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← CALIFORNIA ASSOCIATION FOR MICROENTERPRISE OPPORTUNITY

Form 990 for tax year 2024

Filed by CALIFORNIA ASSOCIATION FOR MICROENTERPRISE OPPORTUNITY.

Totals

Total revenue
$6,177,837
Total expenses
$5,946,542
Contributions and grants received
$5,606,868
Grants paid
$1,112,605
Program service revenue
$251,655
Investment income
$319,314
Other revenue
$0
Total assets, end of year
$7,914,028
Total liabilities, end of year
$3,863,555
Net assets or fund balances, end of year
$4,050,473
Program services expenses (Part IX)
$4,836,359
Management and general expenses
$879,339
Fundraising expenses
$230,844
Program service expenses (Part III)
$4,836,359

Program services were 81.3% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Revenue

Part VIII, the statement of revenue.

  • 1e · Government grants (contributions)

    $3,418,213

  • 1f · All other contributions, gifts and grants

    $2,188,655

  • 2a · Program service revenue: PROGRAM FEES

    total $158,341 · related or exempt $158,341

  • 2b · Program service revenue: MEMBERSHIP DUES

    total $93,314 · related or exempt $93,314

  • 3 · Investment income

    total $319,314 · related or exempt $20,895 · excluded $298,419

Functional expenses

Part IX, the statement of functional expenses.

  • 1 · Grants to domestic organizations and governments

    total $453,605 · program services $453,605

  • 2 · Grants to domestic individuals

    total $659,000 · program services $659,000

  • 5 · Compensation of officers, directors and key employees

    total $883,745 · program services $618,622 · management and general $185,586 · fundraising $79,537

  • 7 · Other salaries and wages

    total $681,834 · program services $477,283 · management and general $143,186 · fundraising $61,365

  • 8 · Pension plan contributions

    total $53,621 · program services $37,535 · management and general $11,260 · fundraising $4,826

  • 9 · Other employee benefits

    total $103,319 · program services $72,323 · management and general $21,697 · fundraising $9,299

  • 10 · Payroll taxes

    total $112,683 · program services $78,879 · management and general $23,663 · fundraising $10,141

  • 11c · Fees: accounting

    total $22,380 · management and general $22,380

  • 11g · Fees: other

    total $2,642,411 · program services $2,355,775 · management and general $235,636 · fundraising $51,000

  • 13 · Office expenses

    total $32,887 · program services $10,579 · management and general $14,854 · fundraising $7,454

  • 16 · Occupancy

    total $23,708 · management and general $23,708

  • 17 · Travel

    total $71,970 · program services $50,379 · management and general $15,114 · fundraising $6,477

  • 19 · Conferences, conventions and meetings

    total $125,707 · program services $648 · management and general $125,059

  • 20 · Interest

    total $15,938 · program services $15,938

  • 23 · Insurance

    total $10,919 · program services $2,782 · management and general $7,779 · fundraising $358

  • 24a · Other expenses: DUES, FEES AND OTHER CH

    total $42,884 · program services $3,011 · management and general $39,486 · fundraising $387

  • 24b · Other expenses: STAF DEVELOPMENT

    total $9,931 · management and general $9,931

Balance sheet

Part X, book values.

  • 1 · Cash, non-interest-bearing

    beginning of year $262,047 · end of year $659,495

  • 2 · Savings and temporary cash investments

    beginning of year $8,096,437 · end of year $6,494,713

  • 3 · Pledges and grants receivable

    beginning of year $126,779 · end of year $0

  • 4 · Accounts receivable

    beginning of year $7,650 · end of year $121,436

  • 7 · Other notes and loans receivable

    beginning of year $588,000 · end of year $588,000

  • 9 · Prepaid expenses and deferred charges

    beginning of year $9,126 · end of year $23,587

  • 10a · Land, buildings and equipment: cost or other basis

    $4,076

  • 10b · Land, buildings and equipment: accumulated depreciation

    $4,076

  • 10c · Land, buildings and equipment, net

    beginning of year $0 · end of year $0

  • 15 · Other assets

    beginning of year $16,567 · end of year $26,797

  • 17 · Accounts payable and accrued expenses

    beginning of year $155,488 · end of year $397,029

  • 18 · Grants payable

    beginning of year $242,832 · end of year $386,330

  • 19 · Deferred revenue

    beginning of year $8,150 · end of year $0

  • 24 · Unsecured notes and loans payable

    beginning of year $500,000 · end of year $800,000

  • 25 · Other liabilities

    beginning of year $4,380,958 · end of year $2,280,196

  • 27 · Net assets without donor restrictions

    beginning of year $1,635,030 · end of year $1,892,364

  • 28 · Net assets with donor restrictions

    beginning of year $2,184,148 · end of year $2,158,109

Mission and programs · 2024

Mission

TO GROW A THRIVING ECOSYSTEM OF SUPPORT FOR UNDERSERVED ENTREPRENEURS WHERE ALL ENTREPRENEURS HAVE ACCESS TO THE RESOURCES THEY NEED TO SUCCEED, CREATING FAMILY ECONOMIC MOBILITY AND COMMUNITY PROSPERITY.

  • CALIFORNIA ASSOCIATION FOR MICROENTERPRISE OPPORTUNITY ("CAMEO") IS AN ASSOCIATION OF ORGANIZATIONS, AGENCIES, AND INDIVIDUALS DEDICATED TO FURTHERING MICRO ENTERPRISE DEVELOPMENT IN CALIFORNIA AND NATIONALLY. CAMEO WAS FORMED IN CALIFORNIA IN 1993 AS A PUBLIC BENEFIT CORPORATION. CAMEO'S MISSION IS TO INCREASE OPPORTUNITIES FOR LOW-INCOME PEOPLE AND COMMUNITIES BY BUILDING CAPACITY FOR MICRO ENTERPRISE ORGANIZATIONS. CAMEO BUILDS CAPACITY OF PRACTITIONER ORGANIZATIONS TO BETTER MEET CUSTOMER NEEDS AND IMPROVE THE WORKING ENVIRONMENT FOR MICRO ENTERPRISE BY EDUCATING THE PUBLIC AND ADVOCATING ON BEHALF OF MICRO ENTERPRISE DEVELOPMENT.CAMEO EXPANDS RESOURCES AND BUILDS CAPACITY FOR ITS MEMBER ORGANIZATIONS WHO ARE PROVIDING ENTREPRENEURS WITH SMALL BUSINESS TRAINING, BUSINESS FINANCING AND TECHNICAL ASSISTANCE - COACHING, CAPITAL ASSISTANCE AND NETWORKING. CAMEO ADVOCATES FOR PUBLIC POLICIES THAT SUPPORT THE BUSINESS SECTOR AND BUILDS PUBLIC AWARENESS OF ITS ECONOMIC IMPACTS THROUGH THE FOLLOWING PROGRAM CATEGORIES: CAPACITY BUILDING CAMEO BUILDS INDUSTRY CAPACITY SO THAT UNDERSERVED ENTREPRENEURS HAVE ACCESS TO THE TOOLS AND SUPPORT THEY NEED TO THRIVE. THIS INCLUDES SAFE, FLEXIBLE SMALL BUSINESS CAPITAL; CULTURALLY COMPETENT SMALL BUSINESS DEVELOPMENT SERVICES, RESOURCES, AND REFERRALS; AND A PROFESSIONAL INDUSTRY AND ECOSYSTEM THAT CAN RESPOND TO COMMUNITY CONTEXT AND LOCAL NEEDS.COMMUNITY BUILDING CAMEO FOCUSES ON BUILDING COMMUNITY SO THAT ENTREPRENEURS CAN MORE EASILY NAVIGATE THEIR LOCAL SMALL BUSINESS ECOSYSTEMS TO FIND THE SUPPORT AND SOLUTIONS THEY NEED. CAMEO AIMS TO ENSURE THAT LOCAL SERVICES ARE TRUSTED, COMMUNITY-FOCUSED, HIGH-QUALITY, AND ALIGNED WITH INDUSTRY STANDARDS. CAMEO'S GOAL IS FOR ENTREPRENEURS TO FEEL SUPPORTED BY A COLLABORATIVE SERVICE NETWORK THAT IS GENUINELY INVESTED IN THEIR LONG-TERM SUCCESS.BUILD POWER CAMEO BUILDS POWER TO ENSURE ENTREPRENEURS ARE REPRESENTED AND SUPPORTED IN MEANINGFUL WAYS. THIS INCLUDES AMPLIFYING THEIR VOICES IN POLICY DEBATES THAT AFFECT THEIR ABILITY TO START AND GROW BUSINESSES, FOSTERING A COLLABORATIVE SERVICE NETWORK THAT ADVOCATES FOR EQUITABLE AND ACCESSIBLE SMALL BUSINESS OWNERSHIP, AND ENSURING THAT POLICYMAKERS RECOGNIZE THE VITAL ROLE ENTREPRENEURS PLAY IN THE ECONOMY AND PRIORITIZE THEIR NEEDS ACCORDINGLY.

    Expenses $4,836,359 · Grants $1,112,605 · Revenue $570,969

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Listed in Part VII

  • Carolina Martinez

    CEO

    Total calculated
    $309,935
    From this org
    $283,922
    From related orgs
    $0
    Other
    $26,013
    Hours/week
    35

    Schedule J breakdown matched by us

    Base
    $283,922
    Bonus
    $0
    Other
    $0
    Deferred
    $11,356
    Nontaxable benefits
    $14,657
    Filer's total
    $309,935

  • Naima McQueen

    SECRETARY

    Total calculated
    $0
    Hours/week
    2

  • Randi Zeller

    TREASURER

    Total calculated
    $0
    Hours/week
    2

  • Jesse Torres

    CHAIR

    Total calculated
    $0
    Hours/week
    2

  • Horacio Mendez

    VICE CHAIR

    Total calculated
    $0
    Hours/week
    2

  • Brett Melone

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Daniel Fitzgerald

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Hilda Kennedy

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Joshua Danielson

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Juan Aquino

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Julian Canete

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Louis Caditz-Peck

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Sophia Kanaan

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Vikita Poindexter

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Yery Olivares

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • Emily Gasner

    CPO

    Total calculated
    $128,192
    From this org
    $118,223
    From related orgs
    $0
    Other
    $9,969
    Hours/week
    35

    Schedule J breakdown matched by us

    Base
    $118,223
    Bonus
    $0
    Other
    $0
    Deferred
    $4,728
    Nontaxable benefits
    $5,241
    Filer's total
    $128,192

  • Mark Herbert

    COO

    Total calculated
    $229,210
    From this org
    $210,688
    From related orgs
    $0
    Other
    $18,522
    Hours/week
    35

    Schedule J breakdown matched by us

    Base
    $210,688
    Bonus
    $0
    Other
    $0
    Deferred
    $5,971
    Nontaxable benefits
    $12,551
    Filer's total
    $229,210

  • Baldev Birk

    CFO

    Total calculated
    $150,607
    From this org
    $132,987
    From related orgs
    $0
    Other
    $17,620
    Hours/week
    35

    Schedule J breakdown matched by us

    Base
    $132,987
    Bonus
    $0
    Other
    $0
    Deferred
    $4,353
    Nontaxable benefits
    $13,267
    Filer's total
    $150,607

  • Heidi Pickman

    VP ENGAGEMENT EXTERNAL RELATIONS

    Total calculated
    $163,318
    From this org
    $137,926
    From related orgs
    $0
    Other
    $25,392
    Hours/week
    35

    Schedule J breakdown matched by us

    Base
    $137,926
    Bonus
    $0
    Other
    $0
    Deferred
    $5,517
    Nontaxable benefits
    $19,875
    Filer's total
    $163,318

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Answered yes

  • 3 · Form 990 of other organizations
  • 3 · Compensation survey or study
  • 3 · Approval by the board or compensation committee

Answered no

  • 4a · Severance or change-of-control payment
  • 4b · Supplemental nonqualified retirement plan
  • 4c · Equity-based compensation arrangement
  • 5a · Pay contingent on this organization's revenues
  • 5b · Pay contingent on a related organization's revenues
  • 6a · Pay contingent on this organization's net earnings
  • 6b · Pay contingent on a related organization's net earnings
  • 7 · Other non-fixed payments
  • 8 · Paid under the initial-contract exception

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

Taxable family on this return

Schedule R Parts I, III and IV, as filed. These record ownership and control, not shared board members or money moved.

Disregarded entities

Part I: entities that legally are the filer and file no return of their own.

  • CAMEO IMPACT CAPITAL LLC

    LOAN FUND THAT PROVIDES FINANCING TO OTHER NONPROFITS FOR LENDING · CA · income $0 · assets $0

    Directly controlled by CALIFORNIA ASSOCIATION FOR MICROENTERPRISE OPPORTUNITY

Provenance

Return type
form_990
Tax year
2024
Filed
14 November 2025
IRS schema version
2024v5.2
Source object
202543189349313684

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