COMMUNITY FIRST FUND (EIN 232689714) - 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

1992

Legal Domicile

Principal Officer

DANIEL BETANCOURT

Phone

7173932351

Tax Period

2024-07-01 to 2025-06-30

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.

Mission

TO PROVIDE LOANS AND TECHNICAL ASSISTANCE TO HOUSING & ECONOMIC DEVELOPMENT PROJECTS THAT HAVE A DIRECT AND MEASURABLE BENEFIT FOR LOW INCOME PERSONS AND CONTRIBUTE TO SOCIAL PROGRESS AND ECONOMIC DEVELOPMENT.

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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 $27,835,534

Program Service Revenue $12,125,676

Investment Income $0

Other Revenue $0

TOTAL REVENUE $39,961,210

Expense Breakdown

Grants Paid $15,940,585

Salaries & Benefits $10,112,449

Fundraising Expenses $1,095,472

Program Expenses $29,291,103

Other Expenses $8,601,509

TOTAL EXPENSES $34,654,543

Year-over-Year Comparison

	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%

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

$1,064,935

Total Directors

Key Employees

Highest Compensated

reported

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

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	$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

COMMUNITY FIRST FUND