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Nonprofit · EIN 94-2398760

NOR-CAL FDC

Tax-exempt · OAKLAND, CA 94612

Financials

$2.2M$2.2M2022$2M$2.4M2023$2.4M$2.4M2024
Revenue Expenses · by fiscal year end
Financials of NOR-CAL FDC by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
June 30, 2025990$2,362,998$2,415,376-$52,378$1,832,041$1,507,335$324,706
June 30, 2024990$2,044,125$2,444,814-$400,689$593,203$193,226$399,977
June 30, 2023990$2,171,288$2,224,820-$53,532$1,107,075$307,304$799,771
Financial details: 990 for the year ended June 30, 2025

Revenue

Contributions, gifts and grants
$227,063
of which government grants
$227,063
Program service revenue
$2,135,917
Investment income
$18
Other revenue
$0

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$864,205
Other salaries and wages
$148,418
Salaries, compensation and benefits (total)
$1,021,813
Professional fundraising fees
$0
Legal fees
$67,000
Accounting fees
$57,350
Occupancy
$95,267
Travel
$72,753
Depreciation
$4,082
Program services (functional)
$1,760,393
Management and general (functional)
$654,983

Balance sheet and other

Total assets, start of year
$593,203
Total assets, end of year
$1,832,041
Total liabilities, end of year
$1,507,335
Net assets, end of year
$324,706
Land, buildings and equipment
$14,731
Net assets without donor restrictions
$324,706
Gross receipts
$2,362,998
Employees
3
Volunteers
0
Year formed
1978
State of legal domicile
CA

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended June 30, 2025, highest compensation first.

NameTitleHours / weekCompensation
SANFORD LIVINGSTONPRESIDENT/CEO
Trustee or director
40$451,909
BYRON PHILLIPSEXECUTIVE VICE PRESIDENT
Trustee or director
40$412,296
ABEN HILLCHAIRMAN
Trustee or director
2$0
CARLOS SERAFINIBOARD MEMEBER
Trustee or director
2$0
WILLIAM BILL JOINERVICE CHAIRMAN
Trustee or director
2$0
ERICA O'LEARYSECRETARY
Trustee or director
2$0
LAURIE GIBBS-HARRISBOARD MEMBER
Trustee or director
2$0
FRANKTUCKER
Trustee or director
2$0
JOHN DZIDABOARD MEMBER
Trustee or director
2$0
990 for the year ended June 30, 2024: 9 people
NameTitleHours / weekCompensation
SANFORD LIVINGSTONPRESIDENT/CEO
Trustee or director
40$412,152
BYRON PHILLIPSEXECUTIVE VICE PRESIDENT
Trustee or director
40$359,596
ABEN HILLCHAIRMAN
Trustee or director
2$0
FRANK TUCKERBOARD MEMBER
Trustee or director
2$0
WILLIAM BILL JOINERVICE CHAIRMAN/TREASURER
Trustee or director
2$0
ERICA O'LEARYSECRETARY
Trustee or director
2$0
LAURIE GIBBS-HARRISBOARD MEMBER
Trustee or director
2$0
CARLO SARAFINIBOARD MEMBER
Trustee or director
2$0
JOHN DZIDABOARD MEMBER
Trustee or director
2$0
990 for the year ended June 30, 2023: 9 people
NameTitleHours / weekCompensation
SANFORD LIVINGSTONCEO
Trustee or director
40$378,566
BYRON PHILLIPSEXECUTIVE VICE PRESIDENT
Trustee or director
40$346,543
ABEN HILLCHAIRMAN
Trustee or director
2$0
LAURIE GIBBS-HARRISBOARD MEMBER
Trustee or director
2$0
WILLIAM BILL JOINERVICE CHAIRMAN/TREASURER
Trustee or director
2$0
ERICA O'LEARYSECRETARY
Trustee or director
2$0
FRANK TUCKERBOARD MEMBER
Trustee or director
2$0
CARLO SARAFINIBOARD MEMBER
Trustee or director
2$0
JOHN DZIDABOARD MEMBER
Trustee or director
2$0

Address and contacts

Address (IRS master file)
300 FRANK H OGAWA PLZ STE 175, OAKLAND, CA 94612-2038
In care of
% JACQUELINE CALDWELL
Principal officer (990 for 2024)
SANFORD LIVINGSTON, 300 FRANK H OGAWA PLZ STE 175, OAKLAND, CA 94612
Signed the 990
SANFORD LIVINGSTON, PRESIDENT/CEO
Phone
(510) 452-1171
Return prepared by
AC CHRISTOPHER ACCOUNTANCY CORPORATION

California records

California keeps its own records of charities and corporations. Search them by EIN 94-2398760 or by the name NOR-CAL FDC.

Attorney General, Registry of Charities and Fundraisers
Registration status and filed reports (CT-TR-1, RRF-1)

Mission

NOR-CAL HELPED SMALL BUSINESSES GAIN ACCESS TO CAPITAL BY PROVIDING GUARANTEES TO LENDERS THROUGHOUT THE NINE COUNTIES OF THE SAN FRANCISCO BAY AREA AND AROUND THE STATE OF CALIFORNIA.

990 for the year ended June 30, 2025

Program accomplishments

  • NOR-CAL HELPED SMALL BUSINESSES GAIN ACCESS TO CAPITAL BY PROVIDING GUARANTEES TO LENDERS THROUGHOUT THE NINE COUNTIES OF THE SAN FRANCISCO BAY AREA AND AROUND THE STATE OF CALIFORNIA.
    Expenses $1,760,393 · grants $227,063 · revenue $2,135,935

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in June, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025June 30, 2026November 16, 2026Not due yet
2024June 30, 2025November 17, 2025990 on file
2023June 30, 2024November 15, 2024990 on file

IRS record

EIN
94-2398760
Tax-exempt status
501(c)(3): Charitable, religious, educational or scientific organization
Foundation status
Publicly supported organization (170(b)(1)(A)(vi))
Donations deductible (Pub 78)
Public charity, 50% deduction limit
Exempt since
1978
Accounting year ends
June
Files
Form 990 or 990-EZ
Assets (IRS master file)
$1,832,041
Income (IRS master file)
$2,362,998

Filing history

FormYear endedRevenueExpensesAssetsReturn
990June 2025$2,362,998$2,415,376$1,832,041XML
990June 2024$2,044,125$2,444,814$593,203IRS
990June 2023$2,171,288$2,224,820$1,107,075XML
990June 2022$2,499,517$1,751,971$1,198,023IRS
990June 2021–––IRS
990June 2020–––IRS
990June 2018–––IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 94-2398760).

Questions about NOR-CAL FDC

What is the EIN of NOR-CAL FDC?
The employer identification number (EIN) of NOR-CAL FDC is 94-2398760.
Is NOR-CAL FDC tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1978.
Are donations to NOR-CAL FDC tax-deductible?
Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
Which annual return does NOR-CAL FDC file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of NOR-CAL FDC due?
The return for tax year 2025 (the year ending June 30, 2026) is due November 16, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
When did NOR-CAL FDC last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended June 2025.
Who is the principal officer of NOR-CAL FDC?
The 990 for the year ended June 30, 2025 names SANFORD LIVINGSTON.
Who are the officers and directors of NOR-CAL FDC?
The 990 for the year ended June 30, 2025 lists 9 people; 2 received compensation from the organization, the highest $451,909 (SANFORD LIVINGSTON, PRESIDENT/CEO).
How much revenue does NOR-CAL FDC have?
On its 990 for the year ended June 30, 2025 it reported revenue of $2,362,998, expenses of $2,415,376 and total assets of $1,832,041 at year end.

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