BDC COMMUNITY CAPITAL CORPORATION (EIN 901249297) - 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

2017

Legal Domicile

Principal Officer

KARIM HILL

Phone

7819281100

Tax Period

2025-01-01 to 2025-12-31

BDC COMMUNITY CAPITAL CORPORATION, founded in 2017, is a small nonprofit in the Community Improvement sector that reported $967K in total revenue in fiscal year 2025. Revenue decreased 16% compared to the prior year. The organization ran a surplus of $299K, a strong 31% operating margin.

Mission

PROMOTING COMMUNITY DEVELOPMENT BY PROVIDING ACCESS TO CREDIT, CAPITAL, AND FINANCIAL SERVICES TO MINORITY-OWNED BUSINESSES AND TO BUSINESSES THAT IMPACT LOW TO MODERATE INCOME EMPLOYMENT OPPORTUNITIES THROUGHOUT NEW ENGLAND.

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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 (2025)

Revenue Breakdown

Contributions & Grants $147,500

Program Service Revenue $807,435

Investment Income $12,208

Other Revenue $0

TOTAL REVENUE $967,143

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $584,271

Other Expenses $667,656

TOTAL EXPENSES $667,656

Year-over-Year Comparison

	2025	2024	Change
Revenue	$967,143	$1,151,771	-0.2%
Expenses	$667,656	$879,375	-0.2%
Net Income	$299,487	$272,396	+0.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSE GOMEZ	DIRECTOR (AS OF 1/15/25)	1.00	Director	$0	$0	$0
LYNN HARWELL	DIRECTOR	1.00	Director	$0	$0	$0
KEON HOLMES	DIRECTOR	1.00	Director	$0	$0	$0
NYIA NOEL	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH O'GARRO	DIRECTOR	1.00	Director	$0	$0	$0
STACY TOWNSEND	DIRECTOR	1.00	Director	$0	$0	$0
KARIM HILL	PRESIDENT	35.00	Officer Director	$0	$0	$0
PAUL F FLYNN JR	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
JOHN L HACKETT	CFO, TREASURER, & SECRETARY	5.00	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
2025	$967,143	$667,656	$12,131,901	$299,487
2024	$1,151,771	$879,375	$12,702,973	$272,396
2023	$968,960	$934,350	$7,810,171	$34,610
2022	$1,094,369	$716,561	$7,847,018	$377,808
2021	$1,401,067	$299,192	$1,391,750	$1,101,875
2020	$287,232	$242,021	$3,201,293	$45,211
2020	$287,232	$242,021	$3,201,293	$45,211

BDC COMMUNITY CAPITAL CORPORATION