Civic Intelligence

Lancaster Dollars for Higher Learning

990 • Fiscal year 2021 • EIN 23-6414300

Oct 01, 2020 to Sep 30, 2021 • Filed on Feb 10, 2022

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.

2021 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2021

Liabilities / Revenue

11th percentile

0.00x

Higher debt load relative to revenue than 11% of similar nonprofits.

2021 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2021

Net Margin

75th percentile

31%

Higher net margin than 75% of similar nonprofits.

2021 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2021

Top Officer Pay

22nd percentile

$0

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2021 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2021

Asset Growth

43rd percentile

6.8%

Faster asset growth than 43% of similar nonprofits.

2021 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2020 to 2021

Revenue Growth

62nd percentile

22%

Faster revenue growth than 62% of similar nonprofits.

2021 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets9th percentile

Assets

Up

$6,218,329

Up $393,928 (+6.8%) from 2020

Net Assets

Up

$6,217,432

Up $395,892 (+6.8%) from 2020

Liabilities

Down

$897

Down $1,964 (-69%) from 2020

Revenue And Expenses
Liabilities / Revenue11th percentileNet Margin75th percentile

Revenue

Up

$328,816

Up $59,465 (+22%) from 2020

Expenses

Up

$225,677

Up $48,959 (+28%) from 2020

Net Income

Up

$103,139

Up $10,506 (+11%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth43rd 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

2021

Assets$6,218,329
Liabilities$897
Net Assets$6,217,432
Open 2021 Filing

Operations Trend

Revenue Growth62nd 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

2021

Revenue$328,816
Expenses$225,677
Net Income$103,139
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2020 to Sep 30, 2021
Signed
Feb 10, 2022
Return Version
2020v4.0
Gross Receipts
$336,276
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$3,323,797$2,960,299▼ $363,498
Investments in Publicly Traded Securities$2,184,616$2,470,282▲ $285,666
Savings and Temporary Cash Investments$29,802$567,036▲ $537,234
Cash and Non-Interest-Bearing Accounts$271,491$205,928▼ $65,563
Prepaid Expenses and Deferred Charges$13,153$14,242▲ $1,089
Intangible Assets$1,167$167▼ $1,000
Total Assets$5,824,401$6,218,329▲ $393,928
Other Assets Total$375$375→ $0
Liabilities
Accounts Payable and Accrued Expenses$2,861$897▼ $1,964
Total Liabilities$2,861$897▼ $1,964
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$5,067,016$5,458,908▲ $391,892
Net Assets With Donor Restrictions$754,524$758,524▲ $4,000
Total Net Assets Fund Balance$5,821,540$6,217,432▲ $395,892
Total Liabilities and Net Assets / Fund Balance$5,824,401$6,218,329▲ $393,928

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$2,960,299--
Compensation and Service Providers
Top Officer Pay22nd percentile

Board Members and Trustees

NameTitle
Jean BednarskiPresident
Aaron MarinesBoard Member
Bunnie BuckwalterBoard Member
Cindy CiuffoBoard Member
Donna FulmerBoard Member
James LeeBoard Member
Jonas KennedyBoard Member
Kay BrubakerBoard Member
Mark NewkirkBoard Member
Patrick CarneyBoard Member
Robin GoriniBoard Member
Linda SchroederAsst. Treasu
Cathy KettermanSecretary
Jay ShannonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$126,957
Program Service Revenue
$139,090
Investment Income
$60,800
Other Revenue
$1,969
All Other Contributions
$126,957
Change in Net Assets
$103,139
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$167,365
Salaries, Compensation, and Employee Benefits$58,312
Total Fundraising Expense$12,767
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$10,475$32,830$11,077$54,382
Office Expenses$9,541$9,122-$18,663
Fees for Service Investment Mgmnt Fees-$17,312-$17,312
Information Technology$15,645--$15,645
Fees for Services Accounting-$12,894-$12,894
Occupancy$989$3,115$840$4,944
Payroll Taxes$757$2,499$674$3,930
Insurance$3,220--$3,220
Other Expenses$1,502--$1,502
All Other Expenses$1,144$20$176$1,340
Depreciation Depletion-$1,000-$1,000
Advertising$175--$175
Total Functional Expenses$134,118$78,792$12,767$225,677
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
No
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
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
Jean Bednarski
Title
President
Phone
7173977920
Signed
2022-02-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jean Bednarski
Formed
1961
Legal Domicile
Pa
Voting Board Members
14
Independent Board Members
14
Employees
2
Volunteers
21

Preparer

Firm
Simon Lever LLC
Address
147 W AIRPORT RD, LITITZ, PA 17543
Preparer
Rebecca Walck
Phone
7175697081
Raw XML AppendixShowing 400 of 446 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0true
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02861
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0897
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0THE MISSION OF THE ORGANIZATION IS TO HELP FULL-TIME COLLEGE STUDENTS ACHIEVE THEIR GOALS BY PROVIDING INTEREST-FREE TUITION LOANS.
IRS990/AdvertisingGrp/ProgramServicesAmt0175
IRS990/AdvertisingGrp/TotalAmt0175
IRS990/AllOtherContributionsAmt0126957
IRS990/AllOtherExpensesGrp/FundraisingAmt0176
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt020
IRS990/AllOtherExpensesGrp/ProgramServicesAmt01144
IRS990/AllOtherExpensesGrp/TotalAmt01340
IRS990/AuditCommitteeInd0false
IRS990/BooksInCareOfDetail/PersonNm0JAY SHANNON
IRS990/BooksInCareOfDetail/PhoneNum07173977920
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0313 W LIBERTY ST STE 343
IRS990/BooksInCareOfDetail/USAddress/CityNm0LANCASTER
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd017603
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0271491
IRS990/CashNonInterestBearingGrp/EOYAmt0205928
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0126957
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt060800
IRS990/CYOtherExpensesAmt0167365
IRS990/CYOtherRevenueAmt01969
IRS990/CYProgramServiceRevenueAmt0139090
IRS990/CYRevenuesLessExpensesAmt0103139
IRS990/CYSalariesCompEmpBnftPaidAmt058312
IRS990/CYTotalExpensesAmt0225677
IRS990/CYTotalFundraisingExpenseAmt012767
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0328816
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt01000
IRS990/DepreciationDepletionGrp/TotalAmt01000
IRS990/Desc0LOANS FOR COLLEGE STUDENTS - FUNDS ARE LOANED INTEREST-FREE TO STUDENTS WHO ARE EXPECTED TO REPAY LOANS AFTER GRADUATION. THERE WERE 253 NEW LOANS EXTENDED DURING THE YEAR ENDED SEPTEMBER 30, 2021.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRestrictionNetAssetsGrp/BOYAmt0754524
IRS990/DonorRestrictionNetAssetsGrp/EOYAmt0758524
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt0134118
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt012894
IRS990/FeesForServicesAccountingGrp/TotalAmt012894
IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt017312
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt017312
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt05.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt15.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt35.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt123.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt131.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/PersonNm0JEAN BEDNARSKI
IRS990/Form990PartVIISectionAGrp/PersonNm1JAY SHANNON
IRS990/Form990PartVIISectionAGrp/PersonNm2CATHY KETTERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm3LINDA SCHROEDER
IRS990/Form990PartVIISectionAGrp/PersonNm4AARON MARINES
IRS990/Form990PartVIISectionAGrp/PersonNm5DONNA FULMER
IRS990/Form990PartVIISectionAGrp/PersonNm6MARK NEWKIRK
IRS990/Form990PartVIISectionAGrp/PersonNm7JONAS KENNEDY
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES LEE
IRS990/Form990PartVIISectionAGrp/PersonNm9BUNNIE BUCKWALTER
IRS990/Form990PartVIISectionAGrp/PersonNm10KAY BRUBAKER
IRS990/Form990PartVIISectionAGrp/PersonNm11PATRICK CARNEY
IRS990/Form990PartVIISectionAGrp/PersonNm12CINDY CIUFFO
IRS990/Form990PartVIISectionAGrp/PersonNm13ROBIN GORINI
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3ASST. TREASU
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01961
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/SecuritiesAmt033105
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt014
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt040565
IRS990/GrossReceiptsAmt0336276
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt014
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt015645
IRS990/InformationTechnologyGrp/TotalAmt015645
IRS990/InsuranceGrp/ProgramServicesAmt03220
IRS990/InsuranceGrp/TotalAmt03220
IRS990/IntangibleAssetsGrp/BOYAmt01167
IRS990/IntangibleAssetsGrp/EOYAmt0167
IRS990/InvestmentIncomeGrp/ExclusionAmt027695
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt027695
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt03323797
IRS990/InvestmentsProgramRelatedGrp/EOYAmt02960299
IRS990/InvestmentsPubTradedSecGrp/BOYAmt02184616
IRS990/InvestmentsPubTradedSecGrp/EOYAmt02470282
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0PA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt07460
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0THE MISSION OF THE ORGANIZATION IS TO HELP FULL-TIME COLLEGE STUDENTS ACHIEVE THEIR GOALS BY PROVIDING INTEREST-FREE TUITION LOANS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05821540
IRS990/NetAssetsOrFundBalancesEOYAmt06217432
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt033105
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt033105
IRS990/NetUnrlzdGainsLossesInvstAmt0292753
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt05067016
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt05458908
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt0840
IRS990/OccupancyGrp/ManagementAndGeneralAmt03115
IRS990/OccupancyGrp/ProgramServicesAmt0989
IRS990/OccupancyGrp/TotalAmt04944
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt09122
IRS990/OfficeExpensesGrp/ProgramServicesAmt09541
IRS990/OfficeExpensesGrp/TotalAmt018663
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0375
IRS990/OtherAssetsTotalGrp/EOYAmt0375
IRS990/OtherExpensesGrp/Desc0IMPTD INT. ON PROG. LOANS
IRS990/OtherExpensesGrp/Desc1BAD DEBT
IRS990/OtherExpensesGrp/Desc2BANK CHARGES
IRS990/OtherExpensesGrp/Desc3COLLECTIONS FEES
IRS990/OtherExpensesGrp/ProgramServicesAmt070800
IRS990/OtherExpensesGrp/ProgramServicesAmt117965
IRS990/OtherExpensesGrp/ProgramServicesAmt21905
IRS990/OtherExpensesGrp/ProgramServicesAmt31502
IRS990/OtherExpensesGrp/TotalAmt070800
IRS990/OtherExpensesGrp/TotalAmt117965
IRS990/OtherExpensesGrp/TotalAmt21905
IRS990/OtherExpensesGrp/TotalAmt31502
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/ExclusionAmt01969
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01969
IRS990/OtherRevenueTotalAmt01969
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt011077
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt032830
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt010475
IRS990/OtherSalariesAndWagesGrp/TotalAmt054382
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt0674
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt02499
IRS990/PayrollTaxesGrp/ProgramServicesAmt0757
IRS990/PayrollTaxesGrp/TotalAmt03930
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt013153
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt014242
IRS990/PrincipalOfficerNm0JEAN BEDNARSKI
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/Desc0LOAN ACCRETION
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0139090
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0139090
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt065239
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt046344
IRS990/PYOtherExpensesAmt0117324
IRS990/PYOtherRevenueAmt02579
IRS990/PYProgramServiceRevenueAmt0155189
IRS990/PYRevenuesLessExpensesAmt092633
IRS990/PYSalariesCompEmpBnftPaidAmt059394
IRS990/PYTotalExpensesAmt0176718
IRS990/PYTotalRevenueAmt0269351
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0103139
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RevenueAmt0139090
IRS990/SavingsAndTempCashInvstGrp/BOYAmt029802
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0567036
IRS990ScheduleA/FactsAndCircumstancesTestTxt0THE ORGANIZATION RECEIVED ONE LARGE CONTRIBUTION TOTALING 757,274 FROM AN UNRELATED CHARITABLE TRUST IN FISCAL YEAR 2018. A LARGE CONTRIBUTION WAS ALSO RECEIVED FROM THIS TRUST IN FISCAL YEAR 2017 (66,028). ALTHOUGH TOTAL DONATIONS IN THE CURRENT YEAR WERE 126,957, THEY REPRESENTED APPROXIMATELY 240 DIFFERENT DONORS. THE ORGANIZATION RECEIVES MORE THAN 10% OF ITS SUPPORT FROM THE UNRELATED PUBLIC, BUT DUE TO THE LARGE DOLLAR AMOUNT OF THE CHARITABLE TRUST'S GIFTS, AND THE FACT THAT THE ORGANIZATION IS IN THE PROCESS OF BUILDING UP ITS DONOR BASE IN TERMS OF DOLLAR VOLUME AND AMOUNT OF CONTRIBUTORS, THE 33 1/3% PUBLIC CHARITY TEST WAS NOT MET. ALL MONIES RECEIVED ARE USED FOR INTEREST FREE LOANS FOR COLLEGE TUITON. THE PROGRAM IS ADVERTISED TO THE PUBLIC IN THE LANCASTER COUNTY AREA AND APPLICATIONS ARE SUBMITTED TO THE GOVERNING BODY WHICH REPRESENTS THE BROAD INTEREST OF THE PUBLIC. THE CURRENT PROGRAM LOANS BALANCE REPRESENTS APPROXIMATELY 1,200 DIFFERENT INDIVIDUALS WHO HAVE BENEFITED FROM THE INTEREST FREE LOANS. THE ORGANIZATION IS OPERATED TO ATTRACT NEW PUBLIC AND GOVERNMENTAL SUPPORT.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0OTHER INCOME 3,406
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt1THE ORGANIZATION RECEIVED ONE LARGE CONTRIBUTION TOTALING 757,274 FROM AN UNRELATED CHARITABLE TRUST IN FISCAL YEAR 2018. A LARGE CONTRIBUTION WAS ALSO RECEIVED FROM THIS TRUST IN FISCAL YEAR 2017 (66,028). ALTHOUGH TOTAL DONATIONS IN THE CURRENT YEAR WERE 126,957, THEY REPRESENTED APPROXIMATELY 240 DIFFERENT DONORS. THE ORGANIZATION RECEIVES MORE THAN 10% OF ITS SUPPORT FROM THE UNRELATED PUBLIC, BUT DUE TO THE LARGE DOLLAR AMOUNT OF THE CHARITABLE TRUST'S GIFTS, AND THE FACT THAT THE ORGANIZATION IS IN THE PROCESS OF BUILDING UP ITS DONOR BASE IN TERMS OF DOLLAR VOLUME AND AMOUNT OF CONTRIBUTORS, THE 33 1/3% PUBLIC CHARITY TEST WAS NOT MET. ALL MONIES RECEIVED ARE USED FOR INTEREST FREE LOANS FOR COLLEGE TUITON. THE PROGRAM IS ADVERTISED TO THE PUBLIC IN THE LANCASTER COUNTY AREA AND APPLICATIONS ARE SUBMITTED TO THE GOVERNING BODY WHICH REPRESENTS THE BROAD INTEREST OF THE PUBLIC. THE CURRENT PROGRAM LOANS BALANCE REPRESENTS APPROXIMATELY 1,200 DIFFERENT INDIVIDUALS WHO HAVE BENEFITED FROM THE INTEREST FREE LOANS. THE ORGANIZATION IS OPERATED TO ATTRACT NEW PUBLIC AND GOVERNMENTAL SUPPORT.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc1PART II, LINE 17A
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0126957
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt065239
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt043509
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0821710
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0119002
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01176417
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt027695
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt043264
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt052024
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt038332
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt016946
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0178261
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0599162
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt01969
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt0600
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt01110
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt01036
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt0660
IRS990ScheduleA/OtherIncome170Grp/TotalAmt05375
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.26290
IRS990ScheduleA/PublicSupportPY170Pct00.24650
IRS990ScheduleA/PublicSupportTotal170Amt0357519
IRS990ScheduleA/SubstantialContributorsTotAmt0818898
IRS990ScheduleA/TenPctFactsCrcmstncsTestCYInd0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0126957
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt065239
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt043509
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0821710
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0119002
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01176417
IRS990ScheduleA/TotalSupportAmt01360089
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus3YearsAmt036
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt036
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/BookValueAmt02960299
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0STUDENT LOANS RECEIVABLE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueProgramRltdAmt02960299
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/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05824401
IRS990/TotalAssetsEOYAmt06218329
IRS990/TotalAssetsGrp/BOYAmt05824401
IRS990/TotalAssetsGrp/EOYAmt06218329
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0126957
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt012767
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt078792
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0134118
IRS990/TotalFunctionalExpensesGrp/TotalAmt0225677
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02861
IRS990/TotalLiabilitiesEOYAmt0897
IRS990/TotalLiabilitiesGrp/BOYAmt02861
IRS990/TotalLiabilitiesGrp/EOYAmt0897
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05821540
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06217432
IRS990/TotalProgramServiceExpensesAmt0134118
IRS990/TotalProgramServiceRevenueAmt0139090
IRS990/TotalRevenueGrp/ExclusionAmt062769
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0139090
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0328816

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$6,218,329
Liabilities
$897
Net assets
$6,217,432
Revenue
$328,816
Expenses
$225,677
Net income
$103,139
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

Similar nonprofits based on the same Siviq industry and scale cohort. 2021 filings • 501(c)3 • $5M-$10M nonprofits