Pennsylvania Community Development & Finance Corporation (EIN 251637778) - 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

2008

Legal Domicile

Principal Officer

Tracy Welch

Phone

6108986045

Tax Period

2023-07-01 to 2024-06-30

Pennsylvania Community Development & Finance Corporation, founded in 2008, is a small nonprofit in the Community Improvement sector that reported $304K in total revenue in fiscal year 2023. Expenses of $294K left a modest 3% surplus.

Mission

The organization is a certified development company developed to provide SBA 504 loans to new and growing buisnesses seeking fixed rate long term financing with below market rates

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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 $6,000

Program Service Revenue $294,869

Investment Income $3,245

Other Revenue $0

TOTAL REVENUE $304,114

Expense Breakdown

Grants Paid $0

Salaries & Benefits $209,546

Fundraising Expenses $0

Program Expenses $293,906

Other Expenses $84,360

TOTAL EXPENSES $293,906

Year-over-Year Comparison

	2023	2022	Change
Revenue	$304,114	$312,915	0.0%
Expenses	$293,906	$268,550	+0.1%
Net Income	$10,208	$44,365	-0.8%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Tracy Fletcher	Chair	001.50	Officer	$0	$0	$0
Tim Warfield	Vice Chairman	001.50	Officer	$0	$0	$0
Carrie Lynch	Secretary	001.50	Officer	$0	$0	$0
Jame Boscov	Member	001.50	Officer	$0	$0	$0
Larry Rush	Member	001.50	Officer	$0	$0	$0
Robert Fries	Member	001.50	Officer	$0	$0	$0
Charles Shurr	Member	001.50	Officer	$0	$0	$0
Kevin Schreiber	Member	001.50	Officer	$0	$0	$0
Joseph Dufner	Member	001.50	Officer	$0	$0	$0
Ray Melcher	Member	001.50	Officer	$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	$304,114	$293,906	$169,011	$10,208
2023	$312,915	$268,550	$153,490	$44,365
2022	$213,527	$283,779	$115,448	$-70,252
2021	$242,663	$230,502	$178,740	$12,161

Pennsylvania Community Development & Finance Corporation