Civic Intelligence

Community Lendingworks

990 • Fiscal year 2023 • EIN 45-3812405

Jan 01, 2023 to Dec 31, 2023 • Filed on Oct 30, 2024

Organization ProfileWWW.COMMUNITYLENDINGWORKS.ORG
212 Main StSpringfield, OR 97477

(541) 345-7106

Siviq Scores

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

Liabilities / Assets

76th percentile

0.51x

Higher debt load relative to assets than 76% of similar nonprofits.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2023

Liabilities / Revenue

96th percentile

7.55x

Higher debt load relative to revenue than 96% of similar nonprofits.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2023

Net Margin

4th percentile

-80%

Higher net margin than 4% of similar nonprofits.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2023

Top Officer Pay

43rd percentile

$162,524

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 22.5% of source-year revenue.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2023

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2023

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2023

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$10,729,568

Up $5,139,161 (+92%) from 2019

Net Assets

Up

$5,269,329

Up $3,340,978 (+173%) from 2019

Liabilities

Up

$5,460,239

Up $1,798,183 (+49%) from 2019

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin4th percentile

Revenue

Down

$723,395

Down $513,608 (-42%) from 2019

Expenses

Up

$1,301,464

Up $363,255 (+39%) from 2019

Net Income

Down

-$578,069

Down $876,863 (-293%) from 2019

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$15M$10M$5.0M$0Assets 2012: $175,292Liabilities 2012: $86,836Net Assets 2012: $88,4562012Assets 2013: $288,529Liabilities 2013: $192,302Net Assets 2013: $96,2272013Assets 2014: $868,082Liabilities 2014: $367,432Net Assets 2014: $500,6502014Assets 2015: $1,251,672Liabilities 2015: $837,260Net Assets 2015: $414,4122015Assets 2016: $1,562,053Liabilities 2016: $911,233Net Assets 2016: $650,8202016Assets 2017: $3,282,046Liabilities 2017: $1,698,505Net Assets 2017: $1,583,5412017Assets 2018: $3,696,251Liabilities 2018: $1,872,287Net Assets 2018: $1,823,9642018Assets 2019: $5,590,407Liabilities 2019: $3,662,056Net Assets 2019: $1,928,3512019Assets 2023: $10,729,568Liabilities 2023: $5,460,239Net Assets 2023: $5,269,3292023Assets 2024: $10,382,354Liabilities 2024: $5,728,646Net Assets 2024: $4,653,7082024

Highlighted filing

2023

Assets$10,729,568
Liabilities$5,460,239
Net Assets$5,269,329
Open 2023 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.0M$0-$1.0MRevenue 2012: $2,474Expenses 2012: $114,018Net Income 2012: -$111,5442012Revenue 2013: $19,436Expenses 2013: $191,665Net Income 2013: -$172,2292013Revenue 2014: $567,401Expenses 2014: $162,978Net Income 2014: $404,4232014Revenue 2015: $172,711Expenses 2015: $258,949Net Income 2015: -$86,2382015Revenue 2016: $608,149Expenses 2016: $371,741Net Income 2016: $236,4082016Revenue 2017: $1,416,959Expenses 2017: $484,238Net Income 2017: $932,7212017Revenue 2018: $1,110,605Expenses 2018: $870,182Net Income 2018: $240,4232018Revenue 2019: $1,237,003Expenses 2019: $938,209Net Income 2019: $298,7942019Revenue 2023: $723,395Expenses 2023: $1,301,464Net Income 2023: -$578,0692023Revenue 2024: $1,031,668Expenses 2024: $1,647,289Net Income 2024: -$615,6212024

Highlighted filing

2023

Revenue$723,395
Expenses$1,301,464
Net Income-$578,069
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Oct 30, 2024
Return Version
2023v5.0
Gross Receipts
$723,395
Mission and Program Overview

Mission

Community lendingworks is a nedco affiliate nonprofit corporation that helps people move out of poverty and into the financial mainstream. We do this by developing customized financial tools to help people work their way toward financial stability, and by financing community and economic development, healthy food access, and real estate projects in distressed neighborhoods. Our primary aim is to serve individuals and families who lack the financial acumen and resources to build the assets they need in order to break their cycle of poverty for themselves and their children.

Community lendingworks is a devnw affiliate nonprofit corporation that helps people move out of poverty and into the financial mainstream. We do this by developing customized financial tools to help people work their way toward financial stability, and by financing community and economic development, healthy food access, and real estate projects in distressed neighborhoods. Our primary aim is to serve individuals and families who lack the financial acumen and resources to build the assets they need in order to break their cycle of poverty for themselves and their children.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,201,467$6,515,401▲ $313,934
Savings and Temporary Cash Investments$3,767,000$3,423,985▼ $343,015
Cash and Non-Interest-Bearing Accounts$1,185,570$430,826▼ $754,744
Accounts Receivable$10,275$41,273▲ $30,998
Pledges and Grants Receivable$39,353--
Prepaid Expenses and Deferred Charges$76,257$38,908▼ $37,349
Total Assets$11,463,309$10,729,568▼ $733,741
Other Assets Total$183,387$279,175▲ $95,788
Liabilities
Unsecured Notes Loans Payable$3,497,060$3,505,063▲ $8,003
Mortgage Notes Payable Secured by Investment Property$1,910,463$1,817,454▼ $93,009
Accounts Payable and Accrued Expenses$208,388$137,722▼ $70,666
Total Liabilities$5,615,911$5,460,239▼ $155,672
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$4,314,069$4,080,956▼ $233,113
Net Assets With Donor Restrictions$1,533,329$1,188,373▼ $344,956
Total Net Assets Fund Balance$5,847,398$5,269,329▼ $578,069
Total Liabilities and Net Assets / Fund Balance$11,463,309$10,729,568▼ $733,741

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$18,686$18,686
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeOtherTotal
Corinne Carmody- RileyCFOPT$131,147$131,147
Lynn MeyerDirector of LendFT$120,733$120,733

Board Members and Trustees

NameTitle
Jin PlummerChair
Carrie CopelandDirector
David HillDirector
Spencer MccoyDirector
Emily ReimanCEO
Larry AbelSecretary
Troy ReichenbergerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$141,500
Program Service Revenue
$593,751
Investment Income
$0
Other Revenue
$-11,856
All Other Contributions
$126,500
Change in Net Assets
$-578,069
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$804,234
Salaries, Compensation, and Employee Benefits$497,230
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management$420,000--$420,000
Other Salaries and Wages$255,972$141,253-$397,225
Interest$142,557$4,061-$146,618
Information Technology$37,363$23,918-$61,281
Other Employee Benefits$34,015$9,785-$43,800
Payroll Taxes$21,235$15,722-$36,957
Insurance$9,435$9,966-$19,401
Pension Plan Contributions$14,948$4,300-$19,248
Advertising$15,169--$15,169
Fees for Services Other$11,300$642-$11,942
Fees for Services Legal$7,428--$7,428
All Other Expenses$6,596--$6,596
Occupancy$5,432--$5,432
Other Expenses$3,374--$3,374
Travel$2,123--$2,123
Conferences and Meetings$1,601$407-$2,008
Fees for Services Accounting$2,000--$2,000
Office Expenses$1,638$54-$1,692
Depreciation Depletion$867--$867
Total Functional Expenses$1,091,356$210,108$0$1,301,464
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“The form 990 is reviewed by the ceo and cfo. In addition, the board of directors is provided a copy of the form 990 prior to filing. After review by all parties listed, the form 990 is filed.”

Form 990, Page 6, Part VI, Line 12C

“The ceo, and when applicable the board president, annually collects and reviews the disclosures and maintains a written record of any potential conflicts of interest.”

Form 990, Page 6, Part VI, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Community Lendingworks
EIN
45-3812405
Phone
5413457106
Address
212 MAIN ST, SPRINGFIELD, OR 97477

Signing Officer

Name
Emily Reiman
Title
CEO
Phone
5413457106
Signed
2024-10-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Emily Reiman
Formed
2011
Legal Domicile
Or
Voting Board Members
6
Independent Board Members
6
Employees
0
Volunteers
17

Preparer

Firm
Jones & Roth Pc
Address
PO BOX 10086, EUGENE, OR 97440
Preparer
Fritz S Duncan
Phone
5416872320
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Community lendingworks is a devnw affiliate nonprofit corporation that helps people move out of poverty and into the financial mainstream. We do this by developing customized financial tools to help people work their way toward financial stability, and by financing community and economic development, healthy food access, and real estate projects in distressed neighborhoods. Our primary aim is to serve individuals and families who lack the financial acumen and resources to build the assets they need in order to break their cycle of poverty for themselves and their children.”

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IRS990/OtherExpensesGrp/Desc3LICENSES AND FEES
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IRS990/OtherExpensesGrp/ProgramServicesAmt111043
IRS990/OtherExpensesGrp/ProgramServicesAmt23495
IRS990/OtherExpensesGrp/ProgramServicesAmt33374
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IRS990/OtherRevenueMiscGrp/Desc0LOSS ON INVESTMENT LLC
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IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt015722
IRS990/PayrollTaxesGrp/ProgramServicesAmt021235
IRS990/PayrollTaxesGrp/TotalAmt036957
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt04300
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt014948
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IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST - LENDING ACTIVITIES
IRS990/ProgramServiceRevenueGrp/Desc1PROCESSING AND LATE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0514355
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt179396
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0514355
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt179396
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt01879688
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt0262275
IRS990/PYOtherExpensesAmt0836275
IRS990/PYOtherRevenueAmt0100201
IRS990/PYProgramServiceRevenueAmt0333392
IRS990/PYRevenuesLessExpensesAmt0770402
IRS990/PYSalariesCompEmpBnftPaidAmt0444329
IRS990/PYTotalExpensesAmt01542879
IRS990/PYTotalRevenueAmt02313281
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0-578069
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0593751
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03767000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03423985
IRS990ScheduleA/Form990SchASupportingOrgGrp/Contribution35ControlledInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ContributionControllerInd0false
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IRS990ScheduleA/Form990SchAType1SuprtOrgGrp/PowerAppointMajorityDirTrstInd0true
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/SupportedOrganizationsCnt01
IRS990ScheduleA/SupportedOrganizationsTotalCnt01
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IRS990ScheduleA/SupportedOrgInformationGrp/SupportAmt00
IRS990ScheduleA/SupportedOrgInformationGrp/SupportedOrganizationName/BusinessNameLine1Txt0CORVALLIS NEIGHBORHOOD HOUSING
IRS990ScheduleA/SupportedOrgInformationGrp/SupportedOrganizationName/BusinessNameLine2Txt0SERVICES INC DBA DEVNW
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IRS990ScheduleA/SupportingOrgType1Ind0X
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IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
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IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt018686
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt018686
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IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IndependentConsultantInd0X
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IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt0146599
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt08727
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt07198
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0EMILY REIMAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0162524
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0COMMUNITY LENDINGWORKS IS A DEVNW AFFILIATE NONPROFIT CORPORATION THAT HELPS PEOPLE MOVE OUT OF POVERTY AND INTO THE FINANCIAL MAINSTREAM. WE DO THIS BY DEVELOPING CUSTOMIZED FINANCIAL TOOLS TO HELP PEOPLE WORK THEIR WAY TOWARD FINANCIAL STABILITY, AND BY FINANCING COMMUNITY AND ECONOMIC DEVELOPMENT, HEALTHY FOOD ACCESS, AND REAL ESTATE PROJECTS IN DISTRESSED NEIGHBORHOODS. OUR PRIMARY AIM IS TO SERVE INDIVIDUALS AND FAMILIES WHO LACK THE FINANCIAL ACUMEN AND RESOURCES TO BUILD THE ASSETS THEY NEED IN ORDER TO BREAK THEIR CYCLE OF POVERTY FOR THEMSELVES AND THEIR CHILDREN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE FORM 990 IS REVIEWED BY THE CEO AND CFO. IN ADDITION, THE BOARD OF DIRECTORS IS PROVIDED A COPY OF THE FORM 990 PRIOR TO FILING. AFTER REVIEW BY ALL PARTIES LISTED, THE FORM 990 IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CEO, AND WHEN APPLICABLE THE BOARD PRESIDENT, ANNUALLY COLLECTS AND REVIEWS THE DISCLOSURES AND MAINTAINS A WRITTEN RECORD OF ANY POTENTIAL CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
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IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/EOYAmt010729568
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IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01091356
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IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesGrp/BOYAmt05615911
IRS990/TotalLiabilitiesGrp/EOYAmt05460239
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IRS990/TotalOtherCompensationAmt048176
IRS990/TotalProgramServiceExpensesAmt01091356
IRS990/TotalProgramServiceRevenueAmt0593751
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0581895
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0723395
IRS990/TotalVolunteersCnt017
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011463309
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010729568
IRS990/TotReportableCompRltdOrgAmt0366228
IRS990/TravelGrp/ProgramServicesAmt02123
IRS990/TravelGrp/TotalAmt02123
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false

Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,729,568
Liabilities
$5,460,239
Net assets
$5,269,329
Revenue
$723,395
Expenses
$1,301,464
Net income
-$578,069
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.4$5.73$4.65$1.03$1.65$0.62
2023Detailed filing. Detailed filing data is available for this year.$10.7$5.46$5.27$0.72$1.30$0.58
2019Summary only. Only limited summary data is available for this year.$5.59$3.66$1.93$1.24$0.94$0.30
2018Detailed filing. Detailed filing data is available for this year.$3.70$1.87$1.82$1.11$0.87$0.24
2017Detailed filing. Detailed filing data is available for this year.$3.28$1.70$1.58$1.42$0.48$0.93
2016Detailed filing. Detailed filing data is available for this year.$1.56$0.91$0.65$0.61$0.37$0.24
2015Summary only. Only limited summary data is available for this year.$1.25$0.84$0.41$0.17$0.26$0.09
2014Summary only. Only limited summary data is available for this year.$0.87$0.37$0.50$0.57$0.16$0.40
2013Summary only. Only limited summary data is available for this year.$0.29$0.19$0.10$0.02$0.19$0.17
2012Summary only. Only limited summary data is available for this year.$0.18$0.09$0.09$0.00$0.11$0.11
Peer Organizations

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