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Community Development Bankers Association Cdba

EIN 73-1688515 · Washington, DC

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

LegitimacyPassesRegistration and standingFinancial healthStrong96 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

THE MISSION OF THE COMMUNITY DEVELOPMENT BANKERS ASSOCIATION IS TO FURTHER THE REBUILDING OF LOW INCOME COMMUNITIES VIA EDUCATING THE FINANCIAL SERVICES INDUSTRY, INCLUDING SOCIALLY MOTIVATED INVESTORS AND COMMUNITY DEVELOPMENT BANKS, IN REGARDS TO THE CREDIT AND FINANCIAL SERVICE NEEDS OF THESE COMMUNITIES.

Income
$1.4 million
Spending
$1.3 million
Spent on programs
84%
Reserves
14.4 months of spending
Largest source of income
donations and private grants, 70%
Employees
0

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

Strong: 96 out of 100. Higher than 88% of charities in its peer group (community improvement, $1m to $10m).

  • Reserves

    35 of 35

    Spendable reserves would cover 14.4 months of spending.

  • Debt

    16 of 20

    It owes 19% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 6% of income.

  • Income trend

    15 of 15

    Income rose 19% on the year before.

  • Spending floor

    15 of 15

    84% of spending went to programs and raising each dollar of donations cost 0 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 68% of charities in its peer group (community improvement, $1m to $10m).

  • Independent board

    25 of 25

    14 of 14 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.

  • 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 (1)
  1. $1.1 million spent. THE COMMUNITY DEVELOPMENT BANKERS ASSOCIATION IS THE VOICE AND CHAMPION OF THE COMMUNITY DEVELOPMENT BANKING INDUSTRY. WE EDUCATE POLICYMAKERS, REGULATORS, AND LEGISLATORS ON THE IMPORTANCE OF COMMUNITY DEVELOPMENT BANKS WITH A MISSION TO SERVE LOW- AND MODERATE-INCOME COMMUNITIES. THROUGH OUR ADVOCACY, THESE CONSTITUENCIES GAIN A CLEAR PERSPECTIVE ON THE CIRCUMSTANCES UNDER WHICH OUR MEMBERS OPERATE AND THE NEEDS OF THE COMMUNITIES THEY SERVE. CDBA ALSO LEADS THE GROWTH AND DEVELOPMENT OF THE SECTOR THROUGH PROGRAMMING AND INFORMATION-SHARING FOCUSED ON BUILDING HEALTHY INSTITUTIONS THAT HAVE THE CAPACITY TO PROMOTE ACCESS TO CAPITAL AND FINANCIAL SERVICES IN THEIR COMMUNITIES. THESE INCLUDE WEBINARS, IN-PERSON MEETINGS, NEWSLETTERS, DATA SOURCES, AND OUR ANNUAL CONFERENCE, THE CDBA PEER FORUM. TOGETHER, THESE CHANNELS HELP US EDUCATE OUR MEMBER BANKS ABOUT THE RESOURCES AVAILABLE TO THEM IN FURTHERING THEIR SHARED COMMUNITY DEVELOPMENT MISSION. THE COMMUNITY DEVELOPMENT BANKERS ASSOCIATION IS THE VOICE AND CHAMPION OF THE COMMUNITY DEVELOPMENT BANKING INDUSTRY. WE EDUCATE POLICYMAKERS, REGULATORS, AND LEGISLATORS ON THE IMPORTANCE OF COMMUNITY DEVELOPMENT BANKS WITH A MISSION TO SERVE LOW- AND MODERATE-INCOME COMMUNITIES. THROUGH OUR ADVOCACY, THESE CONSTITUENCIES GAIN A CLEAR PERSPECTIVE ON THE CIRCUMSTANCES UNDER WHICH OUR MEMBERS OPERATE AND THE NEEDS OF THE COMMUNITIES THEY SERVE. CDBA ALSO LEADS THE GROWTH AND DEVELOPMENT OF THE SECTOR THROUGH PROGRAMMING AND INFORMATION-SHARING FOCUSED ON BUILDING HEALTHY INSTITUTIONS THAT HAVE THE CAPACITY TO PROMOTE ACCESS TO CAPITAL AND FINANCIAL SERVICES IN THEIR COMMUNITIES. THESE INCLUDE WEBINARS, IN-PERSON MEETINGS, NEWSLETTERS, DATA SOURCES, AND OUR ANNUAL CONFERENCE, THE CDBA PEER FORUM. TOGETHER, THESE CHANNELS HELP US EDUCATE OUR MEMBER BANKS ABOUT THE RESOURCES AVAILABLE TO THEM IN FURTHERING THEIR SHARED COMMUNITY DEVELOPMENT MISSION.

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 March 2005.

    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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