COMMUNITY DEVELOPMENT CORPORATION … - 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

1975

Legal Domicile

Principal Officer

NICK MITCHELL BENNETT

Phone

9565414955

Tax Period

2024-10-01 to 2025-09-30

COMMUNITY DEVELOPMENT CORPORATION OF BROWNSVILLE DBA COME DREAM COME BUILD, founded in 1975, is a mid-sized nonprofit in the Housing & Shelter sector that reported $17.6M in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year. The organization ran a surplus of $3.0M, a strong 17% operating margin.

Mission

CDCB'S MISSION IS TO ASSIST LOW INCOME RESIDENTS TO IMPROVE THEIR FINANCIAL SECURITY THROUGH FINANCIAL EDUCATION, GED EDUCATION, JOB TRAINING, AND THE PRODUCTION, FINANCE, AND MANAGEMENT OF AFFORDABLE HOUSING.

Program Service Accomplishments

Program 1

Expenses: $11,639,661 Revenue: $6,815,606

TO ASSIST LOW-INCOME FAMILIES IN ATTAINING OR PRESERVING HOME OWNERSHIP OR AFFORDABLE RENTAL HOUSING THROUGH HOUSING COUNSELING, AFFORDABLE RENTS, BELOW MARKET FINANCING, CONSTRUCTION AND USE OF THE HOME DESIGNS AND TARGET OUTREACH. BUILT AND/OR FINANCED 32 SINGLE FAMILY HOMES FOR HOME OWNERSHIP, ASSISTED 137 FAMILIES WITH RENTAL ASSISTANCE, AND DEVELOPED 40 PERMANENT SUPPORTIVE HOUSING UNITS. ASSISTED 747 FAMILIES WITH FIRST TIME HOME OWNERSHIP COUNSELING VISITS, MAKING 181 FAMILIES HOME BUYER READY, CONDUCTED 41 FINANCIAL EDUCATION CLASSES.

Program 2

Expenses: $1,010,980

THE YOUTHBUILD PROGRAM SEEKS TO LINE JOB TRAINING EDUCATION ENHANCEMENT AND AFFORDABLE HOUSING PRODUCTION BY WORKING WITH DROP-OUT YOUTHS FROM LOW INCOME FAMILIES BETWEEN THE AGES OF 16 AND 24. CDCB YOUTHBUILD PROVIDES A RANGE OF SUPPORT SERVICES, INCLUDING CHILD CARE, ALONG WITH A TRAINING STIPEND. A MAJOR FOCUS IS TO PROVIDE WORK OPPORTUNITIES IN THE PARTICIPANT'S OWN NEIGHBORHOOD.YOUTHBUILD ENROLLED 35 STUDENTS, 34 STUDENTS PASSED THE GED, 35 GAINED THEIR NCCER AND OSHA CERTIFICATE, AND 27 STUDENTS WENT TO WORK OR HIGHER EDUCATION. 26 GAINED NIMS CNC CERTIFICATION & 32 OBTAINED NCCER WELDING CERTIFICATIONS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $8,911,349

Program Service Revenue $6,779,707

Investment Income $1,894,511

Other Revenue $35,899

TOTAL REVENUE $17,621,466

Expense Breakdown

Grants Paid $1,538,909

Salaries & Benefits $5,163,648

Fundraising Expenses $0

Program Expenses $12,650,641

Other Expenses $7,872,406

TOTAL EXPENSES $14,574,963

Year-over-Year Comparison

	2024	2023	Change
Revenue	$17,621,466	$18,797,437	-0.1%
Expenses	$14,574,963	$16,266,194	-0.1%
Net Income	$3,046,503	$2,531,243	+0.2%

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

Governance

Voting Members

Independent Members

Employees

146

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

$344,015

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MAURICIO PINA	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
NATHAN BURKHART	CHAIRMAN	1.00	Officer Director	$0	$0	$0
MICHAEL GONZALEZ	SECRETARY	1.00	Officer Director	$0	$0	$0
EVA GARCIA	TREASURER	1.00	Officer Director	$0	$0	$0
OSCAR ZERTUCHE	DIRECTOR	1.00	Director	$0	$0	$0
JUAN LOYA	DIRECTOR	1.00	Director	$0	$0	$0
GERARDO MARTINEZ	DIRECTOR	1.00	Director	$0	$0	$0
JUDY TELGE	DIRECTOR	1.00	Director	$0	$0	$0
NICOLE BUCHERI	DIRECTOR	1.00	Director	$0	$0	$0
APRIL FLORES	DIRECTOR	1.00	Director	$0	$0	$0
HUNTER LOHSE	DIRECTOR	1.00	Director	$0	$0	$0
HALLEY STAPLETON	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES N MITCHELL BENNETT	CHIEF EXECUTIVE OFFICER	50.00	Officer	$195,884	$0	$195,884
EDNA OCEGUERA	DEPUTY DIRECTOR	50.00	Officer	$148,131	$0	$148,131

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	$17,621,466	$14,574,963	$97,936,432	$3,046,503
2024	$18,797,437	$16,266,194	$74,526,617	$2,531,243
2023	$21,289,156	$21,689,443	$66,208,796	$-400,287
2022	$22,560,520	$22,197,054	$62,698,216	$363,466
2021	$14,190,282	$11,501,252	$63,084,439	$2,689,030
2020	$8,363,914	$8,215,400	$46,296,286	$148,514
2019	$9,806,221	$10,606,708	$40,916,404	$-800,487
2018	$7,012,141	$6,980,739	$41,819,997	$31,402

COMMUNITY DEVELOPMENT CORPORATION OF BROWNSVILLE DBA COME DREAM COME BUILD