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Community Loan Fund of New Jersey Inc

New Brunswick, New Jersey · EIN 22-2872262 · Community Improvement · tax-exempt since 1988

C

Charity Clarity grade C (score 59.9 of 100), based on the Form 990 for the year ended September 2025.

Graded against 2,883 community improvement nonprofits with revenue $10M–$50M filing the same form. A = top 10%, B = next 20%, C = middle 40%, D = next 20%, F = bottom 10%.

What goes into the grade

MeasureThis charityScore (0–100)
ReservesMonths of spending covered by unrestricted net assets.43.3 months31
GovernanceBoard independence, key policies and audit, per the 990.91% of practices91
Margin stabilityHow steady the surplus or deficit is year to year.11
Revenue spreadHow much revenue rests on one type of income.5% from one source85
Filing recordOn-time, complete filings, year after year.100%100
Program spendingSelf-reported by the filer.90.3%not scored
Management costsShare of spending.6.8%not scored
Cost to raise $1Fundraising cost per dollar given.$0.69not scored

Scores compare this charity with its peer group; 100 is best. How Charity Clarity rates charities.

Year by year

2016201720182019202020212022202320242025grey: revenue · green: spending
Year endedFormRevenueSpendingSurplusNet assetsMonths of spendingStaffGrade
Sep 2025Form 990$14.54M$19.29M−$4.75M$69.58M43.383C
Sep 2024Form 990$22.95M$21.24M$1.71M$74.70M42.275C
Sep 2023Form 990$19.08M$18.06M$1.02M$69.11M45.981C
Sep 2022Form 990$18.33M$16.94M$1.39M$69.01M48.998C
Sep 2021Form 990$22.05M$14.20M$7.84M$72.45M61.290C
Sep 2020Form 990$18.11M$14.37M$3.74M$61.69M51.588C
Sep 2019Form 990$13.23M$11.45M$1.78M$57.17M59.976C
Sep 2018Form 990$12.47M$10.34M$2.13M$54.86M63.767D
Sep 2017Form 990$20.01M$10.57M$9.45M$55.34M62.865C
Sep 2016Form 990$19.22M$9.23M$9.99M$45.72M59.458C

From the organisation’s own IRS filings. “Months of spending” is total net assets divided by a month of that year’s spending. A blank grade means that year was not rated.

Read the filings

Every figure here comes from the returns this charity filed with the IRS. These sites show the full returns and more about the organisation:

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