Civic Intelligence

South Carolina Community Loan Fund

990 • Fiscal year 2016 • EIN 01-0793507

Jan 01, 2016 to Dec 31, 2016 • Filed on Jun 22, 2017

Organization ProfileWWW.SCCOMMUNITYLOANFUND.ORG

View Organization Page

1535 Hobby Street Suite 209North Charleston, SC 29405

(843) 973-7285

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

84th percentile

0.76x

Higher debt load relative to assets than 84% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

97th percentile

10.95x

Higher debt load relative to revenue than 97% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Net Margin

80th percentile

19%

Higher net margin than 80% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

21st percentile

$98,242

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 5.8% of source-year revenue.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2016

Asset Growth

96th percentile

66%

Faster asset growth than 96% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

32nd percentile

-3.1%

Faster revenue growth than 32% of similar nonprofits.

2016 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets84th percentile

Assets

Up

$24,454,484

Up $9,749,740 (+66%) from 2015

Net Assets

Up

$5,802,173

Up $326,321 (+6.0%) from 2015

Liabilities

Up

$18,652,311

Up $9,423,419 (+102%) from 2015

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin80th percentile

Revenue

Down

$1,703,042

Down $54,062 (-3.1%) from 2015

Expenses

Down

$1,376,721

Down $25,713 (-1.8%) from 2015

Net Income

Down

$326,321

Down $28,349 (-8.0%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth96th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$60M$40M$20M$0Assets 2010: $3,018,747Liabilities 2010: $510,208Net Assets 2010: $2,508,5392010Assets 2011: $5,620,332Liabilities 2011: $3,430,361Net Assets 2011: $2,189,9712011Assets 2012: $7,155,475Liabilities 2012: $3,487,948Net Assets 2012: $3,667,5272012Assets 2013: $7,911,698Liabilities 2013: $3,327,572Net Assets 2013: $4,584,1262013Assets 2014: $12,570,253Liabilities 2014: $7,449,071Net Assets 2014: $5,121,1822014Assets 2015: $14,704,744Liabilities 2015: $9,228,892Net Assets 2015: $5,475,8522015Assets 2016: $24,454,484Liabilities 2016: $18,652,311Net Assets 2016: $5,802,1732016Assets 2017: $26,209,919Liabilities 2017: $20,151,935Net Assets 2017: $6,057,9842017Assets 2018: $31,840,546Liabilities 2018: $25,646,591Net Assets 2018: $6,193,9552018Assets 2019: $33,458,629Liabilities 2019: $25,885,789Net Assets 2019: $7,572,8402019Assets 2020: $36,418,539Liabilities 2020: $27,464,692Net Assets 2020: $8,953,8472020Assets 2021: $42,539,456Liabilities 2021: $32,418,740Net Assets 2021: $10,120,7162021Assets 2022: $41,580,650Liabilities 2022: $31,039,066Net Assets 2022: $10,541,5842022Assets 2023: $42,236,648Liabilities 2023: $29,337,981Net Assets 2023: $12,898,6672023Assets 2024: $49,607,336Liabilities 2024: $33,987,519Net Assets 2024: $15,619,8172024

Highlighted filing

2016

Assets$24,454,484
Liabilities$18,652,311
Net Assets$5,802,173
Open 2016 Filing

Operations Trend

Revenue Growth32nd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $3,204,4872010Revenue 2011: $2,010,582Expenses 2011: $1,453,116Net Income 2011: $557,4662011Expenses 2012: $708,9292012Revenue 2013: $587,468Expenses 2013: $1,076,830Net Income 2013: -$489,3622013Revenue 2014: $1,613,521Expenses 2014: $1,076,465Net Income 2014: $537,0562014Revenue 2015: $1,757,104Expenses 2015: $1,402,434Net Income 2015: $354,6702015Revenue 2016: $1,703,042Expenses 2016: $1,376,721Net Income 2016: $326,3212016Revenue 2017: $1,994,940Expenses 2017: $1,739,128Net Income 2017: $255,8122017Revenue 2018: $2,802,357Expenses 2018: $2,666,386Net Income 2018: $135,9712018Revenue 2019: $3,885,032Expenses 2019: $2,633,393Net Income 2019: $1,251,6392019Revenue 2020: $4,907,654Expenses 2020: $3,531,299Net Income 2020: $1,376,3552020Revenue 2021: $4,959,016Expenses 2021: $3,931,589Net Income 2021: $1,027,4272021Revenue 2022: $3,563,181Expenses 2022: $2,987,456Net Income 2022: $575,7252022Revenue 2023: $6,646,393Expenses 2023: $4,392,494Net Income 2023: $2,253,8992023Revenue 2024: $6,915,848Expenses 2024: $4,240,305Net Income 2024: $2,675,5432024

Highlighted filing

2016

Revenue$1,703,042
Expenses$1,376,721
Net Income$326,321
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jun 22, 2017
Return Version
2016v3.0
Gross Receipts
$1,726,608
Mission and Program Overview

Mission

South carolina community loan fund (scclf) is a u.s. Treasury certified community development financial institution (cdfi) whose mission is to advance equitable access to capital by providing loans, technical assistance, and advocacy for affordable housing, healthy food, community facilities, and community business enterprises to create thriving, prosperous, economically resilient communities for all south carolinians.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$7,893,015$16,357,535▲ $8,464,520
Cash and Non-Interest-Bearing Accounts$6,768,450$7,814,990▲ $1,046,540
Accounts Receivable$6,494$250,000▲ $243,506
Prepaid Expenses and Deferred Charges$21,003$22,171▲ $1,168
Land, Buildings, and Equipment, Net$15,782$9,788▼ $5,994
Total Assets$14,704,744$24,454,484▲ $9,749,740
Liabilities
Unsecured Notes Loans Payable$9,072,457$18,542,533▲ $9,470,076
Escrow Account Liability-$46,717-
Deferred Revenue$140,000$32,500▼ $107,500
Accounts Payable and Accrued Expenses$16,435$30,561▲ $14,126
Total Liabilities$9,228,892$18,652,311▲ $9,423,419
Net Assets / Fund Balance
Unrestricted Net Assets$4,947,065$5,030,663▲ $83,598
Temporarily Rstr Net Assets$528,787$771,510▲ $242,723
Total Net Assets Fund Balance$5,475,852$5,802,173▲ $326,321
Total Liabilities and Net Assets / Fund Balance$14,704,744$24,454,484▲ $9,749,740

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$9,788$38,638$48,426
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michelle MappExecutive DirectorFT$92,041$6,201$98,242
Patrick KingLending DirectorFT$83,934$5,958$89,892
Anna LewinChief Operating OfficerFT$79,000$5,810$84,810
Suzanne LynchFinance DirectorPT$15,298-$15,298

Board Members and Trustees

NameTitle
Tony WoodyChairman
Andy HewittBoard Member
Bill StanfieldBoard Member
Carolina MascarinBoard Member
Florence PetersBoard Member
Jennie StephensBoard Member
Kelly PriceBoard Member
Michael ManssonBoard Member
Pamela WilliamsBoard Member
Quinetha FrasierBoard Member
Robert JohnstonBoard Member
Robert NettlesBoard Member
Thomas AndersonBoard Member
Wendy ZaraBoard Member
Whitney PowersBoard Member
Zach BeardenBoard Member
Ashley HeggieSecretary
Jim HaleyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$940,788
Program Service Revenue
$777,375
Investment Income
$216
Other Revenue
$-15,337
All Other Contributions
$663,736
Change in Net Assets
$326,321

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,703,042
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$21,381
Total Revenue per Audited Statements
$1,724,423
Total Revenue per Form 990
$1,703,042
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$723,901
Salaries, Compensation, and Employee Benefits$652,820
Total Fundraising Expense$57,069
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$211,514$55,043$8,496$275,053
Current Officers, Directors, Trustees, and Key Employees$200,847$29,070$34,355$264,272
Interest$255,120--$255,120
Fees for Services Other$81,927$21,715$629$104,271
Other Employee Benefits$53,369$9,829$5,249$68,447
Payroll Taxes$35,125$6,469$3,454$45,048
Occupancy$35,014$6,916-$41,930
All Other Expenses$27,325$10,828$2,432$40,585
Conferences and Meetings$25,386$6,658$297$32,341
Fees for Services Accounting$21,921$5,810$169$27,900
Travel$25,128$197$1,042$26,367
Other Expenses$13,825$2,262$813$16,900
Fees for Services Legal$12,247$3,246$94$15,587
Advertising$11,754$1,739$39$13,532
Insurance$1,634$5,985-$7,619
Office Expenses$3,106$2,826-$5,932
Depreciation Depletion$4,029$878-$4,907
Total Functional Expenses$1,145,277$174,375$57,069$1,376,721

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$1,398,102
Expenses per Audited Statements$1,376,721
Total Expenses per Form 990$1,376,721
Expenses Not Reported on Form 990$21,381
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$21,381
Fundraising Gross Income$6,044
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“A draft was provided to the finance committee to review and approve before filing the 990.”

Form 990, Part VI, Section B, Line 12C

“The organization provides a copy of the policy to the board members and requires them to review on an annual basis. If a board member has a conflict of interest, they must excuse themselves during voting.”

Form 990, Part VI, Section B, Line 15A

“Compensation determination for the executive director is decided during the annual evaluation conducted by the board of directors. Key staff evaluations are conducted by the executive director.”

Form 990, Part VI, Section C, Line 19

“Governing documents, financial statements, and form 990 are provided when requested by third parties.”

Filing and Contact Details

Filer

Filer Name
South Carolina Community Loan Fund
EIN
01-0793507
Phone
8439737285
Address
1535 HOBBY STREET SUITE 209, NORTH CHARLESTON, SC 29405

Signing Officer

Name
Jim Haley
Title
Chairman
Phone
8439737285
Signed
2017-06-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michelle Mapp
Formed
2003
Legal Domicile
Sc
Voting Board Members
18
Independent Board Members
18
Employees
13
Volunteers
26

Preparer

Firm
Elliott Davis Decosimo LLC Pllc
Address
100 CALHOUN STREET SUITE 300, CHARLESTON, SC 29401
Preparer
Brandon T Renaud
Phone
8435777040
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 2C

“The process has not changed.”

Financial Statement Notes

PART IV, LINE 2B:

“Advances received from donors or granting agencies to be passed through to designated third parties are recorded as assets held for others.”

PART X, LINE 2:

“South carolina community loan fund (clf) has evaluated the effect of gaap guidance on accounting for uncertainty in income taxes. Clf is tax exempt under section 501(c)(3) of the internal revenue code. Management believes that the trust continues to satisfy the requirements of a tax-exempt organization and had no uncertain income tax positions at december 31, 2016.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Special event expenses reported net of revenue on 990 21,381.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Special event expenses reported net of revenue on 990 21,381.”

Raw XML AppendixShowing 400 of 583 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ActivityOrMissionDesc0SOUTH CAROLINA COMMUNITY LOAN FUND (SCCLF) IS A U.S. TREASURY CERTIFIED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) WHOSE MISSION IS TO ADVANCE EQUITABLE ACCESS TO CAPITAL BY PROVIDING LOANS, TECHNICAL ASSISTANCE, AND ADVOCACY FOR AFFORDABLE HOUSING, HEALTHY FOOD, COMMUNITY FACILITIES, AND COMMUNITY BUSINESS ENTERPRISES TO CREATE THRIVING, PROSPEROUS, ECONOMICALLY RESILIENT COMMUNITIES FOR ALL SOUTH CAROLINIANS.
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IRS990/Form990PartVIISectionAGrp/PersonNm14ANDY HEWITT
IRS990/Form990PartVIISectionAGrp/PersonNm15TONY WOODY
IRS990/Form990PartVIISectionAGrp/PersonNm16KELLY PRICE
IRS990/Form990PartVIISectionAGrp/PersonNm17JIM HALEY
IRS990/Form990PartVIISectionAGrp/PersonNm18MICHELLE MAPP
IRS990/Form990PartVIISectionAGrp/PersonNm19SUZANNE LYNCH
IRS990/Form990PartVIISectionAGrp/PersonNm20PATRICK KING
IRS990/Form990PartVIISectionAGrp/PersonNm21ANNA LEWIN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1892041
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1915298
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2083934
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2179000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt16BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt17TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt18EXECUTIVE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19FINANCE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20LENDING DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21CHIEF OPERATING OFFICER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr02003
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/FundraisingDirectExpensesAmt021381
IRS990/FundraisingGrossIncomeAmt06044
IRS990/GainOrLossGrp/OtherAmt0213
IRS990/GainOrLossGrp/SecuritiesAmt0-7
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt018
IRS990/GovernmentGrantsAmt0277052
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt01300
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01091
IRS990/GrossReceiptsAmt01726608
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt018
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt05985
IRS990/InsuranceGrp/ProgramServicesAmt01634
IRS990/InsuranceGrp/TotalAmt07619
IRS990/InterestGrp/ProgramServicesAmt0255120
IRS990/InterestGrp/TotalAmt0255120
IRS990/InvestmentIncomeGrp/ExclusionAmt010
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt010
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt02
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt038638
IRS990/LandBldgEquipBasisNetGrp/BOYAmt015782
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09788
IRS990/LandBldgEquipCostOrOtherBssAmt048426
IRS990/LegalDomicileStateCd0SC
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt01087
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01098
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0SOUTH CAROLINA COMMUNITY LOAN FUND (SCCLF) IS A U.S. TREASURY CERTIFIED COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI) WHOSE MISSION IS TO ADVANCE EQUITABLE ACCESS TO CAPITAL BY PROVIDING LOANS, TECHNICAL ASSISTANCE, AND ADVOCACY FOR AFFORDABLE HOUSING, HEALTHY FOOD, COMMUNITY FACILITIES, AND COMMUNITY BUSINESS ENTERPRISES TO CREATE THRIVING, PROSPEROUS, ECONOMICALLY RESILIENT COMMUNITIES FOR ALL SOUTH CAROLINIANS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt05475852
IRS990/NetAssetsOrFundBalancesEOYAmt05802173
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0206
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0206
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt0-15337
IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt0-15337
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt06916
IRS990/OccupancyGrp/ProgramServicesAmt035014
IRS990/OccupancyGrp/TotalAmt041930
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt02826
IRS990/OfficeExpensesGrp/ProgramServicesAmt03106
IRS990/OfficeExpensesGrp/TotalAmt05932
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt05249
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt09829
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt053369
IRS990/OtherEmployeeBenefitsGrp/TotalAmt068447
IRS990/OtherExpensesGrp/Desc0AFFORDABLE HOUSING SUBS
IRS990/OtherExpensesGrp/Desc1TRAINING AND WORKSHOP P
IRS990/OtherExpensesGrp/Desc2COMMUNICATION AND UTILI
IRS990/OtherExpensesGrp/Desc3PRINTING AND POSTAGE
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt1813
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt07
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt14897
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt22262
IRS990/OtherExpensesGrp/ProgramServicesAmt066537
IRS990/OtherExpensesGrp/ProgramServicesAmt146264
IRS990/OtherExpensesGrp/ProgramServicesAmt213205
IRS990/OtherExpensesGrp/ProgramServicesAmt313825
IRS990/OtherExpensesGrp/TotalAmt066537
IRS990/OtherExpensesGrp/TotalAmt146271
IRS990/OtherExpensesGrp/TotalAmt218102
IRS990/OtherExpensesGrp/TotalAmt316900
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt08496
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt055043
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0211514
IRS990/OtherSalariesAndWagesGrp/TotalAmt0275053
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt07893015
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt016357535
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt03454
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt06469
IRS990/PayrollTaxesGrp/ProgramServicesAmt035125
IRS990/PayrollTaxesGrp/TotalAmt045048
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt021003
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt022171
IRS990/PrincipalOfficerNm0MICHELLE MAPP
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0624229
IRS990/ProgramServiceRevenueGrp/BusinessCd1624229
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST AND FEES
IRS990/ProgramServiceRevenueGrp/Desc1REIMBURSABLE PROGRAM R
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0765134
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt112241
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0765134
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt112241
IRS990/ProgSrvcAccomActy2Grp/Desc0COMMUNITY FACILITY (CF) CLF PROVIDES COMMUNITY FACILITY LOANS UP TO $1,000,000 TO FINANCE ACQUISITION, PRE-DEVELOPMENT, INFRASTRUCTURE, CONSTRUCTION, REHABILITATION, AND PERMANENT FINANCING DEVELOPMENT COSTS. CLF FINANCES THE CONSTRUCTION AND RENOVATION OF COMMUNITY FACILITIES INCLUDING, BUT NOT LIMITED TO, RECREATION CENTERS, DAY CARE CENTERS, HEALTH CARE CENTERS, SENIOR CENTERS, CHARTER SCHOOLS, HOMELESS SHELTERS, AND TRANSITIONAL HOUSING IN UNDERSERVED SOUTH CAROLINA COMMUNITIES.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt018784
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt026730
IRS990/ProgSrvcAccomActy3Grp/Desc0COMMUNITY BUSINESS/HEALTHY FOOD (CB AND HF) CLF PROVIDES COMMUNITY BUSINESS AND HEALTHY FOOD LOANS UP TO $1,000,000 TO FINANCE ACQUISITION, PREDEVELOPMENT, INFRASTRUCTURE, CONSTRUCTION, RENOVATION, LEASEHOLD IMPROVEMENTS, MACHINERY AND EQUIPMENT, WORKING CAPITAL, AND PERMANENT FINANCING BUSINESS COSTS. CLF FINANCES THE CAPITAL NEEDS OF COMMUNITY BUSINESSES AND HEALTHY FOOD OUTLETS SERVING AND EMPLOYING LOW TO MODERATE INCOME INDIVIDUALS LOCATED IN UNDERSERVED SOUTH CAROLINA COMMUNITIES.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0145823
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0141703
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt0929007
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt0463145
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt01279691
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt033
IRS990/PYOtherExpensesAmt0922237
IRS990/PYOtherRevenueAmt0-52509
IRS990/PYProgramServiceRevenueAmt0529889
IRS990/PYRevenuesLessExpensesAmt0354670
IRS990/PYSalariesCompEmpBnftPaidAmt0480197
IRS990/PYTotalExpensesAmt01402434
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01757104

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$24,454,484
Liabilities
$18,652,311
Net assets
$5,802,173
Revenue
$1,703,042
Expenses
$1,376,721
Net income
$326,321
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.6$34.0$15.6$6.92$4.24$2.68
2023Detailed filing. Detailed filing data is available for this year.$42.2$29.3$12.9$6.65$4.39$2.25
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.6$31.0$10.5$3.56$2.99$0.58
2021Detailed filing. Detailed filing data is available for this year.$42.5$32.4$10.1$4.96$3.93$1.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.4$27.5$8.95$4.91$3.53$1.38
2019Detailed filing. Detailed filing data is available for this year.$33.5$25.9$7.57$3.89$2.63$1.25
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.8$25.6$6.19$2.80$2.67$0.14
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.2$20.2$6.06$1.99$1.74$0.26
2016Detailed filing. Detailed filing data is available for this year.$24.5$18.7$5.80$1.70$1.38$0.33
2015Detailed filing. Detailed filing data is available for this year.$14.7$9.23$5.48$1.76$1.40$0.35
2014Detailed filing. Detailed filing data is available for this year.$12.6$7.45$5.12$1.61$1.08$0.54
2013Summary only. Only limited summary data is available for this year.$7.91$3.33$4.58$0.59$1.08$0.49
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.16$3.49$3.67$0.71
2011Summary only. Only limited summary data is available for this year.$5.62$3.43$2.19$2.01$1.45$0.56
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.02$0.51$2.51$3.20