MINNEAPOLIS, MN
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)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.
TO EXPAND ECONOMIC OPPORTUNITY FOR SMALL BUSINESSES AND COMMUNITIES BY REIMAGINING THE WAY CAPITAL AND RESOURCES FLOW.
LENDING PROGRAMS - FOUNDED IN 1988, COMMUNITY REINVESTMENT FUND, USA (CRF) IS A NATIONAL NON-PROFIT ORGANIZATION AND A LEADING COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI). CRF WORKS...
LENDING PROGRAMS - FOUNDED IN 1988, COMMUNITY REINVESTMENT FUND, USA (CRF) IS A NATIONAL NON-PROFIT ORGANIZATION AND A LEADING COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI). CRF WORKS COLLABORATIVELY WITH COMMUNITY LENDERS AND STAKEHOLDERS TO INCREASE ECONOMIC MOBILITY, BUILD STRONG LOCAL ECONOMIES, AND REDUCE THE WEALTH GAP IN PURSUIT OF A JUST ECONOMY THAT WORKS FOR ALL. IN PARTNERSHIP WITH OTHERS, CRF CO-CREATES AND DELIVERS PROGRAMS, PRODUCTS AND SERVICES THAT ADDRESS THE BARRIERS AND INEQUITIES SMALL BUSINESSES WITH A HISTORY OF UNDERREPRESENTATION FACE. CAPITAL IS PROVIDED DIRECTLY TO SMALL BUSINESSES THROUGH DIRECT LENDING PROGRAMS INCLUDING SBA 7(A) AND NEW MARKET TAX CREDITS, AS WELL AS INDIRECTLY THROUGH PROGRAMS SUCH AS THE BOND GUARANTEE PROGRAM. DURING THE FISCAL YEAR 2025, CRF PROVIDED FINANCING TOTALING $72 MILLION TO SMALL BUSINESSES VIA DIRECT LENDING AND ALSO ISSUED $325 MILLION VIA BGP, LEADING TO THE CREATION OR RETENTION OF OVER 2,900 JOBS.
TECHNOLOGY SOLUTIONS - CRF OFFERS TECHNOLOGY SOLUTIONS THAT SUPPORT AND ENABLE ACCESS TO AFFORDABLE AND RESPONSIBLE SMALL BUSINESS FINANCING AND IMPROVE THE EFFICIENCY AND SCALABILITY OF...
TECHNOLOGY SOLUTIONS - CRF OFFERS TECHNOLOGY SOLUTIONS THAT SUPPORT AND ENABLE ACCESS TO AFFORDABLE AND RESPONSIBLE SMALL BUSINESS FINANCING AND IMPROVE THE EFFICIENCY AND SCALABILITY OF MISSION-BASED LENDERS. THESE SOLUTIONS ARE CRITICAL TO MANY PUBLIC-PRIVATE PARTNERSHIPS ACROSS THE COUNTRY, AS WELL AS PARTNERSHIPS BETWEEN TRADITIONAL BANKS AND CDFIS. DURING THE FISCAL YEAR 2025, CRF FACILITATED THE ORIGINATION OF APPROXIMATELY 453 LOANS TOTALING $44.6 MILLION.
LOAN SERVICING AND FUND ADMINISTRATION - CRF IS A NATIONAL LOAN SERVICER AND FUND ADMINISTRATOR THAT SPECIALIZES IN PROVIDING HIGH-TOUCH, CUSTOMIZED SERVICE. WITH MORE THAN 20 YEARS OF EXPERIENCE...
LOAN SERVICING AND FUND ADMINISTRATION - CRF IS A NATIONAL LOAN SERVICER AND FUND ADMINISTRATOR THAT SPECIALIZES IN PROVIDING HIGH-TOUCH, CUSTOMIZED SERVICE. WITH MORE THAN 20 YEARS OF EXPERIENCE, CRF FOCUSES ON PROVIDING SERVICING AND ADMINISTRATION FOR MISSION-ALIGNED ORGANIZATIONS WITH A VARIETY OF ASSET TYPES INCLUDING COMMERCIAL REAL ESTATE, COMMUNITY FACILITIES, EQUIPMENT, AND OTHERS. DURING THE 2025 FISCAL YEAR, CRF PROVIDED THIRD PARTY LOAN SERVICING SUPPORT FOR 18 COMMUNITY DEVELOPMENT LENDERS WITH VOLUME OF APPROXIMATELY 356 LOANS TOTALING $33.3 MILLION. DURING THE 2025 FISCAL YEAR, CRF PROVIDED ADMINISTRATION FOR 8 FUNDS WITH ASSETS TOTALING MORE THAN $52.2 MILLION.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 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% |
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
Sign In| 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 |
| 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 |
Compare COMMUNITY REINVESTMENT FUND INC with other nonprofits in Minnesota and across the country.