Civic Intelligence

Lancaster Housing Opportunity Partnership

990 • Fiscal year 2023 • EIN 23-2788924

Jul 01, 2022 to Jun 30, 2023 • Filed on Apr 23, 2024

Organization ProfileWEARETENFOLD.ORG
308 East King StreetLancaster, PA 17602

(717) 397-5182

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.46x

Higher debt load relative to assets than 73% of similar nonprofits.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2023

Liabilities / Revenue

96th percentile

8.33x

Higher debt load relative to revenue than 96% of similar nonprofits.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2023

Net Margin

16th percentile

-15%

Higher net margin than 16% of similar nonprofits.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2023

Top Officer Pay

31st percentile

$130,343

Higher top officer pay than 31% of similar nonprofits.

Top officer pay equals 20.7% of source-year revenue.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2023

Asset Growth

40th percentile

2.9%

Faster asset growth than 40% of similar nonprofits.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Revenue Growth

9th percentile

-40%

Faster revenue growth than 9% of similar nonprofits.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Flat

$11,400,110

Flat from 2023

Net Assets

Flat

$6,158,994

Flat from 2023

Liabilities

Flat

$5,241,116

Flat from 2023

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin16th percentile

Revenue

Flat

$629,161

Flat from 2023

Expenses

Flat

$720,736

Flat from 2023

Net Income

Flat

-$91,575

Flat from 2023

Historical Trend

Balance Sheet Trend

Asset Growth40th percentile

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

$20M$15M$10M$5.0M$0Assets 2011: $5,534,263Liabilities 2011: $182,292Net Assets 2011: $5,351,9712011Assets 2012: $5,786,531Liabilities 2012: $56,736Net Assets 2012: $5,729,7952012Assets 2013: $6,230,453Liabilities 2013: $60,233Net Assets 2013: $6,170,2202013Assets 2014: $6,444,271Liabilities 2014: $140,763Net Assets 2014: $6,303,5082014Assets 2015: $7,026,017Liabilities 2015: $328,043Net Assets 2015: $6,697,9742015Assets 2016: $8,058,295Liabilities 2016: $721,139Net Assets 2016: $7,337,1562016Assets 2017: $10,313,939Liabilities 2017: $1,329,431Net Assets 2017: $8,984,5082017Assets 2018: $12,138,493Liabilities 2018: $2,489,638Net Assets 2018: $9,648,8552018Assets 2019: $14,255,033Liabilities 2019: $4,011,751Net Assets 2019: $10,243,2822019Assets 2020: $15,483,968Liabilities 2020: $4,933,423Net Assets 2020: $10,550,5452020Assets 2021: $10,642,478Liabilities 2021: $4,652,047Net Assets 2021: $5,990,4312021Assets 2022: $11,075,119Liabilities 2022: $4,824,550Net Assets 2022: $6,250,5692022Assets 2023: $11,400,110Liabilities 2023: $5,241,116Net Assets 2023: $6,158,9942023Assets 2023: $11,400,110Liabilities 2023: $5,241,116Net Assets 2023: $6,158,9942023

Highlighted filing

2023

Assets$11,400,110
Liabilities$5,241,116
Net Assets$6,158,994
Open 2023 Filing

Operations Trend

Revenue Growth9th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2011: $488,7012011Expenses 2012: $525,9392012Expenses 2013: $531,3282013Revenue 2014: $1,012,865Expenses 2014: $819,244Net Income 2014: $193,6212014Revenue 2015: $1,279,394Expenses 2015: $969,470Net Income 2015: $309,9242015Revenue 2016: $996,405Expenses 2016: $782,482Net Income 2016: $213,9232016Revenue 2017: $1,275,451Expenses 2017: $1,025,779Net Income 2017: $249,6722017Revenue 2018: $1,917,685Expenses 2018: $1,253,338Net Income 2018: $664,3472018Revenue 2019: $2,216,809Expenses 2019: $1,622,382Net Income 2019: $594,4272019Revenue 2020: $2,019,377Expenses 2020: $1,712,114Net Income 2020: $307,2632020Revenue 2021: $1,416,791Expenses 2021: $1,195,430Net Income 2021: $221,3612021Revenue 2022: $1,049,418Expenses 2022: $789,280Net Income 2022: $260,1382022Revenue 2023: $629,161Expenses 2023: $720,736Net Income 2023: -$91,5752023Revenue 2023: $629,161Expenses 2023: $720,736Net Income 2023: -$91,5752023

Highlighted filing

2023

Revenue$629,161
Expenses$720,736
Net Income-$91,575
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2022 to Jun 30, 2023
Signed
Apr 23, 2024
Return Version
2022v5.0
Gross Receipts
$629,161
Mission and Program Overview

Mission

To cultivate partnerships and resources to increase the availability of quality, fair, and affordable housing for low to moderate income residents.

Tenfold sparks the power in all people to achieve equitable housing and financial security.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,568,023$8,123,450▼ $444,573
Savings and Temporary Cash Investments$2,178,262$2,914,698▲ $736,436
Accounts Receivable$102,552$181,322▲ $78,770
Cash and Non-Interest-Bearing Accounts$226,282$180,640▼ $45,642
Total Assets$11,075,119$11,400,110▲ $324,991
Liabilities
Unsecured Notes Loans Payable$4,225,000$4,275,000▲ $50,000
Other Liabilities$162,283$887,789▲ $725,506
Accounts Payable and Accrued Expenses$437,267$78,327▼ $358,940
Total Liabilities$4,824,550$5,241,116▲ $416,566
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$4,962,208$4,948,298▼ $13,910
Net Assets With Donor Restrictions$1,288,361$1,210,696▼ $77,665
Total Net Assets Fund Balance$6,250,569$6,158,994▼ $91,575
Total Liabilities and Net Assets / Fund Balance$11,075,119$11,400,110▲ $324,991
Compensation and Service Providers
Top Officer Pay31st percentile

Employees

NameTitleFull / Part TimeOtherTotal
Shelby NaumanCEOPT$130,343$130,343

Board Members and Trustees

NameTitle
Jeff ScheurenChair
Abby TuckerVice Chair (ended 6/30/23)
Brian RocheDirector
Christina OrtegaDirector
Ellen PadillaDirector
Jason HessDirector
Lisa GreenerDirector
Mary KohlerDirector
Randy PattersonDirector
Richard JacksonDirector
Timbrel ChyateeDirector
William GloverDirector
Doug UmbleDirector (ended 6/30/23)
Jill LaskowitzDirector (ended 6/30/23)
Stephanie ReeseDirector (ended 6/30/23)
Katie ZimmermanDirector (ended 7/14/22)
Charity WelchSecretary
Andrew KehlTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$283,560
Program Service Revenue
$0
Investment Income
$345,601
Other Revenue
$0
Change in Net Assets
$-91,575

Audited Revenue Reconciliation

Revenue per Audited Statements
$629,161
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$629,161
Total Revenue per Form 990
$629,161
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$430,345
Salaries, Compensation, and Employee Benefits$290,391
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$194,546$38,736-$233,282
Interest$72,887--$72,887
Other Employee Benefits$31,528$5,396-$36,924
Fees for Services Management$26,103--$26,103
Occupancy$5,152$13,415-$18,567
Payroll Taxes$14,986$2,268-$17,254
Fees for Services Other$11,189--$11,189
Fees for Services Accounting-$10,204-$10,204
Fees for Services Legal$8,275--$8,275
Office Expenses$2,970$3,787-$6,757
Other Expenses$3,999$64-$4,063
Pension Plan Contributions$2,931--$2,931
All Other Expenses$2,300$56-$2,356
Travel$1,581--$1,581
Advertising$640$46-$686
Insurance$44--$44
Total Functional Expenses$633,628$87,108$0$720,736

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$720,736
Total Expenses per Audited Statements$720,736
Total Expenses per Form 990$720,736
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Due to Related Party$562,789
Columbia Borough$325,000
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 7A

“The board of directors of tenfold community lending are selected by the board of directors of tenfold.”

Form 990, Part VI, Section B, Line 11B

“The complete 990 is reviewed by the chief executive officer, chief community investment officer, and board treasurer. Public copies of the 990 are provided to all members of the board of directors before submission.”

Form 990, Part VI, Section B, Line 12C

“The conflict of interest policy is reviewed with all board members at the time they join the board. It is also reviewed annually in board meetings and staff meetings.”

Form 990, Part VI, Section B, Line 15A

“Process for determining compensation includes a review of comparability data and a decision by independent persons.”

Form 990, Part VI, Section C, Line 19

“AVAILABLE UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Tenfold Community Lending
EIN
23-2788924
Phone
7173975182
Address
308 EAST KING STREET, LANCASTER, PA 17602

Signing Officer

Name
Shelby Nauman
Title
CEO
Phone
7173975182
Signed
2024-04-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Shelby Nauman
Formed
1994
Legal Domicile
Pa
Voting Board Members
17
Independent Board Members
17
Employees
7
Volunteers
17

Preparer

Firm
Rkl Llp
Address
3501 CONCORD ROAD STE 250, YORK, PA 17402
Preparer
Douglas L Berman CPA
Phone
7178433804
Supplemental Narrative

Additional Explanations

FORM 990, PART V, LINE 1C:

“The organization did not have any instances where backup withholding was required; however, if the situation would arise, the organization is aware of the reporting requirements and would handle that accordingly.”

FORM 990, PART XII, LINE 2C:

“The process has not changed from the prior year on either its responsibility for oversight of the audit or selection of an independent accountant.”

Financial Statement Notes

PART X, LINE 2:

“The organization adheres to the provisions of financial accounting standards board accounting standards codification (asc) 740, income taxes (asc 740). Asc 740 establishes rules for recognizing and measuring tax positions taken in an income tax return, including disclosures of uncertain tax positions (utps). Asc 740 mandates that organizations evaluate all material income tax positions for periods that remain open under applicable statutes of limitation, as well as positions expected to be taken in future returns. The utp rules then impose a recognition threshold on each tax position. A company can recognize an income tax benefit only if the position has a "more likely than not" (i.e., more than 50 percent) chance of being sustained on the technical merits. For the years ended june 30, 2023 and 2022, the organization has taken no material tax positions on its applicable tax filings that do not meet the more likely than not threshold. As a result, no amounts for uncertain tax positions have been included in the financial statements. Management believes the organization is not subject to income tax examination for years prior to 2020.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR (ENDED 6/30/23)
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR (ENDED 6/30/23)
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR (ENDED 6/30/23)
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR (ENDED 7/14/22)
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IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TENFOLD SPARKS THE POWER IN ALL PEOPLE TO ACHIEVE EQUITABLE HOUSING AND FINANCIAL SECURITY. WE ARE THE TRUSTED COMMUNITY PARTNER INNOVATIVELY BUILDING WEALTH AND ACHIEVING QUALITY, FAIR AND AFFORDABLE HOUSING FOR ALL, THROUGH PROACTIVE COACHING, EDUCATION, LENDING AND ADVOCACY.
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IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt03787
IRS990/OfficeExpensesGrp/ProgramServicesAmt02970
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IRS990/OtherExpensesGrp/Desc1DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc2REPAIRS AND MAINTENANCE
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Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$11,400,110
Liabilities
$5,241,116
Net assets
$6,158,994
Revenue
$629,161
Expenses
$720,736
Net income
-$91,575
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$11.4$5.24$6.16$0.63$0.72$0.09
2023Summary only. Only limited summary data is available for this year.$11.4$5.24$6.16$0.63$0.72$0.09
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.1$4.82$6.25$1.05$0.79$0.26
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.6$4.65$5.99$1.42$1.20$0.22
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.5$4.93$10.6$2.02$1.71$0.31
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.3$4.01$10.2$2.22$1.62$0.59
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.1$2.49$9.65$1.92$1.25$0.66
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.3$1.33$8.98$1.28$1.03$0.25
2016Detailed filing. Detailed filing data is available for this year.$8.06$0.72$7.34$1.00$0.78$0.21
2015Detailed filing. Detailed filing data is available for this year.$7.03$0.33$6.70$1.28$0.97$0.31
2014Detailed filing. Detailed filing data is available for this year.$6.44$0.14$6.30$1.01$0.82$0.19
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.23$0.06$6.17$0.53
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.79$0.06$5.73$0.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.53$0.18$5.35$0.49