BUSINESS AND COMMUNITY LENDERS OF … - 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

RAQUEL VALDEZ SANCHEZ

Phone

5129129884

Tax Period

2024-07-01 to 2025-06-30

BUSINESS AND COMMUNITY LENDERS OF TEXAS, founded in 1990, is a community nonprofit in the Community Improvement sector that reported $2.7M in total revenue in fiscal year 2024. Revenue decreased 13% compared to the prior year. Expenses of $4.5M exceeded revenue, resulting in a 69% operating deficit.

Mission

TO FURTHER THE ECONOMIC DEVELOPMENT OF TEXAS BY PROMOTING AND ASSISTING IN THE GROWTH AND DEVELOPMENT OF SMALL BUSINESS CONCERNS AND TO ASSIST IN THE DEVELOPMENT OF AFFORDABLE HOUSING FOR LOW AND MODERATE INCOME FAMILIES.

Program Service Accomplishments

Program 1

Expenses: $2,616,810 Revenue: $9

BUSINESS LENDING - THE ORGANIZATION PROCESSES AND SERVICES SBA LOANS FOR SMALL BUSINESSES THAT DO NOT QUALIFY FOR CONVENTIONAL FINANCING. LOANS ARE MADE TO SMALL BUSINESSES FROM GRANT FUNDS AND...

BUSINESS LENDING - THE ORGANIZATION PROCESSES AND SERVICES SBA LOANS FOR SMALL BUSINESSES THAT DO NOT QUALIFY FOR CONVENTIONAL FINANCING. LOANS ARE MADE TO SMALL BUSINESSES FROM GRANT FUNDS AND CONTRIBUTIONS FROM VARIOUS BUSINESSES AND LOCAL GOVERNMENTS AS WELL AS INTEREST EARNINGS AND PRINCIPAL RETURNED TO THE LOAN FUND POOL. DURING FISCAL YEAR 2025, THE ORGANIZATION DISBURSED OVER $2 MILLION IN LOANS.

Program 2

Expenses: $484,685 Revenue: $745,368

COMMUNITY DEVELOPMENT - THE ORGANIZATION COUNSELED OVER 1,000 FAMILIES ON HOME FORECLOSURE AND MITIGATION, AND OVER 800 BUSINESSES WITH MANAGEMENT COUNSELING, BUSINESS MARKETING, GROWTH STRATEGIES...

COMMUNITY DEVELOPMENT - THE ORGANIZATION COUNSELED OVER 1,000 FAMILIES ON HOME FORECLOSURE AND MITIGATION, AND OVER 800 BUSINESSES WITH MANAGEMENT COUNSELING, BUSINESS MARKETING, GROWTH STRATEGIES, AND GENERAL BUSINESS START UP AND DEVELOPMENT.

Program 3

Expenses: $390,079 Revenue: $157,244

HOUSING AND HOME OWNERSHIP - THE ORGANIZATION HELPS FAMILIES SECURE A HOME OF THEIR OWN AND BUILD THEIR ASSETS. THE ORGANIZATIONS SPECIALISTS WORK TO BUILD A CUSTOMIZED PLAN WITH CLIENTS TO HELP THEM...

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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 $755,075

Program Service Revenue $1,703,016

Investment Income $228,479

Other Revenue $0

TOTAL REVENUE $2,686,570

Expense Breakdown

Grants Paid $653,419

Salaries & Benefits $1,278,170

Fundraising Expenses $0

Program Expenses $3,876,165

Other Expenses $2,597,242

TOTAL EXPENSES $4,528,831

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,686,570	$3,088,394	-0.1%
Expenses	$4,528,831	$3,968,657	+0.1%
Net Income	$-1,842,261	$-880,263	+1.1%

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

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

$265,900

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM SUTHERLAND	CHAIR	3.00	Director	$0	$0	$0
STACY BOWERS	VICE CHAIR	1.00	Director	$0	$0	$0
JUDY CANALES	TREASURER	1.00	Director	$0	$0	$0
ANDRES GARZA JR	SECRETARY	1.00	Director	$0	$0	$0
MELISSA ROBINSON	DIRECTOR	1.00	Director	$0	$0	$0
DAVID BRENNAN	DIRECTOR	1.00	Director	$0	$0	$0
TANNER MOORE	DIRECTOR	1.00	Director	$0	$0	$0
DAVID SALINAS	DIRECTOR	1.00	Director	$0	$0	$0
BRANDON JONES	DIRECTOR	1.00	Director	$0	$0	$0
RAQUEL VALDEZ SANCHEZ	CHIEF EXECUTIVE OFFICER	40.00	Officer	$178,333	$10,579	$188,912
ROSA RIOS VALDEZ	FORMER CEO	40.00	Officer	$73,167	$3,821	$76,988

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	$2,686,570	$4,528,831	$24,120,283	$-1,842,261
2024	$3,088,394	$3,968,657	$26,883,300	$-880,263
2023	$3,744,979	$4,096,470	$28,558,255	$-351,491
2022	$6,954,395	$3,764,092	$31,238,408	$3,190,303
2021	$4,080,568	$3,558,634	$29,670,542	$521,934
2020	$7,633,917	$4,476,555	$22,684,732	$3,157,362
2019	$3,349,352	$4,589,642	$19,027,522	$-1,240,290
2018	$5,334,926	$4,459,533	$17,546,679	$875,393

BUSINESS AND COMMUNITY LENDERS OF TEXAS