ALLIANCE FOR COMMUNITY DEVELOPMENT OF THE SAN FRANCISCO BAY AREA (EIN 943347820) - 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

1999

Legal Domicile

Principal Officer

MICHAEL GUNNING

Phone

5103199702

Tax Period

2023-01-01 to 2023-12-31

ALLIANCE FOR COMMUNITY DEVELOPMENT OF THE SAN FRANCISCO BAY AREA, founded in 1999, is a small nonprofit in the Unknown sector that reported $404K in total revenue in fiscal year 2023. Revenue fell 41% from the prior year — a significant decline worth monitoring. Expenses of $1.2M exceeded revenue, resulting in a 185% operating deficit.

Mission

DEDICATED TO INCREASING ACCESS TO CAPITAL FOR UNDERREPRESENTED ENTREPRENEURS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $207,877

Program Service Revenue $4,504

Investment Income $186,113

Other Revenue $5,795

TOTAL REVENUE $404,289

Expense Breakdown

Grants Paid $10,500

Salaries & Benefits $449,094

Fundraising Expenses $661

Program Expenses $87,935

Other Expenses $694,517

TOTAL EXPENSES $1,154,111

Year-over-Year Comparison

	2023	2022	Change
Revenue	$404,289	$679,586	-0.4%
Expenses	$1,154,111	$792,349	+0.5%
Net Income	$-749,822	$-112,763	+5.6%

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

$101,727

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL GUNNING	CHAIRMAN	2.00	Officer Director	$0	$0	$0
JAMES NIXON	TREASURER	2.00	Officer Director	$0	$0	$0
DENNIS WONG	SECRETARY	2.00	Officer Director	$0	$0	$0
LYZ FERGUSON	BOARD MEMBER	2.00	Director	$0	$0	$0
COLLETTE HANNA	EXECUTIVE DIRECTOR	40.00	Officer	$36,923	$0	$36,923
NAIMA MCQUEEN	EXECUTIVE DIRECTOR (LEFT 7/23)	40.00	Officer	$62,578	$2,226	$64,804

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	$404,289	$1,154,111	$5,437,499	$-749,822
2022	$679,586	$792,349	$5,538,516	$-112,763
2021	$1,269,294	$1,007,948	$7,498,036	$261,346
2020	$485,554	$639,223	$6,869,988	$-153,669
2019	$573,997	$418,834	$5,814,777	$155,163
2018	$579,042	$378,430	$5,448,114	$200,612

ALLIANCE FOR COMMUNITY DEVELOPMENT OF THE SAN FRANCISCO BAY AREA