TMC COMMUNITY CAPITAL

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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

2018

Legal Domicile

Principal Officer

DANIEL FERNANDEZ

Phone

4156555419

Tax Period

2023-10-01 to 2024-09-30

TMC COMMUNITY CAPITAL, founded in 2018, is a community nonprofit in the Community Improvement sector that reported $2.9M in total revenue in fiscal year 2023. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $2.6M left a modest 11% surplus.

Mission

TMC COMMUNITY CAPITAL'S PURPOSE IS TO ASSIST UNDERSERVED ENTREPRENEURS IN THE STATE OF CALIFORNIA BY PROVIDING THEM WITH ACCESS TO CAPITAL, TECHNICAL ASSISTANCE AND RESOURCES TO SUCCESSFULLY START AND GROW A BUSINESS. TMC COMMUNITY CAPITAL SUPPORTS MICROENTERPRISE GROWTH AS A STRATEGY TO STRENGTHEN THE LOCAL ECONOMY, CREATE JOBS, AND BUILD STRONG COMMUNITIES. THE ORGANIZATION PROVIDES THE FOLLOWING SERVICES: MICROLOANS/SMALL BUSINESS LOANS OF $5,000 TO $50,000 THROUGHOUT THE STATE OF CALIFORNIA. TECHNICAL ASSISTANCE (BUSINESS COACHING, ADVISING, EDUCATION AND MENTORING). REFERRALS FOR FREE AND LOW-COST BUSINESS RESOURCES. EDUCATIONAL PRESENTATIONS ON ACCESS TO CAPITAL.

Program Service Accomplishments

Program 1

Expenses: $2,111,683 Revenue: $497,915

MICROLOAN PROGRAM FOCUSES ON SERVING BUSINESSES THAT ARE TYPICALLY DISENFRANCHISED FROM TRADITIONAL LENDING, SUCH AS WOMEN BUSINESS OWNERS, MINORITY BUSINESS OWNERS AND BUSINESSES IN LOW-INCOME...

MICROLOAN PROGRAM FOCUSES ON SERVING BUSINESSES THAT ARE TYPICALLY DISENFRANCHISED FROM TRADITIONAL LENDING, SUCH AS WOMEN BUSINESS OWNERS, MINORITY BUSINESS OWNERS AND BUSINESSES IN LOW-INCOME COMMUNITIES. THE ORGANIZATION PROVIDES OUTREACH TO CONNECT WITH POTENTIAL BORROWERS AND PROVIDES AN INTAKE ASSESSMENT THAT INCLUDES RESOURCE NAVIGATION AND A REFERRAL TO OTHER ORGANIZATIONS IF ADDITIONAL RESOURCES ARE NECESSARY.

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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 $2,357,499

Program Service Revenue $497,915

Investment Income $0

Other Revenue $0

TOTAL REVENUE $2,855,414

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,502,358

Fundraising Expenses $0

Program Expenses $2,111,683

Other Expenses $1,049,046

TOTAL EXPENSES $2,551,404

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,855,414	$2,351,825	+0.2%
Expenses	$2,551,404	$1,933,917	+0.3%
Net Income	$304,010	$417,908	-0.3%

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

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

$214,065

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BARABARA MORRISON	DIRECTOR	1.00	Director	$0	$0	$0
KELLY LAROCCA	DIRECTOR	1.00	Director	$0	$0	$0
JING CAO	SECRETARY	1.00	Officer Director	$0	$0	$0
MARK HERBERT	CHAIR	1.00	Officer Director	$0	$0	$0
JOYCE SLOSS	DIRECTOR	1.00	Director	$0	$0	$0
DARCY MACKAY	DIRECTOR	1.00	Director	$0	$0	$0
PAULA BAHAMON	DIRECTOR	1.00	Director	$0	$0	$0
MONA AHMADI	DIRECTOR	1.00	Director	$0	$0	$0
NORMA DUNN	DIRECTOR	1.00	Director	$0	$0	$0
JERMAINE MCMIHELK	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL VANECEK	CFO	1.00	Officer	$0	$0	$0
DANIEL FERNANDEZ	PRESIDENT & CEO	40.00	Officer	$182,083	$31,982	$214,065
MAYRA CONTRERAS LOPEZ	DIRECTOR OF PARTNERSHIPS	40.00	Highest	$113,403	$9,031	$122,434
VASANA LY	PROGRAM DIRECTOR	40.00	Highest	$170,656	$29,619	$200,275

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	$2,855,414	$2,551,404	$5,947,225	$304,010
2023	$2,351,825	$1,933,917	$5,301,238	$417,908
2022	$1,206,091	$1,101,419	$2,921,286	$104,672
2021	$1,405,015	$1,129,124	$1,020,853	$275,891
2020	$1,057,232	$1,028,026	$417,546	$29,206