New Hampshire Community Loan Fund
New Hampshire Community Loan Fund reported $75.1 million in revenue and $57.9 million in expenses for the fiscal year ending June 30, 2025. Of every $100 it spent, $97.34 went to program services, $1.84 to management and general costs and $0.82 to fundraising. Its largest source of revenue was contributions and grants: 77.1% of the total. Government grants made up 57.2%. The highest compensation it reported for one person was $293,217 (PRESIDENT & CEO). 13 people received more than $100,000 in reportable compensation. Revenue rose 474% between FY2020 and FY2025. Source: Form 990, FY2025.
Where $100 of spending went
The fiscal year ending June 30, 2025 · Form 990, Part IX, line 25 · total expenses $58MFor context, the median across 2,433 covered unclassified charities: $88.27 programs, $11.68 management, $0.05 fundraising (medians computed separately, so they may not sum to $100).
Where $100 of revenue came from
The fiscal year ending June 30, 2025 · Form 990, Part VIII · total revenue $75M- Contributions & grants (non-government)$19.47 $15M
- Government grants$56.18 $43M
- Program service revenue$22.90 $18M
- Investment income$1.45 $1.1M
Other revenue was negative: −$1.4M. The bar shows the positive sources only.
The 990 scorecard · same measures for every charity, no grades
| Measure | FY2025 | Median |
|---|---|---|
| Program services Part IX 25(B) ÷ 25(A) | 97.3% | 86.7% |
| Management & general Part IX 25(C) ÷ 25(A) | 1.8% | 11.5% |
| Fundraising Part IX 25(D) ÷ 25(A) | 0.8% | 0.0% |
| Fundraising cost per $1 of contributions Part IX 25(D) ÷ Part VIII 1h | $0.01 | $0.01 |
| Contributions & grants share of revenue Part VIII 1h ÷ 12 | 77.1% | 29.9% |
| Government grants share of revenue Part VIII 1e ÷ 12 | 57.2% | 3.8% |
| Program service revenue share Part VIII 2g ÷ 12 | 23.3% | 58.9% |
| Highest reported compensation Part VII-A, columns D–F | $293,217 | $301,601 |
| Highest compensation as share of expenses Part VII-A ÷ Part IX 25(A) | 0.51% | 1.38% |
| People paid over $100,000 Part VII, line 2 | 13 | 6 |
| Net assets, in months of expenses Part X 33(B) ÷ monthly expenses | 15.3 | 6.8 |
| Independent voting board members Part VI 1a–1b | 15 of 16 | 100.0% |
A median is context, not a target: hospitals, universities, food banks and grantmakers spend in very different ways. What these measures can and can't tell you.
What the money paid for, in its own words
FY2025 · Form 990, Part III · the three largest programs by expenseHighest reported compensation
FY2025 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here| Role | From this org | From related orgs | Other | Total |
|---|---|---|---|---|
| PRESIDENT & CEO Director/trustee, officer, 40.00 hrs/week | $256,191 | $0 | $37,026 | $293,217 |
| CHIEF FINANCIAL OFFICER Officer, 40.00 hrs/week | $203,794 | $0 | $32,683 | $236,477 |
| COO & VP OF ROC-NH Key employee, 40.00 hrs/week | $182,145 | $0 | $44,953 | $227,098 |
| DIR. SUSTAINABLE FOOD SYSTEMS PROGRAM Highest compensated employee, 40.00 hrs/week | $170,105 | $0 | $32,780 | $202,885 |
| EXECUTIVE VP OF LENDING AND CREDIT Highest compensated employee, 40.00 hrs/week | $154,677 | $0 | $10,211 | $164,888 |
| VP OF RESIDENTIAL LENDING & COMPLIANCE Highest compensated employee, 40.00 hrs/week | $117,515 | $0 | $38,503 | $156,018 |
| VP OF EXTERNAL RELATIONS Highest compensated employee, 40.00 hrs/week | $128,551 | $0 | $23,251 | $151,802 |
| VP OF ORGANIZATIONAL STRATEGY & COMM. Highest compensated employee, 40.00 hrs/week | $111,863 | $0 | $18,435 | $130,298 |
13 people received more than $100,000 in reportable compensation from New Hampshire Community Loan Fund (Part VII, line 2). Compensation of current officers, directors and key employees totaled $761K (Part IX, line 5).
6 years of filings
Form 990, Parts I, VII, IX and X · each row is that year's own filing, linkedGovernance answers, as filed
FY2025 · the organization's own yes/no answers; explanations, if any, are in Schedule O of the filing · what each means- Voting board members, and how many are independent Part VI, lines 1a–1b16 · 15 independent
- Audited financial statements Part XII 2bYes
- Conflict-of-interest policy Part VI 12aYes
- Whistleblower policy Part VI 13Yes
- Document retention policy Part VI 14Yes
- Independent process for top executive pay Part VI 15aYes
- Board given the 990 before filing Part VI 11aYes
- Family or business ties among insiders Part VI 2No
- Aware of a significant diversion of assets Part VI 5No
- Excess benefit transaction with an insider Part IV 25aNo
- Loans to or from insiders outstanding Part IV 26No
- Lobbying, or a 501(h) election in effect Part IV 4Yes
- Over $15,000 of professional fundraising services Part IV 18No
- Over $10,000 of activity outside the U.S. Part IV 14bNo
- Employees Part I, line 587
- Volunteers Part I, line 617
Largest outside contractors
FY2025 · Form 990, Part VII, Section B · businesses only| DESIGN BY COSMIC INC Rebranding and website design work | $288,475 |
| BLUE SPRUCE TECHNOLOGY INC Technical consulting | $166,555 |
| COLUMINATE Consulting for roc-nh | $110,899 |
Individuals listed as contractors are left out. 3 contractors were paid more than $100,000 in all.
Private foundation grants it received
8 private foundations reported grants to New Hampshire Community Loan Fund totaling $86,555 on their tax year 2023 Form 990-PF returns. See which foundations, on WHOFUNDS.
Source: WHOFUNDS open grant graph, matched from Form 990-PF Part XV.
Correct a figure or respond
Every number above is copied from New Hampshire Community Loan Fund's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for New Hampshire Community Loan Fund, you can publish a response that is linked from this page.
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Of every $100 New Hampshire Community Loan Fund spent in FY2025, $97.34 went to programs. The full breakdown, from its IRS Form 990:
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All unclassified charities · Largest charities in New Hampshire
Questions people ask
How much of New Hampshire Community Loan Fund's spending goes to programs?
In the fiscal year ending June 30, 2025, New Hampshire Community Loan Fund reported that 97.3% of its $57.9 million in expenses went to program services, 1.8% to management and general and 0.8% to fundraising (Form 990, Part IX).
How much does New Hampshire Community Loan Fund pay its top executive?
The largest total compensation New Hampshire Community Loan Fund reported for one person in the fiscal year ending June 30, 2025 was $293,217, for the role of PRESIDENT & CEO (Form 990, Part VII, including compensation from related organizations and other compensation).
Where does New Hampshire Community Loan Fund get its money?
Of $75.1 million in revenue in the fiscal year ending June 30, 2025, 77.1% came from contributions and grants (including 57.2% from government grants) and 23.3% from program service revenue (Form 990, Part VIII).
Is New Hampshire Community Loan Fund a registered charity?
The IRS lists EIN 22-2524015 as a 501(c)(3) organization (publicly supported organization (170(b)(1)(a)(vi))), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2019, 2020, 2021, 2022, 2023, 2024. A filing shows what the organization reported; it doesn't by itself show whether a program works.
Sources
- FY2025: Form 990 for the fiscal year ending June 30, 2025, object 202503119349300935 · read the filing · XML
- FY2024: Form 990 for the fiscal year ending June 30, 2024, object 202433389349300333 · read the filing
- FY2023: Form 990 for the fiscal year ending June 30, 2023, object 202343119349301959 · read the filing
- FY2022: Form 990 for the fiscal year ending June 30, 2022, object 202203119349301180 · read the filing
- FY2021: Form 990 for the fiscal year ending June 30, 2021, object 202133149349306778 · read the filing
- FY2020: Form 990 for the fiscal year ending June 30, 2020, object 202023099349302227 · read the filing
All filings for EIN 22-2524015: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.