California Association for Microenterprise Opportunity

EIN: 943246306 501(c)(3) Community Improvement

San Francisco, CA

Total Revenue
$2,632,253
Total Expenses
$2,579,583
Total Assets
$9,106,606
Net Assets
$3,819,178
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1993
Legal Domicile
CA
Principal Officer
Carolina Martinez
Phone
5107360797
Tax Period
2023-01-01 to 2023-12-31

California Association for Microenterprise Opportunity, founded in 1993, is a community nonprofit in the Community Improvement sector that reported $2.6M in total revenue in fiscal year 2023. Revenue fell 31% from the prior year — a significant decline worth monitoring.

Mission

To grow a thriving ecosystem of support for underserved entrepreneurs where all entrepreneurs have access to the resources they need to suceed, creating family economic mobility and community prosperity.

Program Service Accomplishments

Program 1
Expenses: $2,016,997 Revenue: $172,104

CALIFORNIA ASSOCIATION FOR MICROENTERPRISE OPPORTUNITY (CAMEO) is a statewide association of organizations, agencies, and individuals dedicated to furthering micro enterprise development in...

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CALIFORNIA ASSOCIATION FOR MICROENTERPRISE OPPORTUNITY (CAMEO) is a statewide association of organizations, agencies, and individuals dedicated to furthering micro enterprise development in California. CAMEO was formed in California in 1993 as a public benefit corporation. CAMEOs mission is to increase opportunities for low-income people and communities by building capacity for Californias micro enterprise organizations. CAMEO builds capacity of practitioner organizations to better meet customer needs and improve the working environment for micro enterprise by educating the public and advocating on behalf of micro enterprise development.CAMEO expands resources and builds capacity for its member organizations who are providing entrepreneurs with small business training, business financing and technical assistance - coaching, capital assistance and networking. CAMEO advocates for public policies that support the business sector and builds public awareness of its economic impacts through the following program categories: Micro-lending enables members who are providing microloans to various businesses access to CAMEO's underwriting platform. Capacity Building members benefit from CAMEOs trainings in micro-lending, best practices, advocacy and workforce development, which specifically target underserved populations including veterans, immigrants and the long term unemployed. Rural Initiative CAMEO works in rural areas serving members throughout the state to bring resources to underserved regions.

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $2,280,269
Program Service Revenue $172,104
Investment Income $152,603
Other Revenue $27,277
TOTAL REVENUE $2,632,253

Expense Breakdown

Grants Paid $653,500
Salaries & Benefits $993,439
Fundraising Expenses $248,786
Program Expenses $2,016,997
Other Expenses $932,644
TOTAL EXPENSES $2,579,583

Year-over-Year Comparison

2023 2022 Change
Revenue $2,632,253 $3,836,904 -0.3%
Expenses $2,579,583 $1,735,688 +0.5%
Net Income $52,670 $2,101,216 -1.0%
Key Indicators
✓ Grants to Organizations ✗ Grants to Individuals ✓ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required
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Liquidity & Cash Position

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Governance

Voting Members
16
Independent Members
15
Employees
10
Volunteers
70

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
5
$238,579
Total Directors
16
$238,579
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Carolina Martinez CEO 35.00
Officer Director
$220,000 $18,579 $238,579
Heidi Pickman VP Programs 35.00
$143,850 $20,335 $164,185
Emily Gasner VP Strategic Init. 30.00
$123,300 $5,051 $128,351
Horacio Mendez President 2.00
Officer Director
$0 $0 $0
Jesse Torres Vice President 1.00
Officer Director
$0 $0 $0
Mark Herbert Secretary 2.00
Officer Director
$0 $0 $0
Randi Zeller Treasurer 1.00
Officer Director
$0 $0 $0
Carmen Herrera-Mansir At Large 1.00
Director
$0 $0 $0
Kristin Johnson At Large 1.00
Director
$0 $0 $0
Joshua Danielson At Large 1.00
Director
$0 $0 $0
Juan Aquino At Large 1.00
Director
$0 $0 $0
Naima McQueen At Large 1.00
Director
$0 $0 $0
Julian Canete At Large 1.00
Director
$0 $0 $0
Kristin Johnson At Large 1.00
Director
$0 $0 $0
Louis Caditz-Peck At Large 1.00
Director
$0 $0 $0
Vikita Poindexter At Large 1.00
Director
$0 $0 $0
Nancy Swift At Large 1.00
Director
$0 $0 $0
Yery Oliveres At Large 1.00
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
2024 No data No data No data No data
2023 $2,632,253 $2,579,583 $9,106,606 $52,670
2022 $3,836,904 $1,735,688 $4,592,387 $2,101,216
2021 $2,410,001 $1,774,181 $2,292,930 $635,820
2020 $1,154,377 $948,581 $1,708,440 $205,796
2019 $864,567 $870,051 $1,206,156 $-5,484
2018 $580,950 $706,647 $1,071,898 $-125,697
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