Civic Intelligence

Vermont Community Loan Fund

EIN 22-2864900 • 501(c)3 • Montpelier, VT

View Organization Page

Profile

To create opportunities that lead to healthy communities and financial stability for all vermonters.

PO Box 827Montpelier, VT 05601

www.vclf.org

Siviq Scores

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

Liabilities / Assets

80th percentile

0.67x

Higher debt load relative to assets than 80% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2023

Liabilities / Revenue

97th percentile

10.78x

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

501(c)3 • $50M-$100M nonprofits • Source year 2023

Net Margin

46th percentile

3.1%

Higher net margin than 46% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

33rd percentile

1.8%

Faster asset growth than 33% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Annualized from 2022 to 2023

Revenue Growth

49th percentile

6.8%

Faster revenue growth than 49% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$52,714,194

Up $911,841 (+1.8%) from 2022

Liabilities

Up

$35,096,273

Up $810,094 (+2.4%) from 2022

Net Assets

Up

$17,617,921

Up $101,747 (+0.6%) from 2022

Operations
Liabilities / Revenue97th percentileNet Margin46th percentile

Revenue

Up

$3,257,007

Up $207,807 (+6.8%) from 2022

Expenses

Up

$3,155,260

Up $477,479 (+18%) from 2022

Net Income

Down

$101,747

Down $269,672 (-73%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth33rd percentile

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

$60M$40M$20M$0Assets 2010: $26,569,392Liabilities 2010: $18,959,498Net Assets 2010: $7,609,8942010Assets 2011: $30,170,273Liabilities 2011: $22,355,388Net Assets 2011: $7,814,8852011Assets 2012: $29,284,339Liabilities 2012: $21,468,172Net Assets 2012: $7,816,1672012Assets 2013: $30,740,877Liabilities 2013: $23,039,913Net Assets 2013: $7,700,9642013Assets 2014: $33,258,079Liabilities 2014: $24,794,610Net Assets 2014: $8,463,4692014Assets 2015: $35,748,281Liabilities 2015: $25,949,376Net Assets 2015: $9,798,9052015Assets 2016: $38,085,836Liabilities 2016: $27,387,508Net Assets 2016: $10,698,3282016Assets 2017: $39,249,533Liabilities 2017: $28,508,293Net Assets 2017: $10,741,2402017Assets 2018: $41,660,713Liabilities 2018: $29,235,621Net Assets 2018: $12,425,0922018Assets 2019: $43,152,918Liabilities 2019: $30,702,356Net Assets 2019: $12,450,5622019Assets 2020: $46,833,767Liabilities 2020: $33,120,651Net Assets 2020: $13,713,1162020Assets 2021: $52,195,414Liabilities 2021: $35,050,659Net Assets 2021: $17,144,7552021Assets 2022: $51,802,353Liabilities 2022: $34,286,179Net Assets 2022: $17,516,1742022Assets 2023: $52,714,194Liabilities 2023: $35,096,273Net Assets 2023: $17,617,9212023

Highlighted filing

2023

Assets$52,714,194
Liabilities$35,096,273
Net Assets$17,617,921
Open 2023 Filing

Operations Trend

Revenue Growth49th percentile

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,217,1032010Expenses 2011: $2,342,1312011Expenses 2012: $2,821,4622012Revenue 2013: $2,701,525Expenses 2013: $2,816,728Net Income 2013: -$115,2032013Revenue 2014: $3,512,946Expenses 2014: $2,750,441Net Income 2014: $762,5052014Revenue 2015: $4,054,895Expenses 2015: $2,719,459Net Income 2015: $1,335,4362015Revenue 2016: $3,665,706Expenses 2016: $2,766,283Net Income 2016: $899,4232016Revenue 2017: $2,867,758Expenses 2017: $2,824,846Net Income 2017: $42,9122017Revenue 2018: $4,712,860Expenses 2018: $3,029,008Net Income 2018: $1,683,8522018Revenue 2019: $2,822,425Expenses 2019: $2,796,955Net Income 2019: $25,4702019Revenue 2020: $3,862,126Expenses 2020: $2,599,572Net Income 2020: $1,262,5542020Revenue 2021: $6,288,284Expenses 2021: $2,856,645Net Income 2021: $3,431,6392021Revenue 2022: $3,049,200Expenses 2022: $2,677,781Net Income 2022: $371,4192022Revenue 2023: $3,257,007Expenses 2023: $3,155,260Net Income 2023: $101,7472023

Highlighted filing

2023

Revenue$3,257,007
Expenses$3,155,260
Net Income$101,747
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$52,714,194
Liabilities
$35,096,273
Net assets
$17,617,921
Revenue
$3,257,007
Expenses
$3,155,260
Net income
$101,747
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$52.7$35.1$17.6$3.26$3.16$0.10
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$51.8$34.3$17.5$3.05$2.68$0.37
2021Summary only. Only limited summary data is available for this year.$52.2$35.1$17.1$6.29$2.86$3.43
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.8$33.1$13.7$3.86$2.60$1.26
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.2$30.7$12.5$2.82$2.80$0.03
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.7$29.2$12.4$4.71$3.03$1.68
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.2$28.5$10.7$2.87$2.82$0.04
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.1$27.4$10.7$3.67$2.77$0.90
2015Detailed filing. Detailed filing data is available for this year.$35.7$25.9$9.80$4.05$2.72$1.34
2014Detailed filing. Detailed filing data is available for this year.$33.3$24.8$8.46$3.51$2.75$0.76
2013Detailed filing. Detailed filing data is available for this year.$30.7$23.0$7.70$2.70$2.82$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.3$21.5$7.82$2.82
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.2$22.4$7.81$2.34
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.6$19.0$7.61$2.22
Latest Detailed Filing

The latest 2023 filing currently has summary financial data only. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Mar 18, 2021
Return Version
2020v4.0
Gross Receipts
$3,862,126
Mission and Program Overview

Mission

To create opportunities that lead to healthy communities and financial stability for all vermonters.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$28,124,119$26,664,416▼ $1,459,703
Savings and Temporary Cash Investments$9,011,381$12,993,382▲ $3,982,001
Investments in Publicly Traded Securities$4,007,051$3,600,319▼ $406,732
Investments Program Related$968,360$1,999,108▲ $1,030,748
Cash and Non-Interest-Bearing Accounts$821,622$1,313,931▲ $492,309
Intangible Assets$146,993$185,766▲ $38,773
Prepaid Expenses and Deferred Charges$23,372$41,401▲ $18,029
Land, Buildings, and Equipment, Net$50,020$35,444▼ $14,576
Total Assets$43,152,918$46,833,767▲ $3,680,849
Liabilities
Unsecured Notes Loans Payable$24,393,180$27,038,136▲ $2,644,956
Mortgage Notes Payable Secured by Investment Property$5,748,056$5,526,367▼ $221,689
Accounts Payable and Accrued Expenses$307,385$329,775▲ $22,390
Other Liabilities$140,255$140,787▲ $532
Deferred Revenue$113,480$85,586▼ $27,894
Total Liabilities$30,702,356$33,120,651▲ $2,418,295
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$9,985,289$10,792,753▲ $807,464
Net Assets With Donor Restrictions$2,465,273$2,920,363▲ $455,090
Total Net Assets Fund Balance$12,450,562$13,713,116▲ $1,262,554
Total Liabilities and Net Assets / Fund Balance$43,152,918$46,833,767▲ $3,680,849

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$35,158$148,866$184,024
Leasehold Improvements$286$15,823$16,109
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
William BelongiaExecutive DiFT$178,122$11,231$189,353
William BelongiaExecutive Director-$174,783$14,570$189,353
Jake IdeEmployeeFT$107,393$7,695$115,088

Board Members and Trustees

NameTitle
Janet SpitlerPresident
Arne HammarlundMember
Ira MarvinMember
Jim MalandMember
Jose AguayoMember
Kim KeiserMember
Alec BarclaySecretary
Gwen PokaloTreasurer
Nicki SteelVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$1,931,623
Program Service Revenue
$1,784,185
Investment Income
$101,586
Other Revenue
$44,732
All Other Contributions
$1,174,626
Change in Net Assets
$1,262,554

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,862,126
Total Revenue per Audited Statements
$3,862,126
Total Revenue per Form 990
$3,862,126
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,471,216
Other Expenses$888,621
Grants and Similar Amounts Paid$239,735
Total Fundraising Expense$89,033
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$888,519$58,818$59,235$1,006,572
Interest$506,109--$506,109
Grants to Domestic Orgs$239,735--$239,735
Current Officers, Directors, Trustees, and Key Employees-$178,122-$178,122
Other Employee Benefits$105,161$28,042$7,011$140,214
Payroll Taxes$71,072$18,952$4,738$94,762
Occupancy$62,227$16,594$4,149$82,970
Pension Plan Contributions$38,660$10,309$2,577$51,546
Advertising$36,650-$4,072$40,722
Fees for Services Accounting-$35,621-$35,621
Depreciation Depletion$22,811$6,083$1,521$30,415
Other Expenses$16,472$25,835$1,830$18,302
Insurance$10,973$2,926$732$14,631
Office Expenses$4,283$1,142$286$5,711
Fees for Services Legal$633$1,900-$2,533
Travel$299$80$20$399
All Other Expenses$-55,824$12,931$2,862$-40,031
Total Functional Expenses$2,113,184$397,355$89,033$2,599,572

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,599,572
Total Expenses per Audited Statements$2,599,572
Total Expenses per Form 990$2,599,572
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
NaturepedicChagrin Falls, OH--$66,450
Crj Consulting Group L3Brattleboro, VT--$40,080
Agricultural Digesters LLCWilliston, VT--$33,714
Center for Women & Enterprise IncBoston, MA--$30,000
Assoc for Africans Living in VtBurlington, VT--$19,435
Ne Farm EnergyBurlington, VT--$17,600
Alliance for a Just SocietySeattle, WA--$10,000
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
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Borrower Deposits$140,787
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
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, Page 6, Part VI, Line 11B

“The finance committee of the board of directors reviews and approves the form 990 prior to filing.”

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

“Vclf monitors and enforces their conflict of interest policy by having board members sign the conflict of interest policy annually attesting to knowledge of the policy and compliance with disclosure.”

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

“The exective director's salary is determined by the executive committee of the board of directors with input from recent salary surveys of similar organizations.”

Form 990, Page 6, Part VI, Line 19

“The financial statement audit reports and annual reports are available on the vermont community loan fund wesbsite and upon request.”

Filing and Contact Details

Filer

Filer Name
Vermont Community Loan Fund
EIN
22-2864900
Phone
8022231448
Address
PO BOX 827, MONTPELIER, VT 05601

Signing Officer

Name
William Belongia
Title
Executive Director
Phone
8022231448
Signed
2021-03-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William Belongia
Formed
1987
Voting Board Members
9
Independent Board Members
9
Employees
17

Preparer

Firm
Kittell Branagan & Sargent
Address
154 N MAIN ST, ST ALBANS, VT 05478
Preparer
Andrew Bachand CPA
Phone
8025249531
Raw XML AppendixShowing 400 of 568 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.

Path#Value
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IRS990/Desc0THE ORGANIZATION IS A MISSION-DRIVEN, COMMUNITY-FOCUSED ALTERNATIVE LENDER. WE MAKE LOANS TO LOCAL BUSINESSES, COMMUNITY ORGANIZATIONS & NONPROFITS, CHILD CARE PROVIDERS AND DEVELOPERS OF AFFORDABLE HOUSING WHO DON'T QUALIFY FOR A LOAN FROM A TRADITIONAL LENDER. WE COMBINE OUR LOANS WITH FINANCIAL CONSULTING AND BUSINESS DEVELOPMENT SERVICES TO MAKE SURE OUR BORROWERS HAVE ACCESS TO ALL THE TOOLS THEY NEED TO SUCCEED.
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