IMPACT LOAN FUND INC (EIN 233032463) - 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

2001

Legal Domicile

Principal Officer

CASEY O'DONNEL

Phone

2159740900

Tax Period

2024-07-01 to 2025-06-30

IMPACT LOAN FUND INC, founded in 2001, is a community nonprofit in the Community Improvement sector that reported $1.4M in total revenue in fiscal year 2024. Revenue surged 49% from the prior year, signaling strong growth momentum. The organization ran a surplus of $301K, a strong 22% operating margin.

Mission

CERTIFIED LOAN FUND TO ASSIST SMALL BUSINESS FIRMS TO IMPROVE ECONOMIC CONDITIONS IN EASTERN PHILADELPHIA.

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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 $694,447

Program Service Revenue $555,519

Investment Income $103,152

Other Revenue $0

TOTAL REVENUE $1,353,118

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $939,932

Other Expenses $1,052,218

TOTAL EXPENSES $1,052,218

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,353,118	$909,660	+0.5%
Expenses	$1,052,218	$913,345	+0.2%
Net Income	$300,900	$-3,685	-82.7%

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

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

$221,265

Total Directors

$221,265

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PEARL WANG HERRERA	BOARD MEMBER	2.00	Director	$0	$0	$0
DAVID LANGLIEB	BOARD MEMBER	2.00	Director	$0	$0	$0
SERGIO GIRALDO	BOARD MEMBER	2.00	Director	$0	$0	$0
JACK HUBBERT ESQ	BOARD MEMBER	2.00	Director	$0	$0	$0
CASEY O'DONNELL	PRESIDENT	2.00	Officer Director	$0	$0	$221,265
KIMBERLY WASHINGTON	BOARD MEMBER	2.00	Director	$0	$0	$0
JENISE RABB	BOARD MEMBER	2.00	Director	$0	$0	$0
DAVID ORTIZ	BOARD MEMBER	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	$1,353,118	$1,052,218	$9,733,752	$300,900
2024	$909,660	$913,345	$9,037,274	$-3,685
2023	$892,407	$833,939	$8,622,777	$58,468
2022	$2,414,712	$506,763	$7,566,603	$1,907,949
2021	$1,005,600	$571,303	$5,090,976	$434,297
2020	$500,332	$191,845	$3,098,453	$308,487
2019	$1,540,038	$115,514	$2,401,175	$1,424,524
2018	$134,924	$70,383	$976,946	$64,541

IMPACT LOAN FUND INC