COMMUNITY LENDERS COMMUNITY DEVELO… - Form 990 Financial Data

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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

1999

Legal Domicile

Principal Officer

STEVEN KOPENHAVER

Phone

2157991340

Tax Period

2024-07-01 to 2025-06-30

COMMUNITY LENDERS COMMUNITY DEVELOPMENT CORPORATION, founded in 1999, is a community nonprofit in the Housing & Shelter sector that reported $3.0M in total revenue in fiscal year 2024. Revenue grew 20% year-over-year, indicating healthy expansion. Expenses of $2.9M left a modest 4% surplus.

Mission

TO PROMOTE AND FACILITATE COMMUNITY REVITALIZATION THROUGH THE FINANCING OF, AND INVESTMENT IN, HOUSING AND COMMUNITY DEVELOPMENT ACTIVITIES, WHICH WILL ADDRESS THE NEEDS OF LOW AND MODERATE INCOME PERSONS AND AREAS.

Program Service Accomplishments

Program 1

Expenses: $2,803,332 Revenue: $2,977,135

SINCE 1999, THE ORGANIZATION HAS SERVED OVER 88 AGENCIES IN SOUTH EASTERN PA. HOUSING HAS BEEN PROVIDED FOR MORE THAN 3,125 INDIVIDUALS AND FAMILIES BY DISPERSING MORE THAN $93 MILLION IN 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,977,135

Investment Income $53,268

Other Revenue $0

TOTAL REVENUE $3,030,403

Expense Breakdown

Grants Paid $0

Salaries & Benefits $128,831

Fundraising Expenses $0

Program Expenses $2,803,332

Other Expenses $2,767,812

TOTAL EXPENSES $2,896,643

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,030,403	$2,531,165	+0.2%
Expenses	$2,896,643	$2,444,060	+0.2%
Net Income	$133,760	$87,105	+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

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

$98,259

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVE KOPENHAVER	CHAIR	1.00	Officer Director	$0	$0	$0
JOHN WEBER	VICE CHAIR	1.00	Officer Director	$0	$0	$0
KATHLEEN SHEPHERD	TREASURER	1.00	Officer Director	$0	$0	$0
JUDITH MEMBERG	ASSISTANT TREASURER	1.00	Officer Director	$0	$0	$0
JUDITH HUNSICKER	SECRETARY	1.00	Officer Director	$0	$0	$0
BRUCE KNIPE	ASSISTANT SECRETARY	1.00	Officer Director	$0	$0	$0
RANDY BROOKS	DIRECTOR	1.00	Director	$0	$0	$0
LOU CIARLANTE	DIRECTOR	1.00	Director	$0	$0	$0
ERIK CLARE	DIRECTOR	1.00	Director	$0	$0	$0
JOSH CLARKSON	DIRECTOR	1.00	Director	$0	$0	$0
MAREN COLON	DIRECTOR	1.00	Director	$0	$0	$0
JAMES DANNA	DIRECTOR	1.00	Director	$0	$0	$0
JEANNE FIELDS	DIRECTOR	1.00	Director	$0	$0	$0
LYNDA HALEY	DIRECTOR	1.00	Director	$0	$0	$0
LINDSAY LAMBERT	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTIAN LYTER	DIRECTOR	1.00	Director	$0	$0	$0
CLARENCE MARTINDELL	DIRECTOR	1.00	Director	$0	$0	$0
LEO PEDROTTY	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN PERUN	DIRECTOR	1.00	Director	$0	$0	$0
KAREN PFEIFER	DIRECTOR	1.00	Director	$0	$0	$0
ANGELO RAMIREZ	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK RICE	DIRECTOR	1.00	Director	$0	$0	$0
SHERWOOD ROBBINS	DIRECTOR	1.00	Director	$0	$0	$0
DAN SACHO	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER SCHELL	DIRECTOR	1.00	Director	$0	$0	$0
JOE SCHUPP	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN SNYDER	DIRECTOR	1.00	Director	$0	$0	$0
DAVE WALBRANDT	DIRECTOR	1.00	Director	$0	$0	$0
JAMES WESTGATE	DIRECTOR	1.00	Director	$0	$0	$0
LISA DONNON	DIRECTOR	1.00	Director	$0	$0	$0
JAMES WHITTON	DIRECTOR	1.00	Director	$0	$0	$0
STEVEN KISS	DIRECTOR	1.00	Director	$0	$0	$0
AUDREY MCMICHAEL	EXECUTIVE DIRECTOR	40.00	Officer	$95,397	$2,862	$98,259

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	$3,030,403	$2,896,643	$61,925,659	$133,760
2024	$2,531,165	$2,444,060	$57,347,634	$87,105
2023	$2,512,021	$2,411,002	$54,063,262	$101,019
2022	$2,129,949	$2,053,489	$50,531,502	$76,460
2021	$1,879,402	$1,818,738	$39,599,620	$60,664
2020	$2,414,455	$2,271,313	$39,882,209	$143,142
2019	$2,282,023	$2,214,354	$44,761,396	$67,669

COMMUNITY LENDERS COMMUNITY DEVELOPMENT CORPORATION