EDC LOAN CORPORATION

EIN: 431204634

KANSAS CITY, MO

Total Revenue
$304,837
Total Expenses
$786,117
Total Assets
$4,285,277
Net Assets
$4,283,967
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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
1980
Legal Domicile
MO
Principal Officer
TRACEY LEWIS
Phone
8166912122
Tax Period
2024-05-01 to 2025-04-30

EDC LOAN CORPORATION, founded in 1980, is a small nonprofit that reported $305K in total revenue in fiscal year 2024. Revenue fell 90% from the prior year — a significant decline worth monitoring. Expenses of $786K exceeded revenue, resulting in a 158% operating deficit.

Mission

PROVIDE LOANS TO QUALIFIED BUSINESSES IN THE CORPORATION'S TARGETED AREA.

Program Service Accomplishments

Program 1
Expenses: $682,788 Revenue: $138,745

PARTICIPATION WITH LOCAL LENDING INSTITUTIONS TO PROVIDE LOANS TO QUALIFIED BUSINESSES IN THE CORPORATION'S TARGETED AREA. PARTICIPATION IN THE SMALL BUSINESS ADMINISTRATION'S SECTION 504 LOAN...

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PARTICIPATION WITH LOCAL LENDING INSTITUTIONS TO PROVIDE LOANS TO QUALIFIED BUSINESSES IN THE CORPORATION'S TARGETED AREA. PARTICIPATION IN THE SMALL BUSINESS ADMINISTRATION'S SECTION 504 LOAN PROGRAM AS A CERTIFIED DEVELOPMENT CORPORATION.

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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%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $165,216
Program Service Revenue $138,745
Investment Income $876
Other Revenue $0
TOTAL REVENUE $304,837

Expense Breakdown

Grants Paid $200,000
Salaries & Benefits $0
Fundraising Expenses $0
Program Expenses $682,788
Other Expenses $586,117
TOTAL EXPENSES $786,117

Year-over-Year Comparison

2024 2023 Change
Revenue $304,837 $3,047,159 -0.9%
Expenses $786,117 $644,901 +0.2%
Net Income $-481,280 $2,402,258 -1.2%
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

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Governance

Voting Members
9
Independent Members
9
Employees
N/A
Volunteers
10

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
3
$299,775
Total Directors
9
$299,775
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
MARIO VASQUEZ DIRECTOR 1.00
Director
$0 $0 $0
NIA WEBSTER INTERIM BOARD CHAIR 1.00
Officer Director
$0 $0 $0
HEATHER WATTS DIRECTOR 1.00
Director
$0 $0 $0
WILLIAM CHOI DIRECTOR 1.00
Director
$0 $0 $0
KEVIN HOGG SECRETARY 1.00
Officer Director
$0 $0 $0
MADISON KUNKEL DIRECTOR 1.00
Director
$0 $0 $0
JACK STEADMAN DIRECTOR 1.00
Director
$0 $0 $0
VICTOR HAMMONDS DIRECTOR 1.00
Director
$0 $0 $0
TRACEY LEWIS CDC MANAGER 2.00
Officer Director
$0 $52,275 $299,775
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 $304,837 $786,117 $4,285,277 $-481,280
2024 $3,047,159 $644,901 $4,901,129 $2,402,258
2023 $284,456 $246,517 $2,452,885 $37,939
2022 $520,219 $113,296 $2,386,310 $406,923
2021 $4,016,030 $3,240,801 $1,947,431 $775,229
2020 $71,102 $138,875 $1,157,272 $-67,773
2019 $194,558 $360,244 $1,245,616 $-165,686
2018 $224,033 $303,562 $1,400,062 $-79,529
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