Civic Intelligence

Eastern Lenders Association

EIN 30-0178919 • 501(c)6 • Towson, MD

Profile

To improve efficiency, communication and working relationships between members and hud.

One West Pennsylvania 550Towson, MD 21204

www.easternlenders.com

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2022

Liabilities / Revenue

50th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2022

Net Margin

63rd percentile

7.3%

Higher net margin than 63% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

62nd percentile

4.6%

Faster asset growth than 62% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2021 to 2022

Revenue Growth

97th percentile

201%

Faster revenue growth than 97% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets49th percentile

Assets

Down

$345,289

Down $2,462 (-0.7%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Down

$345,289

Down $2,462 (-0.7%) from 2023

Operations
Liabilities / Revenue50th percentileNet Margin63rd percentile

Revenue

Up

$311,465

Up $31,040 (+11%) from 2023

Expenses

Down

$313,927

Down $26,766 (-7.9%) from 2023

Net Income

Up

-$2,462

Up $57,806 (+96%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth62nd percentile

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

$600K$400K$200K$0Assets 2014: $219,217Liabilities 2014: $0Net Assets 2014: $219,2172014Assets 2015: $259,274Liabilities 2015: $0Net Assets 2015: $259,2742015Assets 2016: $386,521Liabilities 2016: $0Net Assets 2016: $386,5212016Assets 2017: $338,750Liabilities 2017: $0Net Assets 2017: $338,7502017Assets 2018: $320,075Liabilities 2018: $0Net Assets 2018: $320,0752018Assets 2019: $300,429Liabilities 2019: $0Net Assets 2019: $300,4292019Assets 2020: $337,599Liabilities 2020: $0Net Assets 2020: $337,5992020Assets 2021: $390,642Liabilities 2021: $0Net Assets 2021: $390,6422021Assets 2022: $408,550Liabilities 2022: $0Net Assets 2022: $408,5502022Assets 2023: $347,751Liabilities 2023: $0Net Assets 2023: $347,7512023Assets 2024: $345,289Liabilities 2024: $0Net Assets 2024: $345,2892024

Highlighted filing

2024

Assets$345,289
Liabilities$0
Net Assets$345,289
Open 2024 Filing

Operations Trend

Revenue Growth97th percentile

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

$400K$200K$0-$200KRevenue 2014: $292,175Expenses 2014: $277,969Net Income 2014: $14,2062014Revenue 2015: $243,000Expenses 2015: $202,943Net Income 2015: $40,0572015Revenue 2016: $313,400Expenses 2016: $186,153Net Income 2016: $127,2472016Revenue 2017: $124,078Expenses 2017: $171,849Net Income 2017: -$47,7712017Revenue 2018: $157,427Expenses 2018: $176,102Net Income 2018: -$18,6752018Revenue 2019: $220,133Expenses 2019: $239,779Net Income 2019: -$19,6462019Revenue 2020: $233,007Expenses 2020: $195,837Net Income 2020: $37,1702020Revenue 2021: $83,358Expenses 2021: $30,315Net Income 2021: $53,0432021Revenue 2022: $251,275Expenses 2022: $232,952Net Income 2022: $18,3232022Revenue 2023: $280,425Expenses 2023: $340,693Net Income 2023: -$60,2682023Revenue 2024: $311,465Expenses 2024: $313,927Net Income 2024: -$2,4622024

Highlighted filing

2024

Revenue$311,465
Expenses$313,927
Net Income-$2,462
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$345,289
Liabilities
$0
Net assets
$345,289
Revenue
$311,465
Expenses
$313,927
Net income
-$2,462
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.45$0.00$3.45$3.11$3.14$0.02
2023Detailed filing. Detailed filing data is available for this year.$3.48$0.00$3.48$2.80$3.41$0.60
2022Detailed filing. Detailed filing data is available for this year.$4.09$0.00$4.09$2.51$2.33$0.18
2021Detailed filing. Detailed filing data is available for this year.$3.91$0.00$3.91$0.83$0.30$0.53
2020Detailed filing. Detailed filing data is available for this year.$3.38$0.00$3.38$2.33$1.96$0.37
2019Detailed filing. Detailed filing data is available for this year.$3.00$0.00$3.00$2.20$2.40$0.20
2018Detailed filing. Detailed filing data is available for this year.$3.20$0.00$3.20$1.57$1.76$0.19
2017Detailed filing. Detailed filing data is available for this year.$3.39$0.00$3.39$1.24$1.72$0.48
2016Detailed filing. Detailed filing data is available for this year.$3.87$0.00$3.87$3.13$1.86$1.27
2015Detailed filing. Detailed filing data is available for this year.$2.59$0.00$2.59$2.43$2.03$0.40
2014Detailed filing. Detailed filing data is available for this year.$2.19$0.00$2.19$2.92$2.78$0.14
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 22, 2025
Return Version
2024v5.1
Gross Receipts
$311,465
Mission and Program Overview

Mission

TO IMPROVE EFFICIENCY,

To improve efficiency, communication and working relationships between members and hud.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$347,751$345,289▼ $2,462
Cash and Non-Interest-Bearing Accounts$347,751$345,288▼ $2,463
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$347,751$345,289▼ $2,462
Other Assets Total-$1-
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$347,751$345,289▼ $2,462
Total Liabilities and Net Assets / Fund Balance$347,751$345,289▼ $2,462
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Susan MonacoPresident
Michelle SmeeVice President
Dawn RobinsonDirector
Kara HallDirector
Matt StanleyDirector
Eric KeiferSecretary
Amy LongTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$311,465
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-2,462
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$313,927
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Conferences and Meetings$299,128--$299,128
Fees for Services Legal-$5,513-$5,513
Fees for Services Accounting-$1,350-$1,350
Other Expenses-$1,252-$1,252
Total Functional Expenses$299,128$14,799$0$313,927
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
In-house lobbying only
Yes
Subject to proxy tax
Yes
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Organization has full members and associate members. All members are engaged in one or more activities which are related to the organization's exempt purpose.”

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

“Full members have the power to elect board members”

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

“All official positions of the organization require a 3/5 affirmative vote of attending full members.”

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

“The 990 is sent to the president and then forwarded to the board for review.”

Form 990, Part VI, Section C, Line 19

“Documents available upon request”

Filing and Contact Details

Filer

Filer Name
Eastern Lenders Association
EIN
30-0178919
Address
One West Pennsylvania 550, Towson, MD 21204

Signing Officer

Name
Susan Monaco
Title
President
Signed
2025-05-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Susan Monaco
Formed
2003
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
0
Employees
0

Preparer

Firm
Woods & Associates Pc
Address
606 BALTIMORE AVE STE 300, Towson, MD 21204
Preparer
Brian Woods
Phone
4108216625
Raw XML Appendix326 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/BenefitsToMembersGrp/TotalAmt00
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IRS990/BooksInCareOfDetail/PhoneNum04108216625
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
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IRS990/Form990PartVIISectionAGrp/PersonNm1Eric Keifer
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IRS990/Form990PartVIISectionAGrp/PersonNm3Matt Stanley
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ORGANIZATION HAS FULL MEMBERS AND ASSOCIATE MEMBERS. ALL MEMBERS ARE ENGAGED IN ONE OR MORE ACTIVITIES WHICH ARE RELATED TO THE ORGANIZATION'S EXEMPT PURPOSE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FULL MEMBERS HAVE THE POWER TO ELECT BOARD MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL OFFICIAL POSITIONS OF THE ORGANIZATION REQUIRE A 3/5 AFFIRMATIVE VOTE OF ATTENDING FULL MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 990 IS SENT TO THE PRESIDENT AND THEN FORWARDED TO THE BOARD FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DOCUMENTS AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
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IRS990/SubjectToProxyTaxInd0true
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0347751
IRS990/TotalAssetsEOYAmt0345289
IRS990/TotalAssetsGrp/BOYAmt0347751
IRS990/TotalAssetsGrp/EOYAmt0345289
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt014799
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0299128
IRS990/TotalFunctionalExpensesGrp/TotalAmt0313927
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0347751
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0345289
IRS990/TotalProgramServiceRevenueAmt0311465
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0311465
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0311465
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0347751
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0345289
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt010 North Tryon Street
IRS990/USAddress/CityNm0Charlotte
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd028255
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0WWW.EASTERNLENDERS.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Susan Monaco
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0EASTERN LENDERS ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0EAST
ReturnHeader/Filer/EIN0300178919
ReturnHeader/Filer/USAddress/AddressLine1Txt0One West Pennsylvania 550
ReturnHeader/Filer/USAddress/CityNm0Towson
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd021204
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0030492361
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WOODS & ASSOCIATES PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0606 BALTIMORE AVE STE 300
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Towson
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd021204
ReturnHeader/PreparerPersonGrp/PhoneNum04108216625
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Brian Woods
ReturnHeader/ReturnTs02025-05-22T11:31:33-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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