Civic Intelligence

Enterprise Community Loan Fund Inc.

990 • Fiscal year 2015 • EIN 52-0192004

Jan 01, 2015 to Dec 31, 2015 • Filed on Sep 15, 2016

Organization ProfileWWW.ENTERPRISECOMMUNITY.COM
11000 BROKEN LAND PARKWAY Suite 700Columbia, MD 21044

(410) 964-0552

Siviq Scores

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

Liabilities / Assets

79th percentile

0.74x

Higher debt load relative to assets than 79% of similar nonprofits.

2015 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

95th percentile

8.20x

Higher debt load relative to revenue than 95% of similar nonprofits.

2015 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2015

Net Margin

87th percentile

33%

Higher net margin than 87% of similar nonprofits.

2015 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

81st percentile

$1,050,481

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 6.6% of source-year revenue.

2015 filings • 501(c)3 • $100M-$250M nonprofits • Source year 2015

Asset Growth

49th percentile

1.4%

Faster asset growth than 49% of similar nonprofits.

2015 filings • 501(c)3 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

87th percentile

28%

Faster revenue growth than 87% of similar nonprofits.

2015 filings • 501(c)3 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$176,325,087

Up $2,467,232 (+1.4%) from 2014

Net Assets

Up

$45,613,987

Up $5,060,878 (+12%) from 2014

Liabilities

Down

$130,711,100

Down $2,593,646 (-1.9%) from 2014

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin87th percentile

Revenue

Up

$15,948,013

Up $3,441,170 (+28%) from 2014

Expenses

Up

$10,680,722

Up $4,809,748 (+82%) from 2014

Net Income

Down

$5,267,291

Down $1,368,578 (-21%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth49th percentile

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

$600M$400M$200M$0Assets 2011: $155,634,201Liabilities 2011: $126,162,320Net Assets 2011: $29,471,8812011Assets 2012: $147,516,517Liabilities 2012: $117,022,059Net Assets 2012: $30,494,4582012Assets 2013: $153,171,768Liabilities 2013: $119,518,889Net Assets 2013: $33,652,8792013Assets 2014: $173,857,855Liabilities 2014: $133,304,746Net Assets 2014: $40,553,1092014Assets 2015: $176,325,087Liabilities 2015: $130,711,100Net Assets 2015: $45,613,9872015Assets 2016: $197,097,943Liabilities 2016: $146,214,755Net Assets 2016: $50,883,1882016Assets 2017: $219,558,968Liabilities 2017: $165,182,569Net Assets 2017: $54,376,3992017Assets 2018: $274,556,414Liabilities 2018: $209,355,762Net Assets 2018: $65,200,6522018Assets 2019: $290,337,622Liabilities 2019: $222,530,947Net Assets 2019: $67,806,6752019Assets 2020: $290,883,051Liabilities 2020: $199,575,084Net Assets 2020: $91,307,9672020Assets 2021: $332,804,742Liabilities 2021: $229,618,155Net Assets 2021: $103,186,5872021Assets 2022: $426,085,407Liabilities 2022: $306,594,252Net Assets 2022: $119,491,1552022Assets 2023: $480,806,615Liabilities 2023: $346,098,780Net Assets 2023: $134,707,8352023Assets 2024: $551,828,162Liabilities 2024: $401,130,256Net Assets 2024: $150,697,9062024

Highlighted filing

2015

Assets$176,325,087
Liabilities$130,711,100
Net Assets$45,613,987
Open 2015 Filing

Operations Trend

Revenue Growth87th percentile

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

$60M$40M$20M$0Revenue 2011: $15,876,278Expenses 2011: $7,781,898Net Income 2011: $8,094,3802011Revenue 2012: $8,991,769Expenses 2012: $8,522,073Net Income 2012: $469,6962012Revenue 2013: $9,726,401Expenses 2013: $5,913,979Net Income 2013: $3,812,4222013Revenue 2014: $12,506,843Expenses 2014: $5,870,974Net Income 2014: $6,635,8692014Revenue 2015: $15,948,013Expenses 2015: $10,680,722Net Income 2015: $5,267,2912015Revenue 2016: $12,198,674Expenses 2016: $6,921,306Net Income 2016: $5,277,3682016Revenue 2017: $13,341,649Expenses 2017: $9,832,413Net Income 2017: $3,509,2362017Revenue 2018: $24,541,629Expenses 2018: $13,693,890Net Income 2018: $10,847,7392018Revenue 2019: $17,068,850Expenses 2019: $12,671,635Net Income 2019: $4,397,2152019Revenue 2020: $39,063,451Expenses 2020: $15,787,794Net Income 2020: $23,275,6572020Revenue 2021: $25,996,753Expenses 2021: $14,161,786Net Income 2021: $11,834,9672021Revenue 2022: $35,729,584Expenses 2022: $19,483,504Net Income 2022: $16,246,0802022Revenue 2023: $36,120,781Expenses 2023: $23,753,467Net Income 2023: $12,367,3142023Revenue 2024: $49,840,527Expenses 2024: $33,174,444Net Income 2024: $16,666,0832024

Highlighted filing

2015

Revenue$15,948,013
Expenses$10,680,722
Net Income$5,267,291
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Sep 15, 2016
Return Version
2015v2.1
Gross Receipts
$15,948,013
Mission and Program Overview

Mission

Enterprise community loan fund delivers innovative financial products and technical assistance to mission-aligned organizations to acquire, develop and preserve quality affordable housing for low and moderate-income families, and to revitalize their communities by providing access to good jobs, quality affordable housing, first-rate schools, transportation and healthy living environments.

to deliver innovative financial products AND TECHNICAL ASSISTANCE TO ORGANIZAtiONS TO ACQUIRE, DEVELOP, AND PRESERVE QUALITY AFFORDABLE HOUSING AND TO REVITALIZE COMMUNITIES.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$124,793,424$119,070,746▼ $5,722,678
Savings and Temporary Cash Investments$38,368,535$43,612,420▲ $5,243,885
Investments in Publicly Traded Securities$9,649,101$8,794,903▼ $854,198
Pledges and Grants Receivable$0$3,653,000▲ $3,653,000
Accounts Receivable$576,849$540,165▼ $36,684
Investments Program Related$123,899$337,639▲ $213,740
Prepaid Expenses and Deferred Charges$264,469$255,336▼ $9,133
Cash and Non-Interest-Bearing Accounts$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$173,857,855$176,325,087▲ $2,467,232
Other Assets Total$81,578$60,878▼ $20,700
Liabilities
Unsecured Notes Loans Payable$127,257,713$112,036,563▼ $15,221,150
Mortgage Notes Payable Secured by Investment Property$722,272$12,454,123▲ $11,731,851
Other Liabilities$4,684,211$5,756,812▲ $1,072,601
Accounts Payable and Accrued Expenses$640,550$463,602▼ $176,948
Grants Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$133,304,746$130,711,100▼ $2,593,646
Net Assets / Fund Balance
Unrestricted Net Assets$33,625,343$36,513,987▲ $2,888,644
Temporarily Rstr Net Assets$6,927,766$9,100,000▲ $2,172,234
Permanently Rstr Net Assets$0$0→ $0
Total Net Assets Fund Balance$40,553,109$45,613,987▲ $5,060,878
Total Liabilities and Net Assets / Fund Balance$173,857,855$176,325,087▲ $2,467,232
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Charlotte CrowTreasurer/sr. Vice PresidentFT$227,514$81,734$309,248
Faith ThomasSecretary-$191,381$65,000$256,381
Lori ChatmanPresidentFT$190,756$50,910$241,666
Scott HoekmanDirector-$181,045$50,741$231,786
MIchael MCNEELYFormer Vice President-$121,845$32,616$154,461
Terri LudwigDirector, Chairman-$127,100$25,815$152,915
Danielle HammannSenior LenderFT$128,831$16,851$145,682
Justin ChenSenior LendorFT$108,554$6,521$115,075
Megan E MarsickInvestor RelationsFT$95,455$10,483$105,938

Board Members and Trustees

NameTitle
Antonieta RamosVice President
Craig MellendickVice President
Timothy MartinVice President
Bill BeckmannDirector
Ron GrzywinskiDirector
charles werhanedirector
Judith KendeAssistant Secretary
Keith FaireyAssistant Secretary
James ClarkeSenior Lender
Linda SordenSenior Lender
Revenue and Support

Revenue Composition

Contributions and Grants
$7,953,000
Program Service Revenue
$7,776,925
Investment Income
$218,088
Other Revenue
$0
All Other Contributions
$4,300,000
Change in Net Assets
$5,267,291
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,308,921
Grants and Similar Amounts Paid$4,300,000
Salaries, Compensation, and Employee Benefits$2,071,801
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Orgs$4,300,000--$4,300,000
Interest$3,094,004--$3,094,004
Current Officers, Directors, Trustees, and Key Employees$696,763$218,179-$914,942
Other Salaries and Wages$631,582$197,768-$829,350
Other Employee Benefits$248,867$78,642-$327,509
Occupancy$189,939$38,903-$228,842
Travel$74,621$15,284-$89,905
Office Expenses$55,638$11,396-$67,034
Conferences and Meetings$11,563$2,368-$13,931
Advertising$2,905$595-$3,500
Other Expenses$-310,007$-22,119$0$-310,007
Total Functional Expenses$9,839,628$841,094$0$10,680,722
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Enterprise Community PartColumbia, MD501 (c) (3)General Support$4,300,000
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposits Held for Others$5,512,286
Due to Parent$179,385
Due to Affiliate$65,141
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
Yes
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Enterprise Community Loan Fund Inc
EIN
52-0192004
In Care Of
% CRAIG MELLENDICK
Phone
4109640552
Address
11000 BROKEN LAND PARKWAY Suite 700, COLUMBIA, MD 21044

Signing Officer

Name
Craig Mellendick
Title
Managing Member
Phone
4107722787
Signed
2016-09-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Craig Mellendick
Formed
1990
Legal Domicile
Md
Voting Board Members
5
Independent Board Members
4
Employees
29

Preparer

Firm
Cohnreznick Llp
Address
7501 WISCONSIN AVENUE 400E, BETHESDA, MD 20814-6583
Preparer
Anne Schrantz CPA
Phone
3016529100
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“The entire board is sent a copy of the return via email and are asked to comment and question. After all comments and questions have been addressed the board approves the 990 for filing.”

Pt VI, Line 12C

“An annual conflict of interest disclosure exercise is performed by the organization each January. This exercise requires each employee to read the business ethics policy and complete the conflict of interest disclosure form identifying any possible conflicts known by the employee. New employees are also required to complete the conflict of interest disclosure form upon hiring. A log is maintained of any documented conflicts for future referencing. On an annual basis, all directors acknowledge their familiarity with the Loan Fund Conflict of Interest Policy and complete a Disclosure Statement. The completed statements are reviewed by the General Counsel. Any issues noted are referred to the Board or appropriate committee.”

Pt VI, Line 15A

“The process for determining compensation for the President and other Officers of Enterprise Community Loan Fund is as follows. The Chairman of the Board approves the President's compensation, utilizing comparability data. The Chairman also reviews and approves the President's recommendations for the other Officer's compensation, utilizing comparability data.”

Pt VI, Line 19

“NO DOCUMENTS AVAILABLE”

PT XI line 9

“2015 invest in eclf toah member, llc/bay area and gsaf, llc gaap/tax difference ( $7,156.)”

Financial Statement Notes

FIN 48 Footnote

“Income taxes Loan Fund is recognized as 501(c)(3) social welfare organization and is exempt from income taxes with respect to charitable activities, except for unrelated business income. We did not have any unrelated business income during the years ended December 31, 2015 and 2014. Accordingly, no provision or benefit for income taxes has been recorded in the accompanying consolidated financial statements. We do file tax returns required to be completed by tax exempt entities with the Internal Revenue Service ("IRS") and other taxing authorities. These income tax returns are subject to examination by the IRS for a period of three years. While no income tax returns are currently being examined by the IRS, tax years since 2011 remain open for examination. Accordingly, these consolidated financial statements do not reflect a provision for income taxes and there are no other tax positions which must be considered for disclosure.”

difference in investment in ECLF TOAH MEMBER, llc/bay AREA and GSAF, LLC

“Total tax to GAAP difference from subsidiary investment in ECLF TOAH Member, LLC/BAy Area and the K-1 investment for GSAF is ($7,156).”

Raw XML AppendixShowing 400 of 776 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0640550
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0463602
IRS990/AccountsReceivableGrp/BOYAmt0576849
IRS990/AccountsReceivableGrp/EOYAmt0540165
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0to deliver innovative financial products AND TECHNICAL ASSISTANCE TO ORGANIZAtiONS TO ACQUIRE, DEVELOP, AND PRESERVE QUALITY AFFORDABLE HOUSING AND TO REVITALIZE COMMUNITIES.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt0595
IRS990/AdvertisingGrp/ProgramServicesAmt02905
IRS990/AdvertisingGrp/TotalAmt03500
IRS990/AllOtherContributionsAmt04300000
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0CRAIG MELLENDICK
IRS990/BooksInCareOfDetail/PhoneNum04107726016
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt011000 BROKEN LAND PARKWAY STE 700
IRS990/BooksInCareOfDetail/USAddress/CityNm0columbia
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MD
IRS990/BooksInCareOfDetail/USAddress/ZIPCd021044
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt00
IRS990/CashNonInterestBearingGrp/EOYAmt00
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0218179
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0696763
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0914942
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0true
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt02368
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt011563
IRS990/ConferencesMeetingsGrp/TotalAmt013931
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0true
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt07953000
IRS990/CYGrantsAndSimilarPaidAmt04300000
IRS990/CYInvestmentIncomeAmt0218088
IRS990/CYOtherExpensesAmt04308921
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt07776925
IRS990/CYRevenuesLessExpensesAmt05267291
IRS990/CYSalariesCompEmpBnftPaidAmt02071801
IRS990/CYTotalExpensesAmt010680722
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt015948013
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0Enterprise Community Loan Fund has generated cumulative loan volume (including commitments) of more than $1.4 billion, supporting the development or preservation of approximately 100,000 affordable housing units.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt029
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/ExpenseAmt09839628
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditPerformedInd0true
IRS990/FederalGrantAuditRequiredInd0true
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt037.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt137.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt237.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt337.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt437.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt537.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt637.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt737.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt638.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt738.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt838.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1038.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1338.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1438.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1538.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1638.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1738.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt181.0
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd8X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt186297
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt239808
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt3123673
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt534934
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt635703
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt720313
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt834369
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt938359
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1033754
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1139808
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1234621
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1322793
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1415312
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1516851
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1610483
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt176521
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1820313
IRS990/Form990PartVIISectionAGrp/PersonNm0RON GRZYWINSKI
IRS990/Form990PartVIISectionAGrp/PersonNm1SCOTT HOEKMAN
IRS990/Form990PartVIISectionAGrp/PersonNm2TERRI LUDWIG
IRS990/Form990PartVIISectionAGrp/PersonNm3charles werhane
IRS990/Form990PartVIISectionAGrp/PersonNm4BILL BECKMANN
IRS990/Form990PartVIISectionAGrp/PersonNm5FAITH THOMAS
IRS990/Form990PartVIISectionAGrp/PersonNm6CHARLOTTE CROW
IRS990/Form990PartVIISectionAGrp/PersonNm7LORI CHATMAN
IRS990/Form990PartVIISectionAGrp/PersonNm8ANTONIETA RAMOS
IRS990/Form990PartVIISectionAGrp/PersonNm9KEITH FAIREY
IRS990/Form990PartVIISectionAGrp/PersonNm10TIMOTHY MARTIN
IRS990/Form990PartVIISectionAGrp/PersonNm11CRAIG MELLENDICK
IRS990/Form990PartVIISectionAGrp/PersonNm12JUDITH KENDE
IRS990/Form990PartVIISectionAGrp/PersonNm13LINDA SORDEN
IRS990/Form990PartVIISectionAGrp/PersonNm14JAMES CLARKE
IRS990/Form990PartVIISectionAGrp/PersonNm15DANIELLE HAMMANN
IRS990/Form990PartVIISectionAGrp/PersonNm16Megan E Marsick
IRS990/Form990PartVIISectionAGrp/PersonNm17JUSTIN CHEN
IRS990/Form990PartVIISectionAGrp/PersonNm18MIchael MCNEELY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6220678
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7288935
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8207297
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10198032
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13131668
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14137603
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15128831
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1695455
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17108554
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt1431429
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt2576345
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt3926808
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt5274016
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt9249362
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt11516827
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt12256668
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt18336242
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR, CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3director
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt6TREASURER/SR. VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt9ASSISTANT SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12ASSISTANT SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt13SENIOR LENDER
IRS990/Form990PartVIISectionAGrp/TitleTxt14SENIOR LENDER
IRS990/Form990PartVIISectionAGrp/TitleTxt15SENIOR LENDER
IRS990/Form990PartVIISectionAGrp/TitleTxt16Investor Relations
IRS990/Form990PartVIISectionAGrp/TitleTxt17SENIOR LENDOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18FORMER VICE PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01990
IRS990/FormerOfcrEmployeesListedInd0true
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/SecuritiesAmt027
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GovernmentGrantsAmt03653000
IRS990/GrantAmt04300000
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt04300000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt04300000
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0true
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt027
IRS990/GrossReceiptsAmt015948013
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt04
IRS990/IndivRcvdGreaterThan100KCnt08
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/ProgramServicesAmt03094004
IRS990/InterestGrp/TotalAmt03094004
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt0218061
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0218061
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0123899
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0337639
IRS990/InvestmentsPubTradedSecGrp/BOYAmt09649101
IRS990/InvestmentsPubTradedSecGrp/EOYAmt08794903
IRS990/IRPDocumentCnt025
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0MD
IRS990/LoanOutstandingInd0false
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0ENTERPRISE COMMUNITY LOAN FUND DELIVERS INNOVATIVE FINANCIAL PRODUCTS AND TECHNICAL ASSISTANCE TO MISSION-ALIGNED ORGANIZATIONS TO ACQUIRE, DEVELOP AND PRESERVE QUALITY AFFORDABLE HOUSING FOR LOW AND MODERATE-INCOME FAMILIES, AND TO REVITALIZE THEIR COMMUNITIES BY PROVIDING ACCESS TO GOOD JOBS, QUALITY AFFORDABLE HOUSING, FIRST-RATE SCHOOLS, TRANSPORTATION AND HEALTHY LIVING ENVIRONMENTS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt0722272
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt012454123
IRS990/NetAssetsOrFundBalancesBOYAmt040553109
IRS990/NetAssetsOrFundBalancesEOYAmt045613987
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt027
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt027
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-199257
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt038903
IRS990/OccupancyGrp/ProgramServicesAmt0189939
IRS990/OccupancyGrp/TotalAmt0228842
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt011396
IRS990/OfficeExpensesGrp/ProgramServicesAmt055638
IRS990/OfficeExpensesGrp/TotalAmt067034
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt081578
IRS990/OtherAssetsTotalGrp/EOYAmt060878
IRS990/OtherChangesInNetAssetsAmt0-7156
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt078642
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0248867
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0327509
IRS990/OtherExpensesGrp/Desc0PROFESSIONAL FEES
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc2BAD DEBTS
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0300078
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1-22119
IRS990/OtherExpensesGrp/ProgramServicesAmt0951748
IRS990/OtherExpensesGrp/ProgramServicesAmt1-107995
IRS990/OtherExpensesGrp/ProgramServicesAmt2-310007
IRS990/OtherExpensesGrp/TotalAmt01251826
IRS990/OtherExpensesGrp/TotalAmt1-130114
IRS990/OtherExpensesGrp/TotalAmt2-310007
IRS990/OtherLiabilitiesGrp/BOYAmt04684211
IRS990/OtherLiabilitiesGrp/EOYAmt05756812
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0197768
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0631582
IRS990/OtherSalariesAndWagesGrp/TotalAmt0829350
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0124793424
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0119070746
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt00
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt03653000
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0264469
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0255336
IRS990/PrincipalOfficerNm0CRAIG MELLENDICK
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0531110
IRS990/ProgramServiceRevenueGrp/BusinessCd1531110
IRS990/ProgramServiceRevenueGrp/BusinessCd2531390
IRS990/ProgramServiceRevenueGrp/BusinessCd3531390
IRS990/ProgramServiceRevenueGrp/Desc0FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON PROG
IRS990/ProgramServiceRevenueGrp/Desc2RELATED INVESTMENT-TOAH/BAY AREA K-1
IRS990/ProgramServiceRevenueGrp/Desc3RELATED INVESTMENT-GSAF, LLC K-1
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0402834
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt17310836
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt239895
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt323360
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0402834
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt17310836
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt239895
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt323360
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt04175770
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0225110
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt03893304
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt08105963
IRS990/PYRevenuesLessExpensesAmt06635869
IRS990/PYSalariesCompEmpBnftPaidAmt01977670
IRS990/PYTotalExpensesAmt05870974
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt012506843
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$176,325,087
Liabilities
$130,711,100
Net assets
$45,613,987
Revenue
$15,948,013
Expenses
$10,680,722
Net income
$5,267,291
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$552$401$151$49.8$33.2$16.7
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$481$346$135$36.1$23.8$12.4
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$426$307$119$35.7$19.5$16.2
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$333$230$103$26.0$14.2$11.8
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$291$200$91.3$39.1$15.8$23.3
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$290$223$67.8$17.1$12.7$4.40
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$275$209$65.2$24.5$13.7$10.8
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$220$165$54.4$13.3$9.83$3.51
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$197$146$50.9$12.2$6.92$5.28
2015Detailed filing. Detailed filing data is available for this year.$176$131$45.6$15.9$10.7$5.27
2014Detailed filing. Detailed filing data is available for this year.$174$133$40.6$12.5$5.87$6.64
2013Detailed filing. Detailed filing data is available for this year.$153$120$33.7$9.73$5.91$3.81
2012Summary only. Only limited summary data is available for this year.$148$117$30.5$8.99$8.52$0.47
2011Summary only. Only limited summary data is available for this year.$156$126$29.5$15.9$7.78$8.09