Civic Intelligence

Community Lenders Community

EIN 23-3002271 • 501(c)3 • Souderton, PA

Profile

To promote and facilitate community revitalization through the financing of, and investment in, housing and community development activities, which will address the needs of low and moderate income persons and areas.

120 E Broad Street Suite 2Souderton, PA 18964

www.communitylenderspa.org

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.99x

Higher debt load relative to assets than 92% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2025

Liabilities / Revenue

99th percentile

20.14x

Higher debt load relative to revenue than 99% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2025

Net Margin

49th percentile

4.4%

Higher net margin than 49% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2025

Top Officer Pay

8th percentile

$98,259

Higher top officer pay than 8% of similar nonprofits.

Top officer pay equals 3.2% of source-year revenue.

501(c)3 • $50M-$100M nonprofits • Source year 2025

Asset Growth

58th percentile

8.0%

Faster asset growth than 58% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Revenue Growth

71st percentile

20%

Faster revenue growth than 71% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$61,925,659

Up $4,578,025 (+8.0%) from 2024

Liabilities

Up

$61,028,663

Up $4,444,265 (+7.9%) from 2024

Net Assets

Up

$896,996

Up $133,760 (+18%) from 2024

Operations
Liabilities / Revenue99th percentileNet Margin49th percentile

Revenue

Up

$3,030,403

Up $499,238 (+20%) from 2024

Expenses

Up

$2,896,643

Up $452,583 (+19%) from 2024

Net Income

Up

$133,760

Up $46,655 (+54%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

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

$80M$60M$40M$20M$0Assets 2011: $23,552,806Liabilities 2011: $23,108,223Net Assets 2011: $444,5832011Assets 2012: $23,980,351Liabilities 2012: $23,525,850Net Assets 2012: $454,5012012Assets 2013: $23,962,490Liabilities 2013: $23,450,384Net Assets 2013: $512,1062013Assets 2014: $27,888,009Liabilities 2014: $27,294,252Net Assets 2014: $593,7572014Assets 2015: $33,018,604Liabilities 2015: $32,224,587Net Assets 2015: $794,0172015Assets 2016: $33,266,378Liabilities 2016: $32,429,430Net Assets 2016: $836,9482016Assets 2017: $34,141,774Liabilities 2017: $33,948,889Net Assets 2017: $192,8852017Assets 2018: $40,106,586Liabilities 2018: $39,879,409Net Assets 2018: $227,1772018Assets 2019: $44,761,396Liabilities 2019: $44,466,550Net Assets 2019: $294,8462019Assets 2020: $39,882,209Liabilities 2020: $39,444,221Net Assets 2020: $437,9882020Assets 2021: $39,599,620Liabilities 2021: $39,100,968Net Assets 2021: $498,6522021Assets 2022: $50,531,502Liabilities 2022: $49,956,390Net Assets 2022: $575,1122022Assets 2023: $54,063,262Liabilities 2023: $53,387,131Net Assets 2023: $676,1312023Assets 2024: $57,347,634Liabilities 2024: $56,584,398Net Assets 2024: $763,2362024Assets 2025: $61,925,659Liabilities 2025: $61,028,663Net Assets 2025: $896,9962025

Highlighted filing

2025

Assets$61,925,659
Liabilities$61,028,663
Net Assets$896,996
Open 2025 Filing

Operations Trend

Revenue Growth71st percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2011: $1,461,2052011Expenses 2012: $1,460,3792012Expenses 2013: $1,448,1162013Revenue 2014: $1,594,702Expenses 2014: $1,513,051Net Income 2014: $81,6512014Revenue 2015: $1,828,148Expenses 2015: $1,627,888Net Income 2015: $200,2602015Revenue 2016: $1,839,930Expenses 2016: $1,761,999Net Income 2016: $77,9312016Revenue 2017: $1,818,219Expenses 2017: $1,801,270Net Income 2017: $16,9492017Revenue 2018: $1,992,577Expenses 2018: $1,958,285Net Income 2018: $34,2922018Revenue 2019: $2,282,023Expenses 2019: $2,214,354Net Income 2019: $67,6692019Revenue 2020: $2,414,455Expenses 2020: $2,271,313Net Income 2020: $143,1422020Revenue 2021: $1,879,402Expenses 2021: $1,818,738Net Income 2021: $60,6642021Revenue 2022: $2,129,949Expenses 2022: $2,053,489Net Income 2022: $76,4602022Revenue 2023: $2,512,021Expenses 2023: $2,411,002Net Income 2023: $101,0192023Revenue 2024: $2,531,165Expenses 2024: $2,444,060Net Income 2024: $87,1052024Revenue 2025: $3,030,403Expenses 2025: $2,896,643Net Income 2025: $133,7602025

Highlighted filing

2025

Revenue$3,030,403
Expenses$2,896,643
Net Income$133,760
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$61,925,659
Liabilities
$61,028,663
Net assets
$896,996
Revenue
$3,030,403
Expenses
$2,896,643
Net income
$133,760
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.9$61.0$0.90$3.03$2.90$0.13
2024Detailed filing. Detailed filing data is available for this year.$57.3$56.6$0.76$2.53$2.44$0.09
2023Detailed filing. Detailed filing data is available for this year.$54.1$53.4$0.68$2.51$2.41$0.10
2022Detailed filing. Detailed filing data is available for this year.$50.5$50.0$0.58$2.13$2.05$0.08
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.6$39.1$0.50$1.88$1.82$0.06
2020Detailed filing. Detailed filing data is available for this year.$39.9$39.4$0.44$2.41$2.27$0.14
2019Detailed filing. Detailed filing data is available for this year.$44.8$44.5$0.29$2.28$2.21$0.07
2018Detailed filing. Detailed filing data is available for this year.$40.1$39.9$0.23$1.99$1.96$0.03
2017Detailed filing. Detailed filing data is available for this year.$34.1$33.9$0.19$1.82$1.80$0.02
2016Detailed filing. Detailed filing data is available for this year.$33.3$32.4$0.84$1.84$1.76$0.08
2015Detailed filing. Detailed filing data is available for this year.$33.0$32.2$0.79$1.83$1.63$0.20
2014Detailed filing. Detailed filing data is available for this year.$27.9$27.3$0.59$1.59$1.51$0.08
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.0$23.5$0.51$1.45
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.0$23.5$0.45$1.46
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.6$23.1$0.44$1.46
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Nov 6, 2025
Return Version
2024v5.2
Gross Receipts
$3,030,403
Mission and Program Overview

Mission

To promote and facilitate community revitalization through the financing of, and investment in, housing and community development activities, which will address the needs of low and moderate income persons and areas.

Community lenders community development corporation is a multi-bank lending consortium that provides long-term financing in berks, bucks, chester, delaware, lehigh, montgomery, northampton, and philadelphia counties for projects that address the needs of low and moderate-income persons and areas.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$55,724,220$60,220,607▲ $4,496,387
Savings and Temporary Cash Investments$1,196,118$1,589,806▲ $393,688
Cash and Non-Interest-Bearing Accounts$391,866$77,134▼ $314,732
Accounts Receivable$35,000$35,000→ $0
Land, Buildings, and Equipment, Net$0$2,682▲ $2,682
Prepaid Expenses and Deferred Charges$430$430→ $0
Total Assets$57,347,634$61,925,659▲ $4,578,025
Liabilities
Unsecured Notes Loans Payable$56,532,964$60,984,701▲ $4,451,737
Deferred Revenue$35,000$35,000→ $0
Accounts Payable and Accrued Expenses$16,434$8,962▼ $7,472
Total Liabilities$56,584,398$61,028,663▲ $4,444,265
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$763,236$896,996▲ $133,760
Total Net Assets Fund Balance$763,236$896,996▲ $133,760
Total Liabilities and Net Assets / Fund Balance$57,347,634$61,925,659▲ $4,578,025

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,682$29,598$32,280
Investment Program Related Org$60,220,607--
Compensation and Service Providers
Top Officer Pay8th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Audrey McmichaelExecutive DirectorFT$95,397$2,862$98,259

Board Members and Trustees

NameTitle
Steve KopenhaverChair
John WeberVice Chair
Angelo RamirezDirector
Brian SnyderDirector
Christian LyterDirector
Clarence MartindellDirector
Dan SachoDirector
Dave WalbrandtDirector
Erik ClareDirector
James DannaDirector
James WestgateDirector
James WhittonDirector
Jeanne FieldsDirector
Jennifer SchellDirector
Joe SchuppDirector
Josh ClarksonDirector
Karen PfeiferDirector
Leo PedrottyDirector
Lindsay LambertDirector
Lisa DonnonDirector
Lou CiarlanteDirector
Lynda HaleyDirector
Maren ColonDirector
Patrick RiceDirector
Randy BrooksDirector
Sherwood RobbinsDirector
Stephen PerunDirector
Steven KissDirector
Bruce KnipeAssistant Secretary
Judith MembergAssistant Treasurer
Judith HunsickerSecretary
Kathleen ShepherdTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,977,135
Investment Income
$53,268
Other Revenue
$0
Change in Net Assets
$133,760

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,030,403
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$3,030,403
Total Revenue per Form 990
$3,030,403
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,767,812
Salaries, Compensation, and Employee Benefits$128,831
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$2,696,822--$2,696,822
Current Officers, Directors, Trustees, and Key Employees$47,870$40,723-$88,593
Office Expenses$10,203$20,714-$30,917
Other Salaries and Wages$15,965$13,654-$29,619
Advertising$12,581--$12,581
Fees for Services Accounting$10,755--$10,755
Payroll Taxes$5,431$4,627-$10,058
Other Expenses$2,504$5,083-$7,587
Insurance$819$5,000-$5,819
Fees for Services Other-$2,100-$2,100
Conferences and Meetings-$987-$987
Other Employee Benefits$302$259-$561
Depreciation Depletion$80$164-$244
Total Functional Expenses$2,803,332$93,311$0$2,896,643

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,896,643
Total Expenses per Audited Statements$2,896,643
Total Expenses per Form 990$2,896,643
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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, Part VI, Section A, Line 6

“The organization has members. Their fees are considered voluntary, nonreciprical, and unconditional to the organization and are recorded in the year received.”

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

“The organization provides the form 990 to the board to review in detail before return was filed.”

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

“A conflict of interest disclosure statement is distributed annually at a board meeting. The board members sign off on the form (the majority are collected at the meeting). A master list of board members is kept and any outstanding forms are persued until all are collected. The loan committee monitors the forms and requests any board member to abstain if a conflict is noted and this is documented in the minutes.”

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

“The executive director's compensation process consists of two phases. First, the board president gives the executive director a list of questions to complete (ie. Short-term goals, long-term goals, accomplishments, etc.). The questions are answered and then shared with the executive committee and then either the entire board or selected members of the board. Board members complete the second phase of the review. The compensation is a reflection of the review, activity generated for the organization, the current economy, and the experience of the board. The organization also reviews similar organizations compensation. Salary changes and bonuses are approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“The organization will provide a summary of the activities and structure of the organization and a conflict of interest statement. The financial statements are available on the organization's website and are included on the annual report in an abbreviated format.”

Filing and Contact Details

Filer

Filer Name
Community Lenders Community Development
EIN
23-3002271
Phone
2157991340
Address
120 E BROAD STREET, SOUDERTON, PA 18964

Signing Officer

Name
Audrey Mcmichael
Title
Executive Director
Phone
2157991340
Signed
2025-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steven Kopenhaver
Formed
1999
Legal Domicile
Pa
Voting Board Members
33
Independent Board Members
33
Employees
2
Volunteers
33

Preparer

Firm
Baum Smith & Clemens
Address
2060 DETWILER RD, HARLEYSVILLE, PA 19438
Preparer
Daniel Meuleners
Phone
2153685755
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“The organization is required to recognize, measure, classify and disclose in the financial statements uncertain tax positions taken or expected to be taken in the organization's tax returns. Management has determined the organization does not have any uncertain tax positions and associated unrecognized benefits that materially impact the financial statements or related disclosures.”

Raw XML AppendixShowing 400 of 605 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.

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IRS990/ActivityOrMissionDesc0COMMUNITY LENDERS COMMUNITY DEVELOPMENT CORPORATION IS A MULTI-BANK LENDING CONSORTIUM THAT PROVIDES LONG-TERM FINANCING IN BERKS, BUCKS, CHESTER, DELAWARE, LEHIGH, MONTGOMERY, NORTHAMPTON, AND PHILADELPHIA COUNTIES FOR PROJECTS THAT ADDRESS THE NEEDS OF LOW AND MODERATE-INCOME PERSONS AND AREAS.
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IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt25DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt26DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt29DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt30DIRECTOR
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