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Community First Capital Corp FY2020 filing

Tax-deductible

Lancaster, PA501(c)(3)Community Development EIN 20-0185800Revenue $1.3M in FY2020

On file with the IRSPo Box 524, 17608-0524 · Lancaster, PATax-exempt since Jun 2005Supporting organization — 509(a)(3)

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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.
100¢ of each $1 spent went to programs.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX

Before you give

FY2020 · 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
100%
of spending
Looks good: 100% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Cash reserves
8 mo
of spending, in cash
Looks good: 8.0 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
$17.4M
99% of total assets
Concern: liabilities are 99% of assets; over 80%.
Pt X · Ln 26
Independent board members
4
of 4 voting members
Looks good: 4 of 4 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$1.3M
Spent
$803K
To programs
100%
Net assets
$200K
By yearFY2020–FY2025
Revenue
$1.3M
FY2020
Tap a bar for its year
Revenue by fiscal year
FY2020$1.3M
FY2021$677K
FY2022$475K
FY2023$701K
FY2024$662K
FY2025$598K
Expenses
$803K
FY2020
Tap a bar for its year
Expenses by fiscal year
FY2020$803K
FY2021$744K
FY2022$297K
FY2023$913K
FY2024$529K
FY2025$349K
Net assets
$200K
FY2020
Tap a bar for its year
Net assets by fiscal year
FY2020$200K
FY2021$200K
FY2022$200K
FY2023$200K
FY2024$2.5M
FY2025$2.5M

From the FY2020 Form 990 (year ending June 2020) · figures checked against the IRS filing · see the original

990 PDF Claim
You’re viewing the FY2020 filing — not the latest on file. See the latest (FY2025) →

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

100 cents of each dollar spent went to programs.

Program services 100% · $803K

Form 990 Part IX, line 25. Every line is in By the numbers.

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Who runs it and what they're paid

4 people listed on the 990.

Part VII, Section A · reportable compensation · most recent filed roster (FY2019); the FY2020 filing did not itemize Part VII
$0Pt VII · Sec A
Joan Brodhead
President
$0Pt VII · Sec A
$0Pt VII · Sec A
Ramon Estevez
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.

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Provided by the organization

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1 program · $803K · in their own filed words · FY2019
01

Ccommunity 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…

$803Kprogram expense

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 FY2020 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$1.3M
Ln 12
Fees for servicesLn 2g$1.3M
Money outPt IX
$803K
Ln 25
Programscol B$803K
Owns and owesPt X
$200K
net assets · Ln 32
Cash and savingsLn 1–2$533K
Total assetsLn 16$17.6M
LiabilitiesLn 26$17.4M
PeoplePt VI, VII
4
listed · VII A
PaidVII A0
Voting boardVI 1a4
IndependentVI 1b4
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$1.3M
Total revenueLn 12$1.3M
Assets in detailPt X, end of year
CashLn 1$533K
Cash and savings togetherLn 1–2$533K
Total assetsLn 16$17.6M
LiabilitiesLn 26$17.4M
Net assetsLn 32$200K
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 FY20End FY20
Cash and savingsLn 1–2$107K$533K
Total assetsLn 16$6.6M$17.6M
LiabilitiesLn 26$6.4M$17.4M
Net assetsLn 32$200K$200K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Management feesLn 11a$376K$376K
Other fees for servicesLn 11g$5K$5K
InterestLn 20$154K$154K
Other expenses (24a–d)Ln 24$267K$267K
Total functional expensesLn 25$803K$803K$0$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $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 Viewing $1.3M$803K$545K$200K 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2020 990 (6 parts)
Part I · Summary $1,347,897 revenue, 12 lines filed
I-8 Contributions and grants$0
I-9 Program service revenuePrior year $814,961$1,347,897
I-10 Investment income$0
I-11 Other revenue$0
I-12 Total revenuePrior year $814,961$1,347,897
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefits$0
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $500,782$803,048
I-18 Total expensesPrior year $500,782$803,048
I-19 Revenue less expensesPrior year $314,179$544,849
Part VI · Governance 4 of 4 board members independent, no flags
VI-1a Voting members of the governing body4
VI-1b Independent voting members4
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $1,347,897 across 2 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $1,347,897$1,347,897
VIII-12 Total revenueRelated to mission $1,347,897$1,347,897
Part IX · Statement of functional expenses $803,048 across 4 lines filed
IX-11a Management feesPrograms $376,327$376,327
IX-11g Other fees for servicesPrograms $5,243$5,243
IX-20 InterestPrograms $154,481$154,481
IX-24 Other expenses (24a–d)Programs $266,997$266,997
IX-25 Total functional expensesPrograms $803,048 · Management $0 · Fundraising $0$803,048
Part X · Balance sheet $17,606,260 assets, 8 lines filed
Asset lines not itemized here account for $17,069,654; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $106,750$533,371
X-4 Accounts receivable$3,235
X-16 Total assetsStart of year $6,643,479$17,606,260
X-25 Other liabilitiesStart of year $6,443,479$8,806,260
X-26 Total liabilitiesStart of year $6,443,479$17,406,260
X-27 Net assets without donor restrictionsStart of year $200,000$200,000
X-32 Total net assets or fund balancesStart of year $200,000$200,000
X-33 Total liabilities and net assetsStart of year $6,643,479$17,606,260
Part XI · Reconciliation of net assets $200,000 net assets at year end
XI-1 Total revenue$1,347,897
XI-2 Total expenses$803,048
XI-3 Revenue less expenses$544,849
XI-4 Net assets at start of year$200,000
XI-9 Other changes in net assets−$544,849
XI-10 Net assets at end of year$200,000

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

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