COMMUNITY REINVESTMENT FUND INC (EIN 411616861) - 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

1988

Legal Domicile

Principal Officer

MATTHEW ROTH

Phone

6123383050

Tax Period

2024-07-01 to 2025-06-30

COMMUNITY REINVESTMENT FUND INC, founded in 1988, is a mid-sized nonprofit in the Community Improvement sector that reported $46.8M in total revenue in fiscal year 2024. Revenue surged 31% from the prior year, signaling strong growth momentum. The organization ran a surplus of $15.4M, a strong 33% operating margin.

Mission

TO EXPAND ECONOMIC OPPORTUNITY FOR SMALL BUSINESSES AND COMMUNITIES BY REIMAGINING THE WAY CAPITAL AND RESOURCES FLOW.

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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 $28,677,919

Program Service Revenue $18,075,081

Investment Income $0

Other Revenue $29,310

TOTAL REVENUE $46,782,310

Expense Breakdown

Grants Paid $350,000

Salaries & Benefits $15,310,779

Fundraising Expenses $557,648

Program Expenses $25,138,961

Other Expenses $15,760,333

TOTAL EXPENSES $31,421,112

Year-over-Year Comparison

	2024	2023	Change
Revenue	$46,782,310	$35,726,052	+0.3%
Expenses	$31,421,112	$32,849,855	0.0%
Net Income	$15,361,198	$2,876,197	+4.3%

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

106

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

$3,048,261

Total Directors

$565,843

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATTHEW ROTH	CEO & PRESIDENT	40.00	Officer Director	$532,348	$33,495	$565,843
JENNIFER NOVAK	SVP CDFI FUND PROGRAMS	40.00	Officer	$269,696	$44,150	$313,846
ALEXIS DISHMAN	SVP CHIEF LENDING OFFICER	40.00	Officer	$245,584	$30,774	$276,358
PATRICK DAVIS	SVP PLATFORM AND TECHNOLOGY SERVICES	40.00	Officer	$252,907	$22,966	$275,873
KINFE ARGAW	SVP CHIEF CREDIT OFFICER	40.00	Officer	$233,087	$42,319	$275,406
CHARITY VICKERS	SVP CHIEF PEOPLE OFFICER	40.00	Officer	$241,201	$33,661	$274,862
PAUL TREMEWAN	SVP CHIEF FINANCIAL OFFICER	40.00	Officer	$250,883	$22,865	$273,748
KATELYN BEDNARSKI	SVP CHIEF OF STAFF	40.00	Officer	$212,047	$41,267	$253,314
ANNA BURGETT	CHIEF LEGAL COUNSEL	40.00	Officer	$210,789	$41,204	$251,993
SANDRA DELANCY	SENIOR DIRECTOR OF EDMA	40.00	Highest	$201,019	$40,716	$241,735
ERIK O'LEARY	PRINCIPAL ARCHITECT	40.00	Highest	$212,759	$20,959	$233,718
PETER BERNACIAK	VP, STRUCTURED FINANCE	40.00	Highest	$188,892	$31,046	$219,938
ANISHA MURPHY	VP, PROGRAM DESIGN/EXECUTION	40.00	Highest	$189,025	$19,772	$208,797
CYRUS KHARAS	VP, PROGRAM DESIGN/EXECUTION	40.00	Highest	$198,059	$9,903	$207,962
ERIC CHAPIN	GENERAL COUNSEL THRU 8/24	40.00	Officer	$160,210	$28,453	$188,663
JENNIFER ANDERSON	CHIEF ADMIN OFFICER THRU 3/24	40.00	Officer	$90,243	$8,112	$98,355
DANIEL SPILLER	CHAIR	1.00	Officer Director	$0	$0	$0
STEVE KENT	TREASURER	1.00	Officer Director	$0	$0	$0
JEANINE JACOKES	SECRETARY AS OF 1/25	1.00	Officer Director	$0	$0	$0
LAURA TRUDEAU	SECRETARY THRU 1/25	1.00	Officer Director	$0	$0	$0
REZA AGHAMIRZADEH	TRUSTEE	1.00	Director	$0	$0	$0
RUBEN ALONSO	TRUSTEE	1.00	Director	$0	$0	$0
GAVIN BOROWIAK	TRUSTEE	1.00	Director	$0	$0	$0
TONY BROWN	TRUSTEE	1.00	Director	$0	$0	$0
CHRYSTEL CORNELIUS	TRUSTEE	1.00	Director	$0	$0	$0
JA'NET DEFELL	TRUSTEE AS OF 1/25	1.00	Director	$0	$0	$0
RENAY DOSSMAN	TRUSTEE AS OF 1/25	1.00	Director	$0	$0	$0
LUTHER RAGIN JR	TRUSTEE	1.00	Director	$0	$0	$0
SARA RAZAVI	TRUSTEE AS OF 3/25	1.00	Director	$0	$0	$0
KATHY ROCK	TRUSTEE	1.00	Director	$0	$0	$0
GEORGE SURGEON	TRUSTEE AS OF 3/25	1.00	Director	$0	$0	$0
JIE WANG	TRUSTEE	1.00	Director	$0	$0	$0
CALVIN HOLMES	TRUSTEE THRU 1/25	1.00	Director	$0	$0	$0
BILL KRUGLER	TRUSTEE THRU 3/25	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	$46,782,310	$31,421,112	$199,070,542	$15,361,198
2024	$35,726,052	$32,849,855	$189,995,061	$2,876,197
2023	$55,474,462	$45,512,446	$193,075,984	$9,962,016
2022	$38,368,250	$32,918,771	$166,360,640	$5,449,479
2021	$69,198,385	$46,700,294	$307,729,256	$22,498,091
2020	$53,118,127	$32,885,047	$272,393,749	$20,233,080
2019	$23,357,764	$21,442,217	$121,270,124	$1,915,547
2018	$21,550,757	$22,567,110	$150,933,655	$-1,016,353

COMMUNITY REINVESTMENT FUND INC