COMMUNITY DEVELOPMENT FINANCE (EIN 943308385) - 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

1998

Legal Domicile

Phone

5108481174

Tax Period

2024-07-01 to 2025-06-30

COMMUNITY DEVELOPMENT FINANCE, founded in 1998, is a small nonprofit in the Community Improvement sector that reported $197K in total revenue in fiscal year 2024. Revenue fell 83% from the prior year — a significant decline worth monitoring. Expenses of $5.5M exceeded revenue, resulting in a 2705% operating deficit.

Mission

TO INCREASE THE AVAILABILITY OF CAPITAL, AND ACCESS TO FINANCIAL INSTITUTIONS IN LOW-INCOME COMMUNITIES.

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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 $100,650

Program Service Revenue $24,891

Investment Income $15,795

Other Revenue $55,511

TOTAL REVENUE $196,847

Expense Breakdown

Grants Paid $0

Salaries & Benefits $140,644

Fundraising Expenses $0

Program Expenses $5,349,110

Other Expenses $5,380,720

TOTAL EXPENSES $5,521,364

Year-over-Year Comparison

	2024	2023	Change
Revenue	$196,847	$1,166,350	-0.8%
Expenses	$5,521,364	$2,126,863	+1.6%
Net Income	$-5,324,517	$-960,513	+4.5%

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

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

$140,000

Total Directors

$140,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL M LEIBSOHN	President	40.00	Officer Director	$140,000	$0	$140,000
JOHN HARRINGTON	Secretary	1.00	Officer Director	$0	$0	$0
OMOLARA LU OSINOWO-GAINES	BOARD MEMBER	0.00	Director	$0	$0	$0
KIRSTEN MOY	BOARD MEMBER	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
2025	$196,847	$5,521,364	$616,863	$-5,324,517
2024	No data	No data	No data	No data
2023	$7,001,618	$1,234,342	$7,063,935	$5,767,276
2022	$331,800	$309,121	$1,351,035	$22,679
2021	$328,728	$377,921	$1,092,738	$-49,193
2020	$317,340	$255,696	$561,812	$61,644
2019	$282,374	$242,714	$938,258	$39,660

COMMUNITY DEVELOPMENT FINANCE