South Carolina Community Loan Fund (EIN 010793507) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2003

Legal Domicile

Principal Officer

Nancy Leon

Phone

8439737285

Tax Period

2024-01-01 to 2024-12-31

South Carolina Community Loan Fund, founded in 2003, is a community nonprofit in the Housing & Shelter sector that reported $6.9M in total revenue in fiscal year 2024. The organization ran a surplus of $2.7M, a strong 39% operating margin.

Mission

SOUTH CAROLINA COMMUNITY LOAN FUND (SCCLF) ADVANCES EQUITABLE ACCESS TO CAPITAL TO BUILD ASSETS AND BENEFIT THE COMMUNITIES AND PEOPLE MOST IN NEED OF ECONOMIC OPPORTUNITY.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $2,700,593

Program Service Revenue $3,865,498

Investment Income $323,300

Other Revenue $26,457

TOTAL REVENUE $6,915,848

Expense Breakdown

Grants Paid $59,000

Salaries & Benefits $1,494,565

Fundraising Expenses $66,037

Program Expenses $2,907,053

Other Expenses $2,686,740

TOTAL EXPENSES $4,240,305

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,915,848	$6,646,393	+0.0%
Expenses	$4,240,305	$4,392,494	0.0%
Net Income	$2,675,543	$2,253,899	+0.2%

Key Indicators

✗ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$721,458

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Nathaniel Barber	CEO	40.00	Officer	$165,000	$0	$165,000
Deborah MCKETTY	President	40.00	Officer	$160,000	$0	$160,000
Nancy Leon	CFO	40.00	Officer	$146,858	$0	$146,858
Wilhelmenia Dunn Lee	COO	40.00	Officer	$124,800	$0	$124,800
Brian Colclough	CLO	40.00	Officer	$124,800	$0	$124,800
Benjamin Brams	Director	1.00	Director	$0	$0	$0
Shauna Cooper	Director	1.00	Director	$0	$0	$0
Charles Dew	At Large	1.00	Director	$0	$0	$0
Shaunte Evans	Director	1.00	Director	$0	$0	$0
Walter Gayle	Director	1.00	Director	$0	$0	$0
Drew Harrison	Director	1.00	Director	$0	$0	$0
Melanie Huggins	Director	1.00	Director	$0	$0	$0
Adolphus Johnson	Director	1.00	Director	$0	$0	$0
Corey McClary	Director	1.00	Director	$0	$0	$0
Cortney Nick Thomas	Director	1.00	Director	$0	$0	$0
Selena Pickens	Director	1.00	Director	$0	$0	$0
Nilsy Rapalo	Director	1.00	Director	$0	$0	$0
Ginny Stroud	Director	1.00	Director	$0	$0	$0
Torrey Rush	Chair	1.00	Officer	$0	$0	$0
Martin Livingston	Vice Chair	1.00	Officer	$0	$0	$0
Thomas Anderson	Immed Past Chai	1.00	Officer	$0	$0	$0
Dorothea Bernique	Secretary	1.00	Officer	$0	$0	$0
Nathan Harrison	Treasurer	1.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$6,915,848	$4,240,305	$49,607,336	$2,675,543
2023	$6,646,393	$4,392,494	$42,236,648	$2,253,899
2022	$3,563,181	$2,987,456	$41,580,650	$575,725
2021	$4,959,016	$3,931,589	$42,539,456	$1,027,427
2020	$4,907,654	$3,531,299	$36,418,539	$1,376,355
2019	$3,885,032	$2,633,393	$33,458,629	$1,251,639
2018	$2,802,357	$2,666,386	$31,840,546	$135,971

South Carolina Community Loan Fund