Nonprofit · EIN 23-3079170
RISING TIDE COMMUNITY LOAN FUND
Tax-exempt · BETHLEHEM, PA 18015
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| June 30, 2025 | 990 | $531,752 | $629,968 | -$98,216 | $5,974,641 | $3,952,579 | $2,022,062 |
| June 30, 2024 | 990 | $652,946 | $1,028,854 | -$375,908 | $6,222,255 | $4,101,977 | $2,120,278 |
| June 30, 2023 | 990 | $955,580 | $812,180 | $143,400 | $6,802,134 | $4,305,948 | $2,496,186 |
Financial details: 990 for the year ended June 30, 2025
Revenue
- Contributions, gifts and grants
- $164,333
- of which government grants
- $81,134
- Program service revenue
- $283,173
- Investment income
- $84,246
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $6,678
- Other salaries and wages
- $181,144
- Salaries, compensation and benefits (total)
- $257,986
- Professional fundraising fees
- $0
- Legal fees
- $14,504
- Accounting fees
- $21,108
- Travel
- $308
- Depreciation
- $3,828
- Program services (functional)
- $524,748
- Management and general (functional)
- $63,164
- Fundraising (functional)
- $42,056
Balance sheet and other
- Total assets, start of year
- $6,222,255
- Total assets, end of year
- $5,974,641
- Total liabilities, end of year
- $3,952,579
- Net assets, end of year
- $2,022,062
- Land, buildings and equipment
- $1,080
- Net assets without donor restrictions
- $1,661,818
- Net assets with donor restrictions
- $360,244
- Gross receipts
- $531,752
- Employees
- 4
- Volunteers
- 18
- Year formed
- 2001
- State of legal domicile
- PA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended June 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| DAWN GODSHALL | EXECUTIVE DIRECTOR Officer | 1 | $0 | $181,444 | $46,384 |
| JESSICA REIMERT | CFO EFF 3-2025 Officer | 1 | $0 | $109,783 | $38,409 |
| CHRIS HUDOCK | ASSOCIATE EXECUTIVE DIRECT Officer | 50 | $0 | $92,455 | $35,358 |
| STEPHEN BROOME | CFO THRU 9/24 Officer | 1 | $0 | $85,090 | $24,683 |
| KATHERINE DUQUE | COO EFF 5-2025 Officer | 1 | $0 | $72,682 | $33,633 |
| SALLY HANDLON | PRESIDENT Trustee or director, Officer | 2 | $0 | $0 | $0 |
| TODD WATKINS | VICE-PRESIDENT Trustee or director, Officer | 2 | $0 | $0 | $0 |
| DAVID HAMMER | TREASURER Trustee or director, Officer | 2 | $0 | $0 | $0 |
| ELIZABETH ORTIZ | SECRETARY Trustee or director, Officer | 2 | $0 | $0 | $0 |
| COLLEEN KRCELICH | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| DANIEL DIAZ | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| DAVID KORMANIK | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| JOSH LAMPE | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| KIM EDWARDS | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| LAUREN TAROLA | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
7 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| MAREK TOMANEK | BOARD MEMBER Trustee or director | 2 | $0 |
| OTIS MCNEIL | BOARD MEMBER Trustee or director | 2 | $0 |
| PAS SIMPSON | BOARD MEMBER Trustee or director | 2 | $0 |
| PAT CORPORA | BOARD MEMBER (THRU 12-24) Trustee or director | 2 | $0 |
| RUSSELL FLETCHER JR | BOARD MEMBER (THRU 11-24) Trustee or director | 2 | $0 |
| SEAN ZILLER | BOARD MEMBER Trustee or director | 2 | $0 |
| WAYNE BARZ | BOARD MEMBER Trustee or director | 2 | $0 |
990 for the year ended June 30, 2024: 19 people
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| DAWN GODSHALL | EXECUTIVE DIRECTOR Officer | 1 | $0 | $175,881 | $30,511 |
| CHRIS HUDOCK | ASSOCIATE EXECUTIVE DIRECTOR Officer | 50 | $0 | $89,466 | $32,019 |
| STEPHEN BROOME | DEPUTY EXECUTIVE DIRECTOR-FINANCE Officer | 1 | $0 | $73,198 | $0 |
| OTIS MCNEIL | PRESIDENT (THRU 12/23) Trustee or director, Officer | 2 | $0 | $0 | $0 |
| SALLY HANDLON | PRESIDENT Trustee or director, Officer | 2 | $0 | $0 | $0 |
| TODD WATKINS | VICE-PRESIDENT Trustee or director, Officer | 2 | $0 | $0 | $0 |
| DAVID HAMMER | TREASURER Trustee or director, Officer | 2 | $0 | $0 | $0 |
| CHRIS JONES | SECRETARY (THRU 12/23) Trustee or director, Officer | 2 | $0 | $0 | $0 |
| ELIZABETH ORTIZ | SECRETARY Trustee or director, Officer | 2 | $0 | $0 | $0 |
| WAYNE BARZ | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| PAT CORPORA | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| DANIEL DIAZ | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| KIM EDWARDS | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| RUSSELL FLETCHER JR | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| COLLEEN KRCELICH | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| JOSH LAMPE | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| GINA MASSOTO | BOARD MEMBER (THRU 2/24) Trustee or director | 2 | $0 | $0 | $0 |
| LAUREN TAROLA | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| MAREK TOMANEK | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
990 for the year ended June 30, 2023: 17 people
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| DAWN GODSHALL | EXECUTIVE DIRECTOR Trustee or director | 1 | $0 | $168,561 | $13,784 |
| CHRIS HUDOCK | ASSOCIATE EXECUTIVE DIR OF Trustee or director | 50 | $0 | $85,868 | $8,133 |
| BYRON ARAGON | DEPUTY EXECUTIVE DIRECTOR FOR FINANCE Former | 1 | $0 | $53,104 | $239 |
| STEPHEN BROOME | DEPUTY EXECUTIVE DIRECTOR FOR FINANCE Trustee or director | 1 | $0 | $0 | $0 |
| OTIS MCNEIL | PRESIDENT Trustee or director, Officer | 2 | $0 | $0 | $0 |
| SALLY HANDLON | VICE-PRESIDENT Trustee or director, Officer | 2 | $0 | $0 | $0 |
| CHRIS JONES | SECRETARY Trustee or director, Officer | 2 | $0 | $0 | $0 |
| DAVID HAMMER | TREASURER Trustee or director, Officer | 2 | $0 | $0 | $0 |
| WAYNE BARZ | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| PAT CORPORA | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| GINA MASSOTO | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| COLLEEN KRCELICH | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| ELIZABETH ORTIZ | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| LAUREN TAROLA | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| MAREK TOMANEK | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| TODD WATKINS | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
| RUSSELL FLETCHER JR | BOARD MEMBER Trustee or director | 2 | $0 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1337 E 5TH ST, BETHLEHEM, PA 18015-2103
- Principal officer (990 for 2024)
- DAWN GODSHALL, 1337 EAST FIFTH STREET, BETHLEHEM, PA 18015
- Signed the 990
- DAWN GODSHALL, EXECUTIVE DIRECTOR
- Phone
- (610) 691-5620
- Website
- CACLV.ORG
- Return prepared by
- CLIFTONLARSONALLEN LLP
Mission
THE ORGANIZATION PROVIDES LOANS TO SMALL OR START-UP BUSINESS VENTURES, THAT MAY NOT QUALIFY TO BANK STANDARDS THEREBY IMPROVING ECONOMICALLY DEPRESSED COMMUNITIES.
Program accomplishments
- THE ORGANIZATION PROVIDES LOANS TO SMALL OR START-UP BUSINESS VENTURES, THAT MAY NOT QUALIFY TO BANK STANDARDS, TO IMPROVE THE SOCIAL WELFARE OF ECONOMICALLY DEPRESSED OR BLIGHTED NEIGHBORHOODS OF THE COMMUNITY.MADE LOANS TO 16 DIFFERENT BUSINESS, OF THESE 12 WERE TO BUSIENSSES OWNED BY LOW-TO-MODERATE INCOME INDIVIDUALS AND/OR LOCATED IN LOW-TO-MODERATE INCOME CENSUS TRACTS, 8 WERE MADE TO WOMAN-OWNED BUSINESSES AND 6 WERE MADE TO MINORITY-OWNED BUSINESSES. BUSINESSES THAT RECEIVED LOANS IN 2024-2025 WERE 4 EATERIES, AN ARTIST, A BREWERY, A VENDING COMPANY, A COFFEE SHOPT, A CHILDCARE CENTER, A FILM MAKER, A SHIPPING COMPANY, AN ART STUDIO, A PLANT SHOP, A PERFUME STORE, AND A TRANSPORTATION COMPANY. THE 16 FUNDED BUSINESSES REPORTED THE CREATION OR RETENTION OF 99 JOBS.Expenses $524,748 · grants $6,678 · revenue $283,173
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in June, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | June 30, 2026 | November 16, 2026 | Not due yet |
| 2024 | June 30, 2025 | November 17, 2025 | 990 on file |
| 2023 | June 30, 2024 | November 15, 2024 | 990 on file |
IRS record
- EIN
- 23-3079170
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 2002
- Accounting year ends
- June
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Community improvement and capacity building (S31)
- Assets (IRS master file)
- $5,974,641
- Income (IRS master file)
- $531,752
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | June 2025 | $531,752 | $629,968 | $5,974,641 | XML |
| 990 | June 2024 | $652,946 | $1,028,854 | $6,222,255 | XML |
| 990 | June 2023 | $955,580 | $812,180 | $6,802,134 | XML |
| 990 | June 2022 | $8,811,127 | $8,165,963 | $5,943,913 | IRS |
| 990 | June 2021 | – | – | – | IRS |
| 990 | June 2020 | – | – | – | IRS |
| 990 | June 2019 | – | – | – | IRS |
| 990 | June 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 23-3079170).
Questions about RISING TIDE COMMUNITY LOAN FUND
- What is the EIN of RISING TIDE COMMUNITY LOAN FUND?
- The employer identification number (EIN) of RISING TIDE COMMUNITY LOAN FUND is 23-3079170.
- Is RISING TIDE COMMUNITY LOAN FUND tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2002.
- Are donations to RISING TIDE COMMUNITY LOAN FUND tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does RISING TIDE COMMUNITY LOAN FUND file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of RISING TIDE COMMUNITY LOAN FUND due?
- The return for tax year 2025 (the year ending June 30, 2026) is due November 16, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did RISING TIDE COMMUNITY LOAN FUND last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended June 2025.
- Who is the principal officer of RISING TIDE COMMUNITY LOAN FUND?
- The 990 for the year ended June 30, 2025 names DAWN GODSHALL.
- Who are the officers and directors of RISING TIDE COMMUNITY LOAN FUND?
- The 990 for the year ended June 30, 2025 lists 22 people; 0 received compensation from the organization.
- How much revenue does RISING TIDE COMMUNITY LOAN FUND have?
- On its 990 for the year ended June 30, 2025 it reported revenue of $531,752, expenses of $629,968 and total assets of $5,974,641 at year end.
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