First Community Capital Inc (EIN 843804891) - 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

2019

Legal Domicile

Principal Officer

Tchaidor Jay Diallo

Phone

9512966181

Tax Period

2023-07-01 to 2024-06-30

First Community Capital Inc, founded in 2019, is a small nonprofit in the Employment sector that reported $486K in total revenue in fiscal year 2023. The organization ran a surplus of $87K, a strong 18% operating margin.

Mission

Our mission is to foster economic justice and opportunity by providing access to capital and technical assistance to economically disadvantage micro and rural businesses. Our emphasis is on those businesses owned by people of color including women, veterans, refugees, immigrants, and individuals impacted by the justice system.

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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 $419,575

Program Service Revenue $65,227

Investment Income $1,208

Other Revenue $0

TOTAL REVENUE $486,010

Expense Breakdown

Grants Paid $3,735

Salaries & Benefits $219,791

Fundraising Expenses $0

Program Expenses $353,218

Other Expenses $175,259

TOTAL EXPENSES $398,785

Year-over-Year Comparison

	2023	2022	Change
Revenue	$486,010	$509,354	0.0%
Expenses	$398,785	$249,566	+0.6%
Net Income	$87,225	$259,788	-0.7%

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

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

$114,400

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Tchaidor Jay Diallo	President & CEO	40.00	Officer	$114,400	$0	$114,400
Vincent McCoy	Treasurer	2.00	Officer Director	$0	$0	$0
Mark Davis	Chairman	2.00	Officer Director	$0	$0	$0
Edward Johnson	Secretary	2.00	Officer Director	$0	$0	$0
Fatimoh Muhammed	Director	2.00	Director	$0	$0	$0
Kelly Rivas	Director	2.00	Director	$0	$0	$0
Ray Masterson	Director	2.00	Director	$0	$0	$0
Karan Suarez	Director	2.00	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	$486,010	$398,785	$1,316,731	$87,225
2023	$509,354	$249,566	$759,538	$259,788
2022	$434,871	$232,237	$435,550	$202,634

First Community Capital Inc