Pacific Community Fund

Nonprofit profile at a glance

EIN
331095784
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Daly City, CA, USA
Phone
6509520522
Rating
73
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Human Service Organizations

Official website

Reported finances

Revenue
$1,751,974
Expenses
$2,675,563
Assets
$9,429,290
Liabilities
$3,868,308

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

8 people listed

Executive titles in this filing

  • FILIBERTO GONZALEZ (CEO)

Highest reported compensation

  • FILIBERTO GONZALEZ (CEO): $190,008 total reported compensation
  • CRISMEL DIMACALI (CFO): $78,741 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Pcf's mission is to be the preferred conduit of low & moderate income families. This includes, but is not limited, to increasing sustainable and responsible homeownership and outreach for small business development, minorities, and veterans; advocating and creating homeownership opportunities for low-to-moderate-income persons and families; and advocating for communities on a broad range of consumer issues before governmental bodies.

What it reported doing in 2025

Housing counseling and home buying education and community involvement, pcf 501(c)(3) currently provides financial education and homebuyer education counselling to first time homebuyers under the wish and other down payment assistance programs sponsored by various banks and the city of san diego. Pcf small business center is a us department of treasury-certified community development financial institution (cdfi) mission-driven to provide access to basic financial services, affordable credit, and investment capital to low-income borrowers who have historically been left out of traditional banking services. We provide guidance online to prospective loan applicants who have problems qualifying for traditional loans. Guidance may include determining the best type of loan program that is suited for their business. Conduct critical workshops to business owners in a way that is scalable and effective to business owners when ideal. The topics will be led by subject matter experts in the areas of business planning, sources of credit, financial presentation, and business model changes. Lead borrowers to resources that are provided to reputable agencies such as the sba, women business centers, small business development companies, and veteran centers. Pursuit of strategic opportunities for a particular business or group that create mutual and effective and profitable relations.

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. A relatively small share of total spending goes to programs and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 67
  • Transparency & Controls: 79
  • Accountability: 100
  • Sustainability: 30
  • Growth: 20

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 87.3%; rating input score 87
  • Program expense ratio: 55.8%; rating input score 56
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: 3 of 6 controls in place; rating input score 50
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Pass
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 9 of 9 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -52.7%; rating input score 2; 2nd percentile among comparable filings
  • Total-asset coverage ratio: 3.52; rating input score 78; 78th percentile among comparable filings
  • Liabilities to assets ratio: 0.41; rating input score 15; 15th percentile among comparable filings
  • Officer compensation ratio: 10%; rating input score 37; 37th percentile among comparable filings

Growth

  • Program expense growth: -15.3% per year; rating input score 0; 3rd percentile among comparable filings
  • Revenue growth: -2.4% per year; rating input score 0; 6th percentile among comparable filings
  • Asset growth: 11.1% per year; rating input score 100; 59th percentile among comparable filings

Details

  • Where the money goes: 87.3% of revenue deployed · 55.8% of spending went to programs
  • Governance: 5 of 5 board members independent · 9 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $1.5M in reported program spending
  • Leadership: top reported pay $190K · 8 people listed · 3 of 6 pay-setting controls reported
  • Highest-paid contractors: 2 contractors listed · $337K reported
  • Consistency: 31 of 31 current checks pass
  • Schedules: 6 filed schedules · includes major donors and executive pay
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 2 filed money-flow records
  • Related organizations: 1 filed related-organization link
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

Grant-readiness screening is separate from the live rating, not a measure of program quality. Review the source records before making a grant decision.

  • Review — Financial Efficiency: Program expense ratio scored 56/100.
  • High — Sustainability: Operating margin scored 2/100.
  • High — Growth: Program expense growth scored 0/100.
  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Liabilities to assets ratio scored 15/100.
  • Moderate — Sustainability: Officer compensation ratio scored 37/100.
  • High — Grant Readiness: Federal audit findings: this organization reported findings in its latest federal Single Audit.