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Community Certified Development Corporation

Not tax-deductible

Houston, TX501(c)(4)Community DevelopmentEIN 20-2734850Revenue $1.9M in FY2025

On file with the IRScommunitybusinessfinance.com13201 Northwest Fwy Ste 800, 77040-6157 · Houston, TXTax-exempt since Dec 2007

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The purpose of the CDC is to promote economic Development, to stimulate the growth and expansion of small business and industry, and to promote expanded business and employment opportunities in the Community.

78¢ of each $1 spent went to programs.
$1.0M paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Programs: Part IX · Pay: Part VII

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(4)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
No
Donations are not tax-deductible
Worth a look: the IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
3 of 6
filings with a surplus
Average surplus $70K a year · 4% of revenue · last 6 filings
Worth a look: a surplus in 3 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
78%
of spending
Looks good: 78% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$1.0M
to officers and key staff · 55% of spending
Top officer’s pay higher than 96% of similar orgs
Concern: pay to officers and key staff is 55% of spending; over 30%.
Pt VII · Sec A
Cash reserves
7 mo
of spending, in cash
Looks good: 6.7 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$675K
58% of total assets
Fine: liabilities are 58% of assets; 50% to 65%.
Pt X · Ln 26
Independent board members
10
of 10 voting members
Looks good: 10 of 10 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$1.9M
+22% vs prior year
Spent
$1.8M
To programs
78%
Net assets
$481K
By yearFY2020–FY2025
Revenue
$1.9M
FY2025▲ +22%
Tap a bar for its year
Revenue by fiscal year
FY2020$1.5M
FY2021$1.5M
FY2022$1.6M
FY2023$1.6M
FY2024$1.6M
FY2025$1.9M
Expenses
$1.8M
FY2025▲ +14%
Tap a bar for its year
Expenses by fiscal year
FY2020$1.2M
FY2021$1.3M
FY2022$1.6M
FY2023$1.6M
FY2024$1.6M
FY2025$1.8M
Net assets
$481K
FY2025▲ +18%
Tap a bar for its year
Net assets by fiscal year
FY2020$334K
FY2021$527K
FY2022$463K
FY2023$458K
FY2024$409K
FY2025$481K

From the FY2025 Form 990 (year ending September 2025) · figures checked against the IRS filing · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Dec 2007.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

78 cents of each dollar spent went to programs.

Program services 78% · $1.4M Management & general 22% · $409K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

13 people listed on the 990; $1.0M paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
$498,158Pt VII · Sec A
$270,801Pt VII · Sec A
La Tisha Venters
Business Development Director - Houston
$130,000Pt VII · Sec A
Jeanne Bergeron
Business Development Director - Louisiana
$124,844Pt VII · Sec A
Joel English
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
David Murphy
Director
$0Pt VII · Sec A
Jentri Smith
Director
$0Pt VII · Sec A

William S Ebersole’s $498K as CEO is at the 96th percentile of top reported officer pay among 2832 $1–10M community development nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 6 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
William S Ebersole$498,158$484,447$455,200$457,383$430,868—
William Ebersole—————$432,145
Vincent Calicchia$270,801$252,819$226,436$195,000——
Drew Park——$151,492$147,027$140,824$139,700
Jeanne Bergeron$124,844$130,537$120,055$118,888$125,512$123,037
La Tisha Venters$130,000—————

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Fosters economic growth by supporting small businesses and creating jobs.

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Provided by the organization

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1 program · $1.4M · in their own filed words · FY2024
01

The CDC approved 26 loans to small businesses during the fiscal year covered by this return for a total of $41,303,000. A total of 17 loans were funded for a total of $20,119,000. Since the inception of the company in 2005, 544 businesses have been assisted throughout texas and louisiana.

$1.4Mprogram expense

By the numbers

The FY2025 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$1.9M
Ln 12
Fees for servicesLn 2g$1.9M
Investment incomeLn 3$32K
Other incomeLn 4–11$23K
Money outPt IX
$1.8M
Ln 25
Programscol B$1.4M
Managementcol C$409K
Owns and owesPt X
$481K
net assets · Ln 32
Cash and savingsLn 1–2$1.0M
Total assetsLn 16$1.2M
LiabilitiesLn 26$675K
PeoplePt VI, VII
13
listed · VII A
PaidVII A4
Voting boardVI 1a10
IndependentVI 1b10
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$1.9M
Investment incomeLn 3$32K
Other incomeLn 4–11$23K
Total revenueLn 12$1.9M
Assets in detailPt X, end of year
CashLn 1$282K
SavingsLn 2$742K
Cash and savings togetherLn 1–2$1.0M
Land, buildings, equipmentLn 10c$5K
Other assetsLn 15$91K
Total assetsLn 16$1.2M
LiabilitiesLn 26$675K
Net assetsLn 32$481K
OperationsPt I, VI
EmployeesI 54
VolunteersI 60
Fiscal year endsHeaderSeptember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13No
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$957K$1.0M
Land, buildings, equipmentLn 10c$5K$5K
Total assetsLn 16$1.0M$1.2M
LiabilitiesLn 26$639K$675K
Net assetsLn 32$409K$481K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$769K$470K$299K
Other salaries and wagesLn 7$360K$360K
Pension plan contributionsLn 8$33K$24K$9K
Other employee benefitsLn 9$107K$82K$25K
Payroll taxesLn 10$61K$50K$11K
Legal feesLn 11b$18K$18K
Accounting feesLn 11c$20K$20K
Other fees for servicesLn 11g$183K$183K
Advertising and promotionLn 12$45K$45K
Office expensesLn 13$11K$11K
Information technologyLn 14$50K$50K
OccupancyLn 16$16K$13K$4K
TravelLn 17$34K$34K
InterestLn 20$41K$18K$23K
Depreciation, depletion and amortizationLn 22$38K$28K$10K
InsuranceLn 23$14K$14K$418
Other expenses (24a–d)Ln 24$45K$37K$8K
Total functional expensesLn 25$1.8M$1.4M$409K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $1.9M$1.8M$72K$481K 990 PDF
FY2024 $1.6M$1.6M−$49K$409K 990 PDF
FY2023 $1.6M$1.6M−$6K$458K 990 PDF
FY2022 $1.6M$1.6M−$59K$463K 990 PDF
FY2021 $1.5M$1.3M$193K$527K 990 PDF
FY2020 $1.5M$1.2M$270K$334K 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (6 parts)
Part I · Summary $1,918,452 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $1,545,698$1,863,954
I-10 Investment incomePrior year $22,356$31,668
I-11 Other revenuePrior year $0$22,830
I-12 Total revenuePrior year $1,568,054$1,918,452
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $1,197,963$1,329,797
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $419,406$516,568
I-18 Total expensesPrior year $1,617,369$1,846,365
I-19 Revenue less expensesPrior year −$49,315$72,087
Part VI · Governance 10 of 10 board members independent, 1 to look at
VI-1a Voting members of the governing body10
VI-1b Independent voting members10
VI-13 Written whistleblower policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $1,918,452 across 4 lines filed
Lines not itemized here account for $10,320 of total revenue; see the IRS return.
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $1,853,634$1,853,634
VIII-3 Investment incomeExcluded from tax $31,668$31,668
VIII-6 Net rental income or lossExcluded from tax $22,830$22,830
VIII-12 Total revenueRelated to mission $1,863,954 · Unrelated business $0 · Excluded from tax $54,498$1,918,452
Part IX · Statement of functional expenses $1,846,365 across 17 lines filed
IX-5 Pay of current officers, directors and key staffPrograms $470,064 · Management $298,895$768,959
IX-7 Other salaries and wagesPrograms $360,403$360,403
IX-8 Pension plan contributionsPrograms $24,475 · Management $8,657$33,132
IX-9 Other employee benefitsPrograms $81,701 · Management $24,917$106,618
IX-10 Payroll taxesPrograms $49,911 · Management $10,774$60,685
IX-11b Legal feesPrograms $17,797$17,797
IX-11c Accounting feesManagement $20,229$20,229
IX-11g Other fees for servicesPrograms $182,770$182,770
IX-12 Advertising and promotionPrograms $45,491$45,491
IX-13 Office expensesPrograms $10,911$10,911
IX-14 Information technologyPrograms $50,242$50,242
IX-16 OccupancyPrograms $12,656 · Management $3,581$16,237
IX-17 TravelPrograms $33,979$33,979
IX-20 InterestPrograms $17,795 · Management $23,247$41,042
IX-22 Depreciation, depletion and amortizationPrograms $28,438 · Management $9,711$38,149
IX-23 InsurancePrograms $14,055 · Management $418$14,473
IX-24 Other expenses (24a–d)Programs $36,948 · Management $8,300$45,248
IX-25 Total functional expensesPrograms $1,437,636 · Management $408,729 · Fundraising $0$1,846,365
Part X · Balance sheet $1,155,829 assets, 13 lines filed
X-1 Cash, non-interest-bearingStart of year $365,673$281,756
X-2 Savings and temporary cash investmentsStart of year $591,280$741,963
X-4 Accounts receivableStart of year $16,354$26,527
X-9 Prepaid expenses and deferred chargesStart of year $14,019$9,241
X-10c Land, buildings and equipment, netStart of year $4,744$5,234
X-15 Other assetsStart of year $55,108$91,108
X-16 Total assetsStart of year $1,047,178$1,155,829
X-17 Accounts payable and accrued expensesStart of year $52,092$22,741
X-25 Other liabilitiesStart of year $586,539$652,454
X-26 Total liabilitiesStart of year $638,631$675,195
X-27 Net assets without donor restrictionsStart of year $408,547$480,634
X-32 Total net assets or fund balancesStart of year $408,547$480,634
X-33 Total liabilities and net assetsStart of year $1,047,178$1,155,829
Part XI · Reconciliation of net assets $480,634 net assets at year end
XI-1 Total revenue$1,918,452
XI-2 Total expenses$1,846,365
XI-3 Revenue less expenses$72,087
XI-4 Net assets at start of year$408,547
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$480,634

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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