COMMUNITY INVESTMENT CORPORATION

EIN: 860837146 501(c)(3) Community Improvement

TUCSON, AZ

Total Revenue
$2,069,939
Total Expenses
$3,095,091
Total Assets
$6,396,809
Net Assets
$3,274,094
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1996
Legal Domicile
AZ
Principal Officer
DANIEL KNEE
Phone
5205291766
Tax Period
2023-01-01 to 2023-12-31

COMMUNITY INVESTMENT CORPORATION, founded in 1996, is a community nonprofit in the Community Improvement sector that reported $2.1M in total revenue in fiscal year 2023. Revenue fell 93% from the prior year — a significant decline worth monitoring. Expenses of $3.1M exceeded revenue, resulting in a 50% operating deficit.

Mission

TO CREATE A BETTER LIFE FOR THE RESIDENTS OF OUR COMMUNITY THROUGH VARIOUS PROGRAMS TARGETING ECONOMIC DEVELOPMENT OPPORTUNITIES. TO SECURE STRATEGIC INVESTMENTS IN OUR COMMUNITIES THAT SERVE PUBLIC PURPOSE, ENHANCE EMPLOYMENT OPPORTUNITIES, AND LEVERAGE ITS CAPITAL WITH A REASONABLE RATE OF RETURN.

Program Service Accomplishments

Program 1
Expenses: $828,871

CIC PROVIDED LOANS AND FINANCIAL ASSISTANCE IN PIMA COUNTY AND THE INTERCONNECTED REGIONAL ECONOMY OF SOUTHERN ARIZONA TO BUSINESSES THAT WERE UNABLE TO OBTAIN SUCH THROUGH AND/OR THAT HAVE BEEN...

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CIC PROVIDED LOANS AND FINANCIAL ASSISTANCE IN PIMA COUNTY AND THE INTERCONNECTED REGIONAL ECONOMY OF SOUTHERN ARIZONA TO BUSINESSES THAT WERE UNABLE TO OBTAIN SUCH THROUGH AND/OR THAT HAVE BEEN HISTORICALLY UNDERSERVED BY TRADITIONAL CAPITAL ACCESS INSTITUTIONS. LOANS WERE MADE ON THE BASIS OF SERVING THE PUBLIC PURPOSE OF SUPPORTING LOCAL AND REGIONAL ECONOMIC DEVELOPMENT WHICH INCLUDES BUSINESS AND EMPLOYMENT CREATION/RETENTION.

Program 2
Expenses: $938,629

CIC'S HOME OWNERSHIP SUPPORT SERVICES EMPOWER FIRST-TIME HOMEBUYERS ACROSS ARIZONA, PARTICULARLY IN PIMA COUNTY, BY PROVIDING ESSENTIAL FINANCIAL ASSISTANCE. THROUGH OUR MORTGAGE CREDIT CERTIFICATE...

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CIC'S HOME OWNERSHIP SUPPORT SERVICES EMPOWER FIRST-TIME HOMEBUYERS ACROSS ARIZONA, PARTICULARLY IN PIMA COUNTY, BY PROVIDING ESSENTIAL FINANCIAL ASSISTANCE. THROUGH OUR MORTGAGE CREDIT CERTIFICATE (MCC) PROGRAM, INCOME- QUALIFIED BUYERS CAN REDUCE THEIR ANNUAL MORTGAGE INTEREST BY CLAIMING UP TO 2,000 AS A FEDERAL TAX CREDIT. THIS BENEFIT IS RENEWABLE EACH YEAR, ADDING UP TO POTENTIAL SAVINGS OF OVER 50,000 ACROSS THE LIFE OF THE MORTGAGE. THE MCC PROGRAM IS FUNDED BY THE PIMA COUNTY INDUSTRIAL DEVELOPMENT AUTHORITY. IN ADDITION TO THE MCC PROGRAM, WE ADMINISTER DOWN PAYMENT ASSISTANCE IN COLLABORATION WITH THE INDUSTRIAL DEVELOPMENT AUTHORITES (IDAS) OF PIMA COUNTY AND THE CITY OF TUCSON. THIS PROGRAM PROVIDES BETWEEN 2% AND 5% OF THE PURCHASE PRICE TO ELIGIBLE HOMEBUYERS, REDUCING THE FINANCIAL BURDEN OF UPFRONT COSTS AND MAKING THE PATH TO HOMEOWNERSHIP MORE ACCESIBLE.

Program 3
Expenses: $652,908

CIC'S BOND COMPLIANCE PROGRAM SERVED 61 DIFFERENT PUBLIC SCHOOLS OR SCHOOL NETWORKS THROUGH 75 SEPARATE BOND AGREEMENTS GENERATING NEARLY 210,000 IN REVENUES. BOND COMPLIANCE SERVICES CONSIST OF...

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CIC'S BOND COMPLIANCE PROGRAM SERVED 61 DIFFERENT PUBLIC SCHOOLS OR SCHOOL NETWORKS THROUGH 75 SEPARATE BOND AGREEMENTS GENERATING NEARLY 210,000 IN REVENUES. BOND COMPLIANCE SERVICES CONSIST OF SUPPORTING BOND RECIPIENTS (SCHOOLS) WITH THEIR CONTRACTUAL OBLIGATIONS TO PROVIDE CONTINUING DISCLOSURE INFORMATION TO THE ELECTRONIC MUNICIPAL MARKET ACCESS (EMMA) WEBSITE. THESE DISCLOSURES SERVE AN ESSENTIAL ROLE FOR A PROPERLY AND EFFICIENTLY FUNCTIONING BOND MARKET BY ENHANCING TRANSPARENCY FOR INVESTORS AND IN THE BOND MARKET AT LARGE, AS WELL AS HELPING PRESERVE/ENHANCE SCHOOLS' BOND RATINGS.

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $1,131,098
Program Service Revenue $732,427
Investment Income $205,138
Other Revenue $1,276
TOTAL REVENUE $2,069,939

Expense Breakdown

Grants Paid $460,537
Salaries & Benefits $1,808,538
Fundraising Expenses $0
Program Expenses $2,420,408
Other Expenses $826,016
TOTAL EXPENSES $3,095,091

Year-over-Year Comparison

2023 2022 Change
Revenue $2,069,939 $29,133,218 -0.9%
Expenses $3,095,091 $30,957,943 -0.9%
Net Income $-1,025,152 $-1,824,725 -0.4%
Key Indicators
Grants to Organizations Grants to Individuals Lobbying Political Activity Foreign Activities Donor Advised Fund Schedule B Required
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Governance

Voting Members
3
Independent Members
3
Employees
23
Volunteers
3

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
6
$335,272
Total Directors
4
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
DANIEL KNEE EXECUTIVE DI 40.00
Officer
$141,399 $0 $141,399
CAROLINE NELSON CHIEF OPERAT 40.00
Officer
$102,781 $0 $102,781
NICHOLAS HENRY CHIEF STRATE 40.00
Officer
$91,092 $0 $91,092
JOHN H PAYNE PRESIDENT 10.00
Officer Director
$0 $0 $0
STEVEN RUSSO CORPORATE CO 10.00
Director
$0 $0 $0
KENNETH M SILVERMAN TREASURER 10.00
Officer Director
$0 $0 $0
JEFF SINGLETON SECRETARY 10.00
Officer 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
2024 No data No data No data No data
2023 $2,069,939 $3,095,091 $6,396,809 $-1,025,152
2022 $29,133,218 $30,957,943 $7,216,465 $-1,824,725
2021 $40,472,550 $38,924,622 $12,041,358 $1,547,928
2020 $4,734,096 $4,743,213 $9,939,244 $-9,117
2019 $829,326 $1,269,918 $8,191,423 $-440,592
2018 $1,894,067 $1,084,620 $9,125,588 $809,447
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