NOR-CAL FDC (EIN 942398760) - 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

1978

Legal Domicile

Principal Officer

SANFORD LIVINGSTON

Phone

5104521171

Tax Period

2024-07-01 to 2025-06-30

NOR-CAL FDC, founded in 1978, is a community nonprofit that reported $2.4M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion.

Mission

NOR-CAL HELPED SMALL BUSINESSES GAIN ACCESS TO CAPITAL BY PROVIDING GUARANTEES TO LENDERS THROUGHOUT THE NINE COUNTIES OF THE SAN FRANCISCO BAY AREA AND AROUND THE STATE OF CALIFORNIA.

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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 $227,063

Program Service Revenue $2,135,917

Investment Income $18

Other Revenue $0

TOTAL REVENUE $2,362,998

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,021,813

Fundraising Expenses $0

Program Expenses $1,760,393

Other Expenses $1,393,563

TOTAL EXPENSES $2,415,376

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,362,998	$2,044,125	+0.2%
Expenses	$2,415,376	$2,444,814	0.0%
Net Income	$-52,378	$-400,689	-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

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

Total Directors

$864,205

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ABEN HILL	CHAIRMAN	2.00	Director	$0	$0	$0
SANFORD LIVINGSTON	PRESIDENT/CEO	40.00	Director	$451,909	$0	$451,909
CARLOS SERAFINI	BOARD MEMEBER	2.00	Director	$0	$0	$0
WILLIAM BILL JOINER	VICE CHAIRMAN	2.00	Director	$0	$0	$0
BYRON PHILLIPS	EXECUTIVE VICE PRESIDENT	40.00	Director	$412,296	$0	$412,296
ERICA O'LEARY	SECRETARY	2.00	Director	$0	$0	$0
LAURIE GIBBS-HARRIS	BOARD MEMBER	2.00	Director	$0	$0	$0
FRANK	TUCKER	2.00	Director	$0	$0	$0
JOHN DZIDA	BOARD MEMBER	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	$2,362,998	$2,415,376	$1,832,041	$-52,378
2024	$2,044,125	$2,444,814	$593,203	$-400,689
2023	$2,171,288	$2,224,820	$1,107,075	$-53,532
2022	$2,499,517	$1,751,971	$1,198,023	$747,546
2021	$1,507,517	$1,445,615	$662,140	$61,902
2020	$1,773,597	$1,836,681	$548,161	$-63,084
2019	$1,854,467	$1,780,773	$1,079,101	$73,694
2018	$1,175,657	$1,134,102	$1,022,533	$41,555

NOR-CAL FDC