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National Association for Latino Community Asset Builders

EIN 20-0774672 · San Antonio, TX

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthGood70 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

NALCAB STRENGTHENS THE ECONOMY BY ADVANCING ECONOMIC MOBILITY IN LATINO COMMUNITIES.

Income
$15.4 million
Spending
$11.9 million
Spent on programs
72%
Reserves
5.2 months of spending
Largest source of income
donations and private grants, 68%
Employees
65
Volunteers
13
Highest pay
$370,326, president & ceo

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Good: 70 out of 100. Higher than 57% of charities in its peer group (community improvement, $10m to $100m).

  • Reserves

    20 of 35

    Spendable reserves would cover 5.2 months of spending.

  • Debt

    5 of 20

    It owes 51% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 23% of income.

  • Income trend

    15 of 15

    Income rose 57% on the year before.

  • Spending floor

    15 of 15

    72% of spending went to programs and raising each dollar of donations cost 2 cents.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 100 out of 100. Higher than 42% of charities in its peer group (community improvement, $10m to $100m).

  • Independent board

    25 of 25

    13 of 13 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (4)
  1. $6.9 million spent. ORGANIZATIONAL CAPACITY BUILDING - AS A US TREASURY-CERTIFIED CDFI LENDER AND GRANTMAKER, NALCAB STRENGTHENS, COORDINATES, AND BUILDS THE SYSTEMS AND CAPACITY OF ITS NATIONAL NETWORK MEMBERS, OTHER NONPROFITS, AND GOVERNMENT PARTNERS TO ADVANCE ECONOMIC MOBILITY IN COMMUNITIES ACROSS THE UNITED STATES, WITH A PARTICULAR FOCUS ON LOW- AND MODERATE-INCOME LATINO COMMUNITIES. NALCAB CREATES CAPITAL, CAPACITY, COLLECTIVE VOICE, AND COMMUNITY BY INCREASING ACCESS TO GRANTS AND INVESTMENT CAPITAL; UNLOCKING ACCESS TO TECHNICAL ASSISTANCE RESOURCES; SHARING RESEARCH TO IMPROVE ORGANIZATIONAL EFFECTIVENESS AND RESOURCES; CREATING AND STRENGTHENING ASSET-BUILDING PRACTITIONER PEER NETWORKS; USING CULTURALLY RELEVANT TRAINING TO DEVELOP LEADERS IN THE ASSET-BUILDING FIELD; AND DEVELOPING A STRATEGIC NATIONAL VOICE FOR MORE THAN 200 ORGANIZATIONS AND THE COMMUNITIES THEY SERVE. THESE ACTIVITIES STRENGTHEN LOCAL LEADERSHIP, EXPAND OPPORTUNITY FOR FAMILIES AND ENTREPRENEURS, AND CONTRIBUTE TO STRONGER LOCAL ECONOMIES AND A MORE PROSPEROUS NATION.
  2. $484,934 spent. POLICY EDUCATION AND FIELD BUILDING - THE POLICY ADVOCACY AND FIELD-BUILDING PROGRAM PROVIDES MEMBERS AND DECISION-MAKERS WITH RESEARCH, POLICY EDUCATION, AND ADVOCACY EFFORTS TO INFLUENCE PRIVATE, PHILANTHROPIC, AND GOVERNMENTAL INVESTORS TO RESPONSIBLY MEET THE ASSET-BUILDING NEEDS AND OPPORTUNITIES OF LOW- AND MODERATE INCOME COMMUNITIES. THROUGH NALCAB'S SUPPORT AND THE BENEFIT OF THE COLLECTIVE NALCAB NETWORK, MEMBERS MAY DEVELOP AND ADVOCATE FOR POLICY STRATEGIES THAT SERVE THEIR COMMUNITIES AT THE LOCAL, STATE, AND FEDERAL LEVELS. NALCAB PUBLISHES RESEARCH AND CASE STUDIES ON ISSUES SUCH AS SMALL BUSINESS GROWTH IN LATINO COMMUNITIES, HOUSING STABILITY, AND PLACE-BASED ECONOMIC INVESTMENT. THESE ACTIVITIES STRENGTHEN THE FIELD OF ASSET BUILDING, ENHANCE THE VISIBILITY OF COMMUNITY-BASED ORGANIZATIONS, AND CONTRIBUTE TO A MORE RESILIENT AND PROSPEROUS NATIONAL ECONOMY.
  3. $1.1 million spent. LENDING AND ASSET MANAGEMENT - AS A U.S. TREASURY-CERTIFIED CDFI AND INTERMEDIARY LENDER, NALCAB PROVIDES CULTURALLY RELEVANT FINANCIAL PRODUCTS AND SERVICES THAT EXPAND ACCESS TO CAPITAL AND ADVANCE ECONOMIC MOBILITY IN COMMUNITIES ACROSS THE UNITED STATES, WITH A PARTICULAR FOCUS ON LATINO AND LOW- AND MODERATE-INCOME COMMUNITIES THAT FACE BARRIERS TO INVESTMENT. NALCAB SUPPLIES ITS MEMBERS AND BORROWERS WITH CAPITAL, LIQUIDITY, AND SCALE TO FINANCE AFFORDABLE HOUSING, SUPPORT SMALL-BUSINESS GROWTH, AND STRENGTHEN FAMILY FINANCIAL CAPABILITY. OFFERINGS INCLUDE COMMERCIAL REAL-ESTATE LOANS, SMALL-BUSINESS LOAN CAPITAL, AFFORDABLE-HOUSING PROJECT LOANS, LOAN PARTICIPATION FINANCING, LOAN GUARANTEES, AND BLENDED PACKAGES THAT COMBINE LENDING WITH TECHNICAL ASSISTANCE OR GRANTS. LENDING CAPITAL IS SOURCED FROM REVENUES, CASH RESERVES, PRIVATE PHILANTHROPY, BANK FINANCING, THE CDFI FUND, AND THE US HUD, INCLUDING THE RURAL CAPACITY BUILDING PROGRAM. ESCALERA COMMUNITY INVESTMENTS, LLC (ESCALERA), AN ASSET MANAGEMENT COMPANY OWNED BY NALCAB, MANAGES TWO MISSION-DRIVEN INVESTMENT VEHICLES: NALCAB CATALYST FUND I, LLC (THE CATALYST FUND AND THE ACCESO LOAN FUND, LLC (ACCESO). THE CATALYST FUND TARGETS AND OPERATES INVESTMENTS IN SINGLE- AND MULTIFAMILY PROJECTS THAT PROVIDE HOUSEHOLDS WITH ACCESS TO EMPLOYMENT, QUALITY EDUCATION, AND HEALTHCARE RESOURCES, ALL ESSENTIAL FACTORS FOR ADVANCING ECONOMIC MOBILITY. ACCESO IS A NATIONAL SMALL BUSINESS LOAN FUND THAT SUPPORTS GROWTH-ORIENTED LENDING TO DESIGNED TO STRENGTHEN THE CAPACITY OF COMMUNITY-BASED, LATINO-LED NONPROFIT LENDERS BY PROVIDING GROWTH CAPITAL THAT ENABLES THEM TO SERVE MORE ENTREPRENEURS IN UNDERCAPITALIZED MARKETS. THESE INVESTMENTS EXPAND ACCESS TO RESPONSIBLE CAPITAL, PROMOTE SMALL-BUSINESS DEVELOPMENT AND HOUSING STABILITY, AND SUPPORT LONG-TERM COMMUNITY WEALTH-BUILDING AND NATIONAL ECONOMIC PROSPERITY.
  4. $128,903 spent. MEMBERSHIP -MEMBERSHIP ACTIVITIES INCLUDE RECRUITMENT, OUTREACH, DUES MANAGEMENT, AND STEWARDSHIP OF NALCAB'S NATIONAL NETWORK OF NONPROFIT ORGANIZATIONS. THESE EFFORTS STRENGTHEN RELATIONSHIPS, FOSTER COLLABORATION, AND CONNECT MEMBERS WITH RESOURCES THAT ADVANCE THEIR ORGANIZATIONAL CAPACITY AND IMPACT. ACTIVITIES MAY INCLUDE TECHNICAL ASSISTANCE OR TROUBLESHOOTING PROVIDED BY STAFF OUTSIDE OF SPECIFIC PROGRAM OR GRANT ENGAGEMENTS. RELATED COSTS INCLUDE CLIENT-RELATIONSHIP-MANAGEMENT SOFTWARE AND REGIONAL CONVENINGS OF MEMBERS WITHIN SHARED GEOGRAPHIES.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated September 30, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated September 10, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending December 2024.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since November 2004.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 7, 2026.

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