To provide needy individuals and families access to health care services, or support, or promote such service providers, including california primary care association.

501(c)(3) charity; gifts are tax-deductible.
100¢ of each $1 spent went to programs.
Run by 30 volunteers.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
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
Yes
Donations are tax-deductible
Looks good: the IRS lists 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
4 of 6
filings with a surplus
Average surplus $149K a year · 20% of revenue · last 6 filings
Fine: a surplus in 4 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
100%
of spending
Looks good: 100% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
275 mo
of spending, in cash
Looks good: 275.3 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $250K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$4.8M
29% of total assets
Looks good: liabilities are 29% of assets; 50% or less.
Pt X · Ln 26
Independent board members
30
of 30 voting members
Looks good: 30 of 30 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$667K
+5% vs prior year
Spent
$411K
To programs
100%
Net assets
$11.4M
By yearFY2020–FY2025
Revenue
$667K
FY2025▲ +5%
Tap a bar for its year
Revenue by fiscal year
FY2020$171K
FY2021$2.1M
FY2022$340K
FY2023$634K
FY2024$634K
FY2025$667K
Expenses
$411K
FY2025▲ +8%
Tap a bar for its year
Expenses by fiscal year
FY2020$164K
FY2021$790K
FY2022$511K
FY2023$1.4M
FY2024$381K
FY2025$411K
Net assets
$11.4M
FY2025▲ +3%
Tap a bar for its year
Net assets by fiscal year
FY2020$10.5M
FY2021$11.8M
FY2022$11.7M
FY2023$10.9M
FY2024$11.1M
FY2025$11.4M

From the FY2025 Form 990 (year ending March 2025) · see the original

990 PDF Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Dec 1999.

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

Where the money goes

100 cents of each dollar spent went to programs.

Program services 100% · $411K

Form 990 Part IX, line 25. Every line is in By the numbers.

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Who runs it and what they're paid

34 people listed on the 990.

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
Secretary
$0Pt VII · Sec A
Immediate Past Chair
$0Pt VII · Sec A
Treasurer
$0Pt VII · Sec A
Vice Speaker
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Member at Large
$0Pt VII · Sec A

Carmela Castellano-Garcia’s $23K as Former President & Chief Executive Officer is at the 20th percentile of top reported officer pay among 1265 $100K–1M philanthropy & grantmaking 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 · 5 named individuals · Part VII

NameFY2021FY2020
Carmela Castellano-Garcia$22,794$16,933
Robert E Beaudry$13,509$12,064
Valerie Sheehan$11,312$7,269
Sonja Spowart$8,041—
David Orange$8,018$7,785

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 15aNo

Programs and updates

Provides low-interest loans to California community health centers to help needy individuals and families access essential healthcare services.

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Provided by the organization

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3 programs · $411K · in their own filed words · FY2024
01

To provide california community clinics and health centers access to low-interest financing for information systems and capital needs.

$411Kprogram expense
02

Current year change in loan loss reserve associated with providing california community clinics and health centers access to low-interest financing.

Pt IX · col B
03

Lending program at below-market interest rates to benefit california-based community health centers.

Pt IX · col B

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · received and paid
Grants received · FY2020
Total grants receivedfrom 1 funder$250K
Grants paid · 13 grants · $1.4M · 2020–2022
Lifelong Medical CareCA · FY2021$30,000
Yehowa Medical ServicesCA · FY2021$30,000
St John's Community HealthCA · FY2020$30,000
Operation Samahan INCCA · FY2020$30,000
QueenscareCA · FY2020$30,000

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$667K
Ln 12
Investment incomeLn 3$391K
Fees for servicesLn 2g$276K
Money outPt IX
$411K
Ln 25
Programscol B$411K
Owns and owesPt X
$11.4M
net assets · Ln 32
Cash and savingsLn 1–2$9.4M
Total assetsLn 16$16.2M
LiabilitiesLn 26$4.8M
PeoplePt VI, VII
34
listed · VII A
PaidVII A0
Voting boardVI 1a30
IndependentVI 1b30
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$276K
Investment incomeLn 3$391K
Total revenueLn 12$667K
Assets in detailPt X, end of year
CashLn 1$75K
SavingsLn 2$9.4M
Cash and savings togetherLn 1–2$9.4M
Total assetsLn 16$16.2M
LiabilitiesLn 26$4.8M
Net assetsLn 32$11.4M
OperationsPt I, VI
EmployeesI 50
VolunteersI 630
Fiscal year endsHeaderMarch
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
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$7.3M$9.4M
Total assetsLn 16$17.2M$16.2M
LiabilitiesLn 26$6.1M$4.8M
Net assetsLn 32$11.1M$11.4M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Legal feesLn 11b$11K$11K
Accounting feesLn 11c$2K$2K
Other fees for servicesLn 11g$203K$203K
Office expensesLn 13$14$14
OccupancyLn 16$130K$130K
Other expenses (24a–d)Ln 24$66K$66K
Total functional expensesLn 25$411K$411K$0$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $667K$411K$255K$11.4M 990 PDF
FY2024 $634K$381K$253K$11.1M 990 PDF
FY2023 $634K$1.4M−$754K$10.9M 990 PDF
FY2022 $340K$511K−$171K$11.7M 990 PDF
FY2021 $2.1M$790K$1.3M$11.8M 990 PDF
FY2020 $171K$164K$8K$10.5M 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $666,851 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $563,034$275,504
I-10 Investment incomePrior year $0$391,347
I-11 Other revenuePrior year $70,998$0
I-12 Total revenuePrior year $634,032$666,851
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 $0$0
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $381,001$411,488
I-18 Total expensesPrior year $381,001$411,488
I-19 Revenue less expensesPrior year $253,031$255,363
Part VI · Governance 30 of 30 board members independent, 1 to look at
VI-1a Voting members of the governing body30
VI-1b Independent voting members30
VI-15a Process for setting top official's payNo
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
Part VIII · Statement of revenue $666,851 across 3 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $275,504$275,504
VIII-3 Investment incomeExcluded from tax $391,347$391,347
VIII-12 Total revenueRelated to mission $275,504 · Unrelated business $0 · Excluded from tax $391,347$666,851
Part IX · Statement of functional expenses $411,488 across 6 lines filed
IX-11b Legal feesPrograms $11,246$11,246
IX-11c Accounting feesPrograms $2,400$2,400
IX-11g Other fees for servicesPrograms $202,651$202,651
IX-13 Office expensesPrograms $14$14
IX-16 OccupancyPrograms $129,565$129,565
IX-24 Other expenses (24a–d)Programs $65,612$65,612
IX-25 Total functional expensesPrograms $411,488 · Management $0 · Fundraising $0$411,488
Part X · Balance sheet $16,204,316 assets, 10 lines filed
Asset lines not itemized here account for $6,764,013; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $76,272$74,997
X-2 Savings and temporary cash investmentsStart of year $7,255,792$9,365,306
X-16 Total assetsStart of year $17,220,399$16,204,316
X-17 Accounts payable and accrued expensesStart of year $12,000$12,000
X-25 Other liabilitiesStart of year $205,533$412,871
X-26 Total liabilitiesStart of year $6,105,686$4,777,608
X-27 Net assets without donor restrictionsStart of year $10,139,814$10,463,809
X-28 Net assets with donor restrictionsStart of year $974,899$962,899
X-32 Total net assets or fund balancesStart of year $11,114,713$11,426,708
X-33 Total liabilities and net assetsStart of year $17,220,399$16,204,316
Part XI · Reconciliation of net assets $11,426,708 net assets at year end
XI-1 Total revenue$666,851
XI-2 Total expenses$411,488
XI-3 Revenue less expenses$255,363
XI-4 Net assets at start of year$11,114,713
XI-9 Other changes in net assets$56,632
XI-10 Net assets at end of year$11,426,708

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

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