Civic Intelligence

Lehigh & Northampton County Revolving Loan Fund

990 • Fiscal year 2020 • EIN 23-2461494

Jul 01, 2019 to Jun 30, 2020 • Filed on May 10, 2021

Organization ProfileWWW.CACLV.ORG
1337 East Fifth StreetBethlehem, PA 18015

(610) 691-5620

Siviq Scores

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

Liabilities / Assets

39th percentile

0.00x

Higher debt load relative to assets than 39% of similar nonprofits.

2020 filings • 501(c)4 • $500k-$1M nonprofits • Source year 2020

Liabilities / Revenue

57th percentile

0.08x

Higher debt load relative to revenue than 57% of similar nonprofits.

2020 filings • 501(c)4 • $500k-$1M nonprofits • Source year 2020

Net Margin

72nd percentile

25%

Higher net margin than 72% of similar nonprofits.

2020 filings • 501(c)4 • $500k-$1M nonprofits • Source year 2020

Top Officer Pay

68th percentile

$0

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2020 filings • 501(c)4 • $500k-$1M nonprofits • Source year 2020

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2020

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2020

Balance Sheet
Liabilities / Assets39th percentile

Assets

$523,438

No earlier filing loaded for comparison.

Net Assets

$522,682

No earlier filing loaded for comparison.

Liabilities

$756

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue57th percentileNet Margin72nd percentile

Revenue

$8,899

No earlier filing loaded for comparison.

Expenses

$6,669

No earlier filing loaded for comparison.

Net Income

$2,230

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$600K$400K$200K$0Assets 2020: $523,438Liabilities 2020: $756Net Assets 2020: $522,6822020Assets 2021: $522,576Liabilities 2021: $1,129Net Assets 2021: $521,4472021

Highlighted filing

2020

Assets$523,438
Liabilities$756
Net Assets$522,682
Open 2020 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10K$5.0K$0-$5.0KRevenue 2020: $8,899Expenses 2020: $6,669Net Income 2020: $2,2302020Revenue 2021: $5,245Expenses 2021: $6,480Net Income 2021: -$1,2352021

Highlighted filing

2020

Revenue$8,899
Expenses$6,669
Net Income$2,230
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2019 to Jun 30, 2020
Signed
May 10, 2021
Return Version
2019v5.0
Gross Receipts
$8,899
Mission and Program Overview

Mission

The organization provides loans to small or start-up business ventures,that may not qualify to bank standards, to improve the social welfare of economically depressed or blighted neighborhoods of the community. Donor/investors have loaned funds for use in program lending at no or below market interest. See schedule o for additional information.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$340,474$396,709▲ $56,235
Cash and Non-Interest-Bearing Accounts$300$2,550▲ $2,250
Total Assets$520,452$523,438▲ $2,986
Other Assets Total$179,678$124,179▼ $55,499
Liabilities
Accounts Payable and Accrued Expenses-$756-
Total Liabilities$0$756▲ $756
Net Assets / Fund Balance
Net Assets With Donor Restrictions$520,452$522,682▲ $2,230
Total Net Assets Fund Balance$520,452$522,682▲ $2,230
Total Liabilities and Net Assets / Fund Balance$520,452$523,438▲ $2,986

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$124,179--
Compensation and Service Providers
Top Officer Pay68th percentile

Board Members and Trustees

NameTitle
Colleen KrcelichPresident
David HammerBoard Member
Elizabeth OritzBoard Member
John W KingsleyBoard Member
Jose Antonio OrtizBoard Member
Karina KaneBoard Member
Lauren TarolaBoard Member
Pat CorporaBoard Member
Sally HandlonBoard Member
Thomas StineBoard Member
Todd WatkinsBoard Member
Wayne BarzBoard Member
Chris JonesSecretary
Kim EdwardsTreasurer
Otis McneilVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,910
Investment Income
$1,989
Other Revenue
$0
Change in Net Assets
$2,230
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$5,322
Other Expenses$1,347
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,644--$3,644
Fees for Services Management-$1,291-$1,291
Other Employee Benefits$1,264--$1,264
Payroll Taxes$398--$398
Other Expenses$34--$34
Fees for Services Other$22--$22
Pension Plan Contributions$16--$16
Total Functional Expenses$5,378$1,291$0$6,669
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
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 4

“On july 1, 2019, the lehigh & northampton county revolving loan fund was acquired as a subsidiary of commuity action committee of the lehigh valley, inc. There were no changes to the organizational documents.”

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

“The form 990 is first reviewed by management, then the governing board is given a copy of the 990 for their review. After all necessary changes are made, if any, the board files the form 990.”

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

“The organization regularly inquires if anyone from the board has a conflict of interest in any vendors, if a conflict is identified, the member with the conflict of interest is not allowed to vote on any decision regarding the vendor.”

Form 990, Page 6, Part VI, Line 19

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

Filing and Contact Details

Filer

Filer Name
Lehigh & Northampton County
EIN
23-2461494
Phone
6106915620
Address
1337 EAST FIFTH STREET, BETHLEHEM, PA 18015

Signing Officer

Name
Colleen Krcelich
Title
President
Phone
6106915620
Signed
2021-05-10

Organization Details

Principal Officer
Colleen Krcelich
Legal Domicile
Pa
Voting Board Members
15
Independent Board Members
15
Employees
0
Volunteers
15

Preparer

Firm
Buckno Lisicky & Company Pc
Address
645 HAMILTON ST SUITE 204, ALLENTOWN, PA 18101
Preparer
David J Marakovits
Phone
6108218580
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“The organization provides loans to small or start-up business ventures,that may not qualify to bank standards, to improve the social welfare of economically depressed or blighted neighborhoods of the community. Donor/investors have loaned funds for use in program lending at no or below market interest. See schedule o for additional information.”

Form 990, Page 12, Part XII, Line 3B

“Single audit done on a consolidated basis for community action committee of the lehigh valley, inc. And subsidiaries.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDE
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION PROVIDES LOANS TO SMALL OR START-UP BUSINESS VENTURES,THAT MAY NOT QUALIFY TO BANK STANDARDS, TO IMPROVE THE SOCIAL WELFARE OF ECONOMICALLY DEPRESSED OR BLIGHTED NEIGHBORHOODS OF THE COMMUNITY. DONOR/INVESTORS HAVE LOANED FUNDS FOR USE IN PROGRAM LENDING AT NO OR BELOW MARKET INTEREST. SEE SCHEDULE O FOR ADDITIONAL INFORMATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ON JULY 1, 2019, THE LEHIGH & NORTHAMPTON COUNTY REVOLVING LOAN FUND WAS ACQUIRED AS A SUBSIDIARY OF COMMUITY ACTION COMMITTEE OF THE LEHIGH VALLEY, INC. THERE WERE NO CHANGES TO THE ORGANIZATIONAL DOCUMENTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 IS FIRST REVIEWED BY MANAGEMENT, THEN THE GOVERNING BOARD IS GIVEN A COPY OF THE 990 FOR THEIR REVIEW. AFTER ALL NECESSARY CHANGES ARE MADE, IF ANY, THE BOARD FILES THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION REGULARLY INQUIRES IF ANYONE FROM THE BOARD HAS A CONFLICT OF INTEREST IN ANY VENDORS, IF A CONFLICT IS IDENTIFIED, THE MEMBER WITH THE CONFLICT OF INTEREST IS NOT ALLOWED TO VOTE ON ANY DECISION REGARDING THE VENDOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION MAKES THEIR GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC, UPON REQUEST AT ITS ADMINISTRATIVE OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5SINGLE AUDIT DONE ON A CONSOLIDATED BASIS FOR COMMUNITY ACTION COMMITTEE OF THE LEHIGH VALLEY, INC. AND SUBSIDIARIES.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 12, PART XII, LINE 3B
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt3NA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingEntityName/BusinessNameLine1Txt4NA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0COMMUNITY ACTION COMMITTE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt1COMMUNITY ACTION DEVELOPMENT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt2COMMUNITY ACTION DEVELOPMENT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt3LEHIGH VALLEY COMMUNITY LAND TRUST
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt4RISING TIDE COMMUNITY LOAN FUND
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0231669589
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501C
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt2501C
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt4501C
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd1PA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd2PA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd3PA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd4PA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0COMM DEV
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt1COMM DEV
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt2COMM DEV
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt3HOUSING
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt4LENDING
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt07
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt17
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt27
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt37
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt47
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt01337 E 5TH STREET
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt11337 E 5TH STREET
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt21337 E 5TH STREET
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt31337 E 5TH STREET
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt41337 E 5TH STREET
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0BETHELHEM
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm1BETHELHEM
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm2BETHELHEM
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm3BETHELHEM
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm4BETHELHEM
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0PA
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd318015
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IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0false
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0true
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0false
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt01535
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0FAIR VALUE
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0CACLV INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0P
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IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0520452
IRS990/TotalAssetsEOYAmt0523438
IRS990/TotalAssetsGrp/BOYAmt0520452
IRS990/TotalAssetsGrp/EOYAmt0523438
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt01291
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt05378
IRS990/TotalFunctionalExpensesGrp/TotalAmt06669
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesEOYAmt0756
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt0756
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0520452
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0522682
IRS990/TotalProgramServiceExpensesAmt05378
IRS990/TotalProgramServiceRevenueAmt06910
IRS990/TotalRevenueGrp/ExclusionAmt01989
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt06910
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt08899
IRS990/TotalVolunteersCnt015
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0520452
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0523438
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt015
IRS990/VotingMembersIndependentCnt015
IRS990/WebsiteAddressTxt0WWW.CACLV.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0COLLEEN KRCELICH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$523,438
Liabilities
$756
Net assets
$522,682
Revenue
$8,899
Expenses
$6,669
Net income
$2,230
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$5.23$0.01$5.21$0.05$0.06$0.01
2020Detailed filing. Detailed filing data is available for this year.$5.23$0.01$5.23$0.09$0.07$0.02