SAN JOSE, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT, founded in 1993, is a mid-sized nonprofit in the Community Improvement sector that reported $71.1M in total revenue in fiscal year 2024. Revenue surged 60% from the prior year, signaling strong growth momentum. The organization ran a surplus of $12.4M, a strong 17% operating margin.
ACCION OPPORTUNITY FUND'S MISSION IS TO DELIVER AFFORDABLE CAPITAL AND RESPONSIBLE FINANCIAL SOLUTIONS TO UNDERSERVED ENTREPRENEURS AND COMMUNITIES, WITH A SPECIAL FOCUS ON LOW-INCOME PEOPLE, PEOPLE OF COLOR, AND WOMEN.
SMALL BUSINESS LENDING PROGRAM - THE ORGANIZATION MAKES LOANS TO SMALL BUSINESSES THAT LACK ACCESS TO AFFORDABLE CREDIT FROM TRADITIONAL SOURCES. SINCE INCEPTION, THE ORGANIZATION HAS MADE OVER...
SMALL BUSINESS LENDING PROGRAM - THE ORGANIZATION MAKES LOANS TO SMALL BUSINESSES THAT LACK ACCESS TO AFFORDABLE CREDIT FROM TRADITIONAL SOURCES. SINCE INCEPTION, THE ORGANIZATION HAS MADE OVER 35,380 LOANS TOTALING $1,066 MILLION TO SMALL BUSINESSES WHOSE OWNERS ARE PRIMARILY PEOPLE OF COLOR AND LOW AND MODERATE INCOME. MANY LOANS TO CALIFORNIA-BASED BORROWERS ARE ENROLLED IN A CREDIT LOSS BACKSTOP PROGRAM PARTIALLY FUNDED BY THE STATE OF CALIFORNIA AS PART OF ITS CAPITAL ACCESS PROGRAM. (CONTINUED ON SCHEDULE O) THE ORGANIZATION SELLS PARTICIPATIONS IN ITS LOAN PORTFOLIO. THE PURPOSE OF THESE SALES IS TO MANAGE CREDIT CONCENTRATION IN THE ORGANIZATION'S PORTFOLIO AND TO GENERATE LIQUIDITY TO PROVIDE FOR ADDITIONAL LOAN GROWTH. LOANS ARE TYPICALLY SOLD AT A PREMIUM OVER FACE VALUE AND THE ORGANIZATION RETAINS THE SERVICING OF THE LOANS, FOR WHICH IT CHARGES A MONTHLY FEE.
NEW MARKET TAX CREDITS PROGRAM - IN 2003, THE ORGANIZATION WAS CERTIFIED BY THE U.S. DEPARTMENT OF TREASURY COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION FUND ("CDFI FUND") AS A COMMUNITY DEVELOPMENT...
NEW MARKET TAX CREDITS PROGRAM - IN 2003, THE ORGANIZATION WAS CERTIFIED BY THE U.S. DEPARTMENT OF TREASURY COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION FUND ("CDFI FUND") AS A COMMUNITY DEVELOPMENT ENTITY ("CDE") UNDER ITS NEW MARKET TAX CREDIT (''NMTC") PROGRAM. AS OF JUNE 30, 2025, THE ORGANIZATION HAS RECEIVED A CUMULATIVE TOTAL OF $558 MILLION OF TAX CREDIT ALLOCATIONS. THE ORGANIZATION THROUGH ITS SUBSIDIARY CDE, THE LCD NEW MARKETS FUND, LLC, USES THESE ALLOCATIONS TO ATTRACT NEW CAPITAL TO SUPPORT LARGE REAL ESTATE PROJECTS PROVIDING HIGH COMMUNITY IMPACT IN LOW-INCOME AREAS. AS OF JUNE 30, 2025 AND 2024, THE ORGANIZATION HAS DEPLOYED $522 MILLION AND $498 MILLION IN QUALIFIED EQUITY INVESTMENTS ("QEIS"), RESPECTIVELY.
POLICY PROGRAM: ACCION OPPORTUNITY FUND CONDUCTS PROGRAM EVALUATION AND RESEARCH AND ADVOCATES FOR FEDERAL, STATE AND LOCAL PUBLIC POLICIES THAT WILL BENEFIT OUR MISSION AND THE WORKING FAMILIES THAT...
POLICY PROGRAM: ACCION OPPORTUNITY FUND CONDUCTS PROGRAM EVALUATION AND RESEARCH AND ADVOCATES FOR FEDERAL, STATE AND LOCAL PUBLIC POLICIES THAT WILL BENEFIT OUR MISSION AND THE WORKING FAMILIES THAT OUR PROGRAMS SERVE.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $71,138,134 | $44,456,188 | +0.6% |
| Expenses | $58,689,618 | $55,470,785 | +0.1% |
| Net Income | $12,448,516 | $-11,014,597 | -2.1% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| LUZ DE LOURDES LOPEZ URRUTIA | CHIEF EXECUTIVE OFFICER | 38.00 |
Officer
Director
|
$366,073 | $25,996 | $392,069 |
| GREG AVIS | BOARD CHAIR | 1.50 |
Officer
Director
|
$0 | $0 | $0 |
| CARETHA COLEMAN | VICE CHAIR | 1.50 |
Officer
Director
|
$0 | $0 | $0 |
| SWATI BHATIA | SECRETARY | 1.50 |
Officer
Director
|
$0 | $0 | $0 |
| TODD BAKER | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| GOPI BILA | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| PHIL BLACK | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| DICKSON CHU | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| SOLANA COZZO | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| JONI CROPPER | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| DEBRA ENGEL | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| MADELEINE FACKLER | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| BRIAN GRAHAM | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| PARKER HUDNUT | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| LATA KRISHNAN | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| JUANITA LOTT | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| SAMUEL RAMOS | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| MICHAEL SCHLEIN | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| DIANA TAYLOR | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| KARTHIK VENKATARAMAN | DIRECTOR | 1.50 |
Director
|
$0 | $0 | $0 |
| DAVID COULTAS | CHIEF FINANICAL AND OPERATING OFFICER | 38.00 |
Officer
|
$418,314 | $42,049 | $460,363 |
| ROBERT KERN SEARS | CHIEF TECHNOLOGY & STRATEGY OFFICER | 40.00 |
Key Emp
|
$353,795 | $35,799 | $389,594 |
| AUGUSTO VAZQUEZ | CHIEF REVENUE OFFICER | 40.00 |
Key Emp
|
$345,839 | $34,368 | $380,207 |
| ANJANA THATTE THATTE BERDE | CHIEF PEOPLE OFFICER (THRU 02/25) | 40.00 |
Key Emp
|
$339,471 | $33,614 | $373,085 |
| CHRISTOPHER PILKERTON | CHIEF LEGAL & REG STRA OFFICER (THRU 02/25) | 40.00 |
Key Emp
|
$315,955 | $34,026 | $349,981 |
| PATNY SANJEEV | CHIEF CREDIT OFFICER | 40.00 |
Key Emp
|
$319,946 | $16,862 | $336,808 |
| LUIS RODRIGUEZ | CHIEF OPERATIONS & SERVICING OFFICER | 40.00 |
Key Emp
|
$300,841 | $20,104 | $320,945 |
| GRETCHEN RUETHLING | SVP, STRATEGIC PARTNERSHIPS AND PROGRAMS (THRU 02/ | 40.00 |
Key Emp
|
$258,668 | $36,810 | $295,478 |
| VERONICA FIGOLI FLEISCHER | CHIEF DEVELOPMENT OFFICER (THRU 05/25) | 40.00 |
Key Emp
|
$250,088 | $9,082 | $259,170 |
| ANNA SCHEMBER | CHIEF OF STAFF | 38.00 |
Key Emp
|
$191,490 | $18,934 | $210,424 |
| WILLIAMS WATSON | NATIONAL SALES MANAGER | 40.00 |
Highest
|
$598,419 | $43,883 | $642,302 |
| LAUREN N VAN DER TUIN | CHIEF CUSTOMER EXPERIENCE OFFICER | 40.00 |
Highest
|
$309,154 | $32,885 | $342,039 |
| KEVIN P GABEL | VP, PRODUCT | 40.00 |
Highest
|
$308,296 | $39,698 | $347,994 |
| ADRIANA EIRIZ | SVP, PARTNERSHIP & STRATEGIC GROWTH | 40.00 |
Highest
|
$259,674 | $22,225 | $281,899 |
| JOE WILLIAMS | SR. DIRECTOR, INFORMATION TECHNOLOGY OPS | 40.00 |
Highest
|
$236,977 | $34,894 | $271,871 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $71,138,134 | $58,689,618 | $257,311,734 | $12,448,516 |
| 2024 | $44,456,188 | $55,470,785 | $217,343,540 | $-11,014,597 |
| 2023 | $50,501,448 | $51,481,991 | $228,764,404 | $-980,543 |
| 2022 | $58,948,332 | $36,949,147 | $197,674,592 | $21,999,185 |
| 2021 | $53,600,614 | $37,865,674 | $200,481,759 | $15,734,940 |
| 2020 | $45,705,804 | $35,943,453 | $131,694,141 | $9,762,351 |
| 2019 | $30,948,868 | $31,063,419 | $120,500,262 | $-114,551 |
| 2018 | $23,892,492 | $25,900,577 | $101,313,439 | $-2,008,085 |
Compare ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT with other nonprofits in California and across the country.