Springboard Cdfi

Springboard Home Loans

National City, CA
Tax-exempt since April 1982
EIN: 95-3685889

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Type of Nonprofit

Designated as a 501(c)(3) Organizations for any of the following purposes: religious, educational, charitable, scientific, literary, testing for public safety, fostering national or international amateur sports competition (as long as it doesn't provide athletic facilities or equipment), or the prevention of cruelty to children or animals.

Category: Housing, Shelter / Housing Support Services -- Other (NTEE)

Donations to this organization are tax deductible.

Revenue

$225k (2023)

Expenses

$402k (2023)

Total Assets

$9.64M (2023)

Total Liabilities

$1.16M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Revenue

$225,180

Expenses

$401,741

Net Income

-$176,561

Net Assets

$8,472,226

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$36,197	16.1%
Program Services	$188,827	83.9%
Investment Income	$2	0.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$154	0.1%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$181,201	45.1%
Professional Fundraising Fees	$0
Other Salaries and Wages	$39,296	9.8%

Assets/Debt
Total Assets	$9,636,256
Total Liabilities	$1,164,030
Net Assets	$8,472,226

Compensation

Key Employees and Officers	Compensation	Related	Other
Angelique Capalbo (President)	$164,475	$0	$16,726
Curtis Paradzick (Director)	$0	$0	$0
Todd Emerson (Board Chair)	$0	$0	$0
Denis Gitschier (Treasurer)	$0	$0	$0
Steven Clark (Secretary)	$0	$0	$0

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990

Filed on Nov. 14, 2024

Primary tax return for a nonprofit’s activities, finances, and governance

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Fiscal Year Ending Dec.
2022

Revenue

$168,905

Expenses

$384,826

Net Income

-$215,921

Net Assets

$8,648,787

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$169,794	> 100%
Investment Income	$77	0.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$1,804
Net Inventory Sales	$0
Other Revenue	$838	0.5%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$116,433	30.3%
Professional Fundraising Fees	$0
Other Salaries and Wages	$39,957	10.4%

Assets/Debt
Total Assets	$9,349,739
Total Liabilities	$700,952
Net Assets	$8,648,787

Compensation

Key Employees and Officers	Compensation	Related	Other
Angelique Capalbo (President)	$94,890	$0	$7,510
Curtis Paradzick (Director)	$0	$0	$0
Todd Emerson (Board Chair)	$0	$0	$0
Denis Gitschier (Treasurer)	$0	$0	$0
Steven Clark (Secretary)	$0	$0	$0

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990

Filed on July 27, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

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Fiscal Year Ending Dec.
2021

Revenue

$676,910

Expenses

$494,843

Net Income

$182,067

Net Assets

$8,864,708

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$137,119	20.3%
Program Services	$463,879	68.5%
Investment Income	$14	0.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$75,898	11.2%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$207,831	42.0%
Professional Fundraising Fees	$0
Other Salaries and Wages	$51,121	10.3%

Assets/Debt
Total Assets	$9,572,019
Total Liabilities	$707,311
Net Assets	$8,864,708

Compensation

Key Employees and Officers	Compensation	Related	Other
Joanne Cordero (Former President)	$194,273	$0	$13,558
Curtis Paradzick (Director)	$0	$0	$0
John Perlstein (Director)	$0	$0	$0
Todd Emerson (Chair/President)	$0	$0	$0
Denis Gitschier (Treasurer)	$0	$0	$0
Steven Clark (Secretary)	$0	$0	$0

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990

Filed on Aug. 8, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

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Fiscal Year Ending Dec.
2020

Revenue

$3,406,050

Expenses

$1,411,241

Net Income

$1,994,809

Net Assets

$8,682,641

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$263,995	7.8%
Program Services	$3,142,043	92.2%
Investment Income	$12	0.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$359,954	25.5%
Professional Fundraising Fees	$0
Other Salaries and Wages	$419,876	29.8%

Assets/Debt
Total Assets	$9,545,566
Total Liabilities	$862,925
Net Assets	$8,682,641

Compensation

Key Employees and Officers	Compensation	Related	Other
Joanne Cordero (President)	$196,592	$0	$16,349
Angelique Capalbo (Vp Lending)	$135,777	$0	$11,236
Dona Ellena (Dir Of Production)	$114,103	$0	$4,421
Curtis Paradzick (Director)	$0	$0	$0
John Perlstein (Director)	$0	$0	$0
Todd Emerson (Chair)	$0	$0	$0
Denis Gitschier (Treasurer)	$0	$0	$0
Steven Clark (Secretary)	$0	$0	$0

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990

Filed on Oct. 5, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

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Fiscal Year Ending Dec.
2019

Revenue

$1,850,444

Expenses

$2,433,659

Net Income

-$583,215

Net Assets

$6,294,883

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$1,850,444	100%
Investment Income	$0
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$448,003	18.4%
Professional Fundraising Fees	$0
Other Salaries and Wages	$717,339	29.5%

Assets/Debt
Total Assets	$9,261,266
Total Liabilities	$2,966,383
Net Assets	$6,294,883

Compensation

Key Employees and Officers	Compensation	Related	Other
Angelique Capalbo (Vp Lending)	$182,153	$0	$0
Joanne Cordero (President)	$144,669	$0	$0
Dona Ellena (Dir Of Prod)	$121,181	$0	$0
John Perlstein (Director)	$0	$0	$0
Denis Gitschier (Director)	$0	$0	$0
Steven Clark (Director)	$0	$0	$0
Curtis Paradzick (Director)	$0	$0	$0
Todd Emerson (Chairman)	$0	$0	$0

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990

Filed on July 9, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

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Fiscal Year Ending Dec.
2018

Revenue

$743,000

Expenses

$2,929,871

Net Income

-$2,186,871

Net Assets

$6,672,138

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$239,606	32.2%
Program Services	$503,390	67.8%
Investment Income	$4	0.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$587,212	20.0%
Professional Fundraising Fees	$0
Other Salaries and Wages	$666,983	22.8%

Assets/Debt
Total Assets	$9,338,614
Total Liabilities	$2,666,476
Net Assets	$6,672,138

Compensation

Key Employees and Officers	Compensation	Related	Other
Gabe Del Rio (Past President)	$186,942	$0	$0
Angelique Capalbo (Vp Lending)	$168,010	$0	$0
Lupe Hernandez (Vice President)	$131,412	$0	$0
Lorenzo Dominguez (Manager)	$107,997	$0	$0
Todd Emerson (Chairman)	$0	$0	$0
John Perlstein (Director)	$0	$0	$0
Denis Gitschier (Director)	$0	$0	$0
Steven Clark (Director)	$0	$0	$0
Curtis Paradzick (Director)	$0	$0	$0
Jamil Atcha (Ex Vice Preside)	$0	$0	$0
Joanne Cordero (President)	$0	$0	$0

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990

Filed on May 16, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

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Fiscal Year Ending Dec.
2017

Revenue

$2,696,179

Expenses

$3,639,307

Net Income

-$943,128

Net Assets

$8,858,618

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,779,036	66.0%
Program Services	$917,116	34.0%
Investment Income	$27	0.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$647,306	17.8%
Professional Fundraising Fees	$0
Other Salaries and Wages	$841,509	23.1%

Assets/Debt
Total Assets	$9,191,951
Total Liabilities	$333,333
Net Assets	$8,858,618

Compensation

Key Employees and Officers	Compensation	Related	Other
Gabe Del Rio (President)	$215,868	$0	$0
Angelique Capalbo (Vp Lending)	$167,547	$0	$0
Jamil Atcha (Ex Vice Preside)	$142,219	$0	$0
Matt Callahan (Vp Sales)	$121,672	$0	$0
Todd Emerson (Chairman)	$0	$0	$0
John Perlstein (Director)	$0	$0	$0
Denis Gitschier (Director)	$0	$0	$0
Steven Clark (Director)	$0	$0	$0
Curtis Paradzick (Director)	$0	$0	$0

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990

Filed on Sept. 6, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

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Fiscal Year Ending Dec.
2016

Revenue

$3,106,525

Expenses

$2,050,974

Net Income

$1,055,551

Net Assets

$10,078,452

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$2,539,123	81.7%
Program Services	$546,375	17.6%
Investment Income	$26	0.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$21,001	0.7%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$358,862	17.5%
Professional Fundraising Fees	$0
Other Salaries and Wages	$499,849	24.4%

Assets/Debt
Total Assets	$10,483,849
Total Liabilities	$405,397
Net Assets	$10,078,452

Compensation

Key Employees and Officers	Compensation	Related	Other
Gabe Del Rio (President)	$201,060	$0	$0
Matt Callahan (Vp Sales)	$62,920	$0	$0
Todd Emerson (Chairman)	$0	$0	$0
Denis Gitschier (Director)	$0	$0	$0
Steven Clark (Director)	$0	$0	$0
Curtis Paradzick (Director)	$0	$0	$0

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990

Filed on Aug. 1, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

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Fiscal Year Ending Dec.
2015

Revenue

$3,997,173

Expenses

$2,596,138

Net Income

$1,401,035

Net Assets

$10,719,109

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$3,210,262	80.3%
Program Services	$792,173	19.8%
Investment Income	$28	0.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$5,284
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$338,624	13.0%
Professional Fundraising Fees	$0
Other Salaries and Wages	$622,509	24.0%

Assets/Debt
Total Assets	$11,060,545
Total Liabilities	$341,436
Net Assets	$10,719,109

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2014

Revenue

$4,070,519

Expenses

$2,371,054

Net Income

$1,699,465

Net Assets

$8,079,381

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,803,112	44.3%
Program Services	$1,276,716	31.4%
Investment Income	$28	0.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$990,663	24.3%
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$192,260	8.1%
Professional Fundraising Fees	$0
Other Salaries and Wages	$1,222,008	51.5%

Assets/Debt
Total Assets	$14,035,900
Total Liabilities	$5,956,519
Net Assets	$8,079,381

Compensation

Key Employees and Officers	Compensation	Related	Other
Jorge Vega (Vp Realty)	$132,453	$0	$0
Dian Sodano (Vp Lending)	$106,246	$0	$12,696
Gabe Del Rio (Coo)	$104,295	$51,369	$5,150
Susan M Reynolds (President/Ceo)	$59,679	$121,167	$9,320
Brian Kay (Cfo)	$50,271	$102,067	$18,356
Stephen Baker (Treasurer)	$0	$0	$0
Michael Innis Thompson (Secretary)	$0	$0	$0

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990

Filed on Aug. 20, 2015

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990-T

For unrelated business income from activities not substantially related to the organization's tax-exempt purpose

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Fiscal Year Ending Dec.
2013

Revenue

$2,790,152

Expenses

$2,582,469

Net Income

$207,683

Net Assets

$6,379,916

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$933,990	33.5%
Program Services	$1,856,123	66.5%
Investment Income	$39	0.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$192,259	7.4%
Professional Fundraising Fees	$0
Other Salaries and Wages	$1,260,776	48.8%

Assets/Debt
Total Assets	$11,679,347
Total Liabilities	$5,299,431
Net Assets	$6,379,916

Compensation

Key Employees and Officers	Compensation	Related	Other
Dian Sodano (Vp Lending)	$112,218	$0	$11,853
Jorge Vega (Vp Realty)	$103,820	$0	$16,144
Gabe Del Rio (Coo)	$91,394	$45,015	$3,564
Susan M Reynolds (President/Ceo)	$56,164	$114,029	$23,149
Brian Kay (Cfo)	$44,702	$90,760	$21,181
Stephen Baker (Treasurer)	$0	$0	$0
Karen Bucey (Secretary)	$0	$0	$0

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990

Filed on Sept. 17, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

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990-T

For unrelated business income from activities not substantially related to the organization's tax-exempt purpose

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Fiscal Year Ending Dec.
2012

Revenue

$3,684,198

Expenses

$3,275,618

Net Income

$408,580

Net Assets

$6,172,233

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$1,752,034	47.6%
Program Services	$1,932,072	52.4%
Investment Income	$92	0.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$187,971	5.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$1,393,356	42.5%

Assets/Debt
Total Assets	$13,409,978
Total Liabilities	$7,237,745
Net Assets	$6,172,233

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

990-T

For unrelated business income from activities not substantially related to the organization's tax-exempt purpose

PDF

Fiscal Year Ending Dec.
2011

Revenue

$3,623,820

Expenses

$2,717,569

Net Income

$906,251

Net Assets

$5,763,653

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$140,000	3.9%
Program Services	$3,480,784	96.1%
Investment Income	$2,769	0.1%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$0
Net Inventory Sales	$0
Other Revenue	$267	0.0%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$68,464	2.5%
Professional Fundraising Fees	$0
Other Salaries and Wages	$829,275	30.5%

Assets/Debt
Total Assets	$14,284,093
Total Liabilities	$8,520,440
Net Assets	$5,763,653

990

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

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Raw filing data. Includes EINs and summary financials as structured data.
Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
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Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
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Updated December 20, 2024

Springboard Cdfi

Organization summary

Type of Nonprofit

Summary charts: organization finances over time

Revenue $225k (2023)

Expenses $402k (2023)

Total Assets $9.64M (2023)

Total Liabilities $1.16M (2023)

Tax Filings by Year

Fiscal Year Ending Dec. 2023

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2022

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2021

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2020

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2019

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2018

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2017

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2016

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2015

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2014

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

990-T

Fiscal Year Ending Dec. 2013

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

990-T

Fiscal Year Ending Dec. 2012

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

Revenue

$225k (2023)

Expenses

$402k (2023)

Total Assets

$9.64M (2023)

Total Liabilities

$1.16M (2023)

Fiscal Year Ending Dec.
2023

Fiscal Year Ending Dec.
2022

Fiscal Year Ending Dec.
2021

Fiscal Year Ending Dec.
2020

Fiscal Year Ending Dec.
2019

Fiscal Year Ending Dec.
2018

Fiscal Year Ending Dec.
2017

Fiscal Year Ending Dec.
2016

Fiscal Year Ending Dec.
2015

Fiscal Year Ending Dec.
2014

Fiscal Year Ending Dec.
2013

Fiscal Year Ending Dec.
2012

Fiscal Year Ending Dec.
2011

Fiscal Year Ending Dec.
2010

Fiscal Year Ending Dec.
2009

Fiscal Year Ending Dec.
2008

Fiscal Year Ending Dec.
2007

Fiscal Year Ending Dec.
2006

Fiscal Year Ending Dec.
2005

Fiscal Year Ending Dec.
2004

Fiscal Year Ending Dec.
2003

Fiscal Year Ending Dec.
2002

Fiscal Year Ending June
2002

Fiscal Year Ending June
2001