CENTRAL COUNTY COMMUNITY DEVELOPMENT CORPORATION (EIN 650699777) - 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

1993

Legal Domicile

Principal Officer

DR GERMAINE SMITH-BAUGH

Phone

9546252508

Tax Period

2023-07-01 to 2024-06-30

CENTRAL COUNTY COMMUNITY DEVELOPMENT CORPORATION, founded in 1993, is a community nonprofit in the Housing & Shelter sector that reported $1.4M in total revenue in fiscal year 2023. Revenue surged 23% from the prior year, signaling strong growth momentum. Expenses of $1.3M left a modest 12% surplus.

Mission

TO CATALYZE COMMUNITY AND ECONOMIC DEVELOPMENT REVITALIZATION IN LOW INCOME COMMUNITIES AND TO TRANSFORM THEIR PHYSCIAL, SOCIAL AND ECONOMIC INFRASTRUCTURES FOR BETTER OUTCOMES FOR RESIDENTS AND BUSINESSES. PRINCIPAL ACTIVITIES INCLUDE DEPLOYMENT/FINANCING OF CAPITAL TO SMALL BUSINESSES IN THE STATE OF FLORIDA AND THE DEVELOPMENT OF AFFORDABLE HOUSING.

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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 $892,528

Program Service Revenue $0

Investment Income $407,233

Other Revenue $140,711

TOTAL REVENUE $1,440,472

Expense Breakdown

Grants Paid $0

Salaries & Benefits $517,050

Fundraising Expenses $0

Program Expenses $775,138

Other Expenses $743,461

TOTAL EXPENSES $1,260,511

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,440,472	$1,168,745	+0.2%
Expenses	$1,260,511	$971,197	+0.3%
Net Income	$179,961	$197,548	-0.1%

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

N/A

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

$655,693

Total Directors

$467,213

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DR GERMAINE SMITH-BAUGH	CHAIR	5.00	Officer Director	$0	$61,218	$467,213
COURTNEE BISCARDI	EXECUTIVE VI	0.00	Officer	$0	$38,312	$188,480
DARRYL HOLSENDOLPH	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN NOLAN	DIRECTOR	1.00	Director	$0	$0	$0
SHARU GOODWYN	DIRECTOR	1.00	Director	$0	$0	$0
PAMELA ADAMS	VICE CHAIR	1.00	Officer Director	$0	$0	$0
TAMMY MCDONALD	SECRETARY	1.00	Officer Director	$0	$0	$0
RENEE JENKINS	DIRECTOR	1.00	Director	$0	$0	$0
IAN BERGER	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES KEYS	DIRECTOR	1.00	Director	$0	$0	$0

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	No data	No data	No data	No data
2024	$1,440,472	$1,260,511	$9,465,739	$179,961
2023	$1,168,745	$971,197	$9,011,450	$197,548
2022	$1,231,766	$793,787	$8,988,816	$437,979
2021	$1,162,430	$881,583	$7,025,796	$280,847
2020	$417,831	$516,877	$5,818,092	$-99,046
2019	$407,845	$576,639	$5,805,928	$-168,794

CENTRAL COUNTY COMMUNITY DEVELOPMENT CORPORATION