
2019	$6,898,829	$5,197,855	$69,202,667	$1,700,974
2018	$5,917,501	$5,009,029	$69,169,063	$908,472