Capital Access Group Inc (EIN 954566396) - 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

1995

Legal Domicile

Phone

4152177600

Tax Period

2023-10-01 to 2024-09-30

Capital Access Group Inc, founded in 1995, is a community nonprofit that reported $4.7M in total revenue in fiscal year 2023. Expenses of $4.0M left a modest 15% surplus.

Mission

THE ORGANIZATION OPERATES AS AN SBA CERTIFIED DEVELPMENT COMPANY (CDC), TO STIMULATE THE GROWTH AND EXPANSION OF SMALL BUSINESSES PRIMARILY THROUGH SBA LOAN PROGRAMS.

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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 $0

Program Service Revenue $4,511,555

Investment Income $81,054

Other Revenue $149,500

TOTAL REVENUE $4,742,109

Expense Breakdown

Grants Paid $7,663

Salaries & Benefits $3,456,926

Fundraising Expenses $0

Program Expenses $3,440,667

Other Expenses $581,902

TOTAL EXPENSES $4,046,491

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,742,109	$4,397,482	+0.1%
Expenses	$4,046,491	$3,498,416	+0.2%
Net Income	$695,618	$899,066	-0.2%

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

$777,063

Total Directors

$27,800

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jacklyn Jordan	President & CEO	40.00	Officer	$764,263	$0	$764,263
Claudia Cohen	VP, Marketing	40.00		$337,211	$0	$337,211
David Simmons	VP, PORTFOLIO MGR	40.00		$304,420	$0	$304,420
Alan Jung	SVP, Chief credit	40.00		$296,470	$0	$296,470
Kate Larson	Chief Info Officer	40.00		$281,240	$0	$281,240
Jenny Tice	Bussiness Dev. Off	40.00		$244,810	$0	$244,810
Raymond R Holland	Vice President	1.00	Officer Director	$4,400	$0	$4,400
Paul Foster	Director	1.00	Director	$4,400	$0	$4,400
Ronald M Blatman	Director	1.00	Director	$4,200	$0	$4,200
Michael Perri JR	Chairman	1.00	Officer Director	$3,600	$0	$3,600
Ron Gerber	Secretary	1.00	Officer Director	$3,600	$0	$3,600
Alan K Aikawa	Director	1.00	Director	$3,600	$0	$3,600
Maggie Sabovich	Director	1.00	Director	$2,800	$0	$2,800
Linda Chan	Treasurer	1.00	Officer Director	$1,200	$0	$1,200

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	$4,742,109	$4,046,491	$4,809,917	$695,618
2023	$4,397,482	$3,498,416	$3,919,262	$899,066
2022	$3,761,634	$3,485,444	$2,689,643	$276,190
2021	$3,647,968	$4,076,601	$3,408,808	$-428,633
2020	$3,748,795	$3,812,955	$3,307,836	$-64,160
2019	$3,284,193	$3,304,816	$3,284,864	$-20,623
2018	$3,182,967	$3,346,359	$3,179,700	$-163,392

Capital Access Group Inc