Partner Community Capital Inc

Nonprofit profile at a glance

EIN
542058754
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Charles Town, WV, USA
Phone
6812524306
Rating
85
Verdict
STRONG
Rating confidence
Moderate
Sector
Human Service Organizations

Official website

Reported finances

Revenue
$12,474,402
Expenses
$11,326,216
Assets
$122,217,445
Liabilities
$76,915,466

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

21 people listed

Executive titles in this filing

  • MARTEN R JENKINS JR (PRESIDENT AND CEO)
  • ROSALIND BLACK (EXECUTIVE VICE PRESIDENT, CFO)
  • ANNA TEFFT (EXECUTIVE VICE PRESIDENT)
  • ERIKA MCGILLEY (EXECUTIVE VICE PRESIDENT)
  • JESSIE MAXWELL (EXECUTIVE VICE PRESIDENT)
  • KEVIN O'CONNOR (SENIOR VICE PRESIDENT)

Highest reported compensation

  • MARTEN R JENKINS JR (PRESIDENT AND CEO): $352,165 total reported compensation
  • ERIKA MCGILLEY (EXECUTIVE VICE PRESIDENT): $230,040 total reported compensation
  • ANNA TEFFT (EXECUTIVE VICE PRESIDENT): $226,605 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Pcap catalyzes environmentally sustainable economic development by providing flexible capital and advisory services to businesses and organizations that create employment and benefit underserved communities and individuals.

What it reported doing in 2025

Lending program: pcap is a specialized, niche lender for start-up and early stage small businesses in underserved markets. The primary goal of its loan programs is to create or retain full-time private sector jobs. Pcap provides microloans in amounts from $1,000 to $50,000 and business loans sized from $50,000 to $2,000,000. Pcap is approved as a united states department of agriculture (usda) business & industry (b & i) guaranteed lender, giving it the ability to participate in transactions up to $2.5 million. Pcap's business clients are predominately located in economically distressed rural communities and are unable to access capital from traditional sources. Examples are: recreation-based tourism, value-added agriculture, secondary forest products and critical community services.

Operating model

Revenue model
Earned-program. 61% of the money available for current operations came from fees and other program revenue.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and reported officer compensation is a large share of total spending, which may reflect staffing concentration.

Rating breakdown

  • Financial Efficiency: 87
  • Transparency & Controls: 74
  • Accountability: 100
  • Sustainability: 55
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 84%; rating input score 84
  • Program expense ratio: 92.5%; rating input score 92
  • Fundraising efficiency: $92.21 raised per $1 spent on fundraising; rating input score 84; 84th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: 2 of 6 controls in place; rating input score 33
    • Compensation committee: Missing
    • Independent consultant: Pass
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Missing
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 9 of 9 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 9.2%; rating input score 56; 56th percentile among comparable filings
  • Total-asset coverage ratio: 10.79; rating input score 86; 86th percentile among comparable filings
  • Liabilities to assets ratio: 0.63; rating input score 18; 18th percentile among comparable filings
  • Officer compensation ratio: 16.9%; rating input score 9; 9th percentile among comparable filings

Growth

  • Program expense growth: 15.7% per year; rating input score 100; 82nd percentile among comparable filings
  • Revenue growth: 14.3% per year; rating input score 100; 85th percentile among comparable filings
  • Asset growth: 15.3% per year; rating input score 100; 83rd percentile among comparable filings

Details

  • Where the money goes: 84% of revenue deployed · 92.5% of spending went to programs
  • Governance: 9 of 9 board members independent · 9 of 9 filing controls reported
  • Programs: 2 filed program accomplishments · $10.5M in reported program spending
  • Leadership: top reported pay $352K · 21 people listed · 2 of 6 pay-setting controls reported
  • Highest-paid contractors: 3 contractors listed · $351K reported
  • Consistency: 33 of 33 current checks pass
  • Schedules: 7 filed schedules · includes major donors and executive pay
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 11 filed money-flow records
  • Related organizations: 1 filed related-organization link
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Sustainability: Operating margin scored 56/100.
  • High — Sustainability: Officer compensation ratio scored 9/100.
  • High — Sustainability: Liabilities to assets ratio scored 18/100.