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.
$64K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

Before you give

FY2021 · 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
Pay to officers and key staff
$64K
to officers and key staff · 8% of spending
Looks good: pay to officers and key staff is 8% of spending; 15% or less.
Pt VII · Sec A
78 mo
of spending, in cash
Looks good: 78.2 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
$5.9M
33% of total assets
Looks good: liabilities are 33% of assets; 50% or less.
Pt X · Ln 26
Independent board members
30
of 31 voting members
Looks good: 30 of 31 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$2.1M
×12 vs prior year
Spent
$790K
To programs
100%
Net assets
$11.8M
By yearFY2020–FY2025
Revenue
$2.1M
FY2021▲ ×12
Tap a bar for its year
Revenue by fiscal year
FY2020$171K
FY2021$2.1M
FY2022$340K
FY2023$634K
FY2024$634K
FY2025$667K
Expenses
$790K
FY2021▲ +383%
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
$11.8M
FY2021▲ +12%
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 FY2021 Form 990 (year ending March 2021) · figures checked against the IRS filing · see the original

990 PDF Claim
You’re viewing the FY2021 filing — not the latest on file. See the latest (FY2025) →

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% · $790K

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

35 people listed on the 990; $64K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2020); the FY2021 filing did not itemize Part VII
Former President & Chief Executive Officer
$22,794Pt VII · Sec A
Executive VP & Cso
$13,509Pt VII · Sec A
SR VP/Chief Program Officer
$11,312Pt VII · Sec A
Chief Financial Officer
$8,041Pt VII · Sec A
VP of Human & Organizational Development
$8,018Pt VII · Sec A
$0Pt VII · Sec A
Past Chair
$0Pt VII · Sec A
Secretary
$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 · $790K · in their own filed words · FY2020
01

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

$694Kprogram expense
02

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

$97Kprogram expense
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 FY2021 990, line by line.

1The main four
Money inPt VIII
$2.1M
Ln 12
Gifts and grantsLn 1h$1.9M
Fees for servicesLn 2g$165K
Investment incomeLn 3$704
Money outPt IX
$790K
Ln 25
Programscol B$790K
Owns and owesPt X
$11.8M
net assets · Ln 32
Cash and savingsLn 1–2$5.2M
Total assetsLn 16$17.7M
LiabilitiesLn 26$5.9M
PeoplePt VI, VII
35
listed · VII A
PaidVII A5
Voting boardVI 1a31
IndependentVI 1b30
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$1.9M
Fees for servicesLn 2g$165K
Investment incomeLn 3$704
Total revenueLn 12$2.1M
Assets in detailPt X, end of year
CashLn 1$4.4M
SavingsLn 2$705K
Cash and savings togetherLn 1–2$5.2M
Total assetsLn 16$17.7M
LiabilitiesLn 26$5.9M
Net assetsLn 32$11.8M
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 FY21End FY21
Cash and savingsLn 1–2$3.5M$5.2M
Total assetsLn 16$10.6M$17.7M
LiabilitiesLn 26$67K$5.9M
Net assetsLn 32$10.5M$11.8M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$240K$240K
Pay of current officers, directors and key staffLn 5$55K$55K
Other salaries and wagesLn 7$65K$65K
Pension plan contributionsLn 8$3K$3K
Other employee benefitsLn 9$6K$6K
Payroll taxesLn 10$7K$7K
Legal feesLn 11b$205K$205K
Accounting feesLn 11c$2K$2K
Other fees for servicesLn 11g$91K$91K
Office expensesLn 13$8K$8K
Information technologyLn 14$4K$4K
OccupancyLn 16$7K$7K
InsuranceLn 23$225$225
Other expenses (24a–d)Ln 24$97K$97K
Total functional expensesLn 25$790K$790K$0$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $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 Viewing $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 FY2021 990 (6 parts)
Part I · Summary $2,091,000 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$1,925,513
I-9 Program service revenuePrior year $168,438$164,783
I-10 Investment incomePrior year $2,829$704
I-11 Other revenuePrior year $0$0
I-12 Total revenuePrior year $171,267$2,091,000
I-13 Grants and similar amounts paidPrior year $0$240,000
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $142,048$136,411
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $21,583$413,752
I-18 Total expensesPrior year $163,631$790,163
I-19 Revenue less expensesPrior year $7,636$1,300,837
Part VI · Governance 30 of 31 board members independent, 1 to look at
VI-1a Voting members of the governing body31
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 $2,091,000 across 5 lines filed
VIII-1f All other contributions, gifts and grants$1,925,513
VIII-1h Total contributions, gifts and grants$1,925,513
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $164,783$164,783
VIII-3 Investment incomeExcluded from tax $704$704
VIII-12 Total revenueRelated to mission $164,783 · Unrelated business $0 · Excluded from tax $704$2,091,000
Part IX · Statement of functional expenses $790,163 across 14 lines filed
IX-1 Grants to domestic organizationsPrograms $240,000$240,000
IX-5 Pay of current officers, directors and key staffPrograms $55,109$55,109
IX-7 Other salaries and wagesPrograms $65,115$65,115
IX-8 Pension plan contributionsPrograms $3,023$3,023
IX-9 Other employee benefitsPrograms $5,950$5,950
IX-10 Payroll taxesPrograms $7,214$7,214
IX-11b Legal feesPrograms $205,000$205,000
IX-11c Accounting feesPrograms $1,791$1,791
IX-11g Other fees for servicesPrograms $91,050$91,050
IX-13 Office expensesPrograms $8,322$8,322
IX-14 Information technologyPrograms $3,752$3,752
IX-16 OccupancyPrograms $7,008$7,008
IX-23 InsurancePrograms $225$225
IX-24 Other expenses (24a–d)Programs $96,604$96,604
IX-25 Total functional expensesPrograms $790,163 · Management $0 · Fundraising $0$790,163
Part X · Balance sheet $17,700,766 assets, 10 lines filed
Asset lines not itemized here account for $12,548,880; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $2,829,814$4,447,235
X-2 Savings and temporary cash investmentsStart of year $703,947$704,651
X-16 Total assetsStart of year $10,593,357$17,700,766
X-17 Accounts payable and accrued expenses$4,000
X-25 Other liabilitiesStart of year $66,997$219,569
X-26 Total liabilitiesStart of year $66,997$5,873,569
X-27 Net assets without donor restrictionsStart of year $10,526,360$10,488,648
X-28 Net assets with donor restrictions$1,338,549
X-32 Total net assets or fund balancesStart of year $10,526,360$11,827,197
X-33 Total liabilities and net assetsStart of year $10,593,357$17,700,766
Part XI · Reconciliation of net assets $11,827,197 net assets at year end
XI-1 Total revenue$2,091,000
XI-2 Total expenses$790,163
XI-3 Revenue less expenses$1,300,837
XI-4 Net assets at start of year$10,526,360
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$11,827,197

Form 990 e-file (XML) FY2021 from the IRS · Classification, formation year and address from the IRS Business Master File

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