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ENTERPRISE COMMUNITY LOAN FUND INC

EIN 52-0192004 COLUMBIA, MD

Revenue 2023
$36,120,781
Expenses 2023
$23,753,467

Program services were 93.5% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
03
NTEE code
L20
Classification
1200
Street
11000 BROKEN LAND PKWY STE 700

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).

Officers and directors · 2023

As listed in Part VII of the 2023 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • LORI CHATMAN

    DIRECTOR

    Total calculated
    $900,026
    From this org
    $0
    From related orgs
    $865,253
    Other
    $34,773
    Hours/week
    1 + 39 related

    Schedule J breakdown matched by us

    Base
    $0 + $434,598 related
    Bonus
    $0 + $428,333 related
    Other
    $0 + $2,322 related
    Deferred
    $0 + $24,894 related
    Nontaxable benefits
    $0 + $9,879 related
    Filer's total
    $0 + $900,026 related

  • WILLIAM BECKMANN

    SVP & CHIEF FINANCIAL OFFICER

    Total calculated
    $569,690
    From this org
    $0
    From related orgs
    $538,609
    Other
    $31,081
    Hours/week
    1 + 39 related

    Schedule J breakdown matched by us

    Base
    $0 + $410,245 related
    Bonus
    $0 + $124,800 related
    Other
    $0 + $3,564 related
    Deferred
    $0 + $9,900 related
    Nontaxable benefits
    $0 + $21,181 related
    Filer's total
    $0 + $569,690 related

  • LINDA MANLEY

    GENERAL COUNSEL & SEC. AS OF 3/23

    Total calculated
    $543,287
    From this org
    $0
    From related orgs
    $486,453
    Other
    $56,834
    Hours/week
    1 + 39 related

    Schedule J breakdown matched by us

    Base
    $0 + $368,301 related
    Bonus
    $0 + $115,830 related
    Other
    $0 + $2,322 related
    Deferred
    $0 + $24,894 related
    Nontaxable benefits
    $0 + $31,940 related
    Filer's total
    $0 + $543,287 related

  • ELISE BALBONI

    PRESIDENT

    Total calculated
    $484,392
    From this org
    $450,187
    From related orgs
    $0
    Other
    $34,205
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $321,865
    Bonus
    $126,000
    Other
    $2,322
    Deferred
    $24,894
    Nontaxable benefits
    $9,311
    Filer's total
    $484,392

  • CHARLOTTE CROW

    SENIOR VICE PRESIDENT AND TREASURER

    Total calculated
    $356,635
    From this org
    $308,986
    From related orgs
    $0
    Other
    $47,649
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $243,545
    Bonus
    $61,250
    Other
    $4,191
    Deferred
    $23,418
    Nontaxable benefits
    $24,231
    Filer's total
    $356,635

  • TIMOTHY MARTIN

    VP & CHIEF CREDIT OFFICER

    Total calculated
    $338,865
    From this org
    $288,357
    From related orgs
    $0
    Other
    $50,508
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $229,475
    Bonus
    $57,635
    Other
    $1,247
    Deferred
    $21,759
    Nontaxable benefits
    $28,749
    Filer's total
    $338,865

  • STEPHANIE SHACK

    GENERAL COUNSEL & SEC. UNTIL 3/23

    Total calculated
    $334,781
    From this org
    $0
    From related orgs
    $327,532
    Other
    $7,249
    Hours/week
    4 + 36 related

    Schedule J breakdown matched by us

    Base
    $0 + $81,396 related
    Bonus
    $0 + $111,000 related
    Other
    $0 + $135,136 related
    Deferred
    $0 + $4,923 related
    Nontaxable benefits
    $0 + $2,326 related
    Filer's total
    $0 + $334,781 related

  • JONATHAN CLARKE

    VP & CHIEF LENDING OFFICER

    Total calculated
    $309,979
    From this org
    $277,080
    From related orgs
    $0
    Other
    $32,899
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $220,965
    Bonus
    $55,000
    Other
    $1,115
    Deferred
    $20,538
    Nontaxable benefits
    $12,361
    Filer's total
    $309,979

  • SHAUN DONOVAN

    DIRECTOR

    Total calculated
    $261,397
    From this org
    $0
    From related orgs
    $248,570
    Other
    $12,827
    Hours/week
    1 + 39 related

    Schedule J breakdown matched by us

    Base
    $0 + $247,990 related
    Bonus
    $0
    Other
    $0 + $580 related
    Deferred
    $0 + $5,625 related
    Nontaxable benefits
    $0 + $7,202 related
    Filer's total
    $0 + $261,397 related

  • CHARLES WERHANE

    FORMER DIRECTOR

    Total calculated
    $250,000
    From this org
    $0
    From related orgs
    $250,000
    Other
    $0
    Hours/week
    0 + 40 related

    Schedule J breakdown matched by us

    Base
    $0 + $250,000 related
    Bonus
    $0
    Other
    $0
    Deferred
    $0
    Nontaxable benefits
    $0
    Filer's total
    $0 + $250,000 related

  • MONICA WARREN-JONES

    STRATEGIC PROJECTS DIRECTOR

    Total calculated
    $240,703
    From this org
    $199,779
    From related orgs
    $0
    Other
    $40,924
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $161,705
    Bonus
    $35,690
    Other
    $2,384
    Deferred
    $14,161
    Nontaxable benefits
    $26,763
    Filer's total
    $240,703

  • JOSHUA GRIFF

    DIRECTOR, CREDIT

    Total calculated
    $218,424
    From this org
    $177,162
    From related orgs
    $0
    Other
    $41,262
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $148,392
    Bonus
    $28,293
    Other
    $477
    Deferred
    $11,872
    Nontaxable benefits
    $29,390
    Filer's total
    $218,424

  • ANNA SMUKOWSKI

    SENIOR DIRECTOR, CAPITAL PROGRAMS

    Total calculated
    $217,308
    From this org
    $194,077
    From related orgs
    $0
    Other
    $23,231
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $176,696
    Bonus
    $17,045
    Other
    $336
    Deferred
    $12,951
    Nontaxable benefits
    $10,280
    Filer's total
    $217,308

  • SHARON BOLLERS

    DIRECTOR, LENDING

    Total calculated
    $209,484
    From this org
    $187,412
    From related orgs
    $0
    Other
    $22,072
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $166,935
    Bonus
    $19,857
    Other
    $620
    Deferred
    $12,281
    Nontaxable benefits
    $9,791
    Filer's total
    $209,484

  • STEPHANIE BARRETT

    SENIOR LOAN OFFICER

    Total calculated
    $206,747
    From this org
    $165,198
    From related orgs
    $0
    Other
    $41,549
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $148,329
    Bonus
    $15,364
    Other
    $1,505
    Deferred
    $10,864
    Nontaxable benefits
    $30,685
    Filer's total
    $206,747

  • ALICE CARR

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • CATHY DOLAN

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • HAROLD PETTIGREW

    DIRECTOR UNTIL 3/23

    Total calculated
    $0
    Hours/week
    1

  • CYNTHIA MULLER

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

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 — 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

  • 2023
    Revenue
    $36,120,781
    Expenses
    $23,753,467
    Contributions
    $9,747,724
    Grants paid
    $3,255,130
  • 2022
    Revenue
    $35,729,584
    Expenses
    $19,483,504
    Contributions
    $16,174,870
    Grants paid
    $3,544,621

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.

Grants made

The 10 largest by cash amount. The API serves every itemized grant.

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 2023 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 10 September 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.