TENFOLD COMMUNITY LENDING

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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

1994

Legal Domicile

Principal Officer

SHELBY NAUMAN

Phone

7173975182

Tax Period

2023-07-01 to 2024-06-30

TENFOLD COMMUNITY LENDING, founded in 1994, is a small nonprofit in the Housing & Shelter sector that reported $706K in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $662K left a modest 6% surplus.

Mission

TENFOLD SPARKS THE POWER IN ALL PEOPLE TO ACHIEVE EQUITABLE HOUSING AND FINANCIAL SECURITY. WE ARE THE TRUSTED COMMUNITY PARTNER INNOVATIVELY BUILDING WEALTH AND ACHIEVING QUALITY, FAIR AND AFFORDABLE HOUSING FOR ALL, THROUGH PROACTIVE COACHING, EDUCATION, LENDING AND ADVOCACY.

Program Service Accomplishments

Program 1

Expenses: $388,867 Revenue: $190,848

THE HOMEBUYER PROGRAM PROVIDED CLOSING COST LOANS AVERAGING $8,984 THAT ENABLE 44 LOW AND MODERATE INCOME FAMILIES TO PURCHASE THEIR FIRST HOME. THE TOTAL AMOUNT OF CLOSING COST LOANS ORIGINATED WAS...

Program 2

Expenses: $170,644

THE LOCAL HOUSING INVESTMENT TRUST FUND (LHIFT) IS A REVOLVING LOAN FUND FOR FLEXIBLE, LOW INTEREST LOANS TO SUPPORT AND STIMULATE THE CREATION, REHABILITATION, AND PRESERVATION OF AFFORDABLE HOUSING AND MIXED-USE PROJECTS WITHIN THE SOUTH CENTRAL PENNSYLVANIA COUNTIES OF ADAMS, CUMBERLAND, DAUPHIN, FRANKLIN, LANCASTER, LEBANON, PERRY AND YORK. A LOAN FOR $1 MILLION WAS MADE IN THE FISCAL YEAR.

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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 (2023)

Revenue Breakdown

Contributions & Grants $350,120

Program Service Revenue $0

Investment Income $356,013

Other Revenue $0

TOTAL REVENUE $706,133

Expense Breakdown

Grants Paid $0

Salaries & Benefits $258,606

Fundraising Expenses $0

Program Expenses $559,511

Other Expenses $403,836

TOTAL EXPENSES $662,442

Year-over-Year Comparison

	2023	2022	Change
Revenue	$706,133	$629,161	+0.1%
Expenses	$662,442	$720,736	-0.1%
Net Income	$43,691	$-91,575	-1.5%

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

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

$130,146

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHELBY NAUMAN	CEO	5.00	Officer	$0	$10,755	$130,146
JEFF SCHEUREN	CHAIR	1.00	Officer Director	$0	$0	$0
JASON HESS	VICE CHAIR	1.00	Officer Director	$0	$0	$0
ANDREW KEHL	TREASURER (ENDED 4/25/24)	1.00	Officer Director	$0	$0	$0
JESS HAMILTON	TREASURER (STARTED 4/25/24)	1.00	Officer Director	$0	$0	$0
CHARITY WELCH	SECRETARY (ENDED 10/31/23)	1.00	Officer Director	$0	$0	$0
MIKE BERK	SECRETARY (STARTED 11/1/23)	1.00	Officer Director	$0	$0	$0
TIMBREL CHYATEE	DIRECTOR (ENDED 7/14/23)	1.00	Director	$0	$0	$0
WILLIAM GLOVER	DIRECTOR	1.00	Director	$0	$0	$0
LISA GREENER	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD JACKSON	DIRECTOR (ENDED 10/31/23)	1.00	Director	$0	$0	$0
MARY KOHLER	DIRECTOR (ENDED 7/14/23)	1.00	Director	$0	$0	$0
CHRISTINA ORTEGA	DIRECTOR	1.00	Director	$0	$0	$0
ELENA PADILLA	DIRECTOR (ENDED 6/27/24)	1.00	Director	$0	$0	$0
RANDY PATTERSON	DIRECTOR (ENDED 6/27/24)	1.00	Director	$0	$0	$0
BRIAN ROCHE	DIRECTOR	1.00	Director	$0	$0	$0
EMILY WHITAKER	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH GUTHRIDGE	DIRECTOR	1.00	Director	$0	$0	$0
PEDRO LOPEZ	DIRECTOR	1.00	Director	$0	$0	$0
JOHN HENRY	DIRECTOR	1.00	Director	$0	$0	$0
TASHA STOLTZFUS NANKERVILLE	DIRECTOR	1.00	Director	$0	$0	$0
MIKE MASON	DIRECTOR (STARTED 3/1/24)	1.00	Director	$0	$0	$0
ARELIS PEREZ	DIRECTOR (STARTED 3/1/24)	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
2025	No data	No data	No data	No data
2024	$706,133	$662,442	$10,828,352	$43,691
2023	$629,161	$720,736	$11,400,110	$-91,575
2022	$1,049,418	$789,280	$11,075,119	$260,138
2021	$1,416,791	$1,195,430	$10,642,478	$221,361
2020	$2,019,377	$1,712,114	$15,483,968	$307,263
2019	$2,216,809	$1,622,382	$14,255,033	$594,427