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RISING TIDE COMMUNITY LOAN FUND

EIN 23-3079170 BETHLEHEM, PA

Revenue 2024
$531,752
Expenses 2024
$629,968

Program services were 83.3% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
03
NTEE code
S31
Classification
1000
Street
1337 E 5TH ST

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2024

Mission

THE ORGANIZATION PROVIDES LOANS TO SMALL OR START-UP BUSINESS VENTURES, THAT MAY NOT QUALIFY TO BANK STANDARDS THEREBY IMPROVING ECONOMICALLY DEPRESSED COMMUNITIES.

  • THE ORGANIZATION PROVIDES LOANS TO SMALL OR START-UP BUSINESS VENTURES, THAT MAY NOT QUALIFY TO BANK STANDARDS, TO IMPROVE THE SOCIAL WELFARE OF ECONOMICALLY DEPRESSED OR BLIGHTED NEIGHBORHOODS OF THE COMMUNITY.MADE LOANS TO 16 DIFFERENT BUSINESS, OF THESE 12 WERE TO BUSIENSSES OWNED BY LOW-TO-MODERATE INCOME INDIVIDUALS AND/OR LOCATED IN LOW-TO-MODERATE INCOME CENSUS TRACTS, 8 WERE MADE TO WOMAN-OWNED BUSINESSES AND 6 WERE MADE TO MINORITY-OWNED BUSINESSES. BUSINESSES THAT RECEIVED LOANS IN 2024-2025 WERE 4 EATERIES, AN ARTIST, A BREWERY, A VENDING COMPANY, A COFFEE SHOPT, A CHILDCARE CENTER, A FILM MAKER, A SHIPPING COMPANY, AN ART STUDIO, A PLANT SHOP, A PERFUME STORE, AND A TRANSPORTATION COMPANY. THE 16 FUNDED BUSINESSES REPORTED THE CREATION OR RETENTION OF 99 JOBS.

    Expenses $524,748 · Grants $6,678 · Revenue $283,173

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • SALLY HANDLON

    PRESIDENT

    Total calculated
    $0
    Hours/week
    2

  • TODD WATKINS

    VICE-PRESIDENT

    Total calculated
    $0
    Hours/week
    2

  • DAVID HAMMER

    TREASURER

    Total calculated
    $0
    Hours/week
    2

  • ELIZABETH ORTIZ

    SECRETARY

    Total calculated
    $0
    Hours/week
    2

  • COLLEEN KRCELICH

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • DANIEL DIAZ

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • DAVID KORMANIK

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • JOSH LAMPE

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • KIM EDWARDS

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • LAUREN TAROLA

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • MAREK TOMANEK

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • OTIS MCNEIL

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • PAS SIMPSON

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • PAT CORPORA

    BOARD MEMBER (THRU 12-24)

    Total calculated
    $0
    Hours/week
    2

  • RUSSELL FLETCHER JR

    BOARD MEMBER (THRU 11-24)

    Total calculated
    $0
    Hours/week
    2

  • SEAN ZILLER

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • WAYNE BARZ

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    2

  • DAWN GODSHALL

    EXECUTIVE DIRECTOR

    Total calculated
    $227,828
    From this org
    $0
    From related orgs
    $181,444
    Other
    $46,384
    Hours/week
    1 + 39 related

    Schedule J breakdown matched by us

    Base
    $0 + $181,444 related
    Bonus
    $0
    Other
    $0
    Deferred
    $0 + $12,802 related
    Nontaxable benefits
    $0 + $33,582 related
    Filer's total
    $0 + $227,828 related

  • CHRIS HUDOCK

    ASSOCIATE EXECUTIVE DIRECT

    Total calculated
    $127,813
    From this org
    $0
    From related orgs
    $92,455
    Other
    $35,358
    Hours/week
    50

  • KATHERINE DUQUE

    COO EFF 5-2025

    Total calculated
    $106,315
    From this org
    $0
    From related orgs
    $72,682
    Other
    $33,633
    Hours/week
    1 + 39 related

  • STEPHEN BROOME

    CFO THRU 9/24

    Total calculated
    $109,773
    From this org
    $0
    From related orgs
    $85,090
    Other
    $24,683
    Hours/week
    1 + 39 related

  • JESSICA REIMERT

    CFO EFF 3-2025

    Total calculated
    $148,192
    From this org
    $0
    From related orgs
    $109,783
    Other
    $38,409
    Hours/week
    1 + 39 related

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $531,752
    Expenses
    $629,968
    Contributions
    $164,333
    Grants paid
    $6,678
  • 2023
    Revenue
    $652,946
    Expenses
    $1,028,854
    Contributions
    $317,408
    Grants paid
    $2,722
  • 2022
    Revenue
    $955,580
    Expenses
    $812,180
    Contributions
    $727,692
    Grants paid
    $1,409

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $8,811,127
    Expenses
    $8,165,963
    Assets (EOY)
    $5,943,913

  • 2020 · 990

    Revenue
    $1,491,680
    Expenses
    $807,454
    Assets (EOY)
    $12,913,298

  • 2019 · 990

    Revenue
    $647,498
    Expenses
    $397,354
    Assets (EOY)
    $4,526,228

  • 2018 · 990

    Revenue
    $369,866
    Expenses
    $351,844
    Assets (EOY)
    $4,269,461

  • 2017 · 990

    Revenue
    $439,337
    Expenses
    $377,587
    Assets (EOY)
    $3,843,287

  • 2016 · 990

    Revenue
    $269,252
    Expenses
    $218,177
    Assets (EOY)
    $3,164,885

  • 2015 · 990

    Revenue
    $488,488
    Expenses
    $219,795
    Assets (EOY)
    $2,879,779

  • 2014 · 990

    Revenue
    $346,259
    Expenses
    $254,688
    Assets (EOY)
    $2,582,052

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.

Grants made

Where these grants went next →

Grants received

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2024 return

Declared as related by

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Listed as of 13 October 2026, under deductibility PC.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 26 October 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.