EDC FINANCE CORPORATION

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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

1987

Legal Domicile

Principal Officer

EZRA ROTHMAN

Phone

7173974046

Tax Period

2025-01-01 to 2025-12-31

EDC FINANCE CORPORATION, founded in 1987, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $339K, a strong 20% operating margin.

Mission

TO FACILITATE THE INDUSTRIAL AND ECONOMIC DEVELOPMENT OF LANCASTER COUNTY AND ACT AS AN INDUSTRIAL DEVELOPMENT CORPORATION PURSUANT TO THE PA INDUSTRIAL DEVELOPMENT AUTHORITY ACT AND ADMINISTER FUNDS AVAILABLE UNDER THE SMALL BUSINESS SBA 504 PROGRAM.

Program Service Accomplishments

Program 1

Expenses: $1,219,415 Revenue: $1,250,291

EDC FINANCE IS A LEADING PROVIDER OF ECONOMIC DEVELOPMENT FINANCING TO BUSINESSES, DEVELOPERS, AND FARMERS THROUGH RESOURCES SUCH AS SMALL BUSINESS ADMINISTRATION (SBA) 504, PENNSYLVANIA INDUSTRIAL DEVELOPMENT AUTHORITY, BUILDING PA, STATE SMALL BUSINESS CREDIT INITIATIVE, LANCASTER CITY REVITILIZATION & IMPROVEMENT ZONE, AND TRADITIONAL IDA TAX EXEMPT LOANS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $370,490

Program Service Revenue $1,250,291

Investment Income $81,079

Other Revenue $0

TOTAL REVENUE $1,701,860

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,219,415

Other Expenses $1,362,998

TOTAL EXPENSES $1,362,998

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,701,860	$2,012,251	-0.2%
Expenses	$1,362,998	$1,274,721	+0.1%
Net Income	$338,862	$737,530	-0.5%

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

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

$473,431

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EZRA ROTHMAN	PRESIDENT	3.30	Officer	$0	$26,984	$175,752
JESSICA HAMILTON	VICE PRESIDE	37.50	Officer	$0	$9,685	$154,011
JOHN BIEMILLER	VICE PRESIDE	0.00	Officer	$0	$9,353	$143,668
KALIOPI KAROMFILY	RELATIONSHIP	37.50	Highest	$0	$9,962	$123,994
KIMBERLY J DECKER	BOARD VICE C	2.00	Officer Director	$0	$0	$0
JACQUELIN EBY	DIRECTOR	2.00	Director	$0	$0	$0
JUSTIN M EBY	DIRECTOR	2.00	Director	$0	$0	$0
JORDAN K FARRELL	BOARD CHAIR	2.00	Officer Director	$0	$0	$0
KURT GROFF	DIRECTOR	2.00	Director	$0	$0	$0
BRETT D JACKSON	DIRECTOR	2.00	Director	$0	$0	$0
SAMUEL JORDAN	DIRECTOR	2.00	Director	$0	$0	$0
GEORGE M LONGRIDGE	DIRECTOR	2.00	Director	$0	$0	$0
JOSE R LOPEZ	DIRECTOR	2.00	Director	$0	$0	$0
ROBERT C SHOEMAKER	DIRECTOR	2.00	Director	$0	$0	$0
TONY H SMITH	DIRECTOR	2.00	Director	$0	$0	$0
DAN YOUNGS	DIRECTOR	2.00	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
2025	$1,701,860	$1,362,998	$4,709,723	$338,862
2024	$2,012,251	$1,274,721	$2,698,465	$737,530
2023	$1,293,667	$1,114,024	$2,779,760	$179,643
2022	$1,017,373	$950,774	$2,667,867	$66,599
2021	$1,153,460	$1,001,559	$1,159,058	$151,901
2020	$872,319	$865,203	$1,446,564	$7,116
2019	$1,077,581	$925,551	$3,291,753	$152,030
2018	$1,284,125	$948,535	$4,805,594	$335,590