Valley Small Business Development Corporation (EIN 942461685) - 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

1977

Legal Domicile

Principal Officer

Debbie Raven

Phone

5594389680

Tax Period

2022-07-01 to 2023-06-30

Valley Small Business Development Corporation, founded in 1977, is a community nonprofit in the Community Improvement sector that reported $3.1M in total revenue in fiscal year 2022. Revenue surged 36% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.5M, a strong 48% operating margin.

Mission

Providing capital, management assistance and other financial resources, including loan services, personnel, and business education to small business entrepreneurs in economically disadvantaged areas, and thereby stimulating economic development.

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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 (2022)

Revenue Breakdown

Contributions & Grants $1,933,625

Program Service Revenue $1,163,411

Investment Income $0

Other Revenue $0

TOTAL REVENUE $3,097,036

Expense Breakdown

Grants Paid $0

Salaries & Benefits $684,453

Fundraising Expenses $3,437

Program Expenses $1,076,740

Other Expenses $924,482

TOTAL EXPENSES $1,608,935

Year-over-Year Comparison

	2022	2021	Change
Revenue	$3,097,036	$2,277,955	+0.4%
Expenses	$1,608,935	$1,558,868	+0.0%
Net Income	$1,488,101	$719,087	+1.1%

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

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

$174,676

Total Directors

$174,676

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Debbie Raven	CEO	40.00	Officer Director	$145,400	$29,276	$174,676
Oscar Espinoza	Treasurer	2.00	Director	$0	$0	$0
Robert Poythress	Director	2.00	Director	$0	$0	$0
Antonio Avalos	Vice Chair	2.00	Officer Director	$0	$0	$0
Ali Nekumanesh	Director	2.00	Director	$0	$0	$0
Julia Picher	Director	2.00	Officer Director	$0	$0	$0
Ken Herron	Director	2.00	Director	$0	$0	$0
Kee Xiong	Chairperson	2.00	Officer Director	$0	$0	$0
Susan Woesner	Director	2.00	Director	$0	$0	$0
Dorothy Thomas	Secretary	2.00	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
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$3,097,036	$1,608,935	$19,113,461	$1,488,101
2022	$2,277,955	$1,558,868	$20,013,604	$719,087
2021	$2,458,258	$1,648,759	$19,405,908	$809,499
2020	$2,675,434	$1,849,937	$18,400,869	$825,497
2019	$2,561,608	$2,089,975	$18,387,758	$471,633
2018	$1,868,862	$1,724,936	$18,603,415	$143,926

Valley Small Business Development Corporation