SO CAL CDC (EIN 272790053) - Form 990 Financial Analysis & Trantor Score

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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

2010

Legal Domicile

Principal Officer

PAOLA MACCHIAVELLO

Phone

8186387001

Tax Period

2022-10-01 to 2023-09-30

SO CAL CDC, founded in 2010, is a community nonprofit in the Community Improvement sector that reported $1.3M in total revenue in fiscal year 2022.

Mission

SO CAL CDC IS A CERTIFIED DEVELOPMENT COMPANY WITH THE U.S. SMALL BUSINESS ADMINISTRATION. THE ORGANIZATION SPECIALIZES IN BELOW MARKET, FIXED RATE FINANCING FOR COMMERCIAL AND INDUSTRIAL PROJECTS THROUGH THE SBA 504 LOAN PROGRAM. SO CAL CDC ASSISTS SMALL BUSINESSES TO RECEIVE THE OPPORTUNITY OF FINANCING THEIR EXPANSION PROJECTS WITH ATTRACTIVE RATES AND TERMS. THE FINANCING CAN BE USED FOR THE PURCHASE AND/OR DEVELOPMENT OF LAND AND BUILDING FOR BUSINESS PURPOSES.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,336,098

Investment Income $91

Other Revenue $0

TOTAL REVENUE $1,336,189

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,106,666

Fundraising Expenses $0

Program Expenses $1,285,360

Other Expenses $335,647

TOTAL EXPENSES $1,442,313

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1,336,189	$1,265,649	+0.1%
Expenses	$1,442,313	$1,218,704	+0.2%
Net Income	$-106,124	$46,945	-3.3%

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

$412,658

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARTIN RODRIGUEZ	DIRECTOR	5.00	Officer Director	$0	$0	$0
JONATHAN LOPEZ	DIRECTOR	5.00	Officer Director	$0	$0	$0
RENE CERVANTES	DIRECTOR	5.00	Officer Director	$0	$0	$0
OSCAR MONTEAGUDO	CHAIRMAN	5.00	Officer Director	$0	$0	$0
JOEL VELASCO	DIRECTOR	5.00	Officer Director	$0	$0	$0
SCOTT WENRICH	DIRECTOR	5.00	Officer Director	$0	$0	$0
ROY JASSO	SECRETARY	5.00	Officer Director	$0	$0	$0
ALEX EBKARIAN	DIRECTOR	5.00	Officer Director	$0	$0	$0
SILVERIO ROBLEDO	PRESIDENT	40.00	Key Emp	$204,294	$0	$204,294
PAOLA MACCHIAVELLO	SECRETARY	40.00	Key Emp	$208,364	$0	$208,364

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	No data	No data	No data	No data
2023	$1,336,189	$1,442,313	$315,232	$-106,124
2022	$1,265,649	$1,218,704	$452,313	$46,945
2021	$1,159,114	$1,286,579	$477,307	$-127,465
2020	$1,155,095	$1,329,377	$635,841	$-174,282
2019	$1,287,420	$1,129,578	$698,924	$157,842
2018	$868,909	$866,680	$520,781	$2,229

SO CAL CDC