Civic Intelligence

Community First Capital Corp

EIN 20-0185800 • 501(c)3 • Lancaster, PA

Profile

To make loans available to persons living, working or interested in developing deteriorated communities and businesses located in pa, central pa and the surrounding communitites, to create jobs and affordable housing, and to provide business counseling, thereby reducing poverty and reducing the burdens of government.

PO Box 524Lancaster, PA 17608-0524

n/A

Siviq Scores

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

Liabilities / Assets

86th percentile

0.70x

Higher debt load relative to assets than 86% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

97th percentile

9.74x

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

501(c)3 • $5M-$10M nonprofits • Source year 2025

Net Margin

86th percentile

42%

Higher net margin than 86% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

81st percentile

$237,751

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 39.7% of source-year revenue.

501(c)3 • $5M-$10M nonprofits • Source year 2025

Asset Growth

19th percentile

-5.3%

Faster asset growth than 19% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

22nd percentile

-9.6%

Faster revenue growth than 22% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$8,792,864

Up $281,917 (+3.3%) from 2023

Liabilities

Down

$6,292,864

Down $2,018,083 (-24%) from 2023

Net Assets

Up

$2,500,000

Up $2,300,000 (+1150%) from 2023

Operations
Liabilities / Revenue97th percentileNet Margin86th percentile

Revenue

Down

$662,064

Down $38,781 (-5.5%) from 2023

Expenses

Down

$528,988

Down $384,213 (-42%) from 2023

Net Income

Up

$133,076

Up $345,432 (+163%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth19th percentile

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

$20M$15M$10M$5.0M$0Assets 2011: $2,054,256Liabilities 2011: $125,186Net Assets 2011: $1,929,0702011Assets 2012: $2,333,153Liabilities 2012: $14,556Net Assets 2012: $2,318,5972012Assets 2013: $3,057,818Liabilities 2013: $0Net Assets 2013: $3,057,8182013Assets 2014: $3,607,984Liabilities 2014: $0Net Assets 2014: $3,607,9842014Assets 2015: $4,434,027Liabilities 2015: $126Net Assets 2015: $4,433,9012015Assets 2016: $5,504,150Liabilities 2016: $0Net Assets 2016: $5,504,1502016Assets 2017: $6,678,263Liabilities 2017: $0Net Assets 2017: $6,678,2632017Assets 2018: $7,217,770Liabilities 2018: $7,042,770Net Assets 2018: $175,0002018Assets 2019: $6,643,479Liabilities 2019: $6,443,479Net Assets 2019: $200,0002019Assets 2020: $17,606,260Liabilities 2020: $17,406,260Net Assets 2020: $200,0002020Assets 2021: $13,234,632Liabilities 2021: $13,034,632Net Assets 2021: $200,0002021Assets 2022: $7,763,704Liabilities 2022: $7,563,704Net Assets 2022: $200,0002022Assets 2023: $8,510,947Liabilities 2023: $8,310,947Net Assets 2023: $200,0002023Assets 2024: $8,792,864Liabilities 2024: $6,292,864Net Assets 2024: $2,500,0002024

Highlighted filing

2024

Assets$8,792,864
Liabilities$6,292,864
Net Assets$2,500,000
Open 2024 Filing

Operations Trend

Revenue Growth22nd percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2011: $17,4062011Expenses 2012: $131,1932012Expenses 2013: $98,3942013Revenue 2014: $250,663Expenses 2014: $239,210Net Income 2014: $11,4532014Revenue 2015: $376,154Expenses 2015: $62,664Net Income 2015: $313,4902015Revenue 2016: $456,224Expenses 2016: $80,130Net Income 2016: $376,0942016Revenue 2017: $555,241Expenses 2017: $29,361Net Income 2017: $525,8802017Revenue 2018: $668,070Expenses 2018: $2,767Net Income 2018: $665,3032018Revenue 2019: $814,961Expenses 2019: $500,782Net Income 2019: $314,1792019Revenue 2020: $1,347,897Expenses 2020: $803,048Net Income 2020: $544,8492020Revenue 2021: $677,122Expenses 2021: $744,077Net Income 2021: -$66,9552021Revenue 2022: $474,502Expenses 2022: $297,363Net Income 2022: $177,1392022Revenue 2023: $700,845Expenses 2023: $913,201Net Income 2023: -$212,3562023Revenue 2024: $662,064Expenses 2024: $528,988Net Income 2024: $133,0762024

Highlighted filing

2024

Revenue$662,064
Expenses$528,988
Net Income$133,076
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,792,864
Liabilities
$6,292,864
Net assets
$2,500,000
Revenue
$662,064
Expenses
$528,988
Net income
$133,076
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$8.79$6.29$2.50$0.66$0.53$0.13
2023Detailed filing. Detailed filing data is available for this year.$8.51$8.31$0.20$0.70$0.91$0.21
2022Detailed filing. Detailed filing data is available for this year.$7.76$7.56$0.20$0.47$0.30$0.18
2021Detailed filing. Detailed filing data is available for this year.$13.2$13.0$0.20$0.68$0.74$0.07
2020Detailed filing. Detailed filing data is available for this year.$17.6$17.4$0.20$1.35$0.80$0.54
2019Detailed filing. Detailed filing data is available for this year.$6.64$6.44$0.20$0.81$0.50$0.31
2018Detailed filing. Detailed filing data is available for this year.$7.22$7.04$0.18$0.67$0.00$0.67
2017Detailed filing. Detailed filing data is available for this year.$6.68$0.00$6.68$0.56$0.03$0.53
2016Detailed filing. Detailed filing data is available for this year.$5.50$0.00$5.50$0.46$0.08$0.38
2015Detailed filing. Detailed filing data is available for this year.$4.43$0.00$4.43$0.38$0.06$0.31
2014Detailed filing. Detailed filing data is available for this year.$3.61$0.00$3.61$0.25$0.24$0.01
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.06$0.00$3.06$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.33$0.01$2.32$0.13
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.05$0.13$1.93$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
May 15, 2025
Return Version
2023v6.0
Gross Receipts
$662,064
Mission and Program Overview

Mission

To make loans available to persons living, working or interested in developing deteriorated communities and businesses located in pa, central pa and the surrounding communitites, to create jobs and affordable housing, and to provide business counseling, thereby reducing poverty and reducing the burdens of government.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$7,388,631$6,319,415▼ $1,069,216
Cash and Non-Interest-Bearing Accounts$1,122,316$2,473,449▲ $1,351,133
Total Assets$8,510,947$8,792,864▲ $281,917
Liabilities
Other Liabilities$8,304,859$6,279,572▼ $2,025,287
Accounts Payable and Accrued Expenses$6,088$13,292▲ $7,204
Total Liabilities$8,310,947$6,292,864▼ $2,018,083
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$200,000$2,500,000▲ $2,300,000
Total Net Assets Fund Balance$200,000$2,500,000▲ $2,300,000
Total Liabilities and Net Assets / Fund Balance$8,510,947$8,792,864▲ $281,917
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleOtherTotal
Elizabeth BennettTreasurer$9,176$9,176

Board Members and Trustees

NameTitle
Ed GallagherPresident
Dragan DodikDirector
Joan BrodheadDirector
Joshua DruceSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$662,064
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$133,076
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$528,988
Total Fundraising Expense$1,522
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management$87,897$261,829-$349,726
Interest-$140,354-$140,354
Fees for Services Other$14,152--$14,152
Fees for Services Legal$5,924--$5,924
Other Expenses$-48,344-$1,522$-48,344
Total Functional Expenses$125,283$402,183$1,522$528,988
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Related Party Payable$6,279,572
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the audit committee of the board of directors prior to filing.”

Form 990, Page 6, Part VI, Line 12C

“The policy is monitored and enforced through the annual conflict of interest disclosure process.”

Form 990, Page 6, Part VI, Line 15A

“The organization does not pay any compensation.”

Form 990, Page 6, Part VI, Line 15B

“The organization does not pay any compensation.”

Form 990, Page 6, Part VI, Line 19

“The organization makes its governing documents, conflict of interest policy and financial statements available to the public upon request at the organization's headquarters.”

Filing and Contact Details

Filer

Filer Name
Community First Capital Corp
EIN
20-0185800
Phone
7173932351
Address
PO BOX 524, LANCASTER, PA 17608-0524

Signing Officer

Name
Joan Brodhead
Title
Director
Phone
7173932351
Signed
2025-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joan Brodhead
Formed
2003
Legal Domicile
Pa
Voting Board Members
5
Independent Board Members
5
Employees
0

Preparer

Firm
Bertz Hess & Co Llp
Address
36 EAST KING ST, LANCASTER, PA 17602
Preparer
Thomas a Wobber CPA
Phone
7173930767
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“To make loans available to persons living, working or interested in developing deteriorated communities and businesses located in pa, central pa and the surrounding communitites, to create jobs and affordable housing, and to provide business counseling, thereby reducing poverty and reducing the burdens of government.”

Form 990, Part XI, Line 9

“Transfer from community first fund 2,166,924”

Financial Statement Notes

Schedule D, Page 3, Part X

“The organization has evaluated the tax filings for the open tax years for uncertain tax positions. The tax years subject to examination by the internal revenue service are 2020, 2021, 2022, and 2023. The tax years subject to examination by the state jurisdiction are unlimited.”

Raw XML AppendixShowing 400 of 410 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0RELATED PARTY PAYABLE
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS EVALUATED THE TAX FILINGS FOR THE OPEN TAX YEARS FOR UNCERTAIN TAX POSITIONS. THE TAX YEARS SUBJECT TO EXAMINATION BY THE INTERNAL REVENUE SERVICE ARE 2020, 2021, 2022, AND 2023. THE TAX YEARS SUBJECT TO EXAMINATION BY THE STATE JURISDICTION ARE UNLIMITED.
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOAN BRODHEAD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO MAKE LOANS AVAILABLE TO PERSONS LIVING, WORKING OR INTERESTED IN DEVELOPING DETERIORATED COMMUNITIES AND BUSINESSES LOCATED IN PA, CENTRAL PA AND THE SURROUNDING COMMUNITITES, TO CREATE JOBS AND AFFORDABLE HOUSING, AND TO PROVIDE BUSINESS COUNSELING, THEREBY REDUCING POVERTY AND REDUCING THE BURDENS OF GOVERNMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE FORM 990 IS REVIEWED BY THE AUDIT COMMITTEE OF THE BOARD OF DIRECTORS PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE POLICY IS MONITORED AND ENFORCED THROUGH THE ANNUAL CONFLICT OF INTEREST DISCLOSURE PROCESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION DOES NOT PAY ANY COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION DOES NOT PAY ANY COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST AT THE ORGANIZATION'S HEADQUARTERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6TRANSFER FROM COMMUNITY FIRST FUND 2,166,924
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
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IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0TRANSFER OF CAPITAL
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt1DECR NOTE PAYABLE
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt2AMT DUE ON NOTE-YR END
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt3FMV-MGMT FEE
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt4FMV-INTEREST EXPENSE
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0402183
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IRS990/TotalFunctionalExpensesGrp/TotalAmt0528988
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08310947
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IRS990/TotalOtherCompensationAmt032504
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IRS990/TotalProgramServiceRevenueAmt0662064
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0JOAN BRODHEAD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum07173932351
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY FIRST CAPITAL CORP
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BERTZ HESS & CO LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt036 EAST KING ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LANCASTER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA

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