Nonprofit · EIN 94-3032394
COMMUNITY VISION CAPITAL & CONSULTING
Also known as NORTHERN CALIFORNIA COMMUNITY LOAN
Tax-exempt · SAN FRANCISCO, CA 94102
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| September 30, 2025 | 990 | $18,843,856 | $22,986,194 | -$4,142,338 | $171,647,430 | $125,065,471 | $46,581,959 |
| September 30, 2024 | 990 | $24,622,332 | $16,578,910 | $8,043,422 | $161,816,185 | $112,664,111 | $49,152,074 |
Financial details: 990 for the year ended September 30, 2025
Revenue
- Contributions, gifts and grants
- $9,630,641
- of which government grants
- $5,663,195
- Program service revenue
- $6,875,908
- Investment income
- $2,018,563
- Net rental income
- $12,300
- Net gain from sales of assets
- $130,204
- Net income from fundraising events
- -$59,994
- Other revenue
- $318,744
Expenses
- Grants and similar amounts paid
- $145,362
- Compensation of officers, directors and key employees
- $1,280,103
- Other salaries and wages
- $3,303,881
- Salaries, compensation and benefits (total)
- $5,579,638
- Professional fundraising fees
- $18,969
- Legal fees
- $164,042
- Accounting fees
- $98,485
- Occupancy
- $366,744
- Travel
- $75,236
- Depreciation
- $43,642
- Program services (functional)
- $21,955,555
- Management and general (functional)
- $868,016
- Fundraising (functional)
- $162,623
Balance sheet and other
- Total assets, start of year
- $161,816,185
- Total assets, end of year
- $171,647,430
- Total liabilities, end of year
- $125,065,471
- Net assets, end of year
- $46,581,959
- Land, buildings and equipment
- $2,482,418
- Publicly traded securities
- $34,478,916
- Net assets without donor restrictions
- $41,411,784
- Net assets with donor restrictions
- $5,170,175
- Gross receipts
- $39,678,445
- Employees
- 40
- Volunteers
- 26
- Year formed
- 1987
- 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 September 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CATHERINE HOWARD | PRESIDENT Officer | 40 | $303,333 | $34,936 |
| SABRINA KELLEY | DIRECTOR OF EXTERNAL RELATIONS Key employee | 40 | $208,292 | $29,301 |
| WILFREDO MENDOZA | VP OF FINANCE/CFO Officer | 40 | $205,686 | $29,763 |
| SAUL ETTLIN | SENIOR ADVISOR TO THE PRESIDENT Highest-paid employee | 40 | $197,472 | $33,620 |
| SCOTT SPORTE | DIRECTOR OF CREDIT Key employee | 40 | $191,279 | $28,010 |
| AMANDA BORNSTEIN | INTERIM DIR OF CATALYTIC CONSULTING Highest-paid employee | 40 | $169,522 | $21,850 |
| GRAYTON HUANG | CONTROLLER Highest-paid employee | 40 | $166,497 | $9,411 |
| NATHANIEL SCHAFFRAN | DIRECTOR OF BUSINESS Highest-paid employee | 40 | $147,352 | $27,689 |
| DANIEL MCDONALD | SENIOR BUSINESS DEVELOPMENT OFFICER Highest-paid employee | 40 | $161,679 | $9,746 |
| PAMELA MERCHANT | BOARD MEM/CONSULTANT (THRU 3/31/25) Trustee or director | 15 | $6,400 | $0 |
| ANITA ADDISON | BOARD CHAIR Trustee or director, Officer | 15 | $0 | $0 |
| JOHN CHAN | TREASURER Trustee or director, Officer | 15 | $0 | $0 |
| DAVID ELSAESSER | SECRETARY Trustee or director, Officer | 15 | $0 | $0 |
| ANDY MADEIRA | BOARD MEMBER Trustee or director | 15 | $0 | $0 |
| CAROLYN JOHNSON | BOARD MEMBER Trustee or director | 15 | $0 | $0 |
8 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| BHAVANI DARYANANI | BOARD MEMBER Trustee or director | 15 | $0 |
| NIKKI BEASLEY | BOARD MEMBER Trustee or director | 15 | $0 |
| ESTELLA SANCHEZ | BOARD MEMBER (THRU 4/30/25) Trustee or director | 15 | $0 |
| DAVID DILL | BOARD MEMBER Trustee or director | 15 | $0 |
| ERIC WEAVER | BOARD MEMBER Trustee or director | 15 | $0 |
| PATRICIA GOPAUL | BOARD MEMBER Trustee or director | 15 | $0 |
| C LEA SALEM | BOARD MEMBER Trustee or director | 15 | $0 |
| LUISA MEDINA | BOARD MEMBER (THRU 1/31/25) Trustee or director | 15 | $0 |
990 for the year ended September 30, 2024: 25 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CATHERINE HOWARD | PRESIDENT Officer | 40 | $261,983 | $37,007 |
| SABRINA KELLEY | DIR OF EXTERNAL RELATIONS Key employee | 40 | $206,207 | $26,838 |
| WILFREDO O MENDOZA | CFO Officer | 40 | $198,867 | $30,326 |
| SAUL ETTLIN | SENIOR ADVISOR TO THE PRESIDENT Highest-paid employee | 40 | $190,136 | $28,948 |
| SCOTT SPORTE | DIRECTOR OF CREDIT Key employee | 40 | $182,035 | $25,441 |
| NATE SCHAFFRAN | DIRECTOR OF BUSINESS DEVELOPMENT Key employee | 40 | $168,809 | $30,204 |
| CARMEN JONES-WEAKS | DIRECTOR OF PEOPLE & CULTURE Key employee | 40 | $167,669 | $29,030 |
| JASON RIGGS | COMMUNICATIONS DIRECTOR Key employee | 40 | $173,269 | $22,178 |
| AMANDA BORNSTEIN | DIR OF CATALYTIC CONSULTING/TRAINING Highest-paid employee | 40 | $167,190 | $20,976 |
| RISA KEEPER | INTERIM DIRECTOR OF CATALYTIC CAPITAL (THRU 12/13/ Highest-paid employee | 40 | $167,281 | $19,178 |
| DANIEL MCDONALD | SENIOR BUSINESS DEVELOPMENT OFFICER Highest-paid employee | 40 | $153,953 | $10,199 |
| GRAYTON HUANG | CONTROLLER Highest-paid employee | 40 | $147,594 | $9,828 |
| PAMELA MERCHANT | BOARD MEMBER/CONSULTANT Trustee or director | 4 | $4,600 | $0 |
| ANITA ADDISON | BOARD CHAIR Trustee or director, Officer | 4 | $0 | $0 |
| JOHN CHAN | TREASURER Trustee or director, Officer | 4 | $0 | $0 |
| DAVID ELSAESSER | SECRETARY Trustee or director, Officer | 4 | $0 | $0 |
| PATRICIA GOPAUL | BOARD MEMBER Trustee or director | 4 | $0 | $0 |
| CAROYN JOHNSON | BOARD MEMBER Trustee or director | 4 | $0 | $0 |
| ANDY MADEIRA | BOARD MEMBER Trustee or director | 4 | $0 | $0 |
| NIKKI BEASLEY | BOARD MEMBER Trustee or director | 4 | $0 | $0 |
| ESTELLA SANCHEZ | BOARD MEMBER Trustee or director | 4 | $0 | $0 |
| BHAVANI DARYANANI | BOARD MEMBER Trustee or director | 4 | $0 | $0 |
| LUISA MEDINA | BOARD MEMBER Trustee or director | 4 | $0 | $0 |
| BRYAN IGNOZZI | BOARD MEMBER (THRU 1/1/24) Trustee or director | 4 | $0 | $0 |
| LUIS RODRIGUEZ | BOARD MEMBER (THRU 6/1/24) Trustee or director | 4 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 870 MARKET ST STE 677, SAN FRANCISCO, CA 94102-3024
- Principal officer (990 for 2024)
- CATHERINE HOWARD, 870 MARKET STREET 677, SAN FRANCISCO, CA 94102
- Signed the 990
- WIL O MENDOZA, VICE PRESIDENT OF FINANCE
- Phone
- (415) 392-8215
- Return prepared by
- HOOD & STRONG LLP
Mission
COMMUNITY VISION CAPITAL & CONSULTING PROMOTES ECONOMIC JUSTICE AND ALLEVIATES POVERTY BY INCREASING THE FINANCIAL RESILIENCE AND SUSTAINABILITY OF COMMUNITY-BASED NONPROFITS AND ENTERPRISES. THROUGH FLEXIBLE FINANCIAL PRODUCTS AND SOUND ADVICE, WE CREATE OPPORTUNITIES TO MAKE SOCIALLY RESPONSIBLE INVESTMENTS THAT REVITALIZE NORTHERN CALIFORNIA COMMUNITIES.
Program accomplishments
- CAPITAL SOLUTIONS: SINCE 1987, COMMUNITY VISION HAS MADE 697 LOANS TOTALING $398 MILLION TO NONPROFITS AND SOCIAL ENTERPRISES SERVING DISINVESTED COMMUNITIES IN NORTHERN AND CENTRAL CALIFORNIA, LEVERAGING OVER $2.16 BILLION IN ADDITIONAL PROJECT FUNDING. THESE LOANS HAVE HELPED CREATE OR PRESERVE 8,166 AFFORDABLE HOUSING UNITS FOR LOW-INCOME FAMILIES AND INDIVIDUALS, AND FINANCED OVER 5.9 MILLION SQUARE FEET OF NEIGHBORHOOD-SERVING COMMERCIAL AND RESIDENTIAL SPACE. THES LOANS HAVE ALSO HELPED CREATED OR PRESERVE 29,881 PERMANENT AND CONSTRUCTION JOBS, AND HELPED FINANCE PROJECTS BY ORGANIZATIONS THAT SERVE OVER 6 MILLION INDIVIDUALS. AT THE END OF FY25, COMMUNITY VISION MANAGED A PORTFOLIO OF 91 LOANS WORTH $120 MILLION TO 80 ORGANIZATIONS. DURING THE COURSE OF FY25, COMMUNITY VISION CLOSED 18 LOANS TOTALING $50 MILLION.Expenses $18,902,054 · grants $139,363 · revenue $6,206,740
- REAL ESTATE SOLUTIONS (RES): SINCE THE INCEPTION OF OUR CONSULTING & TRAINING PROGRAM, COMMUNITY VISION HAS PROVIDED 1,383 REAL ESTATE AND FINANCIAL MANAGEMENT CONSULTING ENGAGEMENTS AND SERVED 8,964 PARTICIPANTS THROUGH WORKSHOPS ON THESE TOPICS. DURING FY25, THE PROGRAM COMPLETED 75 CONSULTING ENGAGEMENTS, AND HOSTED 18 WORKSHOPS. RES ALSO MANAGES THE CALCORE PROGRAM, A FIVE-YEAR STATE-WIDE INITIATIVE THAT BRINGS TOGETHER COHORTS OF COMMUNITY-BASED DEVELOPERS, WITH A FOCUS ON BLACK, INDIGENOUS, PEOPLE OF COLOR-LED (BIPOC) REAL ESTATE ORGANIZATIONS, PARTICULARLY COMMUNITY DEVELOPMENT CORPORATIONS (CDCS) AND COMMUNITY LAND TRUSTS (CLTS).Expenses $1,369,061 · grants $6,000 · revenue $1,035,606
- COMMUNICATIONS AND IMPACT: COMMUNITY VISION CONDUCTS ONGOING EVALUATION OF PROGRAMS AND INITIATIVES. WE DEVELOP AND DISTRIBUTE INFORMATION ABOUT OUR PROGRAMS BOTH INTERNALLY AND EXTERNALLY VIA MULTIPLE CHANNELS.Expenses $784,575
- CAPITALIZATION: COMMUNITY VISION WAS FOUNDED AS A VEHICLE TO CHANNEL CAPITAL FROM SOCIALLY RESPONSIBLE AND MISSION MOTIVATED INVESTORS TO PROJECTS THAT BENEFIT LOW-INCOME PEOPLE. WE PROVIDE EDUCATION ON SUSTAINABLE, SOCIALLY RESPONSIBLE INVESTING. AT THE END OF FY2025, INVESTMENTS MADE BY OVER 330 BANKS, FOUNDATIONS, INDIVIDUALS, RELIGIOUS ORGANIZATIONS, NONPROFIT ORGANIZATIONS AND HOSPITAL SYSTEMS INTO OUR REVOLVING LOAN FUND TOTALED $114.2 MILLION.NEW MARKETS TAX CREDITS: COMMUNITY VISION HAS RECEIVED A TOTAL OF $212 MILLION IN NEW MARKETS TAX CREDIT (NMTC) ALLOCATIONS FOR USE IN OUR CALIFORNIA SERVICE AREA. WE HIGHLY LEVERAGE AND INVEST TAX CREDIT CAPITAL IN HIGH IMPACT BUSINESSES AND NONPROFITS IN QUALIFYING LOW-INCOME COMMUNITIES, CREATING JOBS AND SPURRING ADDITIONAL ECONOMIC DEVELOPMENT. OUR NMTC PROGRAM HAS HELPED TO CREATED OR PRESERVE 5,637 JOBS, CREATED 1,038,826 SQUARE FEET OF COMMUNITY FACILITY SPACE, HELPED TO DEVELOP 84 UNITS OF AFFORDABLE HOUSING AND LEVERAGED AN ADDITIONAL $340 MILLION IN PRIVATE INVESTMENT. OVER 962,000 INDIVIDUALS ACROSS 8 COUNTIES SPANNING CALIFORNIA ARE SERVED BY THE PROJECTS DEVELOPED USING THESE FUNDS.Expenses $899,865
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 September, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | September 30, 2026 | February 15, 2027 | Not due yet |
| 2024 | September 30, 2025 | February 16, 2026 | 990 on file |
| 2023 | September 30, 2024 | February 17, 2025 | 990 on file |
IRS record
- EIN
- 94-3032394
- 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
- 1992
- Accounting year ends
- September
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Community improvement and capacity building (S200)
- Assets (IRS master file)
- $171,647,430
- Income (IRS master file)
- $39,678,445
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | September 2025 | – | – | – | IRS |
| 990 | September 2024 | – | – | – | IRS |
| 990 | September 2023 | $10,403,968 | $13,889,814 | $129,891,649 | IRS |
| 990 | September 2022 | $13,288,785 | $11,678,145 | $119,686,017 | IRS |
| 990 | September 2021 | – | – | – | IRS |
| 990 | September 2020 | – | – | – | IRS |
| 990 | September 2019 | – | – | – | IRS |
990-N: the IRS publishes only the latest e-Postcard per organization; earlier years appear here as 990.tax collects the monthly files. 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.
Questions about COMMUNITY VISION CAPITAL & CONSULTING
- What is the EIN of COMMUNITY VISION CAPITAL & CONSULTING?
- The employer identification number (EIN) of COMMUNITY VISION CAPITAL & CONSULTING is 94-3032394.
- Is COMMUNITY VISION CAPITAL & CONSULTING tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1992.
- Are donations to COMMUNITY VISION CAPITAL & CONSULTING tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does COMMUNITY VISION CAPITAL & CONSULTING 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 COMMUNITY VISION CAPITAL & CONSULTING due?
- The return for tax year 2025 (the year ending September 30, 2026) is due February 15, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did COMMUNITY VISION CAPITAL & CONSULTING last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended September 2025.
- Who is the principal officer of COMMUNITY VISION CAPITAL & CONSULTING?
- The 990 for the year ended September 30, 2025 names CATHERINE HOWARD.
- Who are the officers and directors of COMMUNITY VISION CAPITAL & CONSULTING?
- The 990 for the year ended September 30, 2025 lists 23 people; 10 received compensation from the organization, the highest $303,333 (CATHERINE HOWARD, PRESIDENT).
- How much revenue does COMMUNITY VISION CAPITAL & CONSULTING have?
- On its 990 for the year ended September 30, 2025 it reported revenue of $18,843,856, expenses of $22,986,194 and total assets of $171,647,430 at year end.
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All nonprofits in SAN FRANCISCO · California · Community improvement and capacity building