Ripple Community INC FY2021 filing

Tax-deductible

Allentown, PA501(c)(3)Community DevelopmentEIN 47-4828012Revenue $465K in FY2021

On file with the IRSripplecommunityinc.org1335 W Linden St, 18102-4334 · Allentown, PATax-exempt since Nov 2015Publicly supported charity — 170(b)(1)(A)(vi)

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To nurture Community and connection in allentown by fostering a sense of Community among our neighbors who have traditionally been marginalized and by cultivating connections across social boundaries.

501(c)(3) charity; gifts are tax-deductible.
81¢ of each $1 spent went to programs.
$81K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

Before you give

FY2021 · 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
5 of 6
filings with a surplus
Average surplus $54K a year · 10% of revenue · last 6 filings
Fine: a surplus in 5 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
81%
of spending
Looks good: 81% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$81K
to officers and key staff · 20% of spending
Fine: pay to officers and key staff is 20% of spending; 15% to 20%.
Pt VII · Sec A
Cash reserves
13 mo
of spending, in cash
Looks good: 13.2 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
14
named funders · $402K
Looks good: 14 funders name it on their filings; 3 or more.
Funders’ Sch. I, 990-PF
Liabilities
$7K
1% of total assets
Looks good: liabilities are 1% of assets; 50% or less.
Pt X · Ln 26
Independent board members
8
of 8 voting members
Looks good: 8 of 8 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$465K
+18% vs prior year
Spent
$411K
To programs
81%
Net assets
$450K
By yearFY2020–FY2025
Revenue
$465K
FY2021▲ +18%
Tap a bar for its year
Revenue by fiscal year
FY2020$396K
FY2021$465K
FY2022$443K
FY2023$649K
FY2024$500K
FY2025$846K
Expenses
$411K
FY2021▲ +34%
Tap a bar for its year
Expenses by fiscal year
FY2020$308K
FY2021$411K
FY2022$427K
FY2023$546K
FY2024$595K
FY2025$692K
Net assets
$450K
FY2021▲ +14%
Tap a bar for its year
Net assets by fiscal year
FY2020$396K
FY2021$450K
FY2022$454K
FY2023$552K
FY2024$458K
FY2025$612K

From the FY2021 Form 990 (year ending September 2021) · figures checked against the IRS filing · see the original

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You’re viewing the FY2021 filing — not the latest on file. See the latest (FY2025) →

Is it real?

Yes. Exemption reinstated (2014-02-15). Per the IRS revocation list. Latest filing on record: FY2025. IRS ruling in Nov 2015.

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

Where the money goes

81 cents of each dollar spent went to programs.

Program services 81% · $332K Management & general 14% · $56K Fundraising 6% · $24K

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

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Who runs it and what they're paid

9 people listed on the 990; $81K paid to officers and key staff.

Part VII, Section A · reportable compensation · most recent filed roster (FY2020); the FY2021 filing did not itemize Part VII
Executive Director
$80,522Pt VII · Sec A
Treasurer
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Director
$0Pt VII · Sec A

Sherri Binder’s $90K as Executive Director is at the 66th percentile of top reported officer pay among 1709 $100K–1M community development nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 1 named individual · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Sherri Binder$90,258$85,251$82,219$80,692$80,522$41,458

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Ripple Community INC 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

Fosters community and connection for marginalized neighbors in Allentown.

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Provided by the organization

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2 programs · $332K · in their own filed words · FY2020
01

Community Building Center

Day center that provides social support and meaningful relationships for socially and economically marginalized residents. Serves over 180 residents annually.

$211Kprogram expense
02

Rci Village

Provides permanent supportive housing for socially vulnerable and extremely low-income households. Serves 17 households.

$120Kprogram expense

Funders

Who pays for it.

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

Grants

Schedule I · received and paid
Grants received · FY2024
See all 14 funders →
Grants paid · 1 grant · $10K · 2020–2020
Rci Village PropertiesPA · FY2020$10,000

By the numbers

The FY2021 990, line by line.

1The main four
Money inPt VIII
$465K
Ln 12
Gifts and grantsLn 1h$464K
Investment incomeLn 3$1K
Money outPt IX
$411K
Ln 25
Programscol B$332K
Managementcol C$56K
Fundraisingcol D$24K
Owns and owesPt X
$450K
net assets · Ln 32
Cash and savingsLn 1–2$453K
Total assetsLn 16$457K
LiabilitiesLn 26$7K
PeoplePt VI, VII
9
listed · VII A
PaidVII A1
Voting boardVI 1a8
IndependentVI 1b8
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$464K
Government grantsLn 1e$97K
Noncash giftsLn 1g$4K
Investment incomeLn 3$1K
Gains on assetsLn 7$982
Total revenueLn 12$465K
Assets in detailPt X, end of year
CashLn 1$173K
SavingsLn 2$281K
Cash and savings togetherLn 1–2$453K
InvestmentsLn 11–13$0
Land, buildings, equipmentLn 10c$4K
Total assetsLn 16$457K
LiabilitiesLn 26$7K
Net assetsLn 32$450K
OperationsPt I, VI
EmployeesI 59
VolunteersI 635
Fiscal year endsHeaderSeptember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY21End FY21
Cash and savingsLn 1–2$359K$453K
InvestmentsLn 11–13$37K$0
Land, buildings, equipmentLn 10c$3K$4K
Total assetsLn 16$399K$457K
LiabilitiesLn 26$3K$7K
Net assetsLn 32$396K$450K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$10K$10K
Pay of current officers, directors and key staffLn 5$84K$52K$16K$16K
Other salaries and wagesLn 7$143K$143K
Other employee benefitsLn 9$8K$8K
Payroll taxesLn 10$19K$3K$15K
Legal feesLn 11b$928$928
Accounting feesLn 11c$11K$11K
Other fees for servicesLn 11g$6K$175$2K$4K
Office expensesLn 13$5K$2K$2K$2K
Information technologyLn 14$5K$237$3K$1K
OccupancyLn 16$40K$39K$309
Depreciation, depletion and amortizationLn 22$407$407
InsuranceLn 23$5K$2K$3K
Other expenses (24a–d)Ln 24$75K$73K$2K$87
Total functional expensesLn 25$411K$332K$56K$24K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $846K$692K$154K$612K 990 PDF
FY2024 $500K$595K−$94K$458K 990 PDF
FY2023 $649K$546K$103K$552K 990 PDF
FY2022 $443K$427K$16K$454K 990 PDF
FY2021 Viewing $465K$411K$54K$450K 990 PDF
FY2020 $396K$308K$88K$396K 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 FY2021 990 (6 parts)
Part I · Summary $465,439 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $394,673$464,038
I-9 Program service revenuePrior year $0$0
I-10 Investment incomePrior year $1,198$1,401
I-11 Other revenuePrior year $0$0
I-12 Total revenuePrior year $395,871$465,439
I-13 Grants and similar amounts paidPrior year $0$10,000
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $176,861$253,582
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $130,764$147,467
I-18 Total expensesPrior year $307,625$411,049
I-19 Revenue less expensesPrior year $88,246$54,390
Part VI · Governance 8 of 8 board members independent, 1 to look at
VI-1a Voting members of the governing body8
VI-1b Independent voting members8
VI-14 Document retention and destruction policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $465,439 across 7 lines filed
VIII-1e Government grants$96,555
VIII-1f All other contributions, gifts and grants$367,483
VIII-1g Noncash contributions (included above)$3,975
VIII-1h Total contributions, gifts and grants$464,038
VIII-3 Investment incomeExcluded from tax $419$419
VIII-7 Net gain or loss on sales of assetsExcluded from tax $982$982
VIII-12 Total revenueRelated to mission $0 · Unrelated business $0 · Excluded from tax $1,401$465,439
Part IX · Statement of functional expenses $411,049 across 14 lines filed
IX-1 Grants to domestic organizationsPrograms $10,000$10,000
IX-5 Pay of current officers, directors and key staffPrograms $51,529 · Management $16,408 · Fundraising $16,365$84,302
IX-7 Other salaries and wagesPrograms $142,987$142,987
IX-9 Other employee benefitsPrograms $7,649$7,649
IX-10 Payroll taxesPrograms $3,417 · Management $15,227$18,644
IX-11b Legal feesManagement $928$928
IX-11c Accounting feesManagement $10,803$10,803
IX-11g Other fees for servicesPrograms $175 · Management $1,657 · Fundraising $4,205$6,037
IX-13 Office expensesPrograms $1,612 · Management $1,611 · Fundraising $1,611$4,834
IX-14 Information technologyPrograms $237 · Management $2,968 · Fundraising $1,488$4,693
IX-16 OccupancyPrograms $39,495 · Management $309$39,804
IX-22 Depreciation, depletion and amortizationManagement $407$407
IX-23 InsurancePrograms $1,799 · Management $2,979$4,778
IX-24 Other expenses (24a–d)Programs $72,773 · Management $2,323 · Fundraising $87$75,183
IX-25 Total functional expensesPrograms $331,673 · Management $55,620 · Fundraising $23,756$411,049
Part X · Balance sheet $457,164 assets, 11 lines filed
X-1 Cash, non-interest-bearingStart of year $83,437$172,853
X-2 Savings and temporary cash investmentsStart of year $275,518$280,509
X-10c Land, buildings and equipment, netStart of year $2,909$3,802
X-11 Publicly traded securitiesStart of year $37,321$0
X-16 Total assetsStart of year $399,185$457,164
X-17 Accounts payable and accrued expensesStart of year $3,130$6,719
X-26 Total liabilitiesStart of year $3,130$6,719
X-27 Net assets without donor restrictionsStart of year $338,541$422,413
X-28 Net assets with donor restrictionsStart of year $57,514$28,032
X-32 Total net assets or fund balancesStart of year $396,055$450,445
X-33 Total liabilities and net assetsStart of year $399,185$457,164
Part XI · Reconciliation of net assets $450,445 net assets at year end
XI-1 Total revenue$465,439
XI-2 Total expenses$411,049
XI-3 Revenue less expenses$54,390
XI-4 Net assets at start of year$396,055
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$450,445

Form 990 e-file (XML) FY2021 from the IRS · Classification, formation year and address from the IRS Business Master File

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