NEIGHBORHOOD LENDING PARTNERS INC GROUP RETURN (EIN 205653201) - 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

2001

Legal Domicile

Principal Officer

DEBRA REYES

Phone

8138794525

Tax Period

2024-04-01 to 2025-03-31

NEIGHBORHOOD LENDING PARTNERS INC GROUP RETURN, founded in 2001, is a community nonprofit that reported $3.8M in total revenue in fiscal year 2024. The organization ran a surplus of $687K, a strong 18% operating margin.

Mission

ARRANGE FINANCING & PROVIDE TECHNICAL ASSISTANCE FOR THE DEVELOPMENT OF AFFORDABLE HOUSING

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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 $163,332

Program Service Revenue $3,001,682

Investment Income $679,260

Other Revenue $0

TOTAL REVENUE $3,844,274

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,134,987

Fundraising Expenses $147,000

Program Expenses $2,454,648

Other Expenses $1,022,384

TOTAL EXPENSES $3,157,371

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,844,274	$3,708,482	+0.0%
Expenses	$3,157,371	$2,797,875	+0.1%
Net Income	$686,903	$910,607	-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

$1,276,168

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS F MACINA	DIRECTOR,LESS THAN	5.00	Director	$0	$0	$0
DOUGLAS B BROWN	DIRECTOR,LESS THAN	5.00	Director	$0	$0	$0
CLAIRE F RALEY	DIRECTOR,LESS THAN	5.00	Director	$0	$0	$0
NANCY L MEROLLA	DIRECTOR,LESS THAN	5.00	Director	$0	$0	$0
JACK HUMBURG	DIRECTOR,LESS THAN	5.00	Director	$0	$0	$0
MANUEL M DEL CANAL	DIRECTOR,LESS THAN	5.00	Director	$0	$0	$0
EULA PARKER	DIRECTOR,LESS THAN	5.00	Director	$0	$0	$0
JOSHUA BROWN	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
LEE CURRY	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
JULIUS JACKSON	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
TONY BROWN	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
ANDREW RABUCK	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
ERBI BLANCO-TRUE	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
CHARICE HEYWOOD	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
MICHAEL KILPATRICK	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
LANCE LANSRUD	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
HORATIO W JONES IV	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
K OWEN LAFAVE	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
VANESSA MCCLEARY	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
STEVE WASSERMAN	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
FRANK CORNIER	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
RACQUEL REDDIE	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
MIKE CAMOIA	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
STEPHANIE WILLIAMS-BALDWIN	DIRECTOR, LESS THAN	5.00	Director	$0	$0	$0
DEBRA REYES	PRESIDENT	40.00	Officer	$322,997	$0	$322,997
CARLOS A RIVAS	E.V.P. CHIEF FINANCIAL OFF	40.00	Officer	$211,203	$0	$211,203
MARY FELLOWS	EVP/CAPITALIZATION DIRECTO	40.00	Officer	$196,085	$0	$196,085
CINZIA KEEVER	VP/CONSTRUCTION DRAW ADMI	40.00	Officer	$112,994	$0	$112,994
MARY CLARK	VP CREDIT ANALYST AND UNDE	40.00	Officer	$49,443	$0	$49,443
THAIS PEPE	SVP/SENIOR LEADER	40.00	Officer	$177,550	$0	$177,550
GEORGE ROMAGNOLI	SVP/GOVERNMENT RELATIONS A	40.00	Officer	$124,706	$0	$124,706
KEVIN FITZGERALD	VP/PORTFOLIO MANAGER	40.00	Officer	$28,733	$0	$28,733
DAMON ASHBROOK	VP/CREDIT ANALYST AND UNDERWRITER	40.00	Officer	$8,116	$0	$8,116
MARCUS TAYLOR	VP/CONSTRUCTION DRAW ADMINISTRATOR	40.00	Officer	$3,333	$0	$3,333
CODY LARSEN	VP/UNDERWRITER	40.00	Officer	$36,425	$0	$36,425
ALFRED DESABATO	VP/LENDER	40.00	Officer	$4,583	$0	$4,583

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	$3,844,274	$3,157,371	$78,415,184	$686,903
2024	$3,708,482	$2,797,875	$55,042,753	$910,607
2023	$9,759,428	$2,857,170	$48,062,600	$6,902,258
2022	$2,400,742	$1,680,208	$34,945,918	$720,534
2021	$2,353,328	$2,826,280	$30,554,368	$-472,952
2020	$2,020,260	$1,993,133	$31,811,525	$27,127
2019	$2,376,958	$2,272,603	$33,998,497	$104,355

NEIGHBORHOOD LENDING PARTNERS INC GROUP RETURN