CALIFORNIA CAPITAL SMALL BUSINESS FINANCIAL DEVELOPMENT CORPORATION (EIN 942861631) - 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

1982

Legal Domicile

Principal Officer

DEBORAH MURAMOTO

Phone

9164421792

Tax Period

2024-07-01 to 2025-06-30

CALIFORNIA CAPITAL SMALL BUSINESS FINANCIAL DEVELOPMENT CORPORATION, founded in 1982, is a community nonprofit in the Community Improvement sector that reported $4.4M in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $4.0M left a modest 8% surplus.

Mission

TO EQUITABLY PROVIDE CAPITAL AND DEVELOPMENT ASSISTANCE TO INCREASE ECONOMIC OPPORTUNITIES BY OFFERING A WIDE RANGE OF FLEXIBLE FINANCIAL PRODUCTS AND TECHNICAL SERVICES THROUGH COLLABORATION.

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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 $3,615,396

Program Service Revenue $733,014

Investment Income $2,118

Other Revenue $0

TOTAL REVENUE $4,350,528

Expense Breakdown

Grants Paid $94,276

Salaries & Benefits $2,855,751

Fundraising Expenses $0

Program Expenses $3,295,071

Other Expenses $1,044,888

TOTAL EXPENSES $3,994,915

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,350,528	$3,652,060	+0.2%
Expenses	$3,994,915	$3,894,051	+0.0%
Net Income	$355,613	$-241,991	-2.5%

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

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

$413,811

Total Directors

$211,905

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHELLEY SEALES	CHAIR	1.00	Officer Director	$0	$0	$0
DENISE BROWNE	VICE CHAIR	1.00	Officer Director	$0	$0	$0
TRUMAN RISHARD	TREASURER	1.00	Officer Director	$0	$0	$0
DEBORAH MURAMOTO	PRESIDENT/CEO/SECRETARY	40.00	Officer Director	$211,905	$0	$211,905
DRUE BROWN	DIRECTOR	1.00	Director	$0	$0	$0
DANIEL SAVALA	DIRECTOR	1.00	Director	$0	$0	$0
RAYMOND SEBASTIAN	DIRECTOR	1.00	Director	$0	$0	$0
MAY MASUNAGA	CHIEF FINANCIAL OFFICER	40.00	Officer	$133,815	$68,091	$201,906
MICHAEL SCHREMMER	CHIEF OPERATIONS OFFICER	40.00	Highest	$114,008	$19,919	$133,927
IVOR NEWMAN	APEX PROGRAM DIRECTOR	40.00	Highest	$104,344	$5,217	$109,561
BOB GONZALES	CHIEF CREDIT OFFICER	29.00	Highest	$129,932	$30,640	$160,572
SIEW YEE LEE	SBDC PROGRAM DIRECTOR	40.00	Highest	$100,472	$22,202	$122,674
SUNITA MAHARAJ	LOAN PORTFOLIO MANAGER	40.00	Highest	$102,195	$23,545	$125,740

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	$4,350,528	$3,994,915	$4,794,069	$355,613
2024	No data	No data	No data	No data
2023	$4,136,742	$3,848,552	$4,782,406	$288,190
2022	$3,624,110	$3,503,917	$3,926,926	$120,193
2021	$4,828,871	$3,005,436	$3,879,539	$1,823,435
2020	$2,226,025	$2,209,163	$1,961,231	$16,862
2019	$2,237,889	$1,914,549	$1,522,137	$323,340

CALIFORNIA CAPITAL SMALL BUSINESS FINANCIAL DEVELOPMENT CORPORATION