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Neighborhood Community Development Fund

EIN 25-1855490 · Pittsburgh, PA

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthGood85 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

NEIGHBORHOOD COMMUNITY DEVELOPMENT FUND IS DEDICATED TO SUPPORTING FINANCIAL SUCCESS OF SMALL BUSINESSES AND COMMUNITY DEVELOPMENT PROJECTS IN THE LOW AND MODERATE INCOME NEIGHBORHOODS OF (CONTINUED ON SCHEDULE O)

Income
$5.3 million
Spending
$3.2 million
Spent on programs
80%
Reserves
36 months of spending
Largest source of income
donations and private grants, 46%
Employees
13
Volunteers
23
Highest pay
$219,500, executive di

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Good: 85 out of 100. Higher than 67% of charities in its peer group (community improvement, $1m to $10m).

  • Reserves

    35 of 35

    Spendable reserves would cover 36.0 months of spending.

  • Debt

    5 of 20

    It owes 61% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 41% of income.

  • Income trend

    15 of 15

    Income rose 2% on the year before.

  • Spending floor

    15 of 15

    80% of spending went to programs and raising each dollar of donations cost 8 cents.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 100 out of 100. Higher than 68% of charities in its peer group (community improvement, $1m to $10m).

  • Independent board

    25 of 25

    13 of 13 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (2)
  1. $2.5 million spent. NCDF PROVIDED FINANCING TO 100 SMALL BUSINESSES AND COMMUNITY DEVELOPMENT PROJECTS IN 2024 THROUGH LOANS; NCDF'S TECHNICAL ASSISTANCE PROGRAMS SERVED 588 INDIVIDUALS AND BUSINESSES. THE TOTAL PORTFOLIO OF LOANS OUTSTANDING REACHED 294 LOANS, OF WHICH 45% WERE TO LOW AND VERY LOW INCOME BORROWERS, AND THE REMAINDER WERE TO BUSINESS OWNERS AND COMMUNITY ORGANIZATIONS INVESTING IN THEIR LOCAL COMMUNITIES IN PITTSBURGH AND ALLEGHENY COUNTY. NCDF OFFERS FLEXIBLE FINANCING TERMS AND SUPPORTS ITS BORROWERS WITH TECHNICAL ASSISTANCE THAT IS INTENDED TO INCREASE THE CHANCES OF THEIR SUCCESS- WHETHER THAT IS FOR A GROWING SMALL BUSINESS, AN AFFORDABLE HOUSING PROJECT OR A COMMUNITY FACILITY. OVER ITS 24 YEAR HISTORY, NCDF HAS PROVIDED 613 LOANS TOTALING MORE THAN (CONTINUED ON SCHEDULE O)
  2. LINE 1. BRIEFLY DESCRIBE THE ORGANIZATION'S MISSION (CONTINUED): ALLEGHENY COUNTY, PA WITH TAILORED FINANCIAL PRODUCTS AND TECHNICAL ASSISTANCE. LINE 4 (CONTINUED): 44 MILLION IN PITTSBURGH AND UNDERSERVED NEIGHBORHOODS AND POPULATIONS, ESPECIALLY LOW AND MODERATE INCOME BUSINESS OWNERS. IT HAS CONSISTENTLY BEEN THE LARGEST MICROLOAN PROVIDER IN WESTERN PENNSYLVANIA, AS MEASURED BY THE US SMALL BUSINESS ADMINISTRATION.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending December 2024.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since May 2000.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

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