CHARLES TOWN, WV
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)PARTNER COMMUNITY CAPITAL INC, founded in 2001, is a mid-sized nonprofit in the Human Services sector that reported $21.7M in total revenue in fiscal year 2024. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $7.6M, a strong 35% operating margin.
FOCUSING ON ECONOMICALLY DISTRESSED AREAS, PCAP CATALYZES ENVIRONMENTALLY SUSTAINABLE DEVELOPMENT BY PROVIDING AFFORDABLE, FLEXIBLE CAPITAL AND ADVISORY SERVICES TO SMALL AND EMERGING BUSINESSES THAT CREATE EMPLOYMENT. THROUGH ITS BUSINESS SUPPORT, FIELD BUILDING AND POLICY ACTIVITIES, PCAP EMPLOYS A HOLISTIC APPROACH TO ADDRESS THE COMPLEX, INTERWOVEN ISSUES INHERENT IN POVERTY ALLEVIATION, RURAL DEVELOPMENT AND ENVIRONMENTAL SUSTAINABILITY.
LENDING PROGRAM: PCAP IS A SPECIALIZED, NICHE LENDER FOR START-UP AND EARLY STAGE SMALL BUSINESSES IN UNDERSERVED MARKETS. THE PRIMARY GOAL OF ITS LOAN PROGRAMS IS TO CREATE OR RETAIN FULL-TIME...
LENDING PROGRAM: PCAP IS A SPECIALIZED, NICHE LENDER FOR START-UP AND EARLY STAGE SMALL BUSINESSES IN UNDERSERVED MARKETS. THE PRIMARY GOAL OF ITS LOAN PROGRAMS IS TO CREATE OR RETAIN FULL-TIME PRIVATE SECTOR JOBS. PCAP PROVIDES MICROLOANS IN AMOUNTS FROM $1,000 TO $50,000 AND BUSINESS LOANS SIZED FROM $50,000 TO $1,500,000. PCAP IS APPROVED AS A UNITED STATES DEPARTMENT OF AGRICULTURE (USDA) BUSINESS & INDUSTRY (B & I) GUARANTEED LENDER, GIVING IT THE ABILITY TO PARTICIPATE IN TRANSACTIONS UP TO $2.5 MILLION.PCAP'S BUSINESS CLIENTS ARE PREDMOMINATELY LOCATED IN ECONOMICALLY DISTRESSED RURAL COMMUNITIES AND ARE UNABLE TO ACCESS CAPITAL FROM TRADITIONAL SOURCES. TARGET SECTORS INCLUDE, BUT ARE NOT LIMITED TO: ENVIRONMENTAL SERVICES, LOCAL FOOD SYSTEM INFRASTRUCTURE, HERITAGE AND RECREATION-BASED TOURISM, VALUE-ADDED AGRICULTURE, RENEWABLE ENERGY, ENERGY EFFICIENCY, SECONDARY FOREST PRODUCTS, NATURAL MEDICINES, GREEN BUILDING, CRITICAL COMMUNITY SERVICES, AND TECHNOLOGIES THAT SUPPORT THE SUSTAINABLE USE OF NATURAL RESOURCES. PCAP PURSUES TRIPLE BOTTOM LINE (TBL) SMALL BUSINESS DEVELOPMENT AS A MEANS TO RESPONSIBLY CREATE WEALTH IN DISTRESSED COMMUNITIES.
STRATEGIC INITIATIVES PROGRAM: PCAP'S STRATEGIC INITIATIVES USE TARGETED FUNDING AND PARTNERSHIPS WITH SMALL BUSINESS-RELATED OR SECTOR-SPECIFIC COMMUNITY PARTNERS TO DEVOTE ADDED RESOURCES TO...
STRATEGIC INITIATIVES PROGRAM: PCAP'S STRATEGIC INITIATIVES USE TARGETED FUNDING AND PARTNERSHIPS WITH SMALL BUSINESS-RELATED OR SECTOR-SPECIFIC COMMUNITY PARTNERS TO DEVOTE ADDED RESOURCES TO PARTICULAR SECTORS OR CONSTITUENCIES WITHIN PCAP'S STATED MISSION. THESE INITIATIVES FREQUENTLY COMBINE PCAP'S LOAN CAPITAL WITH TARGETED BUSINESS ADVISORY SERVICES IN ORDER TO ENSURE BORROWER SUCCESS.
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 | $21,708,242 | $17,631,883 | +0.2% |
| Expenses | $14,126,272 | $7,176,281 | +1.0% |
| Net Income | $7,581,970 | $10,455,602 | -0.3% |
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 |
|---|---|---|---|---|---|---|
| MARTEN R JENKINS JR | PRESIDENT AND CEO | 37.50 |
Officer
|
$249,272 | $46,827 | $296,099 |
| ANNA TEFFT | EXECUTIVE VICE PRESIDENT | 37.50 |
Key Emp
|
$176,887 | $28,383 | $205,270 |
| ROSALIND BLACK | EXECUTIVE VICE PRESIDENT & CFO | 37.50 |
Officer
|
$176,431 | $17,100 | $193,531 |
| ERIKA MCGILLEY | SENIOR VICE PRESIDENT | 37.50 |
Key Emp
|
$163,296 | $27,389 | $190,685 |
| JESSIE MAXWELL | VICE PRESIDENT | 37.50 |
Highest
|
$129,161 | $23,878 | $153,039 |
| KEVIN O'CONNOR | SENIOR VICE PRESIDENT | 37.50 |
Highest
|
$120,014 | $23,295 | $143,309 |
| JUSTIN WHITE | DIRECTOR OF PORTFOLIO MANAGEMENT | 37.50 |
Highest
|
$113,308 | $19,295 | $132,603 |
| NICHOLAS ALLEN | CONTROLLER | 37.50 |
Highest
|
$106,370 | $21,570 | $127,940 |
| JEFFREY LUSK | CHAIRMAN | 3.00 |
Officer
Director
|
$0 | $0 | $0 |
| GAT CAPERTON | VICE CHAIR, START 6/13/2024 | 3.00 |
Officer
Director
|
$0 | $0 | $0 |
| ROBERTA MCCULLOUGH | TREASURER, END 12/31/2024 | 3.00 |
Officer
Director
|
$0 | $0 | $0 |
| MINAL PATEL | TREASURER, START 12/31/2024 | 3.00 |
Officer
Director
|
$0 | $0 | $0 |
| VICKI LEE PARKER-HIGH | SECRETARY | 3.00 |
Officer
Director
|
$0 | $0 | $0 |
| KAREN JACOBSON | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| JEFFREY A AUSTIN | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| AMY KING CONDARAS | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| JENNIFER CURTIS | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| RAY DAFFNER | DIRECTOR | 1.00 |
Director
|
$0 | $0 | $0 |
| JERRELL J DEAVER JR | DIRECTOR, END 12/31/2024 | 1.00 |
Director
|
$0 | $0 | $0 |
| DWAIN NEELEY | DIRECTOR, START 9/18/2024 | 1.00 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | No data | No data | No data | No data |
| 2024 | $21,708,242 | $14,126,272 | $112,252,883 | $7,581,970 |
| 2023 | $17,631,883 | $7,176,281 | $98,103,185 | $10,455,602 |
| 2022 | $8,661,679 | $6,551,077 | $78,991,667 | $2,110,602 |
| 2021 | $8,875,484 | $4,906,599 | $71,837,020 | $3,968,885 |
| 2020 | $6,953,325 | $3,898,269 | $59,301,893 | $3,055,056 |
| 2019 | $4,581,815 | $4,622,427 | $50,438,308 | $-40,612 |
| 2018 | $4,957,008 | $4,326,075 | $46,291,093 | $630,933 |
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