THE CENTER FOR COMMUNITY LENDING (EIN 311572726) - 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

1996

Legal Domicile

Principal Officer

BENSON ROBERTS

Phone

2022939850

Tax Period

2020-01-01 to 2020-12-31

THE CENTER FOR COMMUNITY LENDING, founded in 1996, is a small nonprofit in the Human Services sector that reported $217K in total revenue in fiscal year 2020. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $84K, a strong 39% operating margin.

Mission

CCL CONDUCTS AND SPONSORS RESEARCH ABOUT COMMUNITY LENDING, PROMOTES THE REVITALIZATION OF DISTRESSED AND UNDERSERVED NEIGHBORHOODS, WORKS TO ELIMINATE DISCRIMINATION IN LENDING, AND PROMOTES THE EQUALITY OF OPPORTUNITY FOR ACCESS TO CREDIT.

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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 (2020)

Revenue Breakdown

Contributions & Grants $204,500

Program Service Revenue $12,500

Investment Income $0

Other Revenue $0

TOTAL REVENUE $217,000

Expense Breakdown

Grants Paid $0

Salaries & Benefits $95,307

Fundraising Expenses $0

Program Expenses $83,921

Other Expenses $37,411

TOTAL EXPENSES $132,718

Year-over-Year Comparison

	2020	2019	Change
Revenue	$217,000	$193,750	+0.1%
Expenses	$132,718	$142,023	-0.1%
Net Income	$84,282	$51,727	+0.6%

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

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

$421,074

Total Directors

$421,074

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BENSON ROBERTS	PRESIDENT AND CEO	5.00	Officer Director	$0	$66,074	$421,074
JOSEPH FLATLEY	CHAIR	1.00	Officer Director	$0	$0	$0
SARA SPOFFORD	SECRETARY	1.00	Officer Director	$0	$0	$0
KERRI HOLLOWAY	TREASURER	1.00	Officer Director	$0	$0	$0
JACK MARKOWSKI	DIRECTOR	1.00	Director	$0	$0	$0
KRIS SIGLIN	DIRECTOR	1.00	Director	$0	$0	$0
MARK WILLIS	DIRECTOR	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
2020	$217,000	$132,718	$172,281	$84,282

THE CENTER FOR COMMUNITY LENDING