Civic Intelligence

Community Lenders Community Development Corporation

990 • Fiscal year 2018 • EIN 23-3002271

Jul 01, 2017 to Jun 30, 2018 • Filed on Oct 26, 2018

Organization ProfileWWW.COMMUNITYLENDERSPA.ORG
120 E Broad Street No 2Souderton, PA 18964

(215) 799-1340

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.99x

Higher debt load relative to assets than 93% of similar nonprofits.

2018 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2018

Liabilities / Revenue

99th percentile

20.01x

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

2018 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2018

Net Margin

42nd percentile

1.7%

Higher net margin than 42% of similar nonprofits.

2018 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2018

Top Officer Pay

9th percentile

$67,900

Higher top officer pay than 9% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

2018 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2018

Asset Growth

84th percentile

17%

Faster asset growth than 84% of similar nonprofits.

2018 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Revenue Growth

63rd percentile

9.6%

Faster revenue growth than 63% of similar nonprofits.

2018 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$40,106,586

Up $5,964,812 (+17%) from 2017

Net Assets

Up

$227,177

Up $34,292 (+18%) from 2017

Liabilities

Up

$39,879,409

Up $5,930,520 (+17%) from 2017

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin42nd percentile

Revenue

Up

$1,992,577

Up $174,358 (+9.6%) from 2017

Expenses

Up

$1,958,285

Up $157,015 (+8.7%) from 2017

Net Income

Up

$34,292

Up $17,343 (+102%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth84th percentile

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

$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

2018

Assets$40,106,586
Liabilities$39,879,409
Net Assets$227,177
Open 2018 Filing

Operations Trend

Revenue Growth63rd percentile

Revenue, expenses, and net income across loaded years, with this 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

2018

Revenue$1,992,577
Expenses$1,958,285
Net Income$34,292
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2017 to Jun 30, 2018
Signed
Oct 26, 2018
Return Version
2017v2.3
Gross Receipts
$1,992,577
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 loan 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$33,111,827$38,992,181▲ $5,880,354
Savings and Temporary Cash Investments$695,327$840,414▲ $145,087
Cash and Non-Interest-Bearing Accounts$96,097$49,210▼ $46,887
Accounts Receivable$10,000$5,000▼ $5,000
Land, Buildings, and Equipment, Net$5,056$3,138▼ $1,918
Prepaid Expenses and Deferred Charges$430$430→ $0
Total Assets$34,141,774$40,106,586▲ $5,964,812
Other Assets Total$223,037$216,213▼ $6,824
Liabilities
Unsecured Notes Loans Payable$33,704,587$39,649,331▲ $5,944,744
Escrow Account Liability$223,037$216,213▼ $6,824
Accounts Payable and Accrued Expenses$8,015$8,865▲ $850
Other Liabilities$13,250$5,000▼ $8,250
Total Liabilities$33,948,889$39,879,409▲ $5,930,520
Net Assets / Fund Balance
Unrestricted Net Assets$192,885$227,177▲ $34,292
Total Net Assets Fund Balance$192,885$227,177▲ $34,292
Total Liabilities and Net Assets / Fund Balance$34,141,774$40,106,586▲ $5,964,812

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$3,138$21,471$24,609
Investment Program Related Org$38,992,181--
Compensation and Service Providers
Top Officer Pay9th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Audrey McmichaelExecutive DirectorFT$67,900$67,900

Board Members and Trustees

NameTitle
Mary Jane CorzelChair
John VenturaVice Chair
Brian FordDirector
Clarence MartindellDirector
Dana CrouseDirector
Ed GallagherDirector
Elizabeth GoldenDirector
Elizabeth LeDirector
Erik ClareDirector
James DannaDirector
James DouglasDirector
James WhittonDirector
Jim WestgateDirector
Kate SheperdDirector
Kevin GunsDirector
Leo PedrottyDirector
Lindsay Deore-lambertDirector
Lynda HaleyDirector
Marianne LynchDirector
Michael BocichDirector
Morgan CooperDirector
Nicholas DigianivittorioDirector
Patrick RiceDirector
Steve KopenhaverDirector
Suzanna BullottaDirector
Tom WallerDirector
Hanh TieuAssistant Secretary
Judith MembergAssistant Treasurer
Judith HunsickerSecretary
Jeanne FieldsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,987,491
Investment Income
$5,086
Other Revenue
$0
Change in Net Assets
$34,292

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,992,577
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,992,577
Total Revenue per Form 990
$1,992,577
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,877,878
Salaries, Compensation, and Employee Benefits$80,407
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$1,827,844--$1,827,844
Current Officers, Directors, Trustees, and Key Employees$27,576$27,576-$55,152
Other Salaries and Wages$9,092$9,093-$18,185
Office Expenses$2,668$6,281-$8,949
Fees for Services Accounting-$7,555-$7,555
Payroll Taxes$3,535$3,535-$7,070
Information Technology$609$6,374-$6,983
Advertising-$6,917-$6,917
Insurance-$5,924-$5,924
Occupancy-$5,834-$5,834
Other Expenses-$5,000-$5,000
Depreciation Depletion-$1,918-$1,918
Conferences and Meetings-$954-$954
Total Functional Expenses$1,871,324$86,961$0$1,958,285

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,958,285
Total Expenses per Audited Statements$1,958,285
Total Expenses per Form 990$1,958,285
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
Member Fees Deferred$5,000
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
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, nonreciprocal, 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 documents in the minutes.”

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

“The executive director's 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 the entire board. The board completes the second phase of the review. The compensation is then a reflection of the review, activity generated for the organization, the current economy, and the experience of the board. The executive director does not receive any benefits, this is also weighted into any compensation changes. The organization also reviews similar organizations. 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 struction 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
EIN
23-3002271
Phone
2157991340
Address
120 E BROAD STREET NO 2, SOUDERTON, PA 18964

Signing Officer

Name
Audrey Mcmichael
Title
Executive Director
Phone
2157991340
Signed
2018-10-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mary Jane Corzel
Formed
1999
Legal Domicile
Pa
Voting Board Members
30
Independent Board Members
30
Employees
2
Volunteers
0

Preparer

Firm
St Clair Cpas Pc
Address
101 W ELM STREET STE 500, CONSHOHOCKEN, PA 19428
Preparer
Michael Mostochuk CPA
Phone
6108621998
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The organization has not made any changes to its oversight process or selection process during the tax year.”

Financial Statement Notes

PART IV, LINE 2B:

“Escrow liability arrangement explanation the organization has signed agreements to act as escrow agent to hold and administer various funds for a customer. These funds are to be held in an interest bearing investment account until disbursement. The organization does not retain title to these funds and performs solely as escrow agent.”

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IRS990/Form990PartVIISectionAGrp/PersonNm14LEO PEDROTTY
IRS990/Form990PartVIISectionAGrp/PersonNm15KEVIN GUNS
IRS990/Form990PartVIISectionAGrp/PersonNm16CLARENCE MARTINDELL
IRS990/Form990PartVIISectionAGrp/PersonNm17JIM WESTGATE
IRS990/Form990PartVIISectionAGrp/PersonNm18ED GALLAGHER
IRS990/Form990PartVIISectionAGrp/PersonNm19SUZANNA BULLOTTA
IRS990/Form990PartVIISectionAGrp/PersonNm20NICHOLAS DIGIANIVITTORIO
IRS990/Form990PartVIISectionAGrp/PersonNm21TOM WALLER
IRS990/Form990PartVIISectionAGrp/PersonNm22BRIAN FORD
IRS990/Form990PartVIISectionAGrp/PersonNm23JAMES WHITTON
IRS990/Form990PartVIISectionAGrp/PersonNm24MORGAN COOPER
IRS990/Form990PartVIISectionAGrp/PersonNm25JAMES DOUGLAS
IRS990/Form990PartVIISectionAGrp/PersonNm26JAMES DANNA
IRS990/Form990PartVIISectionAGrp/PersonNm27ERIK CLARE
IRS990/Form990PartVIISectionAGrp/PersonNm28MARIANNE LYNCH
IRS990/Form990PartVIISectionAGrp/PersonNm29LYNDA HALEY
IRS990/Form990PartVIISectionAGrp/PersonNm30AUDREY MCMICHAEL
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt250
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt270
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt280
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt290
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt300
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3ASSISTANT TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5ASSISTANT SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt25DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt26DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt27DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt28DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt29DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt30EXECUTIVE DIRECTOR
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IRS990/GamingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01992577
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt030
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
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IRS990/InformationTechnologyGrp/ProgramServicesAmt0609
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IRS990/InsuranceGrp/ManagementAndGeneralAmt05924
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IRS990/LobbyingActivitiesInd00
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IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt190704
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt190704
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt255990
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt35000
IRS990/ProhibitedTaxShelterTransInd00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$40,106,586
Liabilities
$39,879,409
Net assets
$227,177
Revenue
$1,992,577
Expenses
$1,958,285
Net income
$34,292
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
Peer Organizations

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