COMMUNITY FIRST CAPITAL CORP (EIN 200185800) - 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

JOAN BRODHEAD

Phone

7173932351

Tax Period

2024-07-01 to 2025-06-30

COMMUNITY FIRST CAPITAL CORP, founded in 2003, is a small nonprofit in the Community Improvement sector that reported $598K in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $250K, a strong 42% operating margin.

Mission

TO MAKE LOANS AVAILABLE TO PERSONS LIVING, WORKING OR INTERESTED IN DEVELOPING DETERIORATED COMMUNITIES AND BUSINESSES LOCATED IN PA, CENTRAL PA AND THE SURROUNDING COMMUNITITES, TO CREATE JOBS AND AFFORDABLE HOUSING, AND TO PROVIDE BUSINESS COUNSELING, THEREBY REDUCING POVERTY AND REDUCING THE BURDENS OF GOVERNMENT.

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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 $0

Program Service Revenue $598,382

Investment Income $0

Other Revenue $0

TOTAL REVENUE $598,382

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $8

Program Expenses $141,858

Other Expenses $348,545

TOTAL EXPENSES $348,545

Year-over-Year Comparison

	2024	2023	Change
Revenue	$598,382	$662,064	-0.1%
Expenses	$348,545	$528,988	-0.3%
Net Income	$249,837	$133,076	+0.9%

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

N/A

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

$989,995

Total Directors

$989,995

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOAN BRODHEAD	DIRECTOR	1.00	Officer Director	$0	$29,202	$237,751
DRAGAN DODIK	DIRECTOR	1.00	Officer Director	$0	$34,777	$222,398
ED GALLAGHER	PRESIDENT	1.00	Officer Director	$0	$7,829	$205,679
ELIZABETH BENNETT	TREASURER	1.00	Officer Director	$0	$12,309	$192,400
JOSHUA DRUCE	SECRETARY	1.00	Officer Director	$0	$23,822	$131,767

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
2025	$598,382	$348,545	$8,330,521	$249,837
2024	No data	No data	No data	No data
2023	$700,845	$913,201	$8,510,947	$-212,356
2022	$474,502	$297,363	$7,763,704	$177,139
2021	$677,122	$744,077	$13,234,632	$-66,955
2020	$1,347,897	$803,048	$17,606,260	$544,849
2019	$814,961	$500,782	$6,643,479	$314,179
2018	$668,070	$2,767	$7,217,770	$665,303

COMMUNITY FIRST CAPITAL CORP