COMMUNITY INVESTMENT COLLABORATIVE (EIN 454105820) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2012

Legal Domicile

Principal Officer

STEPHEN DAVIS

Phone

4342183481

Tax Period

2025-01-01 to 2025-12-31

COMMUNITY INVESTMENT COLLABORATIVE, founded in 2012, is a small nonprofit in the Community Improvement sector that reported $737K in total revenue in fiscal year 2018. Revenue surged 74% from the prior year, signaling strong growth momentum. The organization ran a surplus of $134K, a strong 18% operating margin.

Mission

COMMUNITY INVESTMENT COLLABORATIVE'S MISSION IS TO STRENGTHEN OUR COMMUNITY AND CONTRIBUTE TO ECONOMIC DEVELOPMENT BY FUELING THE SUCCESS OF UNDER-RESOURCED ENTREPRENEURS THROUGH EDUCATION, MENTORING, MICRO-LENDING AND NETWORKING.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $2,695,446

Program Service Revenue $372,638

Investment Income $26,997

Other Revenue $0

TOTAL REVENUE $3,095,081

Expense Breakdown

Grants Paid $195,809

Salaries & Benefits $1,509,186

Fundraising Expenses $128,197

Program Expenses $2,241,244

Other Expenses $849,809

TOTAL EXPENSES $2,554,804

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,095,081	$2,414,442	+0.3%
Expenses	$2,554,804	$2,439,756	+0.0%
Net Income	$540,277	$-25,314	-22.3%

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

103

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

$143,780

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DELORES ROBERTS	CHAIR	2.00	Officer Director	$0	$0	$0
DANIELLE HOPKINS	VICE CHAIR	2.00	Officer Director	$0	$0	$0
SARAD DAVENPORT	DIRECTOR	1.00	Director	$0	$0	$0
JACOB D'ANIELLO	DIRECTOR	1.00	Director	$0	$0	$0
VICTORIA MAXEY	DIRECTOR	1.00	Director	$0	$0	$0
S LISA HERNDON	DIRECTOR	1.00	Director	$0	$0	$0
MELODY BIANCHETTO	DIRECTOR	1.00	Director	$0	$0	$0
HOPE LAWRENCE	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT WOOD	DIRECTOR	1.00	Director	$0	$0	$0
CKALIB NELSON	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN DAVIS	PRESIDENT	40.00	Officer	$132,500	$11,280	$143,780

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	$3,095,081	$2,554,804	$3,843,834	$540,277
2024	$2,414,442	$2,439,756	$2,805,894	$-25,314
2023	$2,055,191	$1,997,284	$2,802,558	$57,907
2022	$2,244,096	$2,035,079	$2,566,394	$209,017
2021	$2,838,911	$2,386,384	$2,335,372	$452,527
2020	$13,501,083	$12,747,007	$1,933,615	$754,076
2019	$690,593	$584,029	$817,524	$106,564
2018	$737,370	$603,104	$709,754	$134,266

COMMUNITY INVESTMENT COLLABORATIVE