Civic Intelligence

Lancaster Dollars for Higher Learning

990 • Fiscal year 2016 • EIN 23-6414300

Oct 01, 2015 to Sep 30, 2016 • Filed on Jan 03, 2017

Organization ProfileWWW.LANCDOLLARS.ORG
313 W Liberty St Ste 343Lancaster, PA 17603

(717) 397-7920

Siviq Scores

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

Liabilities / Assets

9th percentile

0.00x

Higher debt load relative to assets than 9% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

12th percentile

0.02x

Higher debt load relative to revenue than 12% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Net Margin

32nd percentile

-2.1%

Higher net margin than 32% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M 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

42nd percentile

-0.1%

Faster asset growth than 42% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

73rd percentile

14%

Faster revenue growth than 73% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets9th percentile

Assets

Down

$5,192,040

Down $4,618 (-0.1%) from 2015

Net Assets

Down

$5,186,539

Down $2,666 (-0.1%) from 2015

Liabilities

Down

$5,501

Down $1,952 (-26%) from 2015

Revenue And Expenses
Liabilities / Revenue12th percentileNet Margin32nd percentile

Revenue

Up

$318,238

Up $39,413 (+14%) from 2015

Expenses

Up

$324,859

Up $60,047 (+23%) from 2015

Net Income

Down

-$6,621

Down $20,634 (-147%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth42nd percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $5,509,248Liabilities 2010: $857Net Assets 2010: $5,508,3912010Assets 2011: $5,685,916Liabilities 2011: $470Net Assets 2011: $5,685,4462011Assets 2012: $5,838,879Liabilities 2012: $0Net Assets 2012: $5,838,8792012Assets 2015: $5,196,658Liabilities 2015: $7,453Net Assets 2015: $5,189,2052015Assets 2016: $5,192,040Liabilities 2016: $5,501Net Assets 2016: $5,186,5392016Assets 2017: $5,149,560Liabilities 2017: $4,310Net Assets 2017: $5,145,2502017Assets 2019: $5,729,421Liabilities 2019: $7,322Net Assets 2019: $5,722,0992019Assets 2020: $5,824,401Liabilities 2020: $2,861Net Assets 2020: $5,821,5402020Assets 2021: $6,218,329Liabilities 2021: $897Net Assets 2021: $6,217,4322021Assets 2022: $5,692,827Liabilities 2022: $2,028Net Assets 2022: $5,690,7992022

Highlighted filing

2016

Assets$5,192,040
Liabilities$5,501
Net Assets$5,186,539
Open 2016 Filing

Operations Trend

Revenue Growth73rd percentile

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

$400K$200K$0-$200KExpenses 2010: $51,5812010Expenses 2011: $59,7832011Expenses 2012: $122,5062012Revenue 2015: $278,825Expenses 2015: $264,812Net Income 2015: $14,0132015Revenue 2016: $318,238Expenses 2016: $324,859Net Income 2016: -$6,6212016Revenue 2017: $282,406Expenses 2017: $321,446Net Income 2017: -$39,0402017Revenue 2019: $259,674Expenses 2019: $301,137Net Income 2019: -$41,4632019Revenue 2020: $269,351Expenses 2020: $176,718Net Income 2020: $92,6332020Revenue 2021: $328,816Expenses 2021: $225,677Net Income 2021: $103,1392021Revenue 2022: $398,162Expenses 2022: $281,840Net Income 2022: $116,3222022

Highlighted filing

2016

Revenue$318,238
Expenses$324,859
Net Income-$6,621
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2015 to Sep 30, 2016
Signed
Jan 3, 2017
Return Version
2015v3.0
Gross Receipts
$1,018,623
Mission and Program Overview

Mission

The mission of the organization is to help full-time college students achieve their goals by providing interest-free tuition loans.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$3,922,563$3,828,852▼ $93,711
Savings and Temporary Cash Investments$921,153$957,256▲ $36,103
Investments in Publicly Traded Securities$253,946$251,111▼ $2,835
Cash and Non-Interest-Bearing Accounts$98,996$154,071▲ $55,075
Prepaid Expenses and Deferred Charges-$375-
Total Assets$5,196,658$5,192,040▼ $4,618
Other Assets Total-$375-
Liabilities
Accounts Payable and Accrued Expenses$7,453$5,501▼ $1,952
Total Liabilities$7,453$5,501▼ $1,952
Net Assets / Fund Balance
Unrestricted Net Assets$5,189,205$5,186,539▼ $2,666
Total Net Assets Fund Balance$5,189,205$5,186,539▼ $2,666
Total Liabilities and Net Assets / Fund Balance$5,196,658$5,192,040▼ $4,618

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$3,828,852--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Ann WombleExecutive DiFT$20,000$20,000

Board Members and Trustees

NameTitle
Wanda WharePresident
Lisa LewisPresident-el
Adam BillsBoard Member
Alan SutterBoard Member
Amber KregerBoard Member
Brian HazlettBoard Member
Cindy LonerganBoard Member
Dennis KluckBoard Member
Jean BednarskiBoard Member
Jeffrey J WorleyBoard Member
Jessica H LongBoard Member
Madelyn BuckwalterBoard Member
Nina MoragneBoard Member
Paul FazziniAssistant Tr
Eileen ZaledonisSecretary
Kay a BrubakerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$150,865
Program Service Revenue
$153,978
Investment Income
$13,245
Other Revenue
$150
All Other Contributions
$150,865
Change in Net Assets
$-6,621
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$244,984
Salaries, Compensation, and Employee Benefits$79,875
Total Fundraising Expense$23,854
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$42,043--$42,043
Current Officers, Directors, Trustees, and Key Employees$20,000-$20,000$40,000
Other Salaries and Wages$33,090--$33,090
Office Expenses$28,734$453$2,966$32,153
Fees for Services Accounting-$15,500-$15,500
Information Technology$11,791--$11,791
Fees for Services Legal-$9,153-$9,153
Payroll Taxes$5,897-$888$6,785
Fees for Service Investment Mgmnt Fees-$3,090-$3,090
Insurance$2,008--$2,008
Advertising$2,000--$2,000
Fees for Services Other$1,318--$1,318
Total Functional Expenses$272,809$28,196$23,854$324,859
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
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“The treasurer of the organization reviews the form 990 before processing.”

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

“The board votes on and approves any salary or pay raise.”

Form 990, Page 6, Part VI, Line 19

“All governing documents, policies, and financial statements are available upon request. The 990 return can be also viewed on guidestar's website.”

Filing and Contact Details

Filer

Filer Name
Lancaster Dollars for Higher
EIN
23-6414300
Phone
7173977920
Address
313 W LIBERTY ST STE 343, LANCASTER, PA 17603

Signing Officer

Name
Kay a Brubaker
Title
Treasurer
Phone
7173977920
Signed
2017-01-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ann Womble
Formed
1961
Legal Domicile
Pa
Voting Board Members
16
Independent Board Members
16
Employees
2
Volunteers
16

Preparer

Firm
Simon Lever Llp
Address
444 MURRY HILL CIRCLE, LANCASTER, PA 17601
Preparer
Andrew L Steckbeck
Phone
7175697081
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IRS990/OtherExpensesGrp/TotalAmt0125928
IRS990/OtherExpensesGrp/TotalAmt142043
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/ExclusionAmt0150
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0150
IRS990/OtherRevenueTotalAmt0150
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt033090
IRS990/OtherSalariesAndWagesGrp/TotalAmt033090
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt0888
IRS990/PayrollTaxesGrp/ProgramServicesAmt05897
IRS990/PayrollTaxesGrp/TotalAmt06785
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0375
IRS990/PrincipalOfficerNm0ANN WOMBLE
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0LOAN ACCRETION
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0153978
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0153978
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0109477
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt08640
IRS990/PYOtherExpensesAmt0218375
IRS990/PYOtherRevenueAmt01360
IRS990/PYProgramServiceRevenueAmt0159348
IRS990/PYRevenuesLessExpensesAmt014013
IRS990/PYSalariesCompEmpBnftPaidAmt046437
IRS990/PYTotalExpensesAmt0264812
IRS990/PYTotalRevenueAmt0278825
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0-6621
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RevenueAmt0153978
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0921153
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0957256
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0OTHER INCOME 2,170
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0150865
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0109477
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt023599
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0109824
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0272276
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0666041
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt013630
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt08614
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt03900
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt03764
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt02468
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt032376
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0153978
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt0150
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt01360
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt0810
IRS990ScheduleA/OtherIncome170Grp/TotalAmt02320
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.37380
IRS990ScheduleA/PublicSupportPY170Pct00.26960
IRS990ScheduleA/PublicSupportTotal170Amt0261901
IRS990ScheduleA/SubstantialContributorsTotAmt0404140
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0150865
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0109477
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt023599
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0109824
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0272276
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0666041
IRS990ScheduleA/TotalSupportAmt0700737
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt03828852
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0STUDENT LOANS RECEIVABLE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueProgramRltdAmt03828852
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE TREASURER OF THE ORGANIZATION REVIEWS THE FORM 990 BEFORE PROCESSING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD VOTES ON AND APPROVES ANY SALARY OR PAY RAISE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. THE 990 RETURN CAN BE ALSO VIEWED ON GUIDESTAR'S WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0PA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05196658
IRS990/TotalAssetsEOYAmt05192040
IRS990/TotalAssetsGrp/BOYAmt05196658
IRS990/TotalAssetsGrp/EOYAmt05192040
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0150865
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt023854
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt028196
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0272809
IRS990/TotalFunctionalExpensesGrp/TotalAmt0324859
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07453
IRS990/TotalLiabilitiesEOYAmt05501
IRS990/TotalLiabilitiesGrp/BOYAmt07453
IRS990/TotalLiabilitiesGrp/EOYAmt05501
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05189205
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05186539
IRS990/TotalProgramServiceExpensesAmt0272809
IRS990/TotalProgramServiceRevenueAmt0153978
IRS990/TotalReportableCompFromOrgAmt020000
IRS990/TotalRevenueGrp/ExclusionAmt013395
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0153978
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0318238
IRS990/TotalVolunteersCnt016
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05196658
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05192040
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$5,192,040
Liabilities
$5,501
Net assets
$5,186,539
Revenue
$318,238
Expenses
$324,859
Net income
-$6,621
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.69$0.00$5.69$0.40$0.28$0.12
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.22$0.00$6.22$0.33$0.23$0.10
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.82$0.00$5.82$0.27$0.18$0.09
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.73$0.01$5.72$0.26$0.30$0.04
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.15$0.00$5.15$0.28$0.32$0.04
2016Detailed filing. Detailed filing data is available for this year.$5.19$0.01$5.19$0.32$0.32$0.01
2015Detailed filing. Detailed filing data is available for this year.$5.20$0.01$5.19$0.28$0.26$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.84$0.00$5.84$0.12
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.69$0.00$5.69$0.06
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.51$0.00$5.51$0.05
Peer Organizations

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