COMMUNITY LOAN FUND OF THE CAPITAL REGION INC (EIN 222706505) - 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

1985

Legal Domicile

Principal Officer

WALT BRADY

Phone

5184368586

Tax Period

2024-01-01 to 2024-12-31

COMMUNITY LOAN FUND OF THE CAPITAL REGION INC, founded in 1985, is a community nonprofit in the Housing & Shelter sector that reported $3.8M in total revenue in fiscal year 2024. Revenue surged 35% from the prior year, signaling strong growth momentum. Expenses of $3.5M left a modest 9% surplus.

Mission

COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION THAT LINKS SOCIALLY CONCERNED INVESTORS WITH COMMUNITY NEEDS BY MAKING AFFORDABLE HOUSING, COMMUNITY AND ECONOMIC DEVELOPMENT LOANS TO NONPROFIT ORGS, SMALL BUSINESSES AND LOW/MODERATE INCOME PERSONS.

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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 $2,855,288

Program Service Revenue $717,544

Investment Income $229,552

Other Revenue $0

TOTAL REVENUE $3,802,384

Expense Breakdown

Grants Paid $1,595,161

Salaries & Benefits $1,302,598

Fundraising Expenses $0

Program Expenses $3,244,621

Other Expenses $574,080

TOTAL EXPENSES $3,471,839

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,802,384	$2,816,861	+0.3%
Expenses	$3,471,839	$2,704,077	+0.3%
Net Income	$330,545	$112,784	+1.9%

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

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

$139,850

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINDA MACFARLANE	PAST EXECUTI	40.00	Officer	$139,850	$0	$139,850
KEVIN CATALANO	SECRETARY	1.00	Officer Director	$0	$0	$0
ERIC DAHL	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
TELBERTH FORDE	DIRECTOR	1.00	Director	$0	$0	$0
TRENT GRIFFIN-BRAAF	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK GUNTY	PRESIDENT	2.00	Officer Director	$0	$0	$0
AVERELL HILTON	DIRECTOR	1.00	Director	$0	$0	$0
TANYA HULL	DIRECTOR	1.00	Director	$0	$0	$0
KAREN MAXWELL	TREASURER	1.00	Officer Director	$0	$0	$0
FERMIN MENDEZ	DIRECTOR	1.00	Director	$0	$0	$0
TRACY PITCHER	DIRECTOR	1.00	Director	$0	$0	$0
JOHN STAUGAITIS	DIRECTOR	1.00	Director	$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	$3,802,384	$3,471,839	$24,998,522	$330,545
2023	$2,816,861	$2,704,077	$26,895,511	$112,784
2022	$2,396,345	$2,137,260	$26,693,595	$259,085
2021	$3,557,288	$1,921,498	$23,812,601	$1,635,790
2020	$2,965,641	$2,158,276	$22,766,196	$807,365
2019	$3,055,765	$1,712,086	$19,847,623	$1,343,679
2018	$1,152,016	$1,002,646	$18,377,178	$149,370

COMMUNITY LOAN FUND OF THE CAPITAL REGION INC