MERCY 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

2000

Legal Domicile

Principal Officer

STEFANIE JOY

Phone

3038303300

Tax Period

2024-01-01 to 2024-12-31

MERCY COMMUNITY CAPITAL, founded in 2000, is a mid-sized nonprofit in the Housing & Shelter sector that reported $16.5M in total revenue in fiscal year 2024. Revenue surged 69% from the prior year, signaling strong growth momentum. The organization ran a surplus of $10.8M, a strong 65% operating margin.

Mission

THE MISSION OF MERCY COMMUNITY CAPITAL IS TO PROVIDE BELOW-MARKET LOANS IN ORDER TO SUPPORT AFFORDABLE HOUSING DEVELOPMENTS WHEN CONVENTIONAL FINANCING IS NOT POSSIBLE OR AFFORDABLE. DEVELOPERS AND NONPROFIT ORGANIZATIONS SEEKING LOANS FROM MERCY COMMUNITY CAPITAL MUST DEMONSTRATE THAT THE PROPERTY WILL SERVE A RESIDENT BASIS WHERE THE FAMILY'S AVERAGE MEDIUM INCOME CANNOT EXCEED 80% OF THE AREA MEDIUM INCOME. MERCY COMMUNITY CAPITAL HAS HELPED FINANCE THE DEVELOPMENT OF SINGLE- AND MULTI-FAMILY HOMES FOR RENTAL AND HOMEOWNERSHIP. THESE DEVELOPMENTS SERVE A VARIETY OF PEOPLE, INCLUDING LOW-INCOME FAMILIES AND INDIVIDUALS, THE WORKING POOR, SENIORS, FARM WORKERS, FORMERLY HOMELESS INDIVIDUALS AND PEOPLE WITH SPECIAL NEEDS. MERCY COMMUNITY CAPITAL IS CERTIFIED BY THE U.S. TREASURY DEPARTMENT AS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION.

Program Service Accomplishments

Program 1

Expenses: $4,321,366 Revenue: $7,644,540

LENDING ACTIVITIES INCLUDE UNDERWRITING, CREDIT REVIEW, CASH AND INVESTMENT MANAGEMENT AND LOAN SERVICING FOR A DIVERSE PORTFOLIO OF LOANS COVERING PROPERTIES LOCATED IN 45 STATES AND PUERTO RICO.

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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 $8,510,700

Program Service Revenue $7,623,425

Investment Income $372,591

Other Revenue $21,115

TOTAL REVENUE $16,527,831

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,692,510

Fundraising Expenses $0

Program Expenses $4,321,366

Other Expenses $4,084,491

TOTAL EXPENSES $5,777,001

Year-over-Year Comparison

	2024	2023	Change
Revenue	$16,527,831	$9,783,164	+0.7%
Expenses	$5,777,001	$3,996,767	+0.4%
Net Income	$10,750,830	$5,786,397	+0.9%

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

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

$1,567,796

Total Directors

$236,361

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAYA JOHNSON	DIRECTOR	0.10	Director	$0	$31,667	$236,361
CATALINA VIELMA	DIRECTOR	0.10	Director	$0	$0	$0
JAIME GOMEZ	DIRECTOR	0.10	Director	$0	$0	$0
JOHN POWELL	DIRECTOR	0.10	Director	$0	$0	$0
NONI RAMOS	CHAIR	0.10	Officer Director	$0	$0	$0
SISTER MARILN LLANES	DIRECTOR	0.10	Director	$0	$0	$0
TIM MARTIN	VICE CHAIR	0.10	Officer Director	$0	$0	$0
TOM BYERS	DIRECTOR	0.10	Director	$0	$0	$0
DEBRA WALSH	VICE PRESIDENT	0.10	Officer	$0	$25,910	$386,598
JOE ROSENBLUM	ASSISTANT SECRETARY	0.10	Officer	$0	$10,382	$242,964
STEFANIE JOY	PRESIDENT	0.10	Officer	$0	$42,563	$249,319
BRIAN SAMPLE	VICE PRESIDENT	0.10	Officer	$0	$20,988	$202,498
ROBERT HAMMOCK	VICE PRESIDENT	0.10	Officer	$0	$30,353	$195,179
THERESA GALLEGOS	TREASURER AND FINANCE DIRECTOR	0.10	Officer	$0	$19,812	$156,977
LAURIE GLASGOW-GILL	SECRETARY	0.10	Officer	$0	$18,922	$134,261

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	$16,527,831	$5,777,001	$138,724,673	$10,750,830
2023	$9,783,164	$3,996,767	$124,987,324	$5,786,397
2022	$5,958,832	$3,580,630	$105,266,874	$2,378,202
2021	$12,625,951	$3,930,804	$102,660,255	$8,695,147
2020	$5,857,968	$3,768,678	$88,139,724	$2,089,290
2019	$10,295,624	$3,110,569	$85,449,619	$7,185,055
2018	$5,492,598	$3,101,890	$76,751,594	$2,390,708