COMMUNITY REDEVELOPMENT LOAN AND INVESTMENT FUND INC (EIN 582435590) - 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

1998

Legal Domicile

Principal Officer

JOHN O'CALLAGHAN

Phone

4045222637

Tax Period

2024-07-01 to 2025-06-30

COMMUNITY REDEVELOPMENT LOAN AND INVESTMENT FUND INC, founded in 1998, is a community nonprofit in the Community Improvement sector that reported $7.1M in total revenue in fiscal year 2024. Revenue surged 39% from the prior year, signaling strong growth momentum. The organization ran a surplus of $5.5M, a strong 78% operating margin.

Mission

DEVELOPS, FINANCES, AND ADVOCATES FOR AFFORDABLE HOUSING AT SCALE THAT PROMOTES RACIAL EQUITY AND HEALTHY COMMUNITIES WHERE FAMILIES THRIVE.

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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 $5,760,250

Program Service Revenue $1,027,067

Investment Income $268,332

Other Revenue $0

TOTAL REVENUE $7,055,649

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,560,882

Other Expenses $1,560,882

TOTAL EXPENSES $1,560,882

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,055,649	$5,085,136	+0.4%
Expenses	$1,560,882	$1,253,983	+0.2%
Net Income	$5,494,767	$3,831,153	+0.4%

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

$1,007,068

Total Directors

$2,226,950

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AGNES CASIMIR	CFO/DIRECTOR	40.00	Officer Director	$0	$50,595	$281,762
ANN CARPENTER	SECRETARY	1.00	Director	$0	$0	$0
AARON ABRAMOVITZ	DIRECTOR	1.00	Director	$0	$0	$0
VICTORIA ANGLIN	DIRECTOR	1.00	Director	$0	$0	$0
CHANDRA HASLEM	DIRECTOR	1.00	Director	$0	$0	$0
JASON PERLMUTTER	DIRECTOR	40.00	Director	$0	$37,004	$209,038
ZYKEREYES BENNETT	DIRECTOR	1.00	Director	$0	$0	$0
JOHN O'CALLAGHAN	CEO/DIRECTOR	40.00	Officer Director	$0	$69,219	$481,445
JACE GATEWOOD	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD SLATON	VICE-CHAIRMAN	1.00	Director	$0	$0	$0
RICHARD OGLESBY	DIRECTOR	1.00	Director	$0	$0	$0
PAMELA D CROSS	CHAIRMAN	1.00	Director	$0	$0	$0
SHIRLYNN FORTSON	DIRECTOR	1.00	Director	$0	$0	$0
RODERICK TEACHEY	DIRECTOR	1.00	Director	$0	$0	$0
NATE JESTER	DIRECTOR	1.00	Director	$0	$0	$0
SAM SHENBAGA	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN ADAMS	DIRECTOR	40.00	Director	$0	$57,006	$263,164
CECILIA LEAL	DIRECTOR	40.00	Director	$0	$45,124	$158,905
THOMAS J ROECK JR	TREASURER	1.00	Director	$0	$0	$0
MARY V GUDE	DIRECTOR	1.00	Director	$0	$0	$0
SHIKHA JERATH	DIRECTOR	1.00	Director	$0	$0	$0
HUGH ROWDEN	DIRECTOR	1.00	Director	$0	$0	$0
KEITH L THORNTON	DIRECTOR	1.00	Director	$0	$0	$0
DAPHNE BOND GODFREY	DIRECTOR	1.00	Director	$0	$0	$0
GEORGE S BURGAN	DIRECTOR	40.00	Director	$0	$35,249	$177,168
ALRICH LYNCH	DIRECTOR	1.00	Director	$0	$0	$0
SALISHA EVANS	DIRECTOR	40.00	Director	$0	$37,798	$208,798
ASHANI O'MARD	DIRECTOR	40.00	Officer Director	$0	$29,185	$243,861
RIAN PERRY SMITH	DIRECTOR	1.00	Director	$0	$0	$0
VY VU	DIRECTOR	1.00	Director	$0	$0	$0
CONNIE WRIGHT	DIRECTOR	1.00	Director	$0	$0	$0
SARA HAAS	DIRECTOR	40.00	Director	$0	$29,732	$202,809
ERICA ACIE	DIRECTOR	1.00	Director	$0	$0	$0
ASSATA BLACK	DIRECTOR	1.00	Director	$0	$0	$0
HOWARD FRANKLIN	DIRECTOR	1.00	Director	$0	$0	$0
NATOSHA REID RICE	DIRECTOR	1.00	Director	$0	$0	$0
CAROL YANCEY	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
2025	$7,055,649	$1,560,882	$33,053,042	$5,494,767
2024	$5,085,136	$1,253,983	$43,767,359	$3,831,153
2023	$2,631,431	$882,171	$35,792,391	$1,749,260
2023	$2,631,431	$882,171	$35,792,391	$1,749,260
2022	$3,977,537	$772,489	$28,022,804	$3,205,048
2021	$2,672,359	$706,620	$23,949,574	$1,965,739
2020	$1,111,059	$856,273	$20,854,044	$254,786
2019	$446,709	$479,264	$19,874,006	$-32,555
2018	$883,474	$364,915	$19,369,714	$518,559

COMMUNITY REDEVELOPMENT LOAN AND INVESTMENT FUND INC