Rising Tide Community Loan Fund
EIN: 233079170 · Bethlehem, PA · NTEE: S31
| Metric | Value |
|---|---|
| Total Revenue | $653K |
| Total Expenses | $812K |
| Net Assets | $2.5M |
Is Rising Tide Community Loan Fund Legit?
Insufficient Data
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
About Rising Tide Community Loan Fund
Rising Tide Community Loan Fund (EIN: 233079170) is a nonprofit organization based in Bethlehem, PA, classified under NTEE code S31. The organization reported total revenue of $653K and total assets of $6.2M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Rising Tide Community Loan Fund's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Rising Tide Community Loan Fund is a small nonprofit that has been operating for 24 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 5.1%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $956K |
| Total Expenses | $812K |
| Surplus / Deficit | +$143K |
| Total Assets | $6.8M |
| Total Liabilities | $4.3M |
| Net Assets | $2.5M |
| Operating Margin | 15.0% |
| Debt-to-Asset Ratio | 63.3% |
| Months of Reserves | 100.5 months |
Financial Health Grade: A
In 2023, Rising Tide Community Loan Fund reported a surplus of $143K with revenue exceeding expenses, holds 100.5 months of operating reserves (strong position), has a debt-to-asset ratio of 63.3% (high leverage).
Financial Trends
Over 13 years of filings (2011–2023), Rising Tide Community Loan Fund's revenue has grown at a compound annual growth rate (CAGR) of 5.1%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | -89.2% | -90.1% | +14.4% |
| 2022 | +490.7% | +911.3% | -54.0% |
| 2021 | +130.4% | +103.2% | +185.3% |
| 2020 | +75.1% | +12.9% | +6.0% |
| 2019 | -15.8% | -6.8% | +11.1% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2002 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Analysis Pending
AI enrichment for Rising Tide Community Loan Fund has not yet been completed. Basic IRS 990 data is shown below. Check back later for a full transparency report including a Mission Score, spending breakdown, executive compensation analysis, and red flags assessment.
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Rising Tide Community Loan Fund with a Mission Score of 0 out of 100 (Very Poor). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $143K, with revenue exceeding expenses.
- Debt-to-asset ratio: 63.3%.
Frequently Asked Questions about Rising Tide Community Loan Fund
Is Rising Tide Community Loan Fund a legitimate charity?
Rising Tide Community Loan Fund (EIN: 233079170) is a registered tax-exempt nonprofit based in Pennsylvania. It has 13 years of IRS 990 filings on record. Total revenue: $653K. No red flags identified. Financial health grade: A.
How does Rising Tide Community Loan Fund spend its money?
Rising Tide Community Loan Fund reported $653K in total revenue in IRS 990 filings. 13 years of filing data available. Revenue exceeded expenses in the most recent year. Review the full spending breakdown on NonprofitSpending.
Are donations to Rising Tide Community Loan Fund tax-deductible?
Rising Tide Community Loan Fund is registered as a tax-exempt nonprofit (EIN: 233079170). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Rising Tide Community Loan Fund located?
Rising Tide Community Loan Fund is headquartered in Bethlehem, Pennsylvania and files with the IRS under EIN 233079170. It is classified under NTEE code S31.
How many years of IRS 990 filings does Rising Tide Community Loan Fund have?
Rising Tide Community Loan Fund has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $653K in total revenue.
Filing History
IRS 990 filing history for Rising Tide Community Loan Fund showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Rising Tide Community Loan Fund's revenue has grown by 82.6%, moving from $523K to $956K. Total assets increased by 306.7% over the same period, from $1.7M to $6.8M. Total functional expenses rose by 286.3%, from $210K to $812K. In its most recent filing year (2023), Rising Tide Community Loan Fund reported a surplus of $143K, with revenue exceeding expenses. The organization holds $4.3M in liabilities against $6.8M in assets (debt-to-asset ratio: 63.3%), resulting in net assets of $2.5M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $956K | $812K | $6.8M | $4.3M | — | View 990 |
| 2022 | $8.8M | $8.2M | $5.9M | $3.6M | — | View 990 |
| 2021 | $1.5M | $807K | $12.9M | $10.3M | — | View 990 |
| 2020 | $647K | $397K | $4.5M | $2.6M | — | View 990 |
| 2019 | $370K | $352K | $4.3M | $2.6M | — | View 990 |
| 2018 | $439K | $378K | $3.8M | $2.2M | — | View 990 |
| 2017 | $269K | $218K | $3.2M | $1.5M | — | View 990 |
| 2016 | $488K | $220K | $2.9M | $1.3M | — | View 990 |
| 2015 | $346K | $255K | $2.6M | $1.3M | — | View 990 |
| 2014 | $425K | $207K | $2.7M | $1.5M | — | View 990 |
| 2013 | $356K | $194K | $2.2M | $1.2M | — | View 990 |
| 2012 | $247K | $248K | $1.9M | $1.1M | — | View 990 |
| 2011 | $523K | $210K | $1.7M | $847K | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $956K, expenses of $812K, and assets of $6.8M (revenue -89.2% year-over-year).
- 2022: Revenue of $8.8M, expenses of $8.2M, and assets of $5.9M (revenue +490.7% year-over-year).
- 2021: Revenue of $1.5M, expenses of $807K, and assets of $12.9M (revenue +130.4% year-over-year).
- 2020: Revenue of $647K, expenses of $397K, and assets of $4.5M (revenue +75.1% year-over-year).
- 2019: Revenue of $370K, expenses of $352K, and assets of $4.3M (revenue -15.8% year-over-year).
- 2018: Revenue of $439K, expenses of $378K, and assets of $3.8M (revenue +63.2% year-over-year).
- 2017: Revenue of $269K, expenses of $218K, and assets of $3.2M (revenue -44.9% year-over-year).
- 2016: Revenue of $488K, expenses of $220K, and assets of $2.9M (revenue +41.1% year-over-year).
- 2015: Revenue of $346K, expenses of $255K, and assets of $2.6M (revenue -18.6% year-over-year).
- 2014: Revenue of $425K, expenses of $207K, and assets of $2.7M (revenue +19.4% year-over-year).
- 2013: Revenue of $356K, expenses of $194K, and assets of $2.2M (revenue +44.3% year-over-year).
- 2012: Revenue of $247K, expenses of $248K, and assets of $1.9M (revenue -52.8% year-over-year).
- 2011: Revenue of $523K, expenses of $210K, and assets of $1.7M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Rising Tide Community Loan Fund:
Data Sources and Methodology
This transparency report for Rising Tide Community Loan Fund is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.