{"success":true,"data":{"_id":411616861,"filings":[{"Organization":{"value":null,"Person":["KIMBERLY LATTIMER-NELLIGAN","REZA AGHAMIRZADEH","LAURA TRUDEAU","EILEEN FITZGERALD","DAVID ADAME","MICHAEL BANNER","JANIE BARRERA","GAVIN BOROWIAK","TONY BROWN","DON GRAVES","CALVIN HOLMES","STEVE KENT","BILL KRUGLER","WILLIE F LOGAN","SALLI MARTYNIAK","ANDY POSNER","LUTHER RAGIN JR","DANIEL SPILLER","GERALD THOLE","FRANK ALTMAN","JENNIFER ANDERSON","DANIEL KOMAREK","KEITH RACHEY","JENNIFER NOVAK","MICHELLE PAGE","DAWN JOHNSON","NICHOLAS ELDERS","JUDY JANDRO","ROBERT TREADWAY","ERIC CHAPIN","PETER BERNACIAK","GARY HOLMQUIST","ERIC MAU","HYEOK JAE KANG","JENNIFER ERICSON"],"Title":["CHAIR","VICE CHAIR","SECRETARY","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","CEO","PRESIDENT AND CFO","SVP AND CRO","SVP AND CHIEF IMPACT OFFIC","SVP CAPITAL MARKETS","VP LOAN SERVICING","VP AND CPO","VP TECHNOLOGY SOLUTIONS","SVP SMALL BUSINESS LENDING","LARGE LOAN PROCESS TEAM LEAD","GENERAL COUNSEL","DIRECTOR OF STRUCTURED FIN","REGIONAL DIRECTOR OF BUSINESS DEVELOPMENT","PRINCIPAL ARCHITECT","CAPITAL MARKETS CONTROLLER","REGIONAL DIRECTOR OF BUSINESS DEVELOPMENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,548031,303470,266112,262209,254375,212235,240798,213131,0,187471,201380,175762,230824,191636,166283,232226],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,436468,272275,234066,241791,222768,191971,226850,183735,0,159283,172545,148127,200460,163134,138992,209012],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,111563,31195,32046,20418,31607,20264,13948,29396,0,28188,28835,27635,30364,28502,27291,23214]},"Basic":{"value":null,"mission":"To empower people to improve their lives and strengthen their communities through innovative financial solutions.","year":2018,"name":"COMMUNITY REINVESTMENT FUND INC","phone":6123383050,"website":"WWW.CRFUSA.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"FRANK ALTMAN","year_formation":1988,"state_legal_domicile":"MN","total_volunteers":17,"tax_period_begin":"2018-07-01T00:00:00","tax_period_end":"2019-06-30T00:00:00","address":"801 NICOLLET MALL 1700W, MINNEAPOLIS, MN, 554022903, USA","city":"MINNEAPOLIS","state":"MN","country":"USA","zip_code":554022903},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":17,"Number of independent voting members":16,"Number of employees total":79,"Total Gross UBI":695271,"Net unrelated business taxable income":-421363,"Number of employees":79,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":23357764,"Contributions":{"value":4399264,"Other contributions":3699264,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":700000,"Related organizations":0},"Program revenue":{"value":18948530,"Total revenue":{"value":18948530,"LOAN SERVICING INTEREST INCOME":8140167,"OTHER LENDING INCOME":7811852,"LOAN SERVICING TRANSACTION FEES":2301240,"SPARK SOFTWARE SALES":695271},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":9970,"Other total":9970,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":21442217,"Grant expense":{"value":36000,"Grants to domestic orgs":36000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":8998090,"Current officers":2562970,"Disqualified persons":0,"Other salaries and wages":4622109,"Pension plan contributions":0,"Other employee benefits":1249250,"Payroll taxes":563761},"Other expenses":{"value":12408127,"Management services":95126,"Legal":286750,"Accounting":159089,"Lobbying services":121819,"Investment management fees":0,"Other services":1805856,"Advertising":23731,"Office expenses":93257,"Information technology":197758,"Royalties":0,"Occupancy":301291,"Travel":280570,"Conferences and meetings":77604,"Interest":6254325,"Payments to affiliates":0,"Depreciation and depletion":393108,"Insurance":207665,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2006950,"PROVISION FOR LOAN LOSS":955329,"AMORTIZATION OF SERVICI":579578,"REFERRAL FEES":308735,"DUES AND SUBSCRIPTIONS":163308},"All other expenses":103228},"Functional Expenses":{"value":null,"Program Service Expenses":16897240,"Management And General Expenses":3772815,"Fundraising Expenses":772162}},"Assets":{"value":121270124,"Non-interest bearing cash":0,"Savings and temp cash investments":26161034,"Pledges and grants receivable":628167,"Accounts receivable":564467,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":85376204,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":938516,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":1406196,"Other assets":6195540},"Liabilities":{"value":118257679,"Sum of Total Liabilities":0,"Accounts payable, accrued":9696399,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":10694729,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":97866551,"Other liabilities":0},"Fund balance":{"value":3012445,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":1329646,"Temporarily restricted net assets":1682799,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7880360505632417,"percentile":0.610829916299453},"Fundraising Efficiency":{"score":5.697332943087073,"percentile":0.23596938163224357},"Operating Margin":{"score":0.08200900565653459,"percentile":0.5908036780070594},"Liabilities to Assets Ratio":{"score":0.9751592156366559,"percentile":0.05492225920263244},"Operating Reserve Ratio":{"score":5.6556709597706245,"percentile":0.8246102315986289},"Officer Compensation Ratio":{"score":0.17190120779022058,"percentile":0.3652839226645347},"Program Expense Growth":{"score":-0.06216007732787831,"percentile":0.18059710317300498},"Revenue Growth":{"score":-0.031274449671516935,"percentile":0.2637615622824132},"Asset Growth":{"score":-0.10632114337872409,"percentile":0.09935020678042417},"Independent Voting Board Pct":{"score":0.9411764705882353,"percentile":0.26299051702139165},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.43970327144284854,"percentile":0.19131034562752494}},"source_xml":"202030519349300008_public.xml"},{"Organization":{"value":null,"Person":["KIMBERLY LATTIMER-NELLIGAN","REZA AGHAMIRZADEH","SALLI MARTYNIAK","ALTON BATHRICK","MICHAEL BANNER","JANIE BARRERA","TONY BROWN","KARL EGGE","EILEEN FITZGERALD","CALVIN HOLMES","LUTHER RAGIN JR","DANIEL SPILLER","GERALD THOLE","LAURA TRUDEAU","FRANK ALTMAN","JENNIFER ANDERSON","DANIEL KOMAREK","KEITH RACHEY","JENNIFER NOVAK","DAWN JOHNSON","MICHELLE PAGE","COLLEEN SCHWARZ","NICHOLAS ELDERS","ROBERT TREADWAY","BRIAN BURKE","ERIC CHAPIN","GARY HOLMQUIST","ERIC MAU","VICTORIA STEIN","HYEOK JAE KANG","JENNIFER ERICSON"],"Title":["CHAIR","VICE CHAIR","SECRETARY","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","PRESIDENT AND CEO","SVP AND CFO","SVP AND CLO","SVP AND COO","VP OF CAPITAL MARKETS","VP AND CPO","DIRECTOR OF LOAN OPERATIONS","VP OF AFFORDABLE HOUSING LENDING","VP OF TECHNOLOGY SOLUTIONS","SBLC COO","NATIONAL DIRECTOR OF SBA LENDING","VP OF LEGAL AFFAIRS, COMPLIANCE & AUDIT","REGIONAL DIRECTOR OF BUSINESS DEVELOPMENT","PRINCIPAL ARCHITECT","VP OF STRATEGIC PARTNERSHIP","CONTROLLER OF CAPITAL MARKETS","REGIONAL DIRECTOR OF BUSINESS DEVELOPMENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,609793,402485,352126,356014,306132,279590,229934,254021,235121,217442,230896,229708,233984,224096,172851,185503,205974],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,588243,381185,324826,330264,277469,260829,208634,230023,205582,186802,215234,200389,202929,193060,145631,156327,181975],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,21550,21300,27300,25750,28663,18761,21300,23998,29539,30640,15662,29319,31055,31036,27220,29176,23999]},"Basic":{"value":null,"mission":"To empower people to improve their lives and strengthen their communities through innovative financial solutions.","year":2016,"name":"COMMUNITY REINVESTMENT FUND INC","phone":6123383050,"website":"WWW.CRFUSA.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JENNIFER ANDERSON","year_formation":1988,"state_legal_domicile":"MN","total_volunteers":14,"tax_period_begin":"2016-07-01T00:00:00","tax_period_end":"2017-06-30T00:00:00","address":"801 NICOLLET MALL 1700W, MINNEAPOLIS, MN, 554022903, USA","city":"MINNEAPOLIS","state":"MN","country":"USA","zip_code":554022903},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":15,"Number of independent voting members":14,"Number of employees total":84,"Total Gross UBI":28000,"Net unrelated business taxable income":0,"Number of employees":84,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":24869816,"Contributions":{"value":4230605,"Other contributions":2830605,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":1400000,"Related organizations":0},"Program revenue":{"value":20459256,"Total revenue":{"value":20459256,"LOAN SERVICING INTEREST INCOME":10250542,"LOAN SERVICING TRANSACTION FEES":7385951,"OTHER LENDING INCOME":2731844,"SPARK SOFTWARE SALES":90919},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":179955,"Other total":179955,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":24797773,"Grant expense":{"value":75960,"Grants to domestic orgs":10800,"Grants to domestic individuals":65160,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":10219842,"Current officers":2663186,"Disqualified persons":0,"Other salaries and wages":5769183,"Pension plan contributions":213000,"Other employee benefits":999805,"Payroll taxes":574668},"Other expenses":{"value":14501971,"Management services":0,"Legal":194076,"Accounting":511145,"Lobbying services":0,"Investment management fees":0,"Other services":2082299,"Advertising":177644,"Office expenses":601821,"Information technology":168913,"Royalties":0,"Occupancy":0,"Travel":270731,"Conferences and meetings":0,"Interest":8646937,"Payments to affiliates":0,"Depreciation and depletion":658499,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1161567,"PROVISION FOR LOAN LOSS":716972,"REFERRAL FEES":280191,"LOAN SERVICING FEES":91657,"COMMUNICATION":72747},"All other expenses":28339},"Functional Expenses":{"value":null,"Program Service Expenses":19823618,"Management And General Expenses":3707949,"Fundraising Expenses":1266206}},"Assets":{"value":159193943,"Non-interest bearing cash":0,"Savings and temp cash investments":28016959,"Pledges and grants receivable":839042,"Accounts receivable":683705,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":122043471,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":714292,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":1406196,"Other assets":5490278},"Liabilities":{"value":155532611,"Sum of Total Liabilities":0,"Accounts payable, accrued":9880053,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":8609779,"Loans from officers, directors":0,"Secured mortgages and notes payable":500000,"Unsecured notes loans payable":136542779,"Other liabilities":0},"Fund balance":{"value":3661332,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":253921,"Temporarily restricted net assets":3407411,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7994112213221728,"percentile":0.6240411494123239},"Fundraising Efficiency":{"score":3.3411664452703587,"percentile":0.12940321448698489},"Operating Margin":{"score":0.00289680470494836,"percentile":0.404130981464245},"Liabilities to Assets Ratio":{"score":0.9770008083787459,"percentile":0.05472643236272047},"Operating Reserve Ratio":{"score":6.419687082384374,"percentile":0.842069301546261},"Officer Compensation Ratio":{"score":0.19056832240540308,"percentile":0.3302507830101092},"Program Expense Growth":{"score":-0.05140896050032057,"percentile":0.19611679852887873},"Revenue Growth":{"score":-0.017105106970733287,"percentile":0.3056647659714809},"Asset Growth":{"score":-0.1006116450601349,"percentile":0.10379196972547308},"Independent Voting Board Pct":{"score":0.9333333333333333,"percentile":0.25846041760016036},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.40826927071626196,"percentile":0.13495806221243453}},"source_xml":"201820319349300507_public.xml"},{"Organization":{"value":null,"Person":["FRANK ALTMAN","KIM LATIMER-NELLIGAN","REZA AGHAMIRZADEH","SALLI MARTYNIAK","ALTON BATHRICK","JIM BAIRD","MICHAEL BANNER","TONY BROWN","MIKE CHRISTENSON","KARL EGGE","WARREN HANSON","CALVIN HOLMES","JAMES KLEIN","DAVID SCHECK","JAMES SOLEM","GERALD THOLE","SCOTT YOUNG","COLLEEN SCHWARZ","WARREN MCLEAN","RICHARD HEBL","KEITH RACHEY","MARY KAISER","JENNIFER NOVAK","DANIEL KOMAREK","DAWN JOHNSON","NICHOLAS ELDERS","BRIAN BURKE","JOAN BARNES","GARY HOLMQUIST"],"Title":["PRESIDENT - CEO","CHAIR","VICE CHAIR","SECRETARY","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","VICE PRESIDENT - CFO","VP OF SALES","VP OF DEVELOPMENT","VICE PRESIDENT","CHIEF CUSTOMER OFFICER","SECRETARY","DIRECTOR OF CAPITAL MARKETS","CHIEF CREDIT OFFICER","DIRECTOR OF ASSET MGMT","DIRECTOR OF IT","NATIONAL DIRECTOR OF SBA","VP OF MARKETING","MARKETING MANAGER"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[640614,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,576828,305502,280198,210032,117403,0,319376,266277,289163,175698,224070,213642,203245],"Direct compensation":[590364,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,543800,285178,237750,182579,103419,0,281850,230050,267500,140150,214433,194900,169604],"Other compensation":[50250,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,33028,20324,42448,27453,13984,0,37526,36227,21663,35548,9637,18742,33641]},"Basic":{"value":null,"mission":"To improve the lives of disadvantaged people and strengthen distressed communities through innovative finance.","year":2013,"name":"COMMUNITY REINVESTMENT FUND INC","phone":6123383050,"website":"WWW.CRFUSA.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT YOUNG","year_formation":1988,"state_legal_domicile":"MN","total_volunteers":15,"tax_period_begin":"2013-07-01T00:00:00","tax_period_end":"2014-06-30T00:00:00","address":"801 NICOLLET MALL NO 1700W, MINNEAPOLIS, MN, 554022903, USA","city":"MINNEAPOLIS","state":"MN","country":"USA","zip_code":554022903},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":16,"Number of independent voting members":15,"Number of employees total":66,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":66,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":27109793,"Contributions":{"value":6319080,"Other contributions":6319080,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":20790713,"Total revenue":{"value":20790713,"LOAN SERVICING INTEREST INCOME":15080389,"LOAN SERVICING FEES":3861264,"OTHER REVENUE":1849060},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":26698525,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":8770408,"Current officers":2740503,"Disqualified persons":0,"Other salaries and wages":4265520,"Pension plan contributions":220434,"Other employee benefits":1072638,"Payroll taxes":471313},"Other expenses":{"value":17928117,"Management services":0,"Legal":334234,"Accounting":374856,"Lobbying services":0,"Investment management fees":0,"Other services":2023672,"Advertising":0,"Office expenses":245395,"Information technology":0,"Royalties":0,"Occupancy":256217,"Travel":346696,"Conferences and meetings":75416,"Interest":12645832,"Payments to affiliates":0,"Depreciation and depletion":501634,"Insurance":181116,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":943049,"PROVISIONS FOR LOAN LOS":598527,"EMPLOYEE OVERHEAD":199600,"DUES & SUBSCRIPTIONS":72471,"MISCELLANEOUS":72451},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":23681320,"Management And General Expenses":2369279,"Fundraising Expenses":647926}},"Assets":{"value":217318933,"Non-interest bearing cash":49,"Savings and temp cash investments":29035606,"Pledges and grants receivable":2108667,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":180960656,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1150309,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":1406196,"Other assets":2657450},"Liabilities":{"value":217492444,"Sum of Total Liabilities":0,"Accounts payable, accrued":7190070,"Grants payable":1525093,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":4714068,"Loans from officers, directors":0,"Secured mortgages and notes payable":178030532,"Unsecured notes loans payable":26032681,"Other liabilities":0},"Fund balance":{"value":-173511,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":-2354826,"Temporarily restricted net assets":2181315,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8869898243442288,"percentile":0.7501524574448374},"Fundraising Efficiency":{"score":9.752780410108562,"percentile":0.39155354710123014},"Operating Margin":{"score":0.015170458881777519,"percentile":0.4393790586260075},"Liabilities to Assets Ratio":{"score":1.0007984163993664,"percentile":0.04923406305460373},"Operating Reserve Ratio":{"score":8.139735547188469,"percentile":0.8708198176368699},"Officer Compensation Ratio":{"score":0.14315577358674308,"percentile":0.4283926083259627},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.9375,"percentile":0.26093132342715336},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5562179804623455,"percentile":0.47568876224081236}},"source_xml":"201541399349300869_public.xml"},{"Organization":{"value":null,"Person":["REZA AGHAMIRZADEH","DANIEL SPILLER","STEVEN KENT","LAURA TRUDEAU","DAVID ADAME","ANDREW POSNER","WILLIAM KRUGLER","WILLIE LOGAN","TONY BROWN","KATHRYN ROCK","CHRYSTEL CORNELIUS","CALVIN HOLMES","GARY CUNNINGHAM","GAVIN BOROWIAK","LUTHER RAGIN JR","STEFANIE STEWARD-YOUNG","JACQUELINE WOODS","FRANK ALTMAN","JENNIFER ANDERSON","KEITH RACHEY","JENNIFER NOVAK","JUDITH JANDRO","MICHELLE PAGE","SIMON MCNEIL","BRANDON DIXON","ERIC CHAPIN","DEBRA MOUNSEY","PAUL TREMEWAN","ERIK MAU","PATRICK DAVIS","JENNIFER ERICSON","NICHOLAS ELDERS","ERIK SWENSON"],"Title":["CHAIR","VICE CHAIR","TREASURER","SECRETARY","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","CEO","PRESIDENT","EVP CHIEF IMPACT OFFICER","SVP CAPITAL MARKETS","SVP SMALL BUSINESS LENDING","VP OF LOAN SERVICING","SVP OPERATIONS","CHIEF CREDIT OFFICER","GENERAL COUNSEL","VP OF HUMAN RESOURCES","VP OF FINANCE","CHIEF TECHNOLOGY OFFICER-IGNIFY","VP OF PROGRAM STRATEGY","VP OF DEVELOPMENT AND LENDING","CEO-IGNIFY","CHIEF OPERATING OFFICER-IGNIFY"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,0.0,40.0,40.0,0.0,0.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,772527,653846,554506,367808,333591,228006,99069,257613,304900,273210,220585,56585,276371,251126,68738,54756],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,749144,514108,414438,328067,293860,211550,90836,221477,266418,251829,201817,0,258718,224190,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,23383,139738,140068,39741,39731,16456,8233,36136,38482,21381,18768,56585,17653,26936,68738,54756]},"Basic":{"value":null,"mission":"Empower people to improve their lives and strengthen their communities through financial solutions.","year":2021,"name":"COMMUNITY REINVESTMENT FUND INC","phone":6123383050,"website":"WWW.CRFUSA.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"FRANK ALTMAN","year_formation":1988,"state_legal_domicile":"MN","total_volunteers":17,"tax_period_begin":"2021-07-01T00:00:00","tax_period_end":"2022-06-30T00:00:00","address":"801 NICOLLET MALL 1700W, MINNEAPOLIS, MN, 554022903, USA","city":"MINNEAPOLIS","state":"MN","country":"USA","zip_code":554022903},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":17,"Number of independent voting members":17,"Number of employees total":100,"Total Gross UBI":-3353,"Net unrelated business taxable income":0,"Number of employees":100,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":38368250,"Contributions":{"value":13250390,"Other contributions":11724125,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":1526265,"Related organizations":0},"Program revenue":{"value":25280758,"Total revenue":{"value":25280758,"LENDING TRANSACTION FEES":16457771,"LENDING INTEREST INCOME":6337040,"OTHER LENDING INCOME":2485947},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":-162898,"Other total":-159545,"Royalties revenue":0,"Net rental income":-3353,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":32918771,"Grant expense":{"value":945865,"Grants to domestic orgs":945865,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":17774087,"Current officers":3266403,"Disqualified persons":0,"Other salaries and wages":10751761,"Pension plan contributions":0,"Other employee benefits":2724403,"Payroll taxes":1031520},"Other expenses":{"value":14198819,"Management services":413671,"Legal":939895,"Accounting":221557,"Lobbying services":100000,"Investment management fees":9000,"Other services":6089716,"Advertising":364080,"Office expenses":35635,"Information technology":794545,"Royalties":0,"Occupancy":306336,"Travel":430025,"Conferences and meetings":0,"Interest":2845003,"Payments to affiliates":0,"Depreciation and depletion":1433563,"Insurance":343352,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":-836756,"AMORTIZATION OF SERVICI":760150,"DUES AND SUBSCRIPTIONS":274050,"PROVISION FOR LOAN LOSS":-1870956},"All other expenses":709197},"Functional Expenses":{"value":null,"Program Service Expenses":25976618,"Management And General Expenses":5891333,"Fundraising Expenses":1050820}},"Assets":{"value":166360640,"Non-interest bearing cash":0,"Savings and temp cash investments":78350828,"Pledges and grants receivable":69351,"Accounts receivable":3199906,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":77304810,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":3696336,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":1406196,"Other assets":2333213},"Liabilities":{"value":100590346,"Sum of Total Liabilities":0,"Accounts payable, accrued":17021889,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":7523050,"Loans from officers, directors":0,"Secured mortgages and notes payable":18417270,"Unsecured notes loans payable":57628137,"Other liabilities":0},"Fund balance":{"value":65770294,"Net assets without donor restriction":64133525,"Net assets with donor restriction":1636769,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7891126312097132,"percentile":0.6120362836634899},"Fundraising Efficiency":{"score":12.609571572676577,"percentile":0.46960580723638795},"Operating Margin":{"score":0.1420309500693933,"percentile":0.6879188550952692},"Liabilities to Assets Ratio":{"score":0.6046523143935969,"percentile":0.11124459837471916},"Operating Reserve Ratio":{"score":5.053671049869997,"percentile":0.8078241256167068},"Officer Compensation Ratio":{"score":0.14500046189452212,"percentile":0.4239463123435018},"Program Expense Growth":{"score":0.053010022517989586,"percentile":0.5425462360357874},"Revenue Growth":{"score":0.1139615961115084,"percentile":0.7929451704452397},"Asset Growth":{"score":0.02355291803001325,"percentile":0.4188736936218101},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.628475900604775,"percentile":0.6859484563482438}},"source_xml":"202310419349301001_public.xml"},{"Organization":{"value":null,"Person":["FRANK ALTMAN","GARY HOLMQUIST","JENNIFER ANDERSON","JENNIFER NOVAK","KEITH RACHEY","NICHOLAS ELDERS","MICHELLE PAGE","JUDITH JANDRO","DANIEL KOMAREK","ERIC CHAPIN","JENNIFER ERICSON","ERIK MAU","DEBRA MOUNSEY","PETER BERNACIAK","PATRICK DAVIS","REZA AGHAMIRZADEH","LUTHER RAGIN JR","SALLI MARTYNIAK","LAURA TRUDEAU","EILEEN FITZGERALD","STEVEN KENT","DAVID ADAME","MICHAEL BANNER","GAVIN BOROWIAK","TONY BROWN","DONET GRAVES","CALVIN HOLMES","WILLIAM KUGLER","KIMBERLY LATTIMER-NELLIGAN","WILLIE F LOGAN","ANDREW POSNER","KATHRYN ROCK","DANIEL SPILLER"],"Title":["CEO","REGIONAL DIRECTOR OF BUSINESS DEVELOPMENT","PRESIDENT AND CFO","SVP CAPITAL MARKETS","SVP AND CHIEF IMPACT OFFICER","SENIOR VP TECHNOLOGY PLATFORMS","VP LOAN SERVICING","SVP SMALL BUSINESS LENDING","SVP AND CRO","GENERAL COUNSEL","REGIONAL DIRECTOR OF BUSINESS DEVELOPMENT","PRINCIPAL ARCHITECT","VP OF HUMAN RESOURCES","VP OF STRUCTURED FINANCE","VP OF PROGRAM STRATEGY AND DEVELOPMENT","CHAIR","VICE CHAIR","SECRETARY","SECRETARY","TREASURER","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[394658,318222,295953,258939,250063,233172,222571,220403,215277,213499,208351,194636,178464,174451,162639,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[374038,287071,265000,226936,229540,202523,202048,208867,195000,183708,186450,165743,164565,153172,148574,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[20620,31151,30953,32003,20523,30649,20523,11536,20277,29791,21901,28893,13899,21279,14065,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To empower people to improve their lives and strengthen their communities through innovative financial solutions.","year":2019,"name":"COMMUNITY REINVESTMENT FUND INC","phone":6123383050,"website":"WWW.CRFUSA.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"FRANK ALTMAN","year_formation":1988,"state_legal_domicile":"MN","total_volunteers":16,"tax_period_begin":"2019-07-01T00:00:00","tax_period_end":"2020-06-30T00:00:00","address":"801 NICOLLET MALL 1700W, MINNEAPOLIS, MN, 554022903, USA","city":"MINNEAPOLIS","state":"MN","country":"USA","zip_code":554022903},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":17,"Number of independent voting members":16,"Number of employees total":79,"Total Gross UBI":1040077,"Net unrelated business taxable income":-176025,"Number of employees":79,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":53118127,"Contributions":{"value":17117536,"Other contributions":17117536,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":36000591,"Total revenue":{"value":36000591,"LOAN SERVICING TRANSACTION FEES":20607158,"OTHER LENDING INCOME":8007646,"LOAN SERVICING INTEREST INCOME":6345710,"SPARK SOFTWARE SALES":1040077},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":32885047,"Grant expense":{"value":150000,"Grants to domestic orgs":150000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":12414366,"Current officers":3008790,"Disqualified persons":0,"Other salaries and wages":7734055,"Pension plan contributions":0,"Other employee benefits":1033122,"Payroll taxes":638399},"Other expenses":{"value":20320681,"Management services":0,"Legal":675495,"Accounting":314660,"Lobbying services":0,"Investment management fees":0,"Other services":4528518,"Advertising":390041,"Office expenses":34773,"Information technology":218736,"Royalties":0,"Occupancy":299661,"Travel":250512,"Conferences and meetings":0,"Interest":5297453,"Payments to affiliates":0,"Depreciation and depletion":364189,"Insurance":200765,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":7546508,"PROVISION FOR LOAN LOSS":5886022,"ALLOWANCE FOR RECEIVABL":839664,"AMORTIZATION OF SERVICI":545563,"REFERRAL FEES":275259},"All other expenses":199370},"Functional Expenses":{"value":null,"Program Service Expenses":26817924,"Management And General Expenses":5295723,"Fundraising Expenses":771400}},"Assets":{"value":272393749,"Non-interest bearing cash":0,"Savings and temp cash investments":46063259,"Pledges and grants receivable":441447,"Accounts receivable":20748175,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":197201397,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":940790,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":1406196,"Other assets":5592485},"Liabilities":{"value":250202665,"Sum of Total Liabilities":0,"Accounts payable, accrued":19160087,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":9077234,"Loans from officers, directors":0,"Secured mortgages and notes payable":140059009,"Unsecured notes loans payable":81906335,"Other liabilities":0},"Fund balance":{"value":22191084,"Net assets without donor restriction":17308643,"Net assets with donor restriction":4882441,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8155051139200136,"percentile":0.6452583116496017},"Fundraising Efficiency":{"score":22.190220378532537,"percentile":0.6237940393453514},"Operating Margin":{"score":0.38090725601074,"percentile":0.8769650511068688},"Liabilities to Assets Ratio":{"score":0.9185330644279946,"percentile":0.061621134877989224},"Operating Reserve Ratio":{"score":8.283209964699154,"percentile":0.8727378659847838},"Officer Compensation Ratio":{"score":0.1076871807420558,"percentile":0.5270990116466191},"Program Expense Growth":{"score":-0.0028483756937567003,"percentile":0.31151644257374245},"Revenue Growth":{"score":0.09068898484804991,"percentile":0.7416759545680937},"Asset Growth":{"score":-0.0025311975407550954,"percentile":0.30864799442193297},"Independent Voting Board Pct":{"score":0.9411764705882353,"percentile":0.26299051702139165},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6026390966738514,"percentile":0.613197829046295}},"source_xml":"202100819349300815_public.xml"},{"Organization":{"value":null,"Person":["Frank Altman","Kim Latimer-Nelligan","Reza Aghamirzadeh","Salli Martyniak","Alton M Bathrick","Jim Baird","Michael Banner","Tony Brown","Karl Egge","Warren Hanson","Calvin L Holmes","James R Klein","David Scheck","James J Solem","Mike Christenson","Gerald Thole","Scott Young","Keith Rachey","Warren McLean","Colleen Schwartz","Jennifer Novak","Daniel Komarek","Dawn Johnson","Nicholas Elders","Kevin Riba","Brian Burke","Jennifer Ericson","Gary Holmquist"],"Title":["President and CEO","Chair","Vice Chair","Secretary","Treasurer","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","SVP/CFO (TERM. 6/2015)","SVP and COO","VP of Development","VP of Affordable Hsg Lending","VP of Capital Markets","Chief Credit Officer","VP and Chief Portfolio Officer","VP of Tech. Sol. and services","Reg Dir of Bus Development","National Director of SBA","Reg Dir of Bus Development","Reg Dir of Bus Develop"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[718699,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,644277,404637,329821,244353,346688,314464,334117,254196,224917,214307,223259,226746],"Direct compensation":[674302,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,598001,374365,286678,224485,309845,278623,310201,216596,204826,197204,195349,189963],"Other compensation":[44397,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,46276,30272,43143,19868,36843,35841,23916,37600,20091,17103,27910,36783]},"Basic":{"value":null,"mission":"To improve the lives of disadvantaged people and strengthen distressed communities through innovative finance.","year":2014,"name":"Community Reinvestment Fund Inc","phone":6123383050,"website":"www.CRFUSA.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Jennifer Anderson","year_formation":1988,"state_legal_domicile":"MN","total_volunteers":15,"tax_period_begin":"2014-07-01T00:00:00","tax_period_end":"2015-06-30T00:00:00","address":"801 Nicollet Mall SUITE 1700W, Minneapolis, MN, 554022903, USA","city":"Minneapolis","state":"MN","country":"USA","zip_code":554022903},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":16,"Number of independent voting members":15,"Number of employees total":83,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":83,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":23797623,"Contributions":{"value":4142808,"Other contributions":4142808,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":19654815,"Total revenue":{"value":19654815,"LOAN SERVICING INTEREST INCOME":12022724,"LOAN SERVICING TRANSACTION FEES":4928524,"OTHER INCOME":2703567},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":23467749,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":8441219,"Current officers":2001402,"Disqualified persons":0,"Other salaries and wages":4472423,"Pension plan contributions":186986,"Other employee benefits":1271313,"Payroll taxes":509095},"Other expenses":{"value":15026530,"Management services":0,"Legal":186822,"Accounting":256007,"Lobbying services":0,"Investment management fees":0,"Other services":1034305,"Advertising":0,"Office expenses":172040,"Information technology":0,"Royalties":0,"Occupancy":464378,"Travel":285932,"Conferences and meetings":40864,"Interest":10746906,"Payments to affiliates":0,"Depreciation and depletion":812576,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":936070,"PROVISION FOR LOAN LOSSES":502408,"SERVICING FEES":197710,"EMPLOYEE OVERHEAD":187275,"DUES/SUBSCRIPTIONS":48677},"All other expenses":90630},"Functional Expenses":{"value":null,"Program Service Expenses":20779871,"Management And General Expenses":2033779,"Fundraising Expenses":654099}},"Assets":{"value":195598895,"Non-interest bearing cash":50,"Savings and temp cash investments":23944454,"Pledges and grants receivable":2516530,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":163338834,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1380159,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":1406196,"Other assets":3012672},"Liabilities":{"value":196285236,"Sum of Total Liabilities":0,"Accounts payable, accrued":7508314,"Grants payable":514530,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":3339000,"Loans from officers, directors":0,"Secured mortgages and notes payable":170330851,"Unsecured notes loans payable":14592541,"Other liabilities":0},"Fund balance":{"value":-686341,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":-2756592,"Temporarily restricted net assets":2070251,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8854650269184318,"percentile":0.7477850370167481},"Fundraising Efficiency":{"score":6.333610049854839,"percentile":0.2638218044022784},"Operating Margin":{"score":0.013861636517226952,"percentile":0.4357656166217517},"Liabilities to Assets Ratio":{"score":1.003508920640886,"percentile":0.048955276099457094},"Operating Reserve Ratio":{"score":8.334795765882786,"percentile":0.8734284118919402},"Officer Compensation Ratio":{"score":0.19092078238948268,"percentile":0.32963394735261264},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.9375,"percentile":0.26093132342715336},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5318952683049076,"percentile":0.4056815247952007}},"source_xml":"201620429349301022_public.xml"},{"Organization":{"value":null,"Person":["MATTHEW ROTH","JENNIFER NOVAK","ALEXIS DISHMAN","PATRICK DAVIS","KINFE ARGAW","CHARITY VICKERS","PAUL TREMEWAN","KATELYN BEDNARSKI","ANNA BURGETT","SANDRA DELANCY","ERIK O'LEARY","PETER BERNACIAK","ANISHA MURPHY","CYRUS KHARAS","ERIC CHAPIN","JENNIFER ANDERSON","DANIEL SPILLER","STEVE KENT","JEANINE JACOKES","LAURA TRUDEAU","REZA AGHAMIRZADEH","RUBEN ALONSO","GAVIN BOROWIAK","TONY BROWN","CHRYSTEL CORNELIUS","JA'NET DEFELL","RENAY DOSSMAN","LUTHER RAGIN JR","SARA RAZAVI","KATHY ROCK","GEORGE SURGEON","JIE WANG","CALVIN HOLMES","BILL KRUGLER"],"Title":["CEO & PRESIDENT","SVP CDFI FUND PROGRAMS","SVP CHIEF LENDING OFFICER","SVP PLATFORM AND TECHNOLOGY SERVICES","SVP CHIEF CREDIT OFFICER","SVP CHIEF PEOPLE OFFICER","SVP CHIEF FINANCIAL OFFICER","SVP CHIEF OF STAFF","CHIEF LEGAL COUNSEL","SENIOR DIRECTOR OF EDMA","PRINCIPAL ARCHITECT","VP, STRUCTURED FINANCE","VP, PROGRAM DESIGN/EXECUTION","VP, PROGRAM DESIGN/EXECUTION","GENERAL COUNSEL THRU 8/24","CHIEF ADMIN OFFICER THRU 3/24","CHAIR","TREASURER","SECRETARY AS OF 1/25","SECRETARY THRU 1/25","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE AS OF 1/25","TRUSTEE AS OF 1/25","TRUSTEE","TRUSTEE AS OF 3/25","TRUSTEE","TRUSTEE AS OF 3/25","TRUSTEE","TRUSTEE THRU 1/25","TRUSTEE THRU 3/25"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[565843,313846,276358,275873,275406,274862,273748,253314,251993,241735,233718,219938,208797,207962,188663,98355,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[532348,269696,245584,252907,233087,241201,250883,212047,210789,201019,212759,188892,189025,198059,160210,90243,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[33495,44150,30774,22966,42319,33661,22865,41267,41204,40716,20959,31046,19772,9903,28453,8112,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To expand economic opportunity for small businesses and communities by reimagining the way capital and resources flow.","year":2024,"name":"COMMUNITY REINVESTMENT FUND INC","phone":6123383050,"website":"WWW.CRFUSA.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MATTHEW ROTH","year_formation":1988,"state_legal_domicile":"MN","total_volunteers":18,"tax_period_begin":"2024-07-01T00:00:00","tax_period_end":"2025-06-30T00:00:00","address":"801 NICOLLET MALL 1700W, MINNEAPOLIS, MN, 55402, USA","city":"MINNEAPOLIS","state":"MN","country":"USA","zip_code":55402},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":16,"Number of independent voting members":15,"Number of employees total":106,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":106,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":46782310,"Contributions":{"value":28677919,"Other contributions":28677919,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":18075081,"Total revenue":{"value":18075081,"LENDING INTEREST INCOME":11072318,"LENDING TRANSACTION FEES":6598599,"OTHER LENDING INCOME":404164},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":29310,"Other total":29310,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":31421112,"Grant expense":{"value":350000,"Grants to domestic orgs":350000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":15310779,"Current officers":3043491,"Disqualified persons":0,"Other salaries and wages":8925407,"Pension plan contributions":351591,"Other employee benefits":2124775,"Payroll taxes":865515},"Other expenses":{"value":15760333,"Management services":692462,"Legal":432110,"Accounting":331345,"Lobbying services":100000,"Investment management fees":24875,"Other services":1989247,"Advertising":23294,"Office expenses":29149,"Information technology":648326,"Royalties":0,"Occupancy":418068,"Travel":360638,"Conferences and meetings":0,"Interest":3589523,"Payments to affiliates":0,"Depreciation and depletion":880751,"Insurance":362739,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5558675,"PROVISION FOR LOAN LOSS":5132162,"COMMUNICATION":345126,"DUES & SUBSCRIPTIONS":81387},"All other expenses":319131},"Functional Expenses":{"value":null,"Program Service Expenses":25138961,"Management And General Expenses":5724503,"Fundraising Expenses":557648}},"Assets":{"value":199070542,"Non-interest bearing cash":0,"Savings and temp cash investments":48881923,"Pledges and grants receivable":1129344,"Accounts receivable":4983200,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":137797272,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1363808,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":1406196,"Other assets":3508799},"Liabilities":{"value":105461967,"Sum of Total Liabilities":0,"Accounts payable, accrued":17004893,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":4608301,"Loans from officers, directors":0,"Secured mortgages and notes payable":12591699,"Unsecured notes loans payable":71257074,"Other liabilities":0},"Fund balance":{"value":93608575,"Net assets without donor restriction":91253994,"Net assets with donor restriction":2354581,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8000659238285392,"percentile":0.6255963361877985},"Fundraising Efficiency":{"score":51.42656119989671,"percentile":0.7868369436547916},"Operating Margin":{"score":0.3283548418194826,"percentile":0.8515684437477976},"Liabilities to Assets Ratio":{"score":0.5297718383667233,"percentile":0.1279423187536564},"Operating Reserve Ratio":{"score":6.335566417891258,"percentile":0.8403521319316551},"Officer Compensation Ratio":{"score":0.13240814010656274,"percentile":0.4554923525564981},"Program Expense Growth":{"score":0.04145639528471268,"percentile":0.49772408078484937},"Revenue Growth":{"score":0.07243910050417061,"percentile":0.6894618504523286},"Asset Growth":{"score":0.008793477797755083,"percentile":0.35663826700874474},"Independent Voting Board Pct":{"score":0.9375,"percentile":0.26093132342715336},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6250338472416982,"percentile":0.6766209708336341}},"source_xml":"202620369349301422_public.xml"},{"Organization":{"value":null,"Person":["FRANK ALTMAN","JENNIFER ANDERSON","KEITH RACHEY","NICHOLAS ELDERS","GARY HOLMQUIST","JENNIFER NOVAK","ERIK SWENSON","ERIK MAU","JUDITH JANDRO","SIMON MCNEIL","ERIC CHAPIN","PATRICK DAVIS","PAUL TREMEWAN","BRANDON DIXON","ERIK O'LEARY","DEBRA MOUNSEY","KINFE ARGAW","CHARITY VICKERS","MATTHEW ROTH","REZA AGHAMIRZADEH","DANIEL SPILLER","STEVEN KENT","LAURA TRUDEAU","DAVID ADAME","RUBEN ALONSO III","GAVIN BOROWIAK","TONY BROWN","CHRYSTEL CORNELIUS","GARY CUNNINGHAM","CALVIN HOLMES","JEANNINE JACOKES","WILLIAM KRUGLER","WILLIE LOGAN","ANDY POSNER","LUTHER RAGIN JR","KATHRYN ROCK","STEFANIE STEWARD-YOUNG","JACQUELINE WOODS"],"Title":["CEO","CHIEF ADMINISTRATIVE OFFICER","EVP CHIEF IMPACT OFFICER UNTIL 6/23","CEO - IGNIFY","REGIONAL DIRECTOR OF BUSINESS DEVELOPMENT UNTIL 6/","SVP CAPITAL MARKETS","CHIEF OPERATING OFFICER - IGNIFY","CHIEF TECHNOLOGY OFFICER - IGNIFY","SVP SMALL BUSINESS LENDING UNTIL 2/23","SVP OPERATIONS UNTIL 6/23","GENERAL COUNSEL","SVP OF PLATFORM AND TECH SERVICES","SVP & CFO","CHIEF CREDIT OFFICER UNTIL 2/23","PRINCIPAL ARCHITECT","VP OF HUMAN RESOURCES UNTIL 9/22","SVP CHIEF CREDIT OFFICER","SVP CHIEF PEOPLE OFFICER","CEO & PRESIDENT","CHAIR","VICE CHAIR","TREASURER","SECRETARY","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE UNTIL 3/23","TRUSTEE UNTIL 2/23","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE UNTIL 6/23","TRUSTEE","TRUSTEE","TRUSTEE UNTIL 2/23","TRUSTEE"],"Hours":[40.0,40.0,40.0,0.0,40.0,40.0,0.0,0.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[726099,563253,491870,68738,366596,356338,54756,56585,327971,315152,291145,267200,253867,264276,235283,205939,216953,40112,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[701411,521050,449342,0,324437,314137,0,0,286689,285157,251429,247868,229626,225891,217436,189859,181175,37593,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[24688,42203,42528,68738,42159,42201,54756,56585,41282,29995,39716,19332,24241,38385,17847,16080,35778,2519,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To improve lives and strengthen communities through innovative financial solutions.","year":2022,"name":"COMMUNITY REINVESTMENT FUND INC","phone":6123383050,"website":"WWW.CRFUSA.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MATTHEW ROTH","year_formation":1988,"state_legal_domicile":"MN","total_volunteers":15,"tax_period_begin":"2022-07-01T00:00:00","tax_period_end":"2023-06-30T00:00:00","address":"801 NICOLLET MALL 1700W, MINNEAPOLIS, MN, 55402, USA","city":"MINNEAPOLIS","state":"MN","country":"USA","zip_code":55402},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":16,"Number of independent voting members":15,"Number of employees total":118,"Total Gross UBI":-2862,"Net unrelated business taxable income":0,"Number of employees":118,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":55474462,"Contributions":{"value":26484053,"Other contributions":10139834,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":16344219,"Related organizations":0},"Program revenue":{"value":20635271,"Total revenue":{"value":20635271,"LENDING TRANSACTION FEES":12205167,"LENDING INTEREST INCOME":7384789,"OTHER LENDING INCOME":1045315},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":8568393,"Investment income total":0,"Net investment gain":8568393,"Income from invest bond proceeds":0},"Other revenues":{"value":-213255,"Other total":-210393,"Royalties revenue":0,"Net rental income":-2862,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":45512446,"Grant expense":{"value":691623,"Grants to domestic orgs":691623,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":21245317,"Current officers":3174545,"Disqualified persons":0,"Other salaries and wages":13853861,"Pension plan contributions":0,"Other employee benefits":3138594,"Payroll taxes":1078317},"Other expenses":{"value":23575506,"Management services":2493991,"Legal":803105,"Accounting":347513,"Lobbying services":0,"Investment management fees":18000,"Other services":3597240,"Advertising":675534,"Office expenses":35668,"Information technology":966313,"Royalties":0,"Occupancy":295025,"Travel":573617,"Conferences and meetings":0,"Interest":2575027,"Payments to affiliates":0,"Depreciation and depletion":2167073,"Insurance":440498,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":7735467,"PROVISION FOR LOAN LOSS":7547796,"DUES & SUBSCRIPTIONS":187671},"All other expenses":851435},"Functional Expenses":{"value":null,"Program Service Expenses":39355779,"Management And General Expenses":5374360,"Fundraising Expenses":782307}},"Assets":{"value":193075984,"Non-interest bearing cash":0,"Savings and temp cash investments":67817060,"Pledges and grants receivable":1602110,"Accounts receivable":2461789,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":113137332,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":3291201,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":1406196,"Other assets":3360296},"Liabilities":{"value":117764845,"Sum of Total Liabilities":0,"Accounts payable, accrued":12928234,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":5298786,"Loans from officers, directors":0,"Secured mortgages and notes payable":10596215,"Unsecured notes loans payable":88941610,"Other liabilities":0},"Fund balance":{"value":75311139,"Net assets without donor restriction":70726242,"Net assets with donor restriction":4584897,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8647256401029292,"percentile":0.7158594008039764},"Fundraising Efficiency":{"score":33.85378502301526,"percentile":0.715109586529147},"Operating Margin":{"score":0.1795784157402013,"percentile":0.7347005989183315},"Liabilities to Assets Ratio":{"score":0.6099404108177431,"percentile":0.11017799758452919},"Operating Reserve Ratio":{"score":4.242267796373765,"percentile":0.7791180696079166},"Officer Compensation Ratio":{"score":0.11210412641851858,"percentile":0.5133865059019402},"Program Expense Growth":{"score":0.06987544960046335,"percentile":0.5989502151240659},"Revenue Growth":{"score":0.11002946198426432,"percentile":0.7853216721526178},"Asset Growth":{"score":0.016120852608274863,"percentile":0.38744856422809404},"Independent Voting Board Pct":{"score":0.9375,"percentile":0.26093132342715336},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6411734034822993,"percentile":0.7194152927885724}},"source_xml":"202430369349300688_public.xml"},{"Organization":{"value":null,"Person":["Frank Altman","Kim Latimer-Nelligan","Reza Aghamirzadeh","Salli Martyniak","Alton M Bathrick","Jim Baird","Michael Banner","Tony Brown","Karl Egge","Warren Hanson","Calvin L Holmes","James R Klein","David Scheck","James J Solem","Daniel Spiller","Gerald Thole","Jennifer Anderson","Keith Rachey","Daniel Komarek","Jennifer Novak","Dawn Johnson","Warren McLean","Michelle Page","Colleen Schwartz","Nicholas Elders","Robert Treadway","Brian Burke","Jennifer Ericson","Gary Holmquist","Eric Mau","Susan Malan","Brandon Dixon","Scott Young"],"Title":["President and CEO","Chair","Vice Chair","Secretary","Treasurer","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","Trustee","SVP and CFO","SVP and COO","SVP and CLO","VP of Capital Markets","VP and CPO","VP of Develop. (Term. 9/2015)","Director of Loan Operations","VP of Affordable Hsg Lending","VP of Tech. Sol. and services","SBLC COO","National Director of SBA","Reg Dir of Bus Development","Reg Dir of Bus Develop","Principal Architect","Reg Dir of Bus Development","Credit Manager","Former SVP/CFO (Term. 6/2015)"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,0.0],"Total Compensation":[425725,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,114085,261339,286311,238384,219087,189715,192815,227692,193590,198291,201123,198204,269882,186900,159072,156728,237442],"Direct compensation":[410146,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,103846,240178,259200,210000,201324,179421,172100,203767,164556,169542,185179,175357,238914,159942,132429,130085,230278],"Other compensation":[15579,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,10239,21161,27111,28384,17763,10294,20715,23925,29034,28749,15944,22847,30968,26958,26643,26643,7164]},"Basic":{"value":null,"mission":"To improve the lives of disadvantaged people and strengthen distressed communities through innovative finance.","year":2015,"name":"Community Reinvestment Fund Inc","phone":6123383050,"website":"www.CRFUSA.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Jennifer Anderson","year_formation":1988,"state_legal_domicile":"MN","total_volunteers":15,"tax_period_begin":"2015-07-01T00:00:00","tax_period_end":"2016-06-30T00:00:00","address":"801 Nicollet Mall 1700W, Minneapolis, MN, 554022903, USA","city":"Minneapolis","state":"MN","country":"USA","zip_code":554022903},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":16,"Number of independent voting members":15,"Number of employees total":84,"Total Gross UBI":23650,"Net unrelated business taxable income":-1485,"Number of employees":84,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":26158500,"Contributions":{"value":5296086,"Other contributions":3296086,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":2000000,"Related organizations":0},"Program revenue":{"value":20862414,"Total revenue":{"value":20862414,"LOAN SERVICING INTEREST INCOME":10511506,"LOAN SERVICING TRANSACTION FEES":7668874,"OTHER INCOME":2682034},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":25531623,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":9631772,"Current officers":1750478,"Disqualified persons":0,"Other salaries and wages":6191438,"Pension plan contributions":243281,"Other employee benefits":883860,"Payroll taxes":562715},"Other expenses":{"value":15899851,"Management services":0,"Legal":215429,"Accounting":538653,"Lobbying services":0,"Investment management fees":0,"Other services":2269720,"Advertising":0,"Office expenses":192622,"Information technology":0,"Royalties":0,"Occupancy":455892,"Travel":379565,"Conferences and meetings":70596,"Interest":9263886,"Payments to affiliates":0,"Depreciation and depletion":1024281,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1323111,"EMPLOYEE OVERHEAD":206075,"DUES/SUBSCRIPTIONS":140425,"PROVISION FOR LOAN LOSSES":443305,"REFERRAL FEES":533306},"All other expenses":166096},"Functional Expenses":{"value":null,"Program Service Expenses":21347329,"Management And General Expenses":3185367,"Fundraising Expenses":998927}},"Assets":{"value":180635909,"Non-interest bearing cash":50,"Savings and temp cash investments":26907119,"Pledges and grants receivable":2391964,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":144337718,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1020021,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":1406196,"Other assets":4572841},"Liabilities":{"value":175712661,"Sum of Total Liabilities":0,"Accounts payable, accrued":7996790,"Grants payable":130000,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":7222137,"Loans from officers, directors":0,"Secured mortgages and notes payable":147963570,"Unsecured notes loans payable":12400164,"Other liabilities":0},"Fund balance":{"value":4923248,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":3221083,"Temporarily restricted net assets":1702165,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8361132780317178,"percentile":0.6730720275833179},"Fundraising Efficiency":{"score":5.301774804365084,"percentile":0.21830612031332655},"Operating Margin":{"score":0.023964562188198864,"percentile":0.4625917040833525},"Liabilities to Assets Ratio":{"score":0.9727449097621005,"percentile":0.05517646538289473},"Operating Reserve Ratio":{"score":7.074987320625876,"percentile":0.8544067721596627},"Officer Compensation Ratio":{"score":0.15496018408230453,"percentile":0.40100471442169583},"Program Expense Growth":{"score":-0.05319959330493985,"percentile":0.19335630389348424},"Revenue Growth":{"score":-0.018515831304723604,"percentile":0.30114162096907177},"Asset Growth":{"score":-0.09270354572799194,"percentile":0.11052372318590165},"Independent Voting Board Pct":{"score":0.9375,"percentile":0.26093132342715336},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4422351110039477,"percentile":0.19616497376300976}},"source_xml":"201700409349300525_public.xml"},{"Organization":{"value":null,"Person":["KIMBERLY LATTIMER-NELLIGAN","REZA AGHAMIRZADEH","SALLI MARTYNIAK","EILEEN FITZGERALD","ALTON BATHRICK","MICHAEL BANNER","JANIE BARRERA","TONY BROWN","KARL EGGE","DON GRAVES","CALVIN HOLMES","LUTHER RAGIN JR","DANIEL SPILLER","GERALD THOLE","LAURA TRUDEAU","FRANK ALTMAN","JENNIFER ANDERSON","DANIEL KOMAREK","KEITH RACHEY","JENNIFER NOVAK","DAWN JOHNSON","MICHELLE PAGE","COLLEEN SCHWARZ","NICHOLAS ELDERS","ROBERT TREADWAY","ERIC CHAPIN","PETER BERNACIAK","GARY HOLMQUIST","ERIC MAU","HYEOK JAE KANG","JENNIFER ERICSON"],"Title":["CHAIR","VICE CHAIR","SECRETARY","TREASURER","PREVIOUS TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","CEO","PRESIDENT AND CFO","SVP AND CRO","SVP AND CHIEF IMPACT OFFICER","SVP CAPITAL MARKETS","VP AND CPO","VP LOAN SERVICING","VP OF AFFORDABLE HOUSING LENDING","VP TECHNOLOGY SOLUTIONS","SBLC COO","VP OF LEGAL AFFAIRS, COMPLIANCE & AUDIT","DIRECTOR OF STRUCTURED FINANCE","REGIONAL DIRECTOR OF BUSINESS DEVELOPMENT","PRINCIPAL ARCHITECT","CONTROLLER OF CAPITAL MARKETS","REGIONAL DIRECTOR OF BUSINESS DEVELOPMENT"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,617610,420965,337617,342960,321386,283637,249219,208509,236926,247513,230416,192819,229549,223678,191208,203741],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,596240,395596,311154,319092,290123,264662,228955,180123,208314,218085,202128,168661,199459,193650,163009,181589],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,21370,25369,26463,23868,31263,18975,20264,28386,28612,29428,28288,24158,30090,30028,28199,22152]},"Basic":{"value":null,"mission":"To empower people to improve their lives and strengthen their communities through innovative financial solutions.","year":2017,"name":"COMMUNITY REINVESTMENT FUND INC","phone":6123383050,"website":"WWW.CRFUSA.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"FRANK ALTMAN","year_formation":1988,"state_legal_domicile":"MN","total_volunteers":13,"tax_period_begin":"2017-07-01T00:00:00","tax_period_end":"2018-06-30T00:00:00","address":"801 NICOLLET MALL 1700W, MINNEAPOLIS, MN, 554022903, USA","city":"MINNEAPOLIS","state":"MN","country":"USA","zip_code":554022903},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":14,"Number of independent voting members":13,"Number of employees total":81,"Total Gross UBI":112000,"Net unrelated business taxable income":-4973,"Number of employees":81,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":21550757,"Contributions":{"value":5181063,"Other contributions":4494563,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":686500,"Related organizations":0},"Program revenue":{"value":16358622,"Total revenue":{"value":16358622,"LOAN SERVICING INTEREST INCOME":8793572,"LOAN SERVICING TRANSACTION FEES":5851773,"OTHER LENDING INCOME":1459877,"SPARK SOFTWARE SALES":253400},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":11072,"Other total":11072,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":22567110,"Grant expense":{"value":58020,"Grants to domestic orgs":50100,"Grants to domestic individuals":7920,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":9308386,"Current officers":3534022,"Disqualified persons":0,"Other salaries and wages":4045112,"Pension plan contributions":273000,"Other employee benefits":878224,"Payroll taxes":578028},"Other expenses":{"value":13200704,"Management services":116567,"Legal":369400,"Accounting":452328,"Lobbying services":81708,"Investment management fees":0,"Other services":2022176,"Advertising":417751,"Office expenses":0,"Information technology":185394,"Royalties":0,"Occupancy":560989,"Travel":313287,"Conferences and meetings":0,"Interest":7464475,"Payments to affiliates":0,"Depreciation and depletion":499723,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":613307,"REFERRAL FEES":289502,"PROVISION FOR LOAN LOSS":149721,"ALLOWANCE FOR BAD RECEI":110512,"COMMUNICATION":63572},"All other expenses":103599},"Functional Expenses":{"value":null,"Program Service Expenses":18023707,"Management And General Expenses":3490497,"Fundraising Expenses":1052906}},"Assets":{"value":150933655,"Non-interest bearing cash":0,"Savings and temp cash investments":28957244,"Pledges and grants receivable":928917,"Accounts receivable":577759,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":111171238,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1178967,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":1406196,"Other assets":6713334},"Liabilities":{"value":148288676,"Sum of Total Liabilities":0,"Accounts payable, accrued":9444148,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":12110042,"Loans from officers, directors":0,"Secured mortgages and notes payable":500000,"Unsecured notes loans payable":126234486,"Other liabilities":0},"Fund balance":{"value":2644979,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":270573,"Temporarily restricted net assets":2374406,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7986714736623343,"percentile":0.6231334536344083},"Fundraising Efficiency":{"score":4.920727016466807,"percentile":0.20092799806451056},"Operating Margin":{"score":-0.04716089555462019,"percentile":0.28966272299451423},"Liabilities to Assets Ratio":{"score":0.9824758831951694,"percentile":0.05412440821784466},"Operating Reserve Ratio":{"score":6.688213732285614,"percentile":0.8473802604107828},"Officer Compensation Ratio":{"score":0.20107816197997883,"percentile":0.3122370328983901},"Program Expense Growth":{"score":-0.05919337689061336,"percentile":0.1847179222639912},"Revenue Growth":{"score":-0.040676024888844316,"percentile":0.24028437916363252},"Asset Growth":{"score":-0.0936035200948352,"percentile":0.10971712393115786},"Independent Voting Board Pct":{"score":0.9285714285714286,"percentile":0.2554649107023994},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.39107559924579677,"percentile":0.10774914641538458}},"source_xml":"201940639349301309_public.xml"},{"Organization":{"value":null,"Person":["JENNIFER ANDERSON","KEITH RACHEY","MATTHEW ROTH","JENNIFER NOVAK","PAUL TREMEWAN","JENNIFER ERICSON","CHARITY VICKERS","PATRICK DAVIS","ERIC CHAPIN","FRANK ALTMAN","SANDRA DELANCY","TASHA PARKER","ERIK O'LEARY","KINFE ARGAW","ANNA BURGETT","SIMON MCNEIL","KATELYN BEDNARSKI","ALEXIS DISHMAN","JUDITH JANDRO","BRANDON DIXON","DANIEL SPILLER","STEVE KENT","LAURA TRUDEAU","REZA AGHAMIRZADEH","CHRYSTEL CORNELIUS","CALVIN HOLMES","BILL KRUGLER","TONY BROWN","KATHY ROCK","RUBEN ALONSO","JEANINE JACOKES","GAVIN BOROWIAK","LUTHER RAGIN JR","JIE WANG","DAVID ADAME","WILLIE LOGAN","JACQUELINE WOODS"],"Title":["CHIEF ADMIN OFFICER THRU 3/24","EVP CHIEF IMPACT OFFICER THRU 6/23","CEO & PRESIDENT AS OF 3/23","SVP CDFI LENDING PROGRAMS","SVP & CHIEF FINANCIAL OFFICER","VP OF LENDING","SVP & CHIEF PEOPLE OFFICER","SVP PLATFORM & TECH SERVICES","SVP GENERAL COUNSEL","CEO THRU 7/23","SENIOR DIRECTOR OF EDMA","VP BUSINESS OPERATIONS","PRINCIPAL ARCHITECT","SVP CHIEF CREDIT OFFICER","SENIOR ASSOCIATE GENERAL COUNSEL","SVP & COO THRU 6/23","SVP CHIEF OF STAFF","SVP CHIEF LEND. OFFICER AS OF 7/23","SVP SMALL BUS. LENDING THRU 2/23","SVP CHIEF CREDIT OFFICER THRU 2/23","CHAIR","TREASURER","SECRETARY","TRUSTEE","TRUSTEE","TRUSTEE AS OF 10/23","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE AS OF 6/24","TRUSTEE THRU 10/23","TRUSTEE THRU 1/24","TRUSTEE THRU 6/24"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[496624,450450,307583,296856,246428,255895,255282,235758,258805,226807,229769,226737,228183,225736,223472,196261,216614,98771,71089,47429,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[453974,415450,298558,247434,220408,218805,215000,212501,211195,210007,185906,183138,182031,179701,177545,177131,170934,85896,62652,39235,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[42650,35000,9025,49422,26020,37090,40282,23257,47610,16800,43863,43599,46152,46035,45927,19130,45680,12875,8437,8194,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To improve lives and strengthen communities through innovative financial solutions.","year":2023,"name":"COMMUNITY REINVESTMENT FUND INC","phone":6123383050,"website":"WWW.CRFUSA.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MATTHEW ROTH","year_formation":1988,"state_legal_domicile":"MN","total_volunteers":15,"tax_period_begin":"2023-07-01T00:00:00","tax_period_end":"2024-06-30T00:00:00","address":"801 NICOLLET MALL 1700W, MINNEAPOLIS, MN, 55402, USA","city":"MINNEAPOLIS","state":"MN","country":"USA","zip_code":55402},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":15,"Number of independent voting members":14,"Number of employees total":121,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":121,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":35726052,"Contributions":{"value":15015132,"Other contributions":6983406,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":8031726,"Related organizations":0},"Program revenue":{"value":20376923,"Total revenue":{"value":20376923,"LENDING INTEREST INCOME":10674935,"LENDING TRANSACTION FEES":9068703,"OTHER LENDING INCOME":633285},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":333997,"Other total":333997,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":32849855,"Grant expense":{"value":316667,"Grants to domestic orgs":316667,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":14889019,"Current officers":2688346,"Disqualified persons":0,"Other salaries and wages":8441589,"Pension plan contributions":0,"Other employee benefits":2836177,"Payroll taxes":922907},"Other expenses":{"value":17644169,"Management services":1980372,"Legal":462588,"Accounting":409528,"Lobbying services":83333,"Investment management fees":14500,"Other services":1769276,"Advertising":15320,"Office expenses":29275,"Information technology":585688,"Royalties":0,"Occupancy":314413,"Travel":231803,"Conferences and meetings":0,"Interest":4097089,"Payments to affiliates":0,"Depreciation and depletion":1084919,"Insurance":376509,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5798221,"PROVISION FOR LOAN LOSS":5341414,"COMMUNICATION":354481,"DUES & SUBSCRIPTIONS":102326},"All other expenses":391335},"Functional Expenses":{"value":null,"Program Service Expenses":26512945,"Management And General Expenses":5734605,"Fundraising Expenses":602305}},"Assets":{"value":189995061,"Non-interest bearing cash":0,"Savings and temp cash investments":49355785,"Pledges and grants receivable":1204344,"Accounts receivable":3634291,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":128858629,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2244559,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":1406196,"Other assets":3291257},"Liabilities":{"value":111823415,"Sum of Total Liabilities":0,"Accounts payable, accrued":15616381,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":4779847,"Loans from officers, directors":0,"Secured mortgages and notes payable":10420153,"Unsecured notes loans payable":81007034,"Other liabilities":0},"Fund balance":{"value":78171646,"Net assets without donor restriction":75977966,"Net assets with donor restriction":2193680,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8070947345125268,"percentile":0.6344285967470374},"Fundraising Efficiency":{"score":24.929449365354763,"percentile":0.6510790641678116},"Operating Margin":{"score":0.08050699248828277,"percentile":0.5879648943817193},"Liabilities to Assets Ratio":{"score":0.5885595889253142,"percentile":0.11458061920610652},"Operating Reserve Ratio":{"score":5.7837412372139845,"percentile":0.8278065072988298},"Officer Compensation Ratio":{"score":0.14595342962701052,"percentile":0.42166162730330486},"Program Expense Growth":{"score":0.05436434282408507,"percentile":0.5474232669894884},"Revenue Growth":{"score":0.08192079724298525,"percentile":0.7180459095298208},"Asset Growth":{"score":0.010628603176940851,"percentile":0.3642831569907932},"Independent Voting Board Pct":{"score":0.9333333333333333,"percentile":0.25846041760016036},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5786046139940958,"percentile":0.542301059738824}},"source_xml":"202500369349301500_public.xml"},{"Organization":{"value":null,"Person":["REZA AGHAMIRZADEH","LUTHER RAGIN JR","LAURA TRUDEAU","STEVEN KENT","DAVID ADAME","GAVIN BOROWIAK","TONY BROWN","DONET GRAVES","CALVIN HOLMES","WILLIAM KRUGLER","WILLIE F LOGAN","ANDREW POSNER","DANIEL SPILLER","CHRYSTEL CORNELIUS","GARY CUNNIGHAM","STEFANIE STEWARD-YOUNG","JACQUELINE WOODS","KATHRYN ROCK","FRANK ALTMAN","JENNIFER ANDERSON","KEITH RACHEY","JENNIFER NOVAK","BRANDON DIXON","JUDITH JANDRO","MICHELLE PAGE","NICHOLAS ELDERS","DEBRA MOUNSEY","ERIC CHAPIN","GARY HOLMQUIST","PATRICK DAVIS","JENNIFER ERICSON","ERIK SWENSON","ERIK MAU","DANIEL KOMAREK"],"Title":["CHAIR","VICE CHAIR","SECRETARY","TREASURER","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE (LEFT 9/2021)","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","CEO","PRESIDENT AND CFO","SVP CHEIF IMPACT OFFICER","SVP CAPITAL MARKETS","CHIEF CREDIT OFFICER","SVP SMALL BUSINESS LENDING","VP OF LOAN SERVICING","SVP OF TECHNOLOGY PLATFORMS","VP OF HUMAN RESOURCES","GENERAL COUNSEL","REGIONAL DIRECTOR OF BUSINESS DEVELOPMENT","VP OF PROGRAM STRATEGY","REGIONAL DIRECTOR OF BUSINESS DEVELOPMENT","VP OF TECHNOLOGY SOLUTIONS","PRINCIPAL ARCHITECT","CHEIF RISK OFFICER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,30.0,40.0,40.0,40.0,40.0,40.0,30.0,30.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,802607,584850,491822,349360,210584,319001,305136,381609,259629,303950,348195,356763,253881,295802,306916,191651],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,784904,449911,360939,317196,182286,289580,284613,258324,244266,273531,316832,292633,222246,196219,202351,179076],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,17703,134939,130883,32164,28298,29421,20523,123285,15363,30419,31363,64130,31635,99583,104565,12575]},"Basic":{"value":null,"mission":"Empower people to improve their lives and strengthen their communities through financial solutions.","year":2020,"name":"COMMUNITY REINVESTMENT FUND INC","phone":6123383050,"website":"WWW.CRFUSA.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"FRANK ALTMAN","year_formation":1988,"state_legal_domicile":"MN","total_volunteers":17,"tax_period_begin":"2020-07-01T00:00:00","tax_period_end":"2021-06-30T00:00:00","address":"801 NICOLLET MALL 1700W, MINNEAPOLIS, MN, 554022903, USA","city":"MINNEAPOLIS","state":"MN","country":"USA","zip_code":554022903},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":17,"Number of independent voting members":17,"Number of employees total":93,"Total Gross UBI":367477,"Net unrelated business taxable income":0,"Number of employees":93,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":69198385,"Contributions":{"value":28863301,"Other contributions":23304259,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":5559042,"Related organizations":0},"Program revenue":{"value":40064749,"Total revenue":{"value":40064749,"LENDING TRANSACTION FEES":17252724,"TECHNOLOGY FEES":13786399,"LENDING INTEREST INCOME":7102497,"OTHER LENDING INCOME":1923129},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":270335,"Other total":270725,"Royalties revenue":0,"Net rental income":-390,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":46700294,"Grant expense":{"value":3420500,"Grants to domestic orgs":3420500,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":15130825,"Current officers":3659418,"Disqualified persons":0,"Other salaries and wages":8826663,"Pension plan contributions":218827,"Other employee benefits":1695270,"Payroll taxes":730647},"Other expenses":{"value":28148969,"Management services":72987,"Legal":781891,"Accounting":328141,"Lobbying services":87000,"Investment management fees":0,"Other services":9665000,"Advertising":418064,"Office expenses":33573,"Information technology":520284,"Royalties":0,"Occupancy":310451,"Travel":40233,"Conferences and meetings":0,"Interest":4489391,"Payments to affiliates":0,"Depreciation and depletion":384615,"Insurance":276241,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":7157145,"PROVISION FOR LOAN LOSS":6406318,"COMMUNICATION":436361,"ALLOWANCE FOR BAD RECEI":314466},"All other expenses":3583953},"Functional Expenses":{"value":null,"Program Service Expenses":40204297,"Management And General Expenses":5153398,"Fundraising Expenses":1342599}},"Assets":{"value":307729256,"Non-interest bearing cash":0,"Savings and temp cash investments":74540310,"Pledges and grants receivable":177443,"Accounts receivable":1403123,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":220101537,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":2201252,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":1406196,"Other assets":7899395},"Liabilities":{"value":262792757,"Sum of Total Liabilities":0,"Accounts payable, accrued":20769376,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":10048056,"Loans from officers, directors":0,"Secured mortgages and notes payable":146696177,"Unsecured notes loans payable":85279148,"Other liabilities":0},"Fund balance":{"value":44936499,"Net assets without donor restriction":43357200,"Net assets with donor restriction":1579299,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8609002975441653,"percentile":0.710056350849492},"Fundraising Efficiency":{"score":21.498080216058554,"percentile":0.6160261598295694},"Operating Margin":{"score":0.3251245097699896,"percentile":0.8498528230601594},"Liabilities to Assets Ratio":{"score":0.8539739133545365,"percentile":0.07165459750619846},"Operating Reserve Ratio":{"score":6.589450079265026,"percentile":0.8454531179552243},"Officer Compensation Ratio":{"score":0.12337729608297542,"percentile":0.4803069233575591},"Program Expense Growth":{"score":0.06636111918748643,"percentile":0.5880590505063834},"Revenue Growth":{"score":0.1519719820694556,"percentile":0.8507712107811888},"Asset Growth":{"score":0.049277576575739356,"percentile":0.5239811182319748},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7090657638839737,"percentile":0.8633246693303293}},"source_xml":"202210889349300256_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["MATTHEW ROTH","JENNIFER NOVAK","ALEXIS DISHMAN","PATRICK DAVIS","KINFE ARGAW","CHARITY VICKERS","PAUL TREMEWAN","KATELYN BEDNARSKI","ANNA BURGETT","SANDRA DELANCY","ERIK O'LEARY","PETER BERNACIAK","ANISHA MURPHY","CYRUS KHARAS","ERIC CHAPIN","JENNIFER ANDERSON","DANIEL SPILLER","STEVE KENT","JEANINE JACOKES","LAURA TRUDEAU","REZA AGHAMIRZADEH","RUBEN ALONSO","GAVIN BOROWIAK","TONY BROWN","CHRYSTEL CORNELIUS","JA'NET DEFELL","RENAY DOSSMAN","LUTHER RAGIN JR","SARA RAZAVI","KATHY ROCK","GEORGE SURGEON","JIE WANG","CALVIN HOLMES","BILL KRUGLER"],"Title":["CEO & PRESIDENT","SVP CDFI FUND PROGRAMS","SVP CHIEF LENDING OFFICER","SVP PLATFORM AND TECHNOLOGY SERVICES","SVP CHIEF CREDIT OFFICER","SVP CHIEF PEOPLE OFFICER","SVP CHIEF FINANCIAL OFFICER","SVP CHIEF OF STAFF","CHIEF LEGAL COUNSEL","SENIOR DIRECTOR OF EDMA","PRINCIPAL ARCHITECT","VP, STRUCTURED FINANCE","VP, PROGRAM DESIGN/EXECUTION","VP, PROGRAM DESIGN/EXECUTION","GENERAL COUNSEL THRU 8/24","CHIEF ADMIN OFFICER THRU 3/24","CHAIR","TREASURER","SECRETARY AS OF 1/25","SECRETARY THRU 1/25","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE","TRUSTEE AS OF 1/25","TRUSTEE AS OF 1/25","TRUSTEE","TRUSTEE AS OF 3/25","TRUSTEE","TRUSTEE AS OF 3/25","TRUSTEE","TRUSTEE THRU 1/25","TRUSTEE THRU 3/25"],"Hours":[40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[565843,313846,276358,275873,275406,274862,273748,253314,251993,241735,233718,219938,208797,207962,188663,98355,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[532348,269696,245584,252907,233087,241201,250883,212047,210789,201019,212759,188892,189025,198059,160210,90243,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[33495,44150,30774,22966,42319,33661,22865,41267,41204,40716,20959,31046,19772,9903,28453,8112,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"To expand economic opportunity for small businesses and communities by reimagining the way capital and resources flow.","year":2024,"name":"COMMUNITY REINVESTMENT FUND INC","phone":6123383050,"website":"WWW.CRFUSA.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"MATTHEW ROTH","year_formation":1988,"state_legal_domicile":"MN","total_volunteers":18,"tax_period_begin":"2024-07-01T00:00:00","tax_period_end":"2025-06-30T00:00:00","address":"801 NICOLLET MALL 1700W, MINNEAPOLIS, MN, 55402, USA","city":"MINNEAPOLIS","state":"MN","country":"USA","zip_code":55402},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":16,"Number of independent voting members":15,"Number of employees total":106,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":106,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":46782310,"Contributions":{"value":28677919,"Other contributions":28677919,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":18075081,"Total revenue":{"value":18075081,"LENDING INTEREST INCOME":11072318,"LENDING TRANSACTION FEES":6598599,"OTHER LENDING INCOME":404164},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":29310,"Other total":29310,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":31421112,"Grant expense":{"value":350000,"Grants to domestic orgs":350000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":15310779,"Current officers":3043491,"Disqualified persons":0,"Other salaries and wages":8925407,"Pension plan contributions":351591,"Other employee benefits":2124775,"Payroll taxes":865515},"Other expenses":{"value":15760333,"Management services":692462,"Legal":432110,"Accounting":331345,"Lobbying services":100000,"Investment management fees":24875,"Other services":1989247,"Advertising":23294,"Office expenses":29149,"Information technology":648326,"Royalties":0,"Occupancy":418068,"Travel":360638,"Conferences and meetings":0,"Interest":3589523,"Payments to affiliates":0,"Depreciation and depletion":880751,"Insurance":362739,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5558675,"PROVISION FOR LOAN LOSS":5132162,"COMMUNICATION":345126,"DUES & SUBSCRIPTIONS":81387},"All other expenses":319131},"Functional Expenses":{"value":null,"Program Service Expenses":25138961,"Management And General Expenses":5724503,"Fundraising Expenses":557648}},"Assets":{"value":199070542,"Non-interest bearing cash":0,"Savings and temp cash investments":48881923,"Pledges and grants receivable":1129344,"Accounts receivable":4983200,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":137797272,"Inventories for sale or use":0,"Prepaid expenses deferred charges":0,"Land, building, equipment":1363808,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":1406196,"Other assets":3508799},"Liabilities":{"value":105461967,"Sum of Total Liabilities":0,"Accounts payable, accrued":17004893,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":4608301,"Loans from officers, directors":0,"Secured mortgages and notes payable":12591699,"Unsecured notes loans payable":71257074,"Other liabilities":0},"Fund balance":{"value":93608575,"Net assets without donor restriction":91253994,"Net assets with donor restriction":2354581,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8000659238285392,"percentile":0.6255963361877985},"Fundraising Efficiency":{"score":51.42656119989671,"percentile":0.7868369436547916},"Operating Margin":{"score":0.3283548418194826,"percentile":0.8515684437477976},"Liabilities to Assets Ratio":{"score":0.5297718383667233,"percentile":0.1279423187536564},"Operating Reserve Ratio":{"score":6.335566417891258,"percentile":0.8403521319316551},"Officer Compensation Ratio":{"score":0.13240814010656274,"percentile":0.4554923525564981},"Program Expense Growth":{"score":0.04145639528471268,"percentile":0.49772408078484937},"Revenue Growth":{"score":0.07243910050417061,"percentile":0.6894618504523286},"Asset Growth":{"score":0.008793477797755083,"percentile":0.35663826700874474},"Independent Voting Board Pct":{"score":0.9375,"percentile":0.26093132342715336},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6250338472416982,"percentile":0.6766209708336341}},"source_xml":"202620369349301422_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}