GREAT RIVERS COMMUNITY TRUST | THE EBA FUND

SAINT LOUIS, MO | St. Louis city
Economic Development
GREAT RIVERS COMMUNITY TRUST | THE EBA FUND
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As of , this nonprofit no longer meets findCRA's qualification requirements and will no longer appear in CQ search results.

Reason for disqualification:

Overview

GREAT RIVERS COMMUNITY TRUST | THE EBA FUND
43-1925293
1023 N GRAND BLVD
SAINT LOUIS, MO 63106
St. Louis city
(407) 405-6292

info@ebafund.org
Mission Statement info

THE MISSION OF EBA FUND IS TO INCREASE THE FLOW OF CAPITAL TO LMI ENTREPRENEURS AND BUSINESS OWNERS OF COLOR BY STRENGTHENING THE FINANCIAL POSITION OF CDFI MICROLENDERS THROUGH THE CREATION AND ONGOING DEVELOPMENT OF A SECONDARY MARKET FOR CDFI MICROLOANS. CDFI MICROLENDERS PLAY A PIVOTAL ROLE IN SERVING UNDER-FINANCED SMALL BUSINESSES, ESPECIALLY THOSE LED BY PEOPLE OF COLOR AND WOMEN. EBA FUND IS DRIVEN BY THREE KEY OBJECTIVES: HELP THE STRONGEST MICROLENDERS GROW, STRENGTHEN INCENTIVES FOR CDFIS TO ENTER THE MICROLENDING MARKET OR EXPAND THEIR MICROLENDING PORTFOLIOS, AND ENSURE THAT CDFI MICROLENDERS ARE POSITIONED TO STEP INTO THE CAPITAL GAPS CREATED DURING RECESSIONARY ENVIRONMENTS.

CRA Category info
  • Economic Development
Nonprofit location info
  • LMI Census Tract
  • Majority Minority Census Tract
  • Opportunity Zone
Awards & Certifications info
  • CDFI Organization
  • CDFI Award Recipient
Founded info
Not reported
Total Employees info
Not reported
Total Volunteers info
Not reported
Nonprofit Classification (NTEE Code) info
B99

B - Educational Institutions

Education N.E.C.

Use this code for organizations that clearly provide education services where the major purpose is unclear cannot be accurately assigned.

IRS Activity Codes info
-
Not reported
-
Not reported
-
Not reported
Standard Business Classification (NAICS Code) info
611000
Elementary and Secondary Schools
Targeted Clients info
  • Economically Disadvantaged
  • Entrepreneurs
  • Minority Individuals
  • Small Businesses
  • Women
CRA Income Characteristics info
    This nonprofit has claimed its profile but has not yet provided this information.

CRA Alignment

CRA Category info
Economic Development
Workforce development, job training, and small business or startup support.
What does it mean for a nonprofit to be CRA aligned?
Each nonprofit on Community Qualifier has been reviewed by findCRA utilizing a dual evaluation process. Nonprofits are first evaluated by our proprietary algorithm, CRANIA, and then further validated by our CRA experts. When nonprofit passes both parts of this review, we create a nonprofit profile for them on Community Qualifier. From there, a nonprofit can claim their profile and add additional information including their programs & services, counties served, targeted clients and income groups and more.
Programs & Services info

Not reported by nonprofit


This nonprofit has claimed its profile but has not yet provided this information.
Awards & Certifications info
Community Development Financial Institution info
Date Certified info
9/17/2013
Native American CDFI info
N
Financial Institution Type info
Loan Fund
Community Development Financial Institution Award Recipient info
New Market Tax Credit Recipient info
YearAmountProgramAwardee Name
2017 $1,006,905 CDFI Financial Assistance open_in_new Great Rivers Community Capital, Incorporated
2018 $1,125,000 CDFI Financial Assistance open_in_new Great Rivers Community Capital, Incorporated
2019 $714,000 CDFI Financial Assistance open_in_new Great Rivers Community Capital, Incorporated
2020 $887,500 CDFI Financial Assistance open_in_new Great Rivers Community Capital, Incorporated
2021 $1,826,265 CDFI Rapid Response Program (COVID-19) open_in_new Great Rivers Community Capital, Incorporated
2019 $202,000 Disability Funds Financial Assistance open_in_new Great Rivers Community Capital, Incorporated
2020 $268,750 Disability Funds Financial Assistance open_in_new Great Rivers Community Capital, Incorporated
2021 $414,540 Small Dollar Loan Program open_in_new Great Rivers Community Capital, Incorporated

Includes CDFI Fund awards granted between January 2013 and December 2023

HUD Counseling Agency info
Low Income Housing Tax Credit Recipient info

IRS Summary

Income
$4.8M
Revenue
$4.8M
Assets
$10.3M

IRS Business Master File Details info

As of March 2024
Exempt Ruling Date info
2001-09
Deductibility Status info
Deductible
Last Tax Filing info
2022
Organization Type info
Corporation
Organization Tax Filing Status info
990 (all other) or 990EZ return
Foundation Tax Filing Status info
990-PF not required by IRS
Affiliation Classification info
Independent Organization
Basis for Foundation/Public Charity Status info
Organization which receives a substantial part of its support from a governmental unit or the general public 170(b)(1)(A)(vi)

IRS Publication 78 Details info

As of March 2024
Verified in Publication 78 info
Yes
Deductibility Limitation info
50% (60% for cash contributions)
Organization Description info
A public charity

IRS Form 990 Returns info

Through August 2023
Tax period ending in
2022-03
E-File
990
XML
990
Tax period ending in
2021-03
E-File
990
XML
990
Tax period ending in
2015-12
PDF
990

Nonprofit Location

Physical Address info
1023 N GRAND BLVD
SAINT LOUIS, MO 63106
St. Louis city
Area Type info
Metropolitan Statistical Area
FIPS Geocoded Address info
41180
MSA/MD info
29
State info
510
County info
1111.00
Tract info
Moderate
Income Level info
Core-Based Statistical Area info
41180 - St. Louis, MO-IL
Combined Statistical Area info
476 - St. Louis-St. Charles-Farmington, MO-IL
Metropolitan Division info
Not located in an MD.
Located In info
Low- or Moderate-Income Census Tract info
Opportunity Zone info
Majority Minority Census Tract info 96.91%
FFIEC Designated Distressed Census Tract info
FFIEC Underserved Census Tract info
Geographies Served info

Not reported by nonprofit


This nonprofit has claimed its profile but has not yet provided this information.

Market Data

Census Tract County
1111.00 St. Louis city
Population
Total Population 1,874 298,018
Total Households 867 143,059
Income
Median Family Income (Census*) $51,034 $52,941
Median Family Income (2023 FFIEC est.) $100,800 $100,800
Tract Income Percentage 60.21% N/A
Below Poverty Level 26.1% 20.2%
Unemployment Level 12.8% 5.4%
Housing
Total Housing Units 1,089 173,792
Total Owner-Occupied Units 19.4% 44.9%
Total Renter-Occupied Units 60.2% 55.1%
Total Vacant Units 20.4% 10.9%
* Census tract income based on 2020 American Community Survey data as reported in the 2023 FFIEC Census Flat File; County income based on 2022 American Community Survey data.
View more than 200 performance context data points for this county now.

Management

7
Total Voting Members
in Governing Body info
7
Independent Voting Members
in Governing Body info
Tax Filing Signatory info
Robert Villarreal
(812) 764-0097
Principal Officer info
Robert Villarreal
findCRA Profile Owner
Chelsea Probus
Relationship Manager
chelsea@ebafund.org
Key Policies & Documents info
Written Conflict of Interest Policy
Written Document Retention & Destruction Policy
Written Whistleblower Policy
CEO Compensation Review Process
Written Minutes of Board Meetings
Financial Statements & Reporting info
Compiled or Reviewed by an Independent Accountant
Audited by an Independent Accountant
Included in Consolidated Financial Statements
Internal Audit Committee Review
Federal Grant Audit Required
Federal Grand Audit Performed
Organization Activities info
Provides Credit Counseling
Conducts Gaming Activities
Engages in Lobbying Activities
Engages in Political Activities
Makes Grants to Individuals
Makes Grants to Organizations

Information in this section is extracted from the nonprofit's e-filed tax return and based on answers provided by the nonprofit in their 990 e-filed for the tax period ending on 2022-03.

A hyphen (“-“) in this section indicates that the information was not required by the IRS or not reported by the nonprofit in its tax return e-filing.

This Nonprofit Profile was created using data available from publicly available government and industry sources, our own research, and information provided directly the nonprofit organization. Whenever possible, we utilize the most recent information available including information as made public by the Internal Revenue Service, U.S. Census Bureau, Federal Financial Institutions Examination Council, and more. The format and design of this Nonprofit Profile is ©findCRA. For more information about our Nonprofit Profiles, please visit help.findcra.com.