ROCHDALE CAPITAL CORPORATION

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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

2021

Legal Domicile

Principal Officer

JOHN HOLDSCLAW IV

Phone

2025715148

Tax Period

2023-01-01 to 2023-12-31

ROCHDALE CAPITAL CORPORATION, founded in 2021, is a community nonprofit in the Human Services sector that reported $1.9M in total revenue in fiscal year 2023. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $744K, a strong 40% operating margin.

Mission

ROCHDALE CAPITAL IS A COMMUNITY DEVELOPMENT LOAN FUND WHOSE MISSION IS TO PROMOTE COOPERATIVE AND COMMUNITY OWNERSHIP; ADVANCE EQUITY, DIVERSITY AND INCLUSION; AND PROVIDE CAPITAL ACCESS TO BIPOC UNDER RESOURCED COMMUNITIES. WE BELIEVE THAT OWNERSHIP IS THE FOUNDATION TO VIBRANT COMMUNITIES.

Program Service Accomplishments

Program 1

Expenses: $809,564

AS A NONPROFIT LOAN FUND, WE PROVIDE EQUITABLE ACCESS TO CAPITAL TO FUND COOPERATIVE ENTERPRISES, COMMUNITY FACILITIES, RENEWABLE ENERGY, COMMERCIAL SPACES, SMALL BUSINESSES AND AFFORDABLE HOUSING...

AS A NONPROFIT LOAN FUND, WE PROVIDE EQUITABLE ACCESS TO CAPITAL TO FUND COOPERATIVE ENTERPRISES, COMMUNITY FACILITIES, RENEWABLE ENERGY, COMMERCIAL SPACES, SMALL BUSINESSES AND AFFORDABLE HOUSING. THIS PROVIDES OWNERSHIP OPPORTUNITIES FOR ENTREPRENEURS, COOPERATIVES, COMMUNITY-BASED ORGANIZATIONS AND POTENTIAL HOMEOWNERS. OUR TARGET MARKET INCLUDES COMMUNITIES THAT ARE UNBANKED, UNDERBANKED AND UNDER RESOURCED; THOSE WHO HAVE BEEN TRADITIONALLY LEFT OUT OF INVESTMENT OPPORTUNITIES.

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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 $1,676,993

Program Service Revenue $0

Investment Income $183,138

Other Revenue $11,099

TOTAL REVENUE $1,871,230

Expense Breakdown

Grants Paid $0

Salaries & Benefits $548,665

Fundraising Expenses $39,900

Program Expenses $809,564

Other Expenses $578,945

TOTAL EXPENSES $1,127,610

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,871,230	$1,537,775	+0.2%
Expenses	$1,127,610	$789,306	+0.4%
Net Income	$743,620	$748,469	0.0%

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

$344,404

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREA LEVERE	BOARD CHAIR	1.50	Officer Director	$0	$0	$0
SHANNAN HERBERT	BOARD VICE CHAIR	1.20	Officer Director	$0	$0	$0
VALERIA ROACH	BOARD TREASURER	1.20	Officer Director	$0	$0	$0
CHELSEA CRUZ	DIRECTOR	1.00	Director	$0	$0	$0
PAUL HAZEN	DIRECTOR	1.00	Director	$0	$0	$0
DION SMITH	DIRECTOR	1.00	Director	$0	$0	$0
STACY PATRICK	DIRECTOR	1.00	Director	$0	$0	$0
JOHN HOLDSCLAW IV	PRESIDENT & CEO	40.00	Officer	$178,957	$0	$178,957
KLADE HARE	CHIEF LENDING OFFICER	40.00	Officer	$165,447	$0	$165,447
CHANTAL HART	MANAGER- OPERATIONS & COMP	40.00	Officer	$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	$1,871,230	$1,127,610	$6,857,235	$743,620
2022	$1,537,775	$789,306	$5,820,631	$748,469
2021	$5,000,055	No data	$5,000,055	No data