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Community First Capital Corp

Tax-deductible

Lancaster, PA501(c)(3)Community DevelopmentEIN 20-0185800

To make loans available to persons living, working or interested in developing deteriorated communities and businesses located in PA, central PA and the surrounding communitites, to create jobs and affordable housing, and to provide business counseling, thereby reducing poverty and reducing the burdens of government.

501(c)(3) charity; gifts are tax-deductible.
41¢ of each $1 spent went to programs.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
4 of 6
filings with a surplus
Average surplus $138K a year · 19% of revenue · last 6 filings
Fine: a surplus in 4 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
41%
of spending
Concern: 41% of spending went to programs; under 50%.
Pt IX · Ln 25 · col B
Cash reserves
35 mo
of spending, in cash
Looks good: 34.8 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $8K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$5.8M
70% of total assets
Worth a look: liabilities are 70% of assets; over 65%.
Pt X · Ln 26
Independent board members
5
of 5 voting members
Looks good: 5 of 5 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$598K
-10% vs prior year
Spent
$349K
To programs
41%
Net assets
$2.5M
By yearFY2020–FY2025
Revenue
$598K
FY2025▼ -10%
Revenue by fiscal year
FY2020$1.3M
FY2021$677K
FY2022$475K
FY2023$701K
FY2024$662K
FY2025$598K
Expenses
$349K
FY2025▼ -34%
Expenses by fiscal year
FY2020$803K
FY2021$744K
FY2022$297K
FY2023$913K
FY2024$529K
FY2025$349K
Net assets
$2.5M
FY20250%
Net assets by fiscal year
FY2020$200K
FY2021$200K
FY2022$200K
FY2023$200K
FY2024$2.5M
FY2025$2.5M

From the FY2025 Form 990 (year ending June 2025) · see the original

Form 990 (PDF) Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Jun 2005.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

41 cents of each dollar spent went to programs.

Program services 41% · $142K Management & general 59% · $207K Fundraising 0% · $8

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

Who runs it and what they're paid

5 people listed on the 990.

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
$0Pt VII · Sec A
Dragan Dodik
Director
$0Pt VII · Sec A
Ed Gallagher
President
$0Pt VII · Sec A
$0Pt VII · Sec A
Joshua Druce
Secretary
$0Pt VII · Sec A
See Community First Capital Corp executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Provides loans and business counseling to create jobs and affordable housing in deteriorated communities.

Provided by the organization

This section is blank until Community First Capital Corp claims this page.

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1 program service account for $142K of program spending, described in the organization's own filed words · FY2024.
01

Community first capital corp makes community business and redevelopment loans, including loans that may be guaranteed by the U.S. Small business administration (sba). In march 2020 in response to the COVID-19 pandemic, the organization shifted its efforts to promotion of the sba paycheck protection program (PPP) to businesses located in…

$142Kprogram expense

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Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · funders on record
Grants received · FY2024
Cba FundFY2024$8K
Total grants receivedfrom 1 funder$8K

By the numbers

The FY2025 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$598K
Ln 12
Fees for servicesLn 2g$598K
Money outPt IX
$349K
Ln 25
Programscol B$142K
Managementcol C$207K
Fundraisingcol D$8
Owns and owesPt X
$2.5M
net assets · Ln 32
Cash and savingsLn 1–2$1.0M
Total assetsLn 16$8.3M
LiabilitiesLn 26$5.8M
PeoplePt VI, VII
5
listed · VII A
PaidVII A0
Voting boardVI 1a5
IndependentVI 1b5
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$598K
Total revenueLn 12$598K
Assets in detailPt X, end of year
CashLn 1$1.0M
Cash and savings togetherLn 1–2$1.0M
Total assetsLn 16$8.3M
LiabilitiesLn 26$5.8M
Net assetsLn 32$2.5M
OperationsPt I, VI
EmployeesI 50
Fiscal year endsHeaderJune
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$2.5M$1.0M
Total assetsLn 16$8.8M$8.3M
LiabilitiesLn 26$6.3M$5.8M
Net assetsLn 32$2.5M$2.5M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Management feesLn 11a$169K$50K$119K
InterestLn 20$87K$87K
Other expenses (24a–d)Ln 24$92K$92K$6$8
Total functional expensesLn 25$349K$142K$207K$8

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $598K$349K$250K$2.5M 990 PDF
FY2024 $662K$529K$133K$2.5M 990 PDF
FY2023 $701K$913K−$212K$200K 990 PDF
FY2022 $475K$297K$177K$200K 990 PDF
FY2021 $677K$744K−$67K$200K 990 PDF
FY2020 $1.3M$803K$545K$200K 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (4 parts)
Part VIII · Statement of revenue $598,382 across 2 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $598,382$598,382
VIII-12 Total revenueRelated to mission $598,382$598,382
Part IX · Statement of functional expenses $348,545 across 3 lines filed
IX-11a Management feesPrograms $49,940 · Management $119,348$169,288
IX-20 InterestManagement $87,325$87,325
IX-24 Other expenses (24a–d)Programs $91,918 · Management $6 · Fundraising $8$91,932
IX-25 Total functional expensesPrograms $141,858 · Management $206,679 · Fundraising $8$348,545
Part X · Balance sheet $8,330,521 assets, 8 lines filed
Asset lines not itemized here account for $7,319,646; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $2,473,449$1,010,875
X-16 Total assetsStart of year $8,792,864$8,330,521
X-17 Accounts payable and accrued expensesStart of year $13,292$38,432
X-25 Other liabilitiesStart of year $6,279,572$5,792,089
X-26 Total liabilitiesStart of year $6,292,864$5,830,521
X-27 Net assets without donor restrictionsStart of year $2,500,000$2,500,000
X-32 Total net assets or fund balancesStart of year $2,500,000$2,500,000
X-33 Total liabilities and net assetsStart of year $8,792,864$8,330,521
Part XI · Reconciliation of net assets $2,500,000 net assets at year end
XI-1 Total revenue$598,382
XI-2 Total expenses$348,545
XI-3 Revenue less expenses$249,837
XI-4 Net assets at start of year$2,500,000
XI-9 Other changes in net assets−$249,837
XI-10 Net assets at end of year$2,500,000

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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