Civic Intelligence

Community Investment Corporation

EIN 06-0968039 • 501(c)4 • Hamden, CT

View Organization Page

Profile

Promote economic growth and community development throughout connecticut and rhode island by providing financial assistance to qualified small businesses.

2315 Whitney Avenue 2BHamden, CT 06518

www.ciclending.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

77th percentile

0.39x

Higher debt load relative to assets than 77% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

84th percentile

1.99x

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

501(c)4 • $10M-$25M nonprofits • Source year 2025

Net Margin

13th percentile

-13%

Higher net margin than 13% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

72nd percentile

$254,080

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 9.3% of source-year revenue.

501(c)4 • $10M-$25M nonprofits • Source year 2025

Asset Growth

13th percentile

-6.2%

Faster asset growth than 13% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

17th percentile

-8.1%

Faster revenue growth than 17% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets77th percentile

Assets

Down

$13,775,156

Down $918,281 (-6.2%) from 2024

Liabilities

Down

$5,410,540

Down $559,597 (-9.4%) from 2024

Net Assets

Down

$8,364,616

Down $358,684 (-4.1%) from 2024

Operations
Liabilities / Revenue84th percentileNet Margin13th percentile

Revenue

Down

$2,723,799

Down $241,425 (-8.1%) from 2024

Expenses

Up

$3,082,483

Up $147,175 (+5.0%) from 2024

Net Income

Down

-$358,684

Down $388,600 (-1299%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth13th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2010: $4,858,481Liabilities 2010: $2,768,162Net Assets 2010: $2,090,3192010Assets 2011: $6,605,719Liabilities 2011: $2,950,048Net Assets 2011: $3,655,6712011Assets 2012: $11,171,443Liabilities 2012: $7,244,798Net Assets 2012: $3,926,6452012Assets 2013: $8,661,047Liabilities 2013: $4,518,906Net Assets 2013: $4,142,1412013Assets 2014: $7,000,300Liabilities 2014: $2,787,570Net Assets 2014: $4,212,7302014Assets 2015: $7,824,353Liabilities 2015: $3,399,767Net Assets 2015: $4,424,5862015Assets 2016: $7,648,319Liabilities 2016: $2,991,143Net Assets 2016: $4,657,1762016Assets 2017: $8,596,240Liabilities 2017: $3,920,175Net Assets 2017: $4,676,0652017Assets 2018: $7,924,195Liabilities 2018: $3,220,361Net Assets 2018: $4,703,8342018Assets 2019: $9,119,546Liabilities 2019: $4,131,696Net Assets 2019: $4,987,8502019Assets 2020: $9,616,301Liabilities 2020: $4,713,672Net Assets 2020: $4,902,6292020Assets 2021: $10,940,927Liabilities 2021: $4,189,522Net Assets 2021: $6,751,4052021Assets 2022: $12,691,886Liabilities 2022: $4,194,585Net Assets 2022: $8,497,3012022Assets 2023: $13,645,291Liabilities 2023: $4,951,907Net Assets 2023: $8,693,3842023Assets 2024: $14,693,437Liabilities 2024: $5,970,137Net Assets 2024: $8,723,3002024Assets 2025: $13,775,156Liabilities 2025: $5,410,540Net Assets 2025: $8,364,6162025

Highlighted filing

2025

Assets$13,775,156
Liabilities$5,410,540
Net Assets$8,364,616
Open 2025 Filing

Operations Trend

Revenue Growth17th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,490,7632010Expenses 2011: $1,761,1722011Expenses 2012: $1,661,8162012Revenue 2013: $1,889,490Expenses 2013: $1,673,994Net Income 2013: $215,4962013Revenue 2014: $2,031,739Expenses 2014: $1,961,150Net Income 2014: $70,5892014Revenue 2015: $2,091,738Expenses 2015: $1,879,881Net Income 2015: $211,8572015Revenue 2016: $2,217,332Expenses 2016: $1,984,742Net Income 2016: $232,5902016Revenue 2017: $2,064,498Expenses 2017: $2,045,609Net Income 2017: $18,8892017Revenue 2018: $2,065,670Expenses 2018: $2,037,901Net Income 2018: $27,7692018Revenue 2019: $2,396,564Expenses 2019: $2,112,548Net Income 2019: $284,0162019Revenue 2020: $2,179,084Expenses 2020: $2,264,305Net Income 2020: -$85,2212020Revenue 2021: $4,249,265Expenses 2021: $2,400,489Net Income 2021: $1,848,7762021Revenue 2022: $4,160,797Expenses 2022: $2,414,901Net Income 2022: $1,745,8962022Revenue 2023: $2,852,728Expenses 2023: $2,656,645Net Income 2023: $196,0832023Revenue 2024: $2,965,224Expenses 2024: $2,935,308Net Income 2024: $29,9162024Revenue 2025: $2,723,799Expenses 2025: $3,082,483Net Income 2025: -$358,6842025

Highlighted filing

2025

Revenue$2,723,799
Expenses$3,082,483
Net Income-$358,684
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,775,156
Liabilities
$5,410,540
Net assets
$8,364,616
Revenue
$2,723,799
Expenses
$3,082,483
Net income
-$358,684
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$13.8$5.41$8.36$2.72$3.08$0.36
2024Detailed filing. Detailed filing data is available for this year.$14.7$5.97$8.72$2.97$2.94$0.03
2023Detailed filing. Detailed filing data is available for this year.$13.6$4.95$8.69$2.85$2.66$0.20
2022Detailed filing. Detailed filing data is available for this year.$12.7$4.19$8.50$4.16$2.41$1.75
2021Detailed filing. Detailed filing data is available for this year.$10.9$4.19$6.75$4.25$2.40$1.85
2020Detailed filing. Detailed filing data is available for this year.$9.62$4.71$4.90$2.18$2.26$0.09
2019Detailed filing. Detailed filing data is available for this year.$9.12$4.13$4.99$2.40$2.11$0.28
2018Detailed filing. Detailed filing data is available for this year.$7.92$3.22$4.70$2.07$2.04$0.03
2017Detailed filing. Detailed filing data is available for this year.$8.60$3.92$4.68$2.06$2.05$0.02
2016Detailed filing. Detailed filing data is available for this year.$7.65$2.99$4.66$2.22$1.98$0.23
2015Detailed filing. Detailed filing data is available for this year.$7.82$3.40$4.42$2.09$1.88$0.21
2014Detailed filing. Detailed filing data is available for this year.$7.00$2.79$4.21$2.03$1.96$0.07
2013Summary only. Only limited summary data is available for this year.$8.66$4.52$4.14$1.89$1.67$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.2$7.24$3.93$1.66
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.61$2.95$3.66$1.76
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.86$2.77$2.09$1.49
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2024 to Sep 30, 2025
Signed
Jan 15, 2026
Return Version
2024v5.5
Gross Receipts
$2,723,799
Mission and Program Overview

Mission

Promote economic growth and community development throughout connecticut, rhode island and the commonwealth of massachusetts by providing financial assistance to qualified small businesses.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$7,969,799$7,789,326▼ $180,473
Savings and Temporary Cash Investments$3,296,381$2,902,033▼ $394,348
Cash and Non-Interest-Bearing Accounts$2,518,558$2,580,780▲ $62,222
Pledges and Grants Receivable$144,377$108,800▼ $35,577
Land, Buildings, and Equipment, Net$24,823$50,787▲ $25,964
Prepaid Expenses and Deferred Charges$35,251$38,388▲ $3,137
Total Assets$14,693,437$13,775,156▼ $918,281
Other Assets Total$704,248$305,042▼ $399,206
Liabilities
Mortgage Notes Payable Secured by Investment Property$4,872,593$4,765,424▼ $107,169
Accounts Payable and Accrued Expenses$730,718$348,890▼ $381,828
Other Liabilities$366,826$296,226▼ $70,600
Total Liabilities$5,970,137$5,410,540▼ $559,597
Net Assets / Fund Balance
Net Assets With Donor Restrictions$6,141,542$5,831,209▼ $310,333
Net Assets Without Donor Restrictions$2,581,758$2,533,407▼ $48,351
Total Net Assets Fund Balance$8,723,300$8,364,616▼ $358,684
Total Liabilities and Net Assets / Fund Balance$14,693,437$13,775,156▼ $918,281

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$50,787$130,042$180,829
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Louis SilvaPresidentFT$177,063$77,017$254,080
Richard EvansSVP/ Loan OfficerFT$137,361$52,102$189,463
Michelle MezziSVP/CFOFT$138,247$42,432$180,679
Charles HarrisVP/ Loan OfficerFT$115,817-$115,817

Board Members and Trustees

NameTitle
Timothy BergstromChairman
Richard IovanneVice Chairman
Chris EdgeDirector
Damaris GarciaDirector
Darrin DellavecchiaDirector
John a MatthewsDirector
Mark DuclosDirector
Michael PazDirector
Randy KabakoffDirector
Sharon BruneAssistant Secretary
James BurkeSecretary
Mary MurphyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$356,662
Program Service Revenue
$2,367,137
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-358,684

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,723,799
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$23,900
Total Revenue per Audited Statements
$2,747,699
Total Revenue per Form 990
$2,723,799
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,758,312
Other Expenses$1,324,171
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$515,269$277,452-$792,721
Current Officers, Directors, Trustees, and Key Employees$421,202$226,801-$648,003
Fees for Services Other$119,649$64,426-$184,075
Other Employee Benefits$107,786$58,039-$165,825
Office Expenses$79,446$42,779-$122,225
Interest$72,482$39,029-$111,511
Payroll Taxes$69,962$37,672-$107,634
Occupancy$59,389$31,978-$91,367
Advertising$55,408$29,835-$85,243
Fees for Services Legal$47,902$25,794-$73,696
Fees for Services Accounting$35,750$19,250-$55,000
Pension Plan Contributions$28,684$15,445-$44,129
Insurance$17,685$9,522-$27,207
Conferences and Meetings$14,403$7,756-$22,159
All Other Expenses$13,647$7,348-$20,995
Other Expenses$10,404$5,602-$16,006
Depreciation Depletion$6,438$3,466-$9,904
Total Functional Expenses$2,003,615$1,078,868$0$3,082,483

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$3,106,383
Expenses per Audited Statements$3,082,483
Total Expenses per Form 990$3,082,483
Expenses Not Reported on Form 990$23,900
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
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Operating Lease Liability$296,226
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 35% controlled entity
No
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
Yes
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

“Form 990 is provided to president and board of directors for review prior to filing.”

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

“Annually, at time of employment and when the new board member is added to the board of directors.”

Form 990, Part VI, Section B, Line 15

“The board of directors' compensation committee sets ceo compensation and reviews overall bonus & compensation plans for staff. The compensation committee periodically engages outside comparable compensation studies.”

Form 990, Part VI, Section C, Line 18

“Form 990 is provided to the public.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policy, and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Community Investment Corporation
EIN
06-0968039
Phone
2037766172
Address
2315 WHITNEY AVENUE 2B, HAMDEN, CT 06518

Signing Officer

Name
Louis Silva
Title
President
Phone
2037766172
Signed
2026-01-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Louis Silva
Formed
1973
Legal Domicile
Ct
Voting Board Members
12
Independent Board Members
12
Employees
14
Volunteers
0

Preparer

Firm
Whittlesey Pc
Address
280 TRUMBULL ST 24TH FL, HARTFORD, CT 06103
Preparer
Thomas Goldfuss
Phone
8605223111
Supplemental Narrative

Additional Explanations

Part XII, Line 2C

“No change from prior year.”

Raw XML AppendixShowing 400 of 557 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/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09068

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