THE VALLEY CENTER OPPORTUNITY ZONE

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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

2006

Legal Domicile

Principal Officer

PETER GUZMAN

Phone

7023848269

Tax Period

2024-07-01 to 2025-06-30

THE VALLEY CENTER OPPORTUNITY ZONE, founded in 2006, is a small nonprofit in the Community Improvement sector that reported $161K in total revenue in fiscal year 2024.

Mission

THE NBSP;VALLEY NBSP;CENTER NBSP;OPPORTUNITY NBSP;ZONE NBSP;(VCOZ) NBSP;PROVIDES NBSP;GRANT NBSP;ASSISTANCE NBSP;TO NBSP;SMALL NBSP;BUSINESSES NBSP;THAT NBSP;TRADITIONAL NBSP;LENDERS NBSP;WILL NBSP;NOT NBSP;DEAL NBSP;WITH

Program Service Accomplishments

Program 1

Expenses: $161,904 Revenue: $161,025

THROUGH THE GRANTS VCOZ WAS ABLE TO HELP 8 SMALL BUSINESSES IN THE VALLEY CENTER OPPORTUNITY ZONE

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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 $161,025

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $161,025

Expense Breakdown

Grants Paid $86,000

Salaries & Benefits $58,487

Fundraising Expenses $0

Program Expenses $161,904

Other Expenses $17,417

TOTAL EXPENSES $161,904

Year-over-Year Comparison

	2024	2023	Change
Revenue	$161,025	$161,025	N/A
Expenses	$161,904	$175,329	-0.1%
Net Income	$-879	$-14,304	-0.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PETER GUZMAN	PRESIDENT CEO	001.00	Officer Key Emp	$0	$0	$0
CARLOS GOMEZ	CHAIRMAN	001.00	Officer Director	$0	$0	$0
JD CALHOUN	VICE CHAIRMAN	001.00	Officer Director	$0	$0	$0
DEBBIE HOLLERAN	BOARD MEMBER	001.00	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	$161,025	$161,904	$60,856	$-879
2024	$161,025	$175,329	$60,335	$-14,304
2023	$215,197	$162,243	$74,136	$52,954
2022	$214,700	$215,715	$21,018	$-1,015
2021	$214,700	$209,252	$24,366	$5,448