NATIONAL COMMUNITY REINVESTMENT CO… - Form 990 Financial Data

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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

1990

Legal Domicile

Principal Officer

JESSE VAN TOL

Phone

2026288866

Tax Period

2023-01-01 to 2023-12-31

NATIONAL COMMUNITY REINVESTMENT COALITION INC, founded in 1990, is a mid-sized nonprofit in the Community Improvement sector that reported $12.4M in total revenue in fiscal year 2023. Revenue fell 28% from the prior year — a significant decline worth monitoring. Expenses of $17.0M exceeded revenue, resulting in a 38% operating deficit.

Mission

THE NATIONAL COMMUNITY REINVESTMENT COALITION'S MISSION IS TO MAKE A JUST ECONOMY A NATIONAL PRIORITY AND LOCAL REALITY. THE ORGANIZATION WORKS TO PROMOTE GREATER ACCESS TO CAPITAL IN LOW-INCOME, MINORITY COMMUNITIES THROUGH EFFECTIVE USE OF THE COMMUNITY REINVESTMENT ACT. NCRC SEEKS TO SUPPORT, CREATE, AND IMPLEMENT LONG-TERM SOLUTIONS WHICH INCLUDE PROVIDING TOOLS AND STRATEGIES FOR BUILDING COMMUNITY AND INDIVIDUAL ECONOMIC WELL-BEING.

Program Service Accomplishments

Program 1

Expenses: $6,708,828 Revenue: $0

NCRC IS A HUD NATIONAL HOUSING COUNSELING INTERMEDIARY. AS AN INTERMEDIARY, NCRC PROVIDES CAPACITY BUILDING TO ITS MEMBERS THROUGH ITS NATIONAL TRAINING ACADEMY AND HOUSING COUNSELING PROGRAM. NCRC'S TRAINING ACADEMY PROVIDES TRAINING AND TECHNICAL ASSISTANCE TO BUILD CAPACITIES OF COMMUNITY-BASED ORGANIZATIONS TO SERVE THEIR CONSTITUENTS ON TOPICS SUCH AS HOMEOWNERSHIP, FORECLOSURE PREVENTION, THE COMMUNITY REINVESTMENT ACT AND OTHER FAIR HOUSING, FAIR LENDING LAWS.

Program 2

Expenses: $4,136,366 Revenue: $5,395,900

NCRC PROVIDES A BROAD SET OF BENEFITS AND SPECIAL SERVICES TO ITS MEMBER ORGANIZATIONS THROUGH ITS COALITION BUILDING PROGRAM. BENEFITS INCLUDE DATA ANALYSIS, TRAININGS, TECHNICAL ASSISTANCE, AND...

NCRC PROVIDES A BROAD SET OF BENEFITS AND SPECIAL SERVICES TO ITS MEMBER ORGANIZATIONS THROUGH ITS COALITION BUILDING PROGRAM. BENEFITS INCLUDE DATA ANALYSIS, TRAININGS, TECHNICAL ASSISTANCE, AND LEGISLATIVE AND REGULATORY UPDATES. NCRC'S ANNUAL JUST ECONOMY CONFERENCE IS ONE OF THE LARGEST GATHERINGS OF COMMUNITY NONPROFITS, POLICYMAKERS, GOVERNMENT OFFICIALS, SMALL BUSINESSES, FINANCIAL INSTITUTIONS AND ACADEMIA.

Program 3

Expenses: $1,617,451 Revenue: $0

NCRC'S RESEARCH ANALYSIS PROVIDES TOOLS FOR ADVOCATES AND ORGANIZATIONS SEEKING TO UNDERSTAND AND ADDRESS PATTERNS OF LENDING AND INVESTMENT IN THEIR COMMUNITIES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $8,198,549

Program Service Revenue $5,395,900

Investment Income $250,176

Other Revenue $-1,476,376

TOTAL REVENUE $12,368,249

Expense Breakdown

Grants Paid $5,019,345

Salaries & Benefits $7,913,798

Fundraising Expenses $366,257

Program Expenses $14,008,230

Other Expenses $4,086,871

TOTAL EXPENSES $17,020,014

Year-over-Year Comparison

	2023	2022	Change
Revenue	$12,368,249	$17,200,460	-0.3%
Expenses	$17,020,014	$13,596,196	+0.3%
Net Income	$-4,651,765	$3,604,264	-2.3%

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

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

$921,767

Total Directors

Key Employees

$906,662

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CATHERINE CROSBY	CHAIR (UNTIL 8/2023)	5.00	Officer Director	$0	$0	$0
ROBERT DICKERSON JR	CHAIR	5.00	Officer Director	$0	$0	$0
BETHANY SANCHEZ	VICE CHAIR	1.00	Officer Director	$0	$0	$0
IRVIN HENDERSON	VICE CHAIR	1.00	Officer Director	$0	$0	$0
PETER HAINLEY	TREASURER	1.00	Officer Director	$0	$0	$0
ELISABETH RISCH	SECRETARY	1.00	Officer Director	$0	$0	$0
AARON MIRIPOL	BOARD MEMBER	1.00	Director	$0	$0	$0
ANDREANECIA MORRIS	BOARD MEMBER	1.00	Director	$0	$0	$0
ARDEN SHANK	BOARD MEMBER	1.00	Director	$0	$0	$0
BEVERLY WATTS	BOARD MEMBER	1.00	Director	$0	$0	$0
BRENT KAKESAKO	BOARD MEMBER (UNTIL 3/2023)	1.00	Director	$0	$0	$0
CAROL JOHNSON	BOARD MEMBER	1.00	Director	$0	$0	$0
CHARLES HARRIS	BOARD MEMBER	1.00	Director	$0	$0	$0
CORNELL CREWS	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVID ADAME	BOARD MEMBER	1.00	Director	$0	$0	$0
ERNEST HOGAN	BOARD MEMBER	1.00	Director	$0	$0	$0
GILBERT BLAND	BOARD MEMBER (UNTIL 3/2023)	1.00	Director	$0	$0	$0
JEAN ISHMON	BOARD MEMBER	1.00	Director	$0	$0	$0
KEVIN STEIN	BOARD MEMBER	1.00	Director	$0	$0	$0
MARCELINE WHITE	BOARD MEMBER (UNTIL 3/2023)	1.00	Director	$0	$0	$0
MATT HULL	BOARD MEMBER	1.00	Director	$0	$0	$0
MATTHEW LEE	BOARD MEMBER	1.00	Director	$0	$0	$0
MOISES LOZA	BOARD MEMBER	1.00	Director	$0	$0	$0
PHYLLIS EDWARDS	BOARD MEMBER	1.00	Director	$0	$0	$0
ROBERTO BARRAGAN	BOARD MEMBER	1.00	Director	$0	$0	$0
SHARON H LEE	BOARD MEMBER	1.00	Director	$0	$0	$0
STEVE GLAUDE	BOARD MEMBER	1.00	Director	$0	$0	$0
VERNICE MILLER-TRAVIS	BOARD MEMBER	1.00	Director	$0	$0	$0
WILL GONZALEZ	BOARD MEMBER	1.00	Director	$0	$0	$0
JESSE VAN TOL	PRESIDENT & CEO	40.00	Officer	$406,612	$74,512	$481,124
GREGORY DYSON	COO	40.00	Officer	$262,258	$32,355	$294,613
DIANE CROCKETT	CFO	4.00	Officer	$30,476	$0	$30,476
ADNAN BOKHARI	CFO (UNTIL 4/2023)	40.00	Officer	$94,608	$20,946	$115,554
MARISA CALDERON	EXECUTIVE DIRECTOR, CDF	5.00	Key Emp	$224,624	$39,225	$263,849
DEDRICK ASANTE-MUHAMMAD	CHIEF MEMBERSHIP, POLICY & EQUITY	40.00	Key Emp	$214,852	$15,040	$229,892
ANDREW NACHISON	CHIEF COMMUNICATIONS & MKT OFFICER	40.00	Key Emp	$196,943	$13,786	$210,729
SABRINA TERRY	CHIEF PROGRAMS & STRATEGIC DEVELOPMENT	40.00	Key Emp	$187,780	$14,412	$202,192
KEVIN SALL	DIRECTOR OF I.T.	40.00	Highest	$153,481	$10,744	$164,225
MEGAN HABERLE	SR. DIRECTOR OF POLICY	40.00	Highest	$146,002	$10,220	$156,222
RION DENNIS	SR.DIRECTOR OF GOVERNMENT AFFAIRS	40.00	Highest	$144,742	$18,592	$163,334
LARRY CAIN	DIRECTOR OF FINANCE	40.00	Highest	$140,564	$19,746	$160,310
JASON RICHARDSON	DIRECTOR OF REASARCH	40.00	Highest	$141,670	$18,163	$159,833

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	$12,368,249	$17,020,014	$109,072,478	$-4,651,765
2022	$17,200,460	$13,596,196	$115,256,013	$3,604,264
2021	$18,859,870	$15,489,413	$112,114,703	$3,370,457
2020	$10,929,174	$12,825,664	$111,740,328	$-1,896,490
2020	$10,929,174	$12,825,664	$111,740,328	$-1,896,490
2019	$9,142,865	$13,599,265	$114,585,057	$-4,456,400
2018	$11,564,691	$13,736,206	$119,061,421	$-2,171,515

NATIONAL COMMUNITY REINVESTMENT COALITION INC