Civic Intelligence

Community First Fund

990 • Fiscal year 2018 • EIN 23-2689714

Jul 01, 2017 to Jun 30, 2018 • Filed on Feb 07, 2019

Organization ProfileWWW.COMMUNITYFIRSTFUND.ORG

View Organization Page

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

84th percentile

0.78x

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

2018 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2018

Liabilities / Revenue

95th percentile

6.80x

Higher debt load relative to revenue than 95% of similar nonprofits.

2018 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2018

Net Margin

43rd percentile

2.3%

Higher net margin than 43% of similar nonprofits.

2018 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2018

Top Officer Pay

35th percentile

$268,536

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 4.0% of source-year revenue.

2018 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2018

Asset Growth

95th percentile

47%

Faster asset growth than 95% of similar nonprofits.

2018 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Revenue Growth

73rd percentile

15%

Faster revenue growth than 73% of similar nonprofits.

2018 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets84th percentile

Assets

Flat

$59,541,742

Flat from 2018

Net Assets

Flat

$13,354,912

Flat from 2018

Liabilities

Flat

$46,186,830

Flat from 2018

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin43rd percentile

Revenue

Flat

$6,796,379

Flat from 2018

Expenses

Flat

$6,639,496

Flat from 2018

Net Income

Flat

$156,883

Flat from 2018

Historical Trend

Balance Sheet Trend

Asset Growth95th 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 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

2018

Assets$59,541,742
Liabilities$46,186,830
Net Assets$13,354,912
Open 2018 Filing

Operations Trend

Revenue Growth73rd 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 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

2018

Revenue$6,796,379
Expenses$6,639,496
Net Income$156,883
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2017 to Jun 30, 2018
Signed
Feb 7, 2019
Return Version
2017v2.3
Gross Receipts
$6,796,379
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$30,334,121$41,778,494▲ $11,444,373
Cash and Non-Interest-Bearing Accounts$6,333,561$8,536,802▲ $2,203,241
Loans From Officers Directors$3,450,000$3,450,000→ $0
Savings and Temporary Cash Investments$1,507,222$3,335,760▲ $1,828,538
Investments in Publicly Traded Securities-$3,002,117-
Land, Buildings, and Equipment, Net$2,065,383$2,018,451▼ $46,932
Pledges and Grants Receivable$70,361$332,962▲ $262,601
Accounts Receivable$72,500$89,733▲ $17,233
Prepaid Expenses and Deferred Charges$29,474$47,423▲ $17,949
Receivable From Disqualified Prsn$8,512--
Total Assets$40,421,134$59,541,742▲ $19,120,608
Other Assets Total-$400,000-
Liabilities
Mortgage Notes Payable Secured by Investment Property$20,810,858$26,864,537▲ $6,053,679
Other Liabilities$9,407,500$13,007,500▲ $3,600,000
Deferred Revenue$362,990$2,205,535▲ $1,842,545
Accounts Payable and Accrued Expenses$360,323$659,258▲ $298,935
Total Liabilities$34,391,671$46,186,830▲ $11,795,159
Net Assets / Fund Balance
Unrestricted Net Assets$5,734,227$13,061,146▲ $7,326,919
Permanently Rstr Net Assets$295,236$293,766▼ $1,470
Total Net Assets Fund Balance$6,029,463$13,354,912▲ $7,325,449
Total Liabilities and Net Assets / Fund Balance$40,421,134$59,541,742▲ $19,120,608

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,189,717$45,283$1,235,000
Leasehold Improvements$600,332$51,579$651,911
Equipment$228,402$37,594$265,996
Compensation and Service Providers
Top Officer Pay35th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Daniel BetancourtPresident &FT$212,371$56,165$268,536
Daniel BetancourtPresident & CEO-$212,371$56,165$268,536
James BuergerSenior VP-$142,003$28,411$170,414
Joan BrodheadExec VP & Co-$136,940$24,129$161,069
Joan BrodheadExec VP & COO-$136,940$24,129$161,069
Daniel BeckVP Comm Lend-$100,776$15,868$116,644
Ken HammakerVP Comm Lend-$89,866$21,143$111,009
Keith BookertVP Finance &-$91,185$15,769$106,954
Ramon EstevezVP Loan Admi-$82,717$24,137$106,854
Lucy CortezVP Comm Lend-$76,290$23,680$99,970
Jill BollingerVP Comm Lend-$84,623$12,648$97,271
Ellen SvrcekVP Marketing-$73,349$14,479$87,828
John ScottVP Comm Lend-$60,748$254$61,002

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$2,392,938
Program Service Revenue
$4,403,441
Investment Income
$0
Other Revenue
$0
All Other Contributions
$1,671,965
Change in Net Assets
$156,883
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,845,043
Salaries, Compensation, and Employee Benefits$2,794,453
Total Fundraising Expense$417,812
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,925,249$86,950$168,295$2,180,494
Interest$929,953$9,819-$939,772
Other Employee Benefits$406,967$18,380$35,575$460,922
Fees for Services Other$172,353$130,873-$303,226
Fees for Services Legal$100,152$76,049-$176,201
Payroll Taxes$135,122$6,103$11,812$153,037
Office Expenses$129,714$7,982$14,408$152,104
Occupancy$126,838$5,729$11,087$143,654
Advertising$61,760$26,532$39,797$128,089
Travel$101,186$4,570$8,845$114,601
Depreciation Depletion$69,989$3,161$6,118$79,268
All Other Expenses$72,096$1,306$2,527$75,929
Conferences and Meetings$34,733$13,893$20,840$69,466
Other Expenses$46,860$2,116$4,096$53,072
Fees for Services Accounting$22,266$16,908-$39,174
Insurance$23,626$1,067$2,065$26,758
Total Functional Expenses$5,749,364$472,320$417,812$6,639,496
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$3,450,000$3,450,000→ $0
Receivables from Disqualified Persons$8,512--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Equity Equivalent Investments$13,007,500
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
PO BOX 524, LANCASTER, PA 17608-0524

Signing Officer

Name
Daniel Betancourt
Title
President & CEO
Phone
7173932351
Signed
2019-02-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Daniel Betancourt
Formed
1992
Legal Domicile
Pa
Voting Board Members
11
Independent Board Members
10
Employees
35
Volunteers
16

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 from subsidiary 7,168,566”

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 2014, 2015, 2016, and 2017. The tax years subject to examination by the state jurisdiction are unlimited.”

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT &
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IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11SENIOR VP
IRS990/Form990PartVIISectionAGrp/TitleTxt12EXEC VP & CO
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP COMM LEND
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP FINANCE &
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP COMM LEND
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP COMM LEND
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP LOAN ADMI
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP COMM LEND
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP COMM LEND
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IRS990/InterestGrp/ProgramServicesAmt0929953
IRS990/InterestGrp/TotalAmt0939772
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IRS990/LandBldgEquipAccumDeprecAmt0134456
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02065383
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02018451
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IRS990/LoansFromOfficersDirectorsGrp/EOYAmt03450000
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IRS990/MembersOrStockholdersInd0false
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IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO 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.
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IRS990/OccupancyGrp/ManagementAndGeneralAmt05729
IRS990/OccupancyGrp/ProgramServicesAmt0126838
IRS990/OccupancyGrp/TotalAmt0143654
IRS990/OfficeExpensesGrp/FundraisingAmt014408
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt07982
IRS990/OfficeExpensesGrp/ProgramServicesAmt0129714
IRS990/OfficeExpensesGrp/TotalAmt0152104
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
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IRS990/OtherChangesInNetAssetsAmt07168566
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt035575
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt018380
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0406967
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0460922
IRS990/OtherExpensesGrp/Desc0LOAN LOSS PROVISION
IRS990/OtherExpensesGrp/Desc1NEW MARKET TAX CREDIT EXP
IRS990/OtherExpensesGrp/Desc2DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/FundraisingAmt087796
IRS990/OtherExpensesGrp/FundraisingAmt14551
IRS990/OtherExpensesGrp/FundraisingAmt24096
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt058531
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt12351
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt22116
IRS990/OtherExpensesGrp/ProgramServicesAmt01192107
IRS990/OtherExpensesGrp/ProgramServicesAmt1146327
IRS990/OtherExpensesGrp/ProgramServicesAmt252066
IRS990/OtherExpensesGrp/ProgramServicesAmt346860
IRS990/OtherExpensesGrp/TotalAmt01192107
IRS990/OtherExpensesGrp/TotalAmt1292654
IRS990/OtherExpensesGrp/TotalAmt258968
IRS990/OtherExpensesGrp/TotalAmt353072
IRS990/OtherLiabilitiesGrp/BOYAmt09407500
IRS990/OtherLiabilitiesGrp/EOYAmt013007500
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt0168295
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt086950
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01925249
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IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
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IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt029474
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt047423
IRS990/PrincipalOfficerNm0DANIEL BETANCOURT
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IRS990/ProgramServiceRevenueGrp/Desc1NEW MARKET TAX CREDIT
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11560403
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2476898
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt313785
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11560403
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2476898
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt313785
IRS990/ProgSrvcAccomActy2Grp/Desc0NEW MARKETS TAX CREDIT PROGRAM TO DATE THE ORGANIZATION WAS GRANTED 90 MILLION OF NEW MARKETS TAX CREDIT ALLOCATION FROM THE US TREASURY. THE ORGANIZATION HAS ENTERED INTO AGREEMENTS WITH INVESTOR MEMBERS TO FUND 13 NEW MARKET TAX CREDIT PROJECTS THROUGHOUT CENTRAL AND EASTERN PA.
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IRS990/PYProgramServiceRevenueAmt03615321
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IRS990/PYSalariesCompEmpBnftPaidAmt02238855
IRS990/PYTotalExpensesAmt04731114
IRS990/PYTotalRevenueAmt05924468
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt011939311
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IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt02

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$59,541,742
Liabilities
$46,186,830
Net assets
$13,354,912
Revenue
$6,796,379
Expenses
$6,639,496
Net income
$156,883
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
2018Detailed filing. Detailed filing data is available for this year.$59.5$46.2$13.4$6.80$6.64$0.16
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