Charity Search / COMMUNITY DEVELOPMENT FINANCE
Community Improvement (S20) 990 on File

COMMUNITY DEVELOPMENT FINANCE

EIN: 94-3308385 · OAKLAND, CA 94610-1720 · United States · FY 2025 Data
3 out of 5 47 / 100 Based on 2+ years of filings
Financial strength (30%) 60/100
Reliability (20%) 55/100
Effectiveness (25%) 71/100
Impact (25%) No data yet
Financial data: FY 2025 · Scored 9/13/2026
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Financial Overview — FY 2025
$197K
Total Revenue
$5.5M
Total Expenses
$615K
Net Assets
1
Employees
Revenue Sources
Expense Breakdown
Program Expense Ratio 96.9%
Fundraising Efficiency N/A
Operating Reserve 1.34x
Liability-to-Asset 0.3%
Revenue Diversification 51.1%
Executive Compensation $140K
Compared with Peers
FY 2025
Compared with 703 similar organizations (United States, Community Improvement, $1M–$10M in expenses), FY 2025.
This organization Middle half of peers (P25–P75) Peer median
Ratio This org Peer median Position (P10 → P90)
Program expense ratio
Program expenses / total expenses · higher is better
96.9% 85.4%
P10P90
Top quarter
Admin expense ratio
Management and general / total expenses · lower is better
3.1% 11.1%
P10P90
Top quarter
Fundraising expense ratio
Fundraising expenses / total expenses · lower is better
0.0% 0.0%
P10P90
Top quarter
Operating reserve
Months of expenses covered by net assets · higher is better
1.3 mo 10.2 mo
P10P90
Bottom quarter
Liabilities to assets
Total liabilities / total assets · lower is better
0.3% 20.7%
P10P90
Top quarter
Revenue concentration
Share of revenue from the largest source · lower is better
51.1% 89.8%
P10P90
Top quarter
Surplus margin
Surplus as a share of revenue
-2704.9% 2.0%
P10P90
Financial History
Year Revenue Expenses Net Assets Program % Staff
2025 $197K $5.5M $615K 96.9% 1
2023 $7.0M $1.2M $6.9M 95.6% 3
2022 $332K $309K $476K 95.6% 3
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Organization Details
EIN
94-3308385
State
CA
City
OAKLAND
ZIP
94610-1720
Classification
S20
Category
Community Improvement
Rating
3★
Coverage
A
Last Updated
Aug 2026
Form 990
On File
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