LANCASTER, PA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)COMMUNITY FIRST FUND, founded in 1992, is a mid-sized nonprofit in the Housing & Shelter sector that reported $40.0M in total revenue in fiscal year 2024. Revenue surged 77% from the prior year, signaling strong growth momentum. Expenses of $34.7M left a modest 13% surplus.
TO PROMOTE COMMUNITY AND WORK-BASED ECONOMIC DEVELOPMENT. THE ORGANIZATION PROVIDES LOANS FOR COMMUNITY PROJECTS AND TECHNICAL ASSISTANCE TO HOUSING & ECONOMIC DEVELOPMENT PROJECTS THAT HAVE A DIRECT AND MEASURABLE BENEFIT TO LOW INCOME PERSONS AND CONTRIBUTE TO SOCIAL PROGRESS AND ECONOMIC DEVELOPMENT IN THE SOUTH CENTRAL PENNSYLVANIA REGION.
COMMUNITY FIRST FUND PROMOTES COMMUNITY AND ECONOMIC DEVELOPMENT BY PROVIDING AFFORDABLE LOANS TO ENTITIES THROUGHOUT CENTRAL AND EASTERN PENNSYLVANIA, INCLUDING SMALL BUSINESSES, DEVELOPERS OF...
COMMUNITY FIRST FUND PROMOTES COMMUNITY AND ECONOMIC DEVELOPMENT BY PROVIDING AFFORDABLE LOANS TO ENTITIES THROUGHOUT CENTRAL AND EASTERN PENNSYLVANIA, INCLUDING SMALL BUSINESSES, DEVELOPERS OF AFFORDABLE HOUSING, COMMUNITY-BASED ORGANIZATIONS, WOMEN, PEOPLE OF COLOR. DURING THE YEAR ENDING JUNE 30, 2025, THE ORGANIZATION CLOSED 348 NEW LOANS. THE ORGANIZATION FINANCED 424 HOUSING UNITS FOR LOW AND MODERATE INCOME INDIVIDUALS. THROUGH THE ORGANIZATIONS FINANCING EFFORTS, 3,312 JOBS WERE CREATED OR RETAINED, AND 1,234,212 SQUARE FEET OF BUSINESS REAL ESTATE WAS DEVELOPED OR REHABBED. IN MARCH 2020 IN RESPONSE TO THE COVID-19 PANDEMIC, THE ORGANIZATION SHIFTED ITS FOCUS TO PARTICIPATION IN AND PROMOTION OF VARIOUS GRANT AND LOAN PROGRAMS TO BUSINESSES LOCATED IN LOW-INCOME COMMUNITIES AND OWNED BY PEOPLE OF COLOR. BY JUNE 30, 2020, THE ORGANIZATION HAD DIRECTLY PROVIDED EMERGENCY FINANCIAL RELIEF IN THE FORM OF LOW-INTEREST LOANS TO 24 BUSINESSES AND HAD MANAGED THE PROGRAM TO FUND 461 SBA PAYCHECK PROTECTION PROGRAM LOANS TOTALING 15,784,735 THROUGH ITS SUBSIDIARY COMMUNITY FIRST CAPITAL CORP.
NEW MARKETS TAX CREDIT PROGRAM TO DATE THE ORGANIZATION WAS GRANTED 90 MILLION OF NEW MARKETS TAX CREDIT ALLOCATION FROM THE US TREASURY. THE ORGANIZATION HAS ENTERED INTO AGREEMENTS WITH INVESTOR...
NEW MARKETS TAX CREDIT PROGRAM TO DATE THE ORGANIZATION WAS GRANTED 90 MILLION OF NEW MARKETS TAX CREDIT ALLOCATION FROM THE US TREASURY. THE ORGANIZATION HAS ENTERED INTO AGREEMENTS WITH INVESTOR MEMBERS TO FUND 14 NEW MARKETS TAX CREDIT PROJECTS THROUGHOUT CENTRAL AND EASTERN PA. EIGHT PROJECTS ARE REMAINING AT 6/30/2025.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $39,961,210 | $22,595,432 | +0.8% |
| Expenses | $34,654,543 | $14,738,819 | +1.4% |
| Net Income | $5,306,667 | $7,856,613 | -0.3% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| DANIEL BETANCOURT | PRESIDENT & | 60.00 |
Officer
|
$385,375 | $42,809 | $428,184 |
| JONATHAN ENCARNACION | SENIOR VP CH | 40.00 |
Highest
|
$206,465 | $44,852 | $251,317 |
| JOAN BRODHEAD | CHIEF STRAT. | 48.00 |
Officer
|
$208,549 | $29,202 | $237,751 |
| DRAGAN DODIK | SENIOR VP CH | 40.00 |
Highest
|
$187,621 | $34,777 | $222,398 |
| JAMES BUERGER | LENDER | 50.00 |
Officer
|
$167,679 | $38,921 | $206,600 |
| EDWARD GALLAGHER | SENIOR VP CH | 40.00 |
Highest
|
$197,850 | $7,829 | $205,679 |
| ELIZABETH BENNETT | CFO ('24-'25 | 45.00 |
Officer
|
$180,091 | $12,309 | $192,400 |
| VEDER REDICK | VP COMMUNITY | 40.00 |
Highest
|
$142,438 | $21,165 | $163,603 |
| ALBA FERNANDEZ | SEN VP/ LEND | 40.00 |
Highest
|
$143,158 | $19,207 | $162,365 |
| LENIN AGUDO | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JONATHAN BOWSER | CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| NATALIA DOMINGUEZ BUCKLEY | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| MARILYN BROWN | SECRETARY | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| SAMUEL T COOPER ESQ | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| DR GREGORY EDWARDS | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| CARLOS LOPEZ | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| R ERIC MENZER | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| LAWRENCE MCCOMIE | VICE CHAIR | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| ABRAHAM PARDO | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JENNIFER RODRIGUEZ | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| ROBERT TORRES | TREASURER | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $39,961,210 | $34,654,543 | $175,119,412 | $5,306,667 |
| 2024 | No data | No data | No data | No data |
| 2023 | $19,580,531 | $14,804,627 | $149,979,380 | $4,775,904 |
| 2023 | $17,328,667 | $13,047,440 | $124,298,152 | $4,281,227 |
| 2022 | $17,453,841 | $8,134,382 | $141,866,844 | $9,319,459 |
| 2021 | $44,963,943 | $34,774,915 | $129,035,730 | $10,189,028 |
| 2020 | $12,560,846 | $10,773,357 | $80,851,659 | $1,787,489 |
| 2019 | $8,713,110 | $6,413,387 | $65,690,024 | $2,299,723 |
| 2018 | $6,796,379 | $6,639,496 | $59,541,742 | $156,883 |
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