2025-11-07T07:57:18-06:00 2025-06-30 042571780 AAFCPAS INC 50 WASHINGTON STREET WESTBOROUGH MA 01581 990 2024-07-01 222524015 NEW HAMPSHIRE COMMUNITY LOAN FUND INC NEWH 6032246669 7 WALL STREET CONCORD NH 03301 STEVE SALTZMAN PRESIDENT AND CEO 6032246669 2025-11-06 1 1 CAITLIN LIMOGES CPA P01633588 5083669100 2025-11-06 2024 2025-03-06 01:10:19Z STEVE SALTZMAN 7 WALL STREET CONCORD NH 03301 75052598 0 X WWW.COMMUNITYLOANFUND.ORG X 1983 NH OUR MISSION IS TO PROVIDE PEOPLE AND COMMUNITIES, IN NEW HAMPSHIRE AND BEYOND, WITH THE FINANCIAL, HUMAN, AND CIVIC RESOURCES THEY NEED TO BE ECONOMICALLY SECURE. WE DO THIS BY PROVIDING LOANS, CAPITAL, AND COACHING TO BORROWERS ACROSS THREE BROAD SECTORS: AFFORDABLE HOUSING, BUSINESS FINANCE, AND COMMUNITY SERVICES; COMPLEMENTING AND EXTENDING THE REACH OF CONVENTIONAL LENDERS AND PUBLIC INSTITUTIONS; AND BRINGING PEOPLE AND INSTITUTIONS TOGETHER TO SOLVE PROBLEMS. ESTABLISHED IN 1983, THE COMMUNITY LOAN FUND WAS ONE OF THE FIRST COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS IN THE NATION AND IS RECOGNIZED AS A NATIONAL LEADER FOR ITS INNOVATION, SOCIAL IMPACT, FINANCIAL STRENGTH, AND PERFORMANCE. THE COMMUNITY LOAN FUND WAS THE2009 RECIPIENT OF THE NEXT AWARD FOR OPPORTUNITY FINANCE, THE HIGHEST HONOR IN OUR FIELD. 16 15 87 17 0 0 10855047 57846893 14536098 17510006 859613 1109826 1764593 -1414127 28015351 75052598 6889013 41795010 0 0 5971173 7650476 0 0 476226 7824827 8490257 20685013 57935743 7330338 17116855 220225049 237353910 163402410 163574882 56822639 73779028 X OUR MISSION IS TO PROVIDE PEOPLE AND COMMUNITIES, IN NEW HAMPSHIRE AND BEYOND, WITH THE FINANCIAL, HUMAN, AND CIVIC RESOURCES THEY NEED TO BE ECONOMICALLY SECURE. WE DO THIS BY PROVIDING LOANS, CAPITAL AND TECHNICAL ASSISTANCE TO BORROWERS ACROSS THREE BROAD SECTORS: AFFORDABLE HOUSING, BUSINESS FINANCE, AND COMMUNITY SERVICES; COMPLEMENTING AND EXTENDING THE REACH OF CONVENTIONAL LENDERS AND PUBLIC INSTITUTIONS; AND BRINGING PEOPLE AND INSTITUTIONS TOGETHER TO SOLVE PROBLEMS.ESTABLISHED IN 1983, THE COMMUNITY LOAN FUND WAS ONE OF THE FIRST COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS IN THE NATION AND IS RECOGNIZED AS A NATIONAL LEADER FOR ITS INNOVATION, SOCIAL IMPACT, FINANCIAL STRENGTH AND PERFORMANCE. THE COMMUNITY LOAN FUND WAS THE 2009 RECIPIENT OF THE NEXT AWARD FOR OPPORTUNITY FINANCE, THE HIGHEST HONOR IN OUR FIELD. 0 0 4991379 10146157 AFFORDABLE HOUSING - SEE SCHEDULE O 6749291 CAPITALIZATION AND PHILANTHROPY - SEE SCHEDULE O 44530472 41795010 5166217 BUSINESS FINANCE - SEE SCHEDULE O 124509 270960 1. SINCE 1984, OUR COMMUNITY SERVICES FINANCING HAS SUPPORTED ESSENTIAL SERVICES, INCLUDING CENTER- AND HOME-BASED EARLY CHILDHOOD EDUCATION, BY HELPING NONPROFIT ORGANIZATIONS BUY, RENOVATE, OR BUILD FACILITIES. THE COMMUNITY LOAN FUND HAS MADE 143 COMMUNITY SERVICES LOANS TOTALING OVER $38.3 MILLION. IN FY2025, THE COMMUNITY LOAN FUND MADE 7 COMMUNITY SERVICES LOANS FOR $1,491,000.2. SINCE 2023, USDA IS PARTNERING WITH THE COMMUNITY LOAN FUND TO MAKE AVAILABLE $186,705,000 IN GRANTS THROUGH TWO NATION-WIDE PROGRAMS: THE LOCAL MEAT CAPACITY GRANT PROGRAM AND THE MEAT AND POULTRY PROCESSING EXPANSION PROGRAM. THE PROGRAMS AIM TO PROMOTE FAIRER, MORE COMPETITIVE AND MORE RESILIENT MEAT AND POULTRY SUPPLY CHAINS. THE COMMUNITY LOAN FUND WILL HELP USDA ADMINISTER THE PASS-THROUGH GRANTS OVER SIX YEARS (2024-2029). THESE REGRANTING ACTIVITIES ARE MANAGED UNDER THE COMMUNITY LOAN FUND'S SUSTAINABLE FOOD SYSTEMS PROGRAM (SFSP). IN FY2025, THE COMMUNITY LOAN FUND DISBURSED $41,706,985 IN PASS THROUGH GRANTS. 512545 OTHER PROGRAMS 124509 783505 56395651 1 1 0 1 0 0 0 0 0 0 1 0 1 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 1 607 0 1 87 1 0 0 0 0 0 0 0 0 0 0 0 0 X 16 15 0 0 1 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 NH X BONNIE SCADOVA 6032246669 7 WALL STREET CONCORD NH 03301 STEVE SALTZMAN PRESIDENT & CEO 40.00 X X 256191 0 37026 JAMIE RICHARDSON BOARD CHAIR 1.00 X X 0 0 0 COLBY MEEHAN VICE CHAIR 1.00 X X 0 0 0 KATHLEEN REARDON TREASURER (UNTIL 12/24) 1.00 X X 0 0 0 ANDRE GARRON VICE TREAS./TREASURER (AS OF 12/24) 1.00 X X 0 0 0 JIM KEROUAC SECRETARY 1.00 X X 0 0 0 LIZ LAROSE VICE SECRETARY 1.00 X X 0 0 0 MICHAEL SWACK EMERITUS 1.00 X 0 0 0 SID PRABHAKAR MEMBER 1.00 X 0 0 0 ALI SEKOU MEMBER 1.00 X 0 0 0 DON BRUEGGEMANN MEMBER 1.00 X 0 0 0 MARK FICKLE MEMBER 1.00 X 0 0 0 JOSEPH GERAKOS MEMBER 1.00 X 0 0 0 PAMELA ROTHGABER MEMBER 1.00 X 0 0 0 VICTORIA STAUNCHES MEMBER 1.00 X 0 0 0 LIONEL LOVELESS MEMBER 1.00 X 0 0 0 RUDY GLOCKER MEMBER 1.00 X 0 0 0 MAYTE RIVERA MEMBER (3/25 - 8/25) 1.00 X 0 0 0 BONNIE SCADOVA CHIEF FINANCIAL OFFICER 40.00 X 203794 0 32683 SARAH MARCHANT COO & VP OF ROC-NH 40.00 X 182145 0 44953 LUCAS KNOWLES DIR. SUSTAINABLE FOOD SYSTEMS PROGRAM 40.00 X 170105 0 32780 COREY SANBORN-POTTER EXECUTIVE VP OF LENDING AND CREDIT 40.00 X 154677 0 10211 KATHARINE COTE VP OF EXTERNAL RELATIONS 40.00 X 128551 0 23251 KATHLEEN PARADIS VP OF RESIDENTIAL LENDING & COMPLIANCE 40.00 X 117515 0 38503 KALEIGH BULLOCK VP OF ORGANIZATIONAL STRATEGY & COMM. 40.00 X 111863 0 18435 1324841 0 237842 13 0 1 0 DESIGN BY COSMIC INC 343 SOQUEL AVENUE 143 SANTA CRUZ CA 95062 REBRANDING AND WEBSITE DESIGN WORK 288475 BLUE SPRUCE TECHNOLOGY INC 50 POINTE PLACE SUITE 9 DOVER NH 03820 TECHNICAL CONSULTING 166555 COLUMINATE 846 NORTH STONE AVENUE TUCSON AZ 85705 CONSULTING FOR ROC-NH 110899 3 42956985 14889908 129896 57846893 INTEREST FROM LOANS 531390 13298248 13298248 GRANT ADMINISTRATION FEES 531390 3821756 3821756 LOAN RELATED FEES 531390 374885 374885 TRAINING AND OTHER FEES 531390 15117 15117 17510006 1109826 1109826 RECOVERY FOR CREDIT LOSSES 900099 55507 55507 PROGRAM RELATED DEV. INVEST. 900099 -1469634 -1469634 -1414127 75052598 16095879 0 1109826 41795010 41795010 761456 347489 375895 38072 5497426 5172215 82806 242405 324294 307273 3222 13799 600839 565805 9377 25657 466461 415367 30722 20372 22080 20293 1569 218 127806 93687 30018 4101 120016 93805 23165 3046 606299 476186 110609 19504 21047 20793 216 38 723618 529774 99163 94681 52049 39444 11147 1458 176047 102797 70582 2668 171387 153868 15463 2056 110489 107616 2523 350 4997922 4997922 256038 137395 115445 3198 155588 90318 63085 2185 CREDIT LOSS PROVISION 687235 687235 STAFF TRAINING 153756 132479 18859 2418 TECHNICAL ASSISTANCE 108880 108880 57935743 56395651 1063866 476226 20359033 17412987 1369819 1023383 822166 879786 257591 559335 6759483 3236969 3452537 3522514 2000647 1985800 191898256 211970105 65000 0 220225049 237353910 2191268 2679567 186958 67093 149332953 149193418 11691231 11634804 163402410 163574882 X 44364266 61835780 12458373 11943248 56822639 73779028 220225049 237353910 17116855 -160466 0 X X 0 1 X 1 1 1 X 2857705 4915040 2626783 10855047 57846893 79101468 2857705 4915040 2626783 10855047 57846893 79101468 79101468 200388 189911 265142 892186 1109826 2657453 81758921 64988923 0.96750 0.92700 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 10017 128544 138561 57797182 57935743 1000000 250000 0 0 696509 764067 1000000 1000000 3460576 5190864 58375 85735 91038 138561 373709 174127 191017 250000 250000 865144 1297716 17475 2977 2417 10017 32886 0 0 321461 321461 5114252 2232609 2881643 1323770 1004360 319410 3522514 LOANS RECEIVABLE 208441855 C ROC USA 3497318 F OTHER PROGRAM-RELATED EQUITY INVESTMENTS 30932 F 211970105 EQUITY EQUIVALENTS PAYABLE 11600000 NON-RECOURSE PARTICIPATION 34804 11634804 X PART X, LINE 2: THE COMMUNITY LOAN FUND ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ACCORDANCE WITH ASC TOPIC, INCOME TAXES. THIS STANDARD CLARIFIES THE ACCOUNTING FOR UNCERTAINTY IN TAX POSITIONS AND PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENTS REGARDING A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE COMMUNITY LOAN FUND HAS DETERMINED THAT THERE ARE NO UNCERTAIN TAX POSITIONS WHICH QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE ACCOMPANYING FINANCIAL STATEMENTS AT JUNE 30, 2025. THE COMMUNITY LOAN FUND'S INFORMATION RETURNS ARE SUBJECT TO EXAMINATION BY THE FEDERAL AND STATE JURISDICTIONS. 1 CADMUS CORPORATION 195 ISAAC FRYE HIGHWAY WILTON NH 03086 020360785 10173 0 REAL ESTATE PURCHASE CANTERBURY COMMUNITY MARKET LLC 1-3 CENTER ROAD CANTERBURY NH 03224 020523639 36000 0 LOAN PRINCIPAL PAY DOWN DEER ESTATES COOPERATIVE INC 6 PARK AVENUE MILAN NH 03588 473753542 8500 0 PROPERTY IMPROVEMENTS ADAMS FARM SLAUGHTERHOUSE LLC 854 BEARSDEN ROAD ATHOL MA 01331 260482720 9570 0 LMCAP EXPANSION BACK 40 BUTCHERY 2316 DIXIE DRIVE HODGES SC 29653 843590361 237440 0 LMCAP EQUIPMENT-ONLY BEHRMANN MEAT & PROCESSING 303 STATE RD 161 E ALBERS IL 62215 370920912 1321078 0 LMCAP EXPANSION BUD'S CUSTOM MEATS INC 7750 PETALUMA HILL ROAD PENNGROVE CA 94951 454073627 10468 0 LMCAP EQUIPMENT-ONLY CATTLEMEN'S PROCESSING LLC PO BOX 250 ARLINGTON AZ 85322 862423293 249185 0 LMCAP EQUIPMENT-ONLY CHEROKEE NATION PO BOX 1669 TAHLEQUAH OK 74465 730757033 231886 0 LMCAP EQUIPMENT-ONLY CJV LLC 422 13TH AVENUE GILBERTVILLE IA 50634 874220027 250000 0 LMCAP EQUIPMENT-ONLY CLARKS CUSTOM MEAT CO 8411 SW 59 HWY SAINT JOSEPH MO 64504 450511415 250000 0 LMCAP EQUIPMENT-ONLY CORSENTINO MEAT PROCESSING LLC 2689 STATE HWY 10 WALSENBURG CO 81089 854380158 145935 0 LMCAP EQUIPMENT-ONLY CREAM CO LLC 3923 FRUITVALE AVENUE OAKLAND CA 94602 811859681 1199307 0 LMCAP EXPANSION CRESCENT MEATS LLC 15332 STATE HWY 27 CADOTT WI 54727 300968369 425192 0 LMCAP EXPANSION CROSS STONE FARM INC 237 BROCKELMAN ROAD LANCASTER MA 01523 461769770 63756 0 LMCAP EXPANSION CYPRESS VALLEY MEAT COMPANY 1 LLC 5951 US 64 E POTTSVILLE AR 72858 812942872 246538 0 LMCAP EQUIPMENT-ONLY DEWIG BROS PACKING CO INC 100 E MAPLE ST HAUBSTADT IN 47639 351056074 250000 0 LMCAP EQUIPMENT-ONLY DURAND MEAT PROCESSING 6458 SOUTH REED ROAD DURAND MI 48429 382388326 285003 0 LMCAP EXPANSION EDGEWOOD LOCKER INC 609 WEST UNION STREET EDGEWOOD IA 52042 421467529 1052377 0 LMCAP EXPANSION FALLON LIVESTOCK PROCESSING LLC 1100 SOUTH ALLEN ROAD FALLON NV 89406 851228271 186894 0 LMCAP EQUIPMENT-ONLY FEDDES FAMILY MEATS INC 151 PEBBLE BROOK LANE BELGRADE MT 59714 851560458 250000 0 LMCAP EQUIPMENT-ONLY FISCHER FARMS NATURAL FOODS 7510 EAST STATE ROAD 64 BIRDSEYE IN 47513 134277682 80504 0 LMCAP EXPANSION GANADIRIA SANTIAGO INC PO BOX 7382 PONCE PR 00732 660537278 250000 0 LMCAP EQUIPMENT-ONLY GARFIELD MEATS 102 NORTH 3RD STREET GARFIELD WA 99130 874449758 123109 0 LMCAP EQUIPMENT-ONLY GLACIER PROCESSING COOPERATIVE 1066 STEEL BRIDGE ROAD KALISPELL MT 59901 923490439 250000 0 LMCAP EQUIPMENT-ONLY GRANITE STATE PACKING INC 471 SULLIVAN STREET CLAREMONT NH 03743 920991097 444371 0 LMCAP EXPANSION GRATEFUL PASTURES LLC 23574 HWY 11 N MANSFIELD GA 30055 473045543 134066 0 LMCAP EQUIPMENT-ONLY HENRY KOHN INC 30 BURLINGTON ROAD UPPER PITTSGROVE NJ 08343 223225772 101161 0 LMCAP EXPANSION HIGH COUNTRY MEATS 340 COLFAX AVENUE RATON NM 87740 850416391 65779 0 LMCAP EXPANSION HOLTON MEAT PROCESSING 701 ARIZONA AVENUE HOLTON KS 66436 810905483 249185 0 LMCAP EQUIPMENT-ONLY I'O PROCESSING COMPANY INC 73-4103 HAWAII BELT RD KAILUA KONA HI 96740 873525350 611977 0 LMCAP EXPANSION ISLAND GROWN FARMERS COOPERATIVE 11719 WESTAR LANE BURLINGTON WA 98233 912089207 120538 0 LMCAP EQUIPMENT-ONLY JESSICA ROOSA DBA THIS OLD FARM INC 9572 WEST CO ROAD 650 SOUTH COLFAX IN 46035 264562473 1069489 0 LMCAP EXPANSION KEITH SCHRADER DBA SCHRADER FARMS LLC 1937 SOMERVILLE ROAD ROMULUS NY 14541 843278204 50000 0 LMCAP EQUIPMENT-ONLY LA MILAGROSA FARM LLC URB LA SALAMANCA VALDEPENA 136 SAN GERMAN PR 00683 660904288 250000 0 LMCAP EQUIPMENT-ONLY LAKE GENEVA COUNTRY MEATS INC 5907 STATE ROAD 50 LAKE GENEVA WI 53147 391330628 176675 0 LMCAP EQUIPMENT-ONLY LIGHT HILL MEATS LLC 3851 CORNERSVILLE ROAD LYNNVILLE TN 38472 821379834 124801 0 LMCAP EQUIPMENT-ONLY LIVESTOCK INSTITUTE OF S NEW ENGLAND 287 STATE ROAD WESTPORT MA 02790 465691864 179309 0 LMCAP EQUIPMENT-ONLY LORENTZ ETC INC 705 CANNON INDUSTRIAL BOULEVARD CANNON FALLS MN 55009 411328484 230519 0 LMCAP EQUIPMENT-ONLY MAPLE RIDGE MEATS LLC 464 OLD STAGE ROAD BENSON VT 05743 462797549 250000 0 LMCAP EQUIPMENT-ONLY MARKSBURY FARM FOODS LLC 7931 NICHOLSVILLE RD LANCASTER KY 40444 611585213 224125 0 LMCAP EQUIPMENT-ONLY MICHIGAN TURKEY PRODUCERS CO-OP INC 1100 HALL STREET SOUTHWEST GRAND RAPIDS MI 49503 383432559 250000 0 LMCAP EQUIPMENT-ONLY MILLER CHARM FARM LLC 137 SAINT PETERS ROAD TAMAQUA PA 18252 464639692 135067 0 LMCAP EQUIPMENT-ONLY MOEDERS MEATS 800 JUNCTION AVENUE WAKEENEY KS 67672 872994528 115238 0 LMCAP EQUIPMENT-ONLY MOLOKAI LIVESTOCK COOPERATIVE POBOX 1569 KAUNAKAKAI HI 96748 990297575 38175 0 LMCAP EXPANSION MONTANA PREMIUM PROCESSING COOPERATIVE 230 25TH AVENUE W HAVRE MT 59501 872145084 249458 0 LMCAP EQUIPMENT-ONLY MONTSHIRE PACKING LLC 500 BENTON ROAD HAVERHILL NH 03774 920803752 356702 0 LMCAP EXPANSION NIMROD MEATS LLC 214 S HIGH ST IOWA FALLS IA 50126 862699467 245804 0 LMCAP EQUIPMENT-ONLY NINE TWENTY PROCESSING LLC 846 SOUTH GRAY STREET MILLEN GA 30442 832396117 2526840 0 LMCAP EXPANSION NORCINO SALUMI LLC 1107 S 3RD ST MT VERNON WA 98273 880748343 31747 0 LMCAP EQUIPMENT-ONLY NORTH GEORGIA MEAT COMPANY INC 191 PINE MOUNTAIN LANE ELLIJAY GA 30540 881291567 34595 0 LMCAP EXPANSION NORTHEAST KINGDOM PROCESSING LLC 796 INDUSTRIAL PARKWAY SAINT JOHNSBURY VT 05819 462936914 247993 0 LMCAP EQUIPMENT-ONLY NORTHWEST PREMIUM MEATS LLC 137 HAPPY VALLEY RD NAMPA ID 83687 820531002 194795 0 LMCAP EQUIPMENT-ONLY OZARK PLATEAU PORK LLC 3610 BUTTONWOOD DRIVE SUITE 200 COLUMBIA MO 65201 852734188 745555 0 LMCAP EXPANSION PARADISE LOCKER INC PO BOX 36 TRIMBLE MO 64492 431914000 91505 0 LMCAP EQUIPMENT-ONLY PAT'S PASTURED LLC 830 SOUTH ROAD EAST GREENWICH RI 02818 832916648 249924 0 LMCAP EQUIPMENT-ONLY PRINCETON CUSTOM MEATS EAST GRANT STREET PRINCETON MO 64673 931481925 131956 0 LMCAP EQUIPMENT-ONLY PURE COUNTRY HARVEST LLC 2721 WEST PENINSULA DRIVE MOSES LAKE WA 98837 471742601 504380 0 LMCAP EXPANSION RAINBOW ORGANIC FARMS 1976 55TH STREET BRONSON KS 66716 481145198 54669 0 LMCAP EQUIPMENT-ONLY REGENERATIVE AGRICULTURE ALLIANCE 301 DIVISION ST S NORTHFIELD MN 55057 832083500 44600 0 LMCAP EQUIPMENT-ONLY REVEL MEAT COMPANY 10290 SOUTH MULINO ROAD CANBY OR 97013 854254979 250000 0 LMCAP EQUIPMENT-ONLY SEVEN HILLS FOOD LLC 7 ABATTOIR STREET LYNCHBURG VA 24501 464303655 770247 0 LMCAP EXPANSION SHORT CREEK MEATS LLC 6 COMMERCE DR KENNEBUNK ME 04043 873798796 168315 0 LMCAP EQUIPMENT-ONLY SMOKING PIG LLC 2465 SOUTH HONEYTOWN ROAD WOOSTER OH 44691 884147904 1136519 0 LMCAP EXPANSION SONOMA COUNTY MEAT CO LLC 35 SEBASTOPOL AVENUE SANTA ROSA CA 95407 320412753 735990 0 LMCAP EXPANSION STEVE AND LAURA 2 LLC 8375 FREELAND AVE SW BYRON CENTER MI 49315 861200448 779054 0 LMCAP EXPANSION STILLMAN QUALITY MEATS LLC 3674 GREENWICH ROAD WARE MA 01082 472751709 188177 0 LMCAP EQUIPMENT-ONLY TEXAS PRIDE PROCESSING LLC 210 MARKET STREET EL CAMPO TX 77437 320670148 610222 0 LMCAP EXPANSION TIDE MILL ORGANIC FARM LLC 91 TIDE MILL ROAD TOWNSHIP OF EDMUNDS ME 04628 824648962 238104 0 LMCAP EQUIPMENT-ONLY WHITE OAK PASTURES INC PO BOX 98 BLUFFTON GA 39824 201193550 49679 0 LMCAP EXPANSION WHITING FAMILY FOODS LLC 305 EASY STREET NEW WILMINGTON PA 16142 271446715 246499 0 LMCAP EQUIPMENT-ONLY WILEY PROCESSING LLC 2979 COUNTY ROAD TT WILEY CO 81092 863645661 226479 0 LMCAP EQUIPMENT-ONLY AMERICA'S HEARTLAND PACKING LLC 2600 EAGAN WOODS DRIVE SUITE 300 EAGAN MN 551211144 873301131 8211944 0 MPPEP - PHASE 2 ASC LOCKERS LLC 415 PLAZA DRIVE WEST POINT NE 687882615 274781812 381267 0 MPPEP - PHASE 2 BORCHARD CUSTOM CUT AND PROCESSING LLC 70388 HIGHWAY 61 BENKELMAN NE 690214011 810863913 61910 0 MPPEP - PHASE 2 CLEAN CHICKENS AND CO LLC 19227 YALE STREET NORTHWEST ELK RIVER MN 553302840 843668738 784428 0 MPPEP - PHASE 2 FISHER PACKING COMPANY 300 W WALNUT ST PORTLAND IN 473711810 352289914 282066 0 MPPEP - PHASE 2 FLINT PACKERS LLC 2998 ENGLISHVILLE ROAD ANDERSONVILLE GA 317113202 931987378 402178 0 MPPEP - PHASE 2 FRONTIER MEAT PACKING LLC 520 INDIAN CREEK LANE GOOD HOPE GA 360641214 883009301 502544 0 MPPEP - PHASE 2 GREENE GRAIN AND CATTLE LLC 508 CALIFORNIA DR SNOW HILL NC 285809600 881722716 527111 0 MPPEP - PHASE 2 HERO MANAGEMENT LLC 7000 CENTRAL PARKWAY SUITE 1460 ATLANTA GA 30328 861246039 131823 0 MPPEP - PHASE 2 JM WATKINS LLC 130 PINE AVENUE EAST PLUM CITY WI 547619007 463483137 1368192 0 MPPEP - PHASE 2 KORTE MEAT PROCESSORS INC 810 DEAL STREET HIGHLAND IL 622491313 371392692 3358789 0 MPPEP - PHASE 2 MCREZ PACKING INTERNATIONAL (MPI) LLC 3823 MARMON ROAD LYONS FALLS NY 133681814 871011785 21505 0 MPPEP - PHASE 2 NOAH'S ARK PROCESSORS LLC 1009 W M ST HASTINGS NE 689017234 260875973 2115945 0 MPPEP - PHASE 2 SIMLA FROZEN FOOD LOCKER CO LLC POBOX 187 SIMLA CO 808350187 841448606 29258 0 MPPEP - PHASE 2 SUSTAINABLE MEATS LLC 20601 SOUTH PLEASANT VALLEY ROAD KUNA ID 836342721 853229157 229500 0 MPPEP - PHASE 2 TELLMAN HILL FARM 226 GOULD ROAD WHITEFIELD NH 03598 852354902 10000 0 PROFESSIONAL SERVICES EVERLASTING HERB FARM 931 GREEN BAY LOOP PEACHAM VT 05862 562347016 6048 0 PROFESSIONAL SERVICES PEACEFUL PATH 380 HEERMANVILLE RD COVENTRY VT 05825 332451848 5390 0 PROFESSIONAL SERVICES 90 PART I, LINE 2: PROGRAM MANAGERS OVERSEE GRANT PROGRAMS AND MONITOR THE USE OF FUNDS BY GRANTEES THROUGH A VARIETY OF MEANS INCLUDING PERFORMANCE REPORTS, FINANCIAL REPORTS, INVOICES, PHOTOGRAPHY AND OTHER FORMS OF SUBSTANTIATING DOCUMENTATION. X X X X 0 0 0 0 0 0 0 0 0 STEVE SALTZMAN PRESIDENT & CEO 231191 0 25000 0 0 0 15531 0 21495 0 293217 0 0 0 BONNIE SCADOVA CHIEF FINANCIAL OFFICER 187194 0 16600 0 0 0 12607 0 20076 0 236477 0 0 0 SARAH MARCHANT COO & VP OF ROC-NH 165545 0 16600 0 0 0 11524 0 33429 0 227098 0 0 0 LUCAS KNOWLES DIR. SUSTAINABLE FOOD SYSTEMS PROGRA 143505 0 26600 0 0 0 10981 0 21799 0 202885 0 0 0 COREY SANBORN-POTTER EXECUTIVE VP OF LENDING AND CREDIT 150077 0 4600 0 0 0 9296 0 915 0 164888 0 0 0 KATHLEEN PARADIS VP OF RESIDENTIAL LENDING & COMPLIAN 111915 0 5600 0 0 0 7371 0 31132 0 156018 0 0 0 KATHARINE COTE VP OF EXTERNAL RELATIONS 121951 0 6600 0 0 0 8066 0 15185 0 151802 0 0 0 X 2 32068 FMV X NON-CASH GRANT 0 97828 FMV 0 1 0 FORM 990, PART III, LINE 4A: THREE COMMUNITY LOAN FUND PROGRAMS ADDRESS N.H.'S NEED FOR HOUSING FOR WORKING FAMILIES, SENIORS, AND FAMILIES WITH LOW INCOMES. 1. ROC-NH PROVIDES LOANS, ALONG WITH EDUCATIONAL AND TECHNICAL ASSISTANCE, TO BUILD LONG-TERM VALUE AND SECURITY FOR RESIDENTS OF N.H.'S MANUFACTURED-HOME COMMUNITIES BY HELPING THEM PURCHASE, MANAGE, AND IMPROVE THEIR COMMUNITIES AS COOPERATIVE CORPORATIONS. AS OF JUNE 30, 2025, 152 RESIDENT-OWNED COMMUNITIES IN N.H. WERE HOME TO 9,238 (PRIMARILY LOW-INCOME) HOUSEHOLDS. DURING FISCAL YEAR 2025, THE COMMUNITY LOAN FUND MADE 16 LOANS TOTALING NEARLY $17.2 MILLION. IN DOING SO, IT PRESERVED 189 HOUSING UNITS AND PROVIDED 18,151 HOURS OF TECHNICAL ASSISTANCE TO RESIDENT-OWNED COMMUNITIES. 2. BECAUSE THEY ARE RELATIVELY AFFORDABLE AND AVAILABLE IN RURAL COMMUNITIES, MANUFACTURED HOMES ARE, FOR SOME N.H. FAMILIES, THE BEST HOUSING OPTION. THEY ALSO PROVIDE AN AFFORDABLE OPTION FOR OLDER PEOPLE WHO ARE DOWNSIZING, YOUNG FAMILIES WHO ARE FIRST-TIME HOMEBUYERS AND ADULTS WITH PHYSICAL AND MENTAL CHALLENGES WHO WISH TO LIVE INDEPENDENTLY. THE COMMUNITY LOAN FUND'S WELCOME HOME LOANS PROVIDE REAL FIXED-RATE MORTGAGE PRODUCTS FOR BUYERS OF MANUFACTURED HOMES WHO OWN THE LAND THE HOUSE WILL OCCUPY, OR WHO HAVE SECURED THE LAND THROUGH COOPERATIVE OWNERSHIP. THE GREAT MAJORITY OF THESE BUYERS DON'T HAVE ACCESS TO CONVENTIONAL MORTGAGE LOANS OR LACK THE SAVINGS FOR DOWN PAYMENT AND CLOSING COSTS. BY MAKING 2,190 WELCOME HOME LOANS TOTALING MORE THAN $117.4MILLION SINCE 2002, WE HAVE PROVEN THAT THESE HOMEBUYERS ARE BETTER-THAN-AVERAGE RISKS AS BORROWERS, WITH A CUMULATIVE LOSS RATE OF JUST 2.60%. DURING FY2025, WELCOME HOME LOANS PROVIDED $11.2 MILLION IN FINANCING TO 91 BORROWERS. INCLUDED IN THAT NUMBER ARE 41 HOMEOWNER ASSISTANCE LOANS TO HELP BUYERS WITH LOW INCOMES COVER CLOSING COSTS FOR NEW HOMES, OR PURCHASE EXISTING HOMES. IN 2009, OUR WELCOME (THEN CALLED COOPERATIVE) HOME LOANS EARNED THE COMMUNITY LOAN FUND THE HIGHEST HONOR GIVEN TO COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS: THE NEXT AWARD FOR OPPORTUNITY FINANCE. THE PROGRAM'S STRONG PERFORMANCE HAS ALSO ATTRACTED OTHER CONVENTIONAL RESIDENTIAL LENDERS, INCLUDING USDA, NH HOUSING FINANCE AUTHORITY AND FANNIE MAE, TO THIS EMERGING MARKET. 3. THE MULTI-FAMILY HOUSING PROGRAM PROVIDES LOANS AND TECHNICAL ASSISTANCE TO NONPROFIT HOUSING DEVELOPMENT ORGANIZATIONS, WITH THE GOALS OF EXPANDING N.H.'S SUPPLY OF INCREASINGLY SCARCE AFFORDABLE HOUSING AND KEEPING IT PERMANENTLY AFFORDABLE. SINCE 1989, THE COMMUNITY LOAN FUND HAS MADE 191 LOANS TOTALING NEARLY $36 MILLION, RESULTING IN THE CREATION OR PRESERVATION OF 1,978 AFFORDABLE APARTMENTS VALUED AT OVER $301.2 MILLION. MULTI-FAMILY HOUSING HAS ALSO HELPED CREATE AND NURTURE A NOW-MATURE NETWORK OF NONPROFIT DEVELOPERS, WHILE ASSISTING COMMUNITY GROUPS TACKLING THEIR FIRST PROJECTS, TO CREATE CAPACITY IN ONE OF THE LEAST-AFFORDABLE STATES IN THE NATION. FORM 990, PART III, LINE 4B: THE COMMUNITY LOAN FUND IS ROOTED IN TWO BELIEFS: 1. ONE OF THE BARRIERS THAT KEEPS PEOPLE WITH LOW INCOMES FROM ACHIEVING GREATER SELF-SUFFICIENCY IS A LACK OF ACCESS TO CREDIT. 2. PEOPLE AND ORGANIZATIONS THAT HAVE OR MANAGE FINANCIAL RESOURCES ARE WILLING TO HELP THEIR NEIGHBORS WHEN THEY HAVE A TRUSTED MECHANISM TO DO SO. THE PHILANTHROPY PROGRAM WORKS ON THE SECOND PART OF THAT EQUATION. WE SEEK TO MAKE OUR INVESTMENTS OPPORTUNITIES A CONDUIT THROUGH WHICH PEOPLE, ORGANIZATIONS, FOUNDATIONS, AND CORPORATIONS SAFELY AND SECURELY INVEST IN N.H.'S PEOPLE AND COMMUNITIES. THE COMMUNITY LOAN FUND IS A RARITY AMONG COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS IN ACCEPTING INVESTMENTS IN THE FORM OF UNSECURED LOANS FROM PRIVATE INDIVIDUALS, AS WELL AS FROM INSTITUTIONS LARGE AND SMALL. A ROBUST POOL OF NET ASSETS HELPS THE COMMUNITY LOAN FUND MAINTAIN A 100% REPAYMENT RECORD TO ITS INVESTORS. IT'S THE "SHOCK ABSORBER" THAT CUSHIONS THEIR MONEY AGAINST THE RARE BORROWER LOAN THAT ISN'T REPAID. INVESTMENTS IN THE COMMUNITY LOAN FUND RANGE FROM $1,000 TO $7.5 MILLION. THE PHILANTHROPY PROGRAM BROUGHT IN OVER $7.9 MILLION FROM 30 NEW INVESTMENTS IN FY2025, BRINGING THE NUMBER OF CURRENT INVESTORS TO 615. FORM 990, PART III, LINE 4C: THE COMMUNITY LOAN FUND OFFERS FINANCING FOR BUSINESSES RANGING FROM SELF-EMPLOYED ENTREPRENEURS TO HIGH-GROWTH, HIGH-MARGIN COMPANIES. SINCE 1984, OUR BUSINESS FINANCE PROGRAM HAS PROVIDED LOANS, INVESTMENTS, AND COACHING TO SUPPORT THE GROWTH AND RESILIENCE OF SMALL BUSINESSES AND THEIR ABILITY TO PROVIDE QUALITY JOBS. IN RECENT YEARS, WE'VE HAD A SPECIAL FOCUS ON HELPING FARM AND FOOD-RELATED COMPANIES AND ENTREPRENEURS WITHOUT ACCESS TO CONVENTIONAL FINANCING GROW AND THRIVE. SINCE 1996, OUR BUSINESS FINANCE TEAM HAS MADE 810 LOANS AND INVESTMENTS AND LOANS, TOTALING OVER $52 MILLION AND PRESERVING OR CREATING 2,948 JOBS. IN FY 2025, OUR BUSINESS FINANCE TEAM PROVIDED 26 LOANS TOTALING MORE THAN $3.8 MILLION, CREATING OR PRESERVING 73 JOBS. FORM 990, PART VI, SECTION A, LINE 4 THE ORGANIZATION AMENDED ITS BYLAWS DURING FISCAL YEAR 2025. ON JANUARY 30, 2025, THE BOARD OF DIRECTORS VOTED AND UNANIMOUSLY APPROVED DISBANDING THE PHILANTHROPY COMMITTEE, OPTING TO HAVE POLICIES WHICH FELL UNDER THEIR PURVIEW BE APPROVED BY THE FULL BOARD OF DIRECTORS GOING FORWARD. ON MAY 29, 2025, THE BOARD OF DIRECTORS VOTED AND UNANIMOUSLY APPROVED REMOVING LANGUAGE PERTAINING TO BOARD MEMBER COMPENSATION AND MEETING CADENCE. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY STAFF AND THE AUDIT FIRM. BEFORE FILING WITH THE IRS, A DRAFT OF THE COMPLETED FORM 990 IS PROVIDED TO ALL MEMBERS OF THE BOARD OF DIRECTORS AND IS REVIEWED IN DETAIL BY THE FINANCE COMMITTEE WITH QUESTIONS ADDRESSED AND RESOLVED BY THE AUDIT FIRM. THE FINANCE COMMITTEE VOTES TO ACCEPT THE FORM 990, AND MINUTES OF THE COMMITTEE MEETING ARE PRODUCED TO DOCUMENT THE REVIEW AND THE VOTE. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION REQUIRES EMPLOYEES AND BOARD MEMBERS TO COMPLETE ANNUAL CONFLICT OF INTEREST SURVEYS. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION DATA REGARDING THE TWO TOP EXECUTIVE POSITIONS WAS GATHERED NATIONALLY, REGIONALLY AND LOCALLY. A COMMITTEE OF THE BOARD OF DIRECTORS REVIEWED THE COMPENSATION WITH ASSISTANCE FROM THE HUMAN RESOURCES MANAGER. AFTER A REVIEW OF THE DATA AND DISCUSSION BY THE BOARD COMMITTEE, IT WAS DETERMINED THAT BOTH POSITIONS ARE IN A REASONABLE RANGE WITH THE DATA REVIEWED AND THAT THE COMPENSATION FOR THE TWO POSITIONS IS APPROPRIATE. COPIES OF COMPARABILITY DATA ANALYSIS ARE ON FILE AND RECORDS OF THE BOARD COMMITTEE DELIBERATIONS ARE DOCUMENTED. FORM 990, PART VI, SECTION C, LINE 19 THE COMMUNITY LOAN FUND'S FORM 990, YEAR-END AUDITED FINANCIAL STATEMENTS AND ANNUAL REPORTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST AND ARE POSTED ON THE ORGANIZATION'S WEBSITE FOR PUBLIC INSPECTION. BYLAWS AND CONFLICT OF INTEREST POLICIES ARE ALSO AVAILABLE TO THE PUBLIC UPON REQUEST. THIS IS STATED ON THE ORGANIZATION'S WEBSITE. FORM 990, PART XII, LINE 2C: THE COMMUNITY LOAN FUND'S AUDIT COMMITTEE ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF INDEPENDENT ACCOUNTANTS. THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. FORM 990, PART IV, LINE 26 AND PART VI-A, LINE 1B: THE COMMUNITY LOAN FUND'S BYLAWS REQUIRE THE BOARD OF DIRECTORS TO INCLUDE REPRESENTATIVES OF BORROWER ORGANIZATIONS AND INVESTORS AMONG ITS MEMBERSHIP. DONATIONS AND INVESTMENTS ARE ACCEPTED FROM EMPLOYEES, FROM INDIVIDUAL BOARD MEMBERS, OR FROM ORGANIZATIONS OF WHICH CURRENT AND FORMER MEMBERS ARE SIGNIFICANT EMPLOYEES OR BOARD MEMBERS. ALL TRANSACTION DECISIONS FOLLOW STANDARD POLICIES AND PROCEDURES INCLUDING THOSE COVERING CONFLICT OF INTEREST. THE TRANSACTIONS ARE PART OF THE COMMUNITY LOAN FUND'S NORMAL COURSE OF BUSINESS AND ARE OPEN TO THE PUBLIC AT LARGE. TWO BOARD MEMBERS AND SIX EMPLOYEES HAVE PROVIDED INVESTMENTS OR HAVE FAMILY MEMBERS WHO HAVE PROVIDED INVESTMENTS TOTALING $2,000 AND $92,064 RESPECTIVELY, TO THE COMMUNITY LOAN FUND AS OF JUNE 30, 2025. CALEDONIA COMMUNITY LOAN FUND HOLDINGS LLC 7 WALL STREET CONCORD NH 03301 TO HOLD TWO PARCELS OF INDUSTRIAL LAND TO BE TRANSFERRED TO NHCLF IN FY25 VT 0 0 NEW HAMPSHIRE COMMUNITY LOAN FUND INC HOUSING AFFORDABILITY PARTNERSHIP LLC 7 WALL STREET CONCORD NH 03301 934422741 PARTNER WITH NH NONPROFIT AFFORDABLE HOUSING DEVELOPERS UTILIZING THE LIHTC NH 0 898 NEW HAMPSHIRE COMMUNITY LOAN FUND INC