Civic Intelligence

Community First Fund

990 • Fiscal year 2016 • EIN 23-2689714

Jul 01, 2015 to Jun 30, 2016 • Filed on Feb 01, 2017

Organization ProfileWWW.COMMFIRSTFUND.ORG

View Organization Page

30 West Orange St PO Box 524Lancaster, PA 17608-0524

(717) 393-2351

Siviq Scores

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

Liabilities / Assets

87th percentile

0.85x

Higher debt load relative to assets than 87% of similar nonprofits.

2016 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

94th percentile

5.18x

Higher debt load relative to revenue than 94% of similar nonprofits.

2016 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2016

Net Margin

88th percentile

33%

Higher net margin than 88% of similar nonprofits.

2016 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2016

Asset Growth

87th percentile

21%

Faster asset growth than 87% of similar nonprofits.

2016 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

81st percentile

20%

Faster revenue growth than 81% of similar nonprofits.

2016 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$37,093,825

Up $6,486,613 (+21%) from 2015

Net Assets

Up

$5,484,342

Up $1,305,903 (+31%) from 2015

Liabilities

Up

$31,609,483

Up $5,180,710 (+20%) from 2015

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin88th percentile

Revenue

Up

$6,101,679

Up $996,842 (+20%) from 2015

Expenses

Up

$4,101,621

Up $571,444 (+16%) from 2015

Net Income

Up

$2,000,058

Up $425,398 (+27%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth87th percentile

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

$150M$100M$50M$0Assets 2011: $18,107,115Liabilities 2011: $14,698,954Net Assets 2011: $3,408,1612011Assets 2012: $21,385,276Liabilities 2012: $18,186,828Net Assets 2012: $3,198,4482012Assets 2013: $23,826,849Liabilities 2013: $20,574,616Net Assets 2013: $3,252,2332013Assets 2014: $27,634,380Liabilities 2014: $24,518,174Net Assets 2014: $3,116,2062014Assets 2015: $30,607,212Liabilities 2015: $26,428,773Net Assets 2015: $4,178,4392015Assets 2016: $37,093,825Liabilities 2016: $31,609,483Net Assets 2016: $5,484,3422016Assets 2017: $40,421,134Liabilities 2017: $34,391,671Net Assets 2017: $6,029,4632017Assets 2018: $59,541,742Liabilities 2018: $46,186,830Net Assets 2018: $13,354,9122018Assets 2019: $65,690,024Liabilities 2019: $49,746,210Net Assets 2019: $15,943,8142019Assets 2020: $80,851,659Liabilities 2020: $62,575,507Net Assets 2020: $18,276,1522020Assets 2021: $129,035,730Liabilities 2021: $80,678,124Net Assets 2021: $48,357,6062021Assets 2022: $141,866,844Liabilities 2022: $84,012,640Net Assets 2022: $57,854,2042022Assets 2023: $124,298,152Liabilities 2023: $83,493,413Net Assets 2023: $40,804,7392023Assets 2024: $146,347,142Liabilities 2024: $91,022,592Net Assets 2024: $55,324,5502024

Highlighted filing

2016

Assets$37,093,825
Liabilities$31,609,483
Net Assets$5,484,342
Open 2016 Filing

Operations Trend

Revenue Growth81st percentile

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

$60M$40M$20M$0Expenses 2011: $2,947,7642011Expenses 2012: $2,650,1862012Expenses 2013: $2,680,1802013Revenue 2014: $4,008,443Expenses 2014: $3,605,757Net Income 2014: $402,6862014Revenue 2015: $5,104,837Expenses 2015: $3,530,177Net Income 2015: $1,574,6602015Revenue 2016: $6,101,679Expenses 2016: $4,101,621Net Income 2016: $2,000,0582016Revenue 2017: $5,924,468Expenses 2017: $4,731,114Net Income 2017: $1,193,3542017Revenue 2018: $6,796,379Expenses 2018: $6,639,496Net Income 2018: $156,8832018Revenue 2019: $8,713,110Expenses 2019: $6,413,387Net Income 2019: $2,299,7232019Revenue 2020: $12,560,846Expenses 2020: $10,773,357Net Income 2020: $1,787,4892020Revenue 2021: $44,963,943Expenses 2021: $34,774,915Net Income 2021: $10,189,0282021Revenue 2022: $17,453,841Expenses 2022: $8,134,382Net Income 2022: $9,319,4592022Revenue 2023: $17,328,667Expenses 2023: $13,047,440Net Income 2023: $4,281,2272023Revenue 2024: $22,595,432Expenses 2024: $14,738,819Net Income 2024: $7,856,6132024

Highlighted filing

2016

Revenue$6,101,679
Expenses$4,101,621
Net Income$2,000,058
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2015 to Jun 30, 2016
Signed
Feb 1, 2017
Return Version
2015v3.0
Gross Receipts
$6,101,679
Mission and Program Overview

Mission

To promote community and work-based economic development. The organization provides loans for community projects and technical assistance to housing & economic development projects that have a direct and measurable benefit to low income persons and contribute to social progress and economic development in the south central pennsylvania region.

To provide loans and technical assistance to housing & economic development projects that have a direct and measurable benefit for low income persons and contribute to social progress and economic development.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$21,713,549$27,149,652▲ $5,436,103
Cash and Non-Interest-Bearing Accounts$7,005,952$6,149,708▼ $856,244
Savings and Temporary Cash Investments$179,859$2,026,641▲ $1,846,782
Loans From Officers Directors$1,450,000$1,450,000→ $0
Receivable From Disqualified Prsn$834,746$781,725▼ $53,021
Land, Buildings, and Equipment, Net$767,253$732,841▼ $34,412
Pledges and Grants Receivable$99,081$148,852▲ $49,771
Accounts Receivable$2,284$65,000▲ $62,716
Prepaid Expenses and Deferred Charges$4,488$39,406▲ $34,918
Total Assets$30,607,212$37,093,825▲ $6,486,613
Liabilities
Mortgage Notes Payable Secured by Investment Property$18,697,625$21,855,462▲ $3,157,837
Other Liabilities$4,907,500$6,407,500▲ $1,500,000
Deferred Revenue$1,138,295$1,588,140▲ $449,845
Accounts Payable and Accrued Expenses$235,353$308,381▲ $73,028
Total Liabilities$26,428,773$31,609,483▲ $5,180,710
Net Assets / Fund Balance
Unrestricted Net Assets$3,887,469$5,190,688▲ $1,303,219
Permanently Rstr Net Assets$290,970$293,654▲ $2,684
Total Net Assets Fund Balance$4,178,439$5,484,342▲ $1,305,903
Total Liabilities and Net Assets / Fund Balance$30,607,212$37,093,825▲ $6,486,613

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$398,173$191,713$589,886
Equipment$2,485$579,060$581,545
Leasehold Improvements$222,183$165,264$387,447
Land$110,000-$110,000
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Daniel BetancourtPresident &FT$161,719$32,786$194,505
Daniel BetancourtPresident & CEO-$161,719$32,786$194,505
James BuergerSenior VPFT$112,587$30,068$142,655
Joan BrodheadSenior VP &FT$115,364$24,090$139,454
Keith BookertVP Finance &FT$98,680$21,153$119,833
Daniel BeckVP Comm LendFT$92,591$15,590$108,181

Board Members and Trustees

NameTitle
R Eric MenzerChairman
Carlos LopezVice Chair
Cheryl D Holland-jonesBoard Member
David a SchankweilerBoard Member
Gerald W MeckBoard Member
Jonathan EncarnacionBoard Member
Nancy Kurland PhdBoard Member
Samuel T Cooper IiiBoard Member
Sonia HuntzingerBoard Member
Marilyn HedgeSecretary
H David LougheryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$2,850,297
Program Service Revenue
$3,251,381
Investment Income
$1
Other Revenue
$0
All Other Contributions
$533,906
Change in Net Assets
$2,000,058
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,209,111
Salaries, Compensation, and Employee Benefits$1,892,510
Total Fundraising Expense$214,492
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$734,400$50,994$70,245$855,639
Interest$626,772$20,282-$647,054
Current Officers, Directors, Trustees, and Key Employees$498,627$34,621$47,693$580,941
Other Employee Benefits$304,432$21,138$29,119$354,689
Fees for Services Other$141,302$24,040-$165,342
Office Expenses$117,147$8,751$12,081$137,979
Advertising$115,465$8,351$11,504$135,320
Occupancy$107,429$7,460$10,276$125,165
Payroll Taxes$89,372$4,992$6,877$101,241
Conferences and Meetings$53,135$3,689$5,082$61,906
Depreciation Depletion$39,701$2,757$3,797$46,255
Travel$38,402$2,666$3,673$44,741
Fees for Services Accounting$30,379$5,169-$35,548
Other Expenses$33,188$2,463$3,392$33,188
Insurance$23,016$1,598$2,201$26,815
Fees for Services Legal$13,606$2,315-$15,921
All Other Expenses$6,167--$6,167
Total Functional Expenses$3,679,635$207,494$214,492$4,101,621
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$1,450,000$1,450,000→ $0
Receivables from Disqualified Persons$834,746$781,725▼ $53,021
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Equity Equivalent Investments$6,407,500
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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

“Ceo compensation is reviewed during the budget process and approved by the board of directors.”

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

“Compensation for officers and key employees is reviewed during the budget process and approved by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“The organization makes its governing documents, conflict of interest policy, financial statements and form 990 available to the public upon request at the organization's headquarters.”

Filing and Contact Details

Filer

Filer Name
Community First Fund
EIN
23-2689714
Phone
7173932351
Address
30 WEST ORANGE ST PO BOX 524, LANCASTER, PA 17608-0524

Signing Officer

Name
Daniel Betancourt
Title
President & CEO
Phone
7173932351
Signed
2017-02-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Daniel Betancourt
Formed
1992
Legal Domicile
Pa
Voting Board Members
12
Independent Board Members
11
Employees
23
Volunteers
21

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 promote community and work-based economic development. The organization provides loans for community projects and technical assistance to housing & economic development projects that have a direct and measurable benefit to low income persons and contribute to social progress and economic development in the south central pennsylvania region.”

Form 990, Part XI, Line 9

“Transfer to subsidiary -694,155 total -694,155”

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 2012, 2013, 2014, and 2015. The yax years subject to examination by the state jurisdiction are unlimited.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
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IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SENIOR VP &
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IRS990/Form990PartVIISectionAGrp/TitleTxt14VP FINANCE &
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IRS990/OccupancyGrp/ManagementAndGeneralAmt07460
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IRS990/OperateHospitalInd0false
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IRS990/OtherChangesInNetAssetsAmt0-694155
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IRS990/OtherExpensesGrp/FundraisingAmt13392
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt06208
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt12463
IRS990/OtherExpensesGrp/ProgramServicesAmt0582216
IRS990/OtherExpensesGrp/ProgramServicesAmt189412
IRS990/OtherExpensesGrp/ProgramServicesAmt235467
IRS990/OtherExpensesGrp/ProgramServicesAmt333188
IRS990/OtherExpensesGrp/TotalAmt0582216
IRS990/OtherExpensesGrp/TotalAmt1104172
IRS990/OtherExpensesGrp/TotalAmt241322
IRS990/OtherExpensesGrp/TotalAmt333188
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IRS990/OtherSalariesAndWagesGrp/FundraisingAmt070245
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IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0734400
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IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt06877
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt04992
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IRS990/PoliticalCampaignActyInd0false
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt039406
IRS990/PrincipalOfficerNm0DANIEL BETANCOURT
IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1917271
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2179536
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt386009
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02068565
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1917271
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2179536
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt386009
IRS990/ProgSrvcAccomActy2Grp/Desc0NEW MARKETS TAX CREDIT PROGRAM TO DATE THE ORGANIZATION WAS GRANTED 45 MILLION OF NEW MARKETS TAX CREDIT ALLOCATION FROM THE US TREASURY. THE ORGANIZATION HAS ENTERED INTO AGREEMENTS WITH INVESTOR MEMBERS TO FUND SEVEN NEW MARKET TAX CREDIT PROJECTS THROUGHOUT CENTRAL AND EASTERN PA.
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IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0917271
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IRS990/PYContributionsGrantsAmt02713135
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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$37,093,825
Liabilities
$31,609,483
Net assets
$5,484,342
Revenue
$6,101,679
Expenses
$4,101,621
Net income
$2,000,058
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$146$91.0$55.3$22.6$14.7$7.86
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$124$83.5$40.8$17.3$13.0$4.28
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$142$84.0$57.9$17.5$8.13$9.32
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$129$80.7$48.4$45.0$34.8$10.2
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$80.9$62.6$18.3$12.6$10.8$1.79
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$65.7$49.7$15.9$8.71$6.41$2.30
2018Summary only. Only limited summary data is available for this year.$59.5$46.2$13.4$6.80$6.64$0.16
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.4$34.4$6.03$5.92$4.73$1.19
2016Detailed filing. Detailed filing data is available for this year.$37.1$31.6$5.48$6.10$4.10$2.00
2015Detailed filing. Detailed filing data is available for this year.$30.6$26.4$4.18$5.10$3.53$1.57
2014Detailed filing. Detailed filing data is available for this year.$27.6$24.5$3.12$4.01$3.61$0.40
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.8$20.6$3.25$2.68
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.4$18.2$3.20$2.65
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.1$14.7$3.41$2.95