RENAISSANCE COMMUNITY LOAN FUND Charity Report

Public IRS 990 nonprofit record

RENAISSANCE COMMUNITY LOAN FUND

EIN 20-8181931 · Disaster Preparedness & Relief Services (M20)

What they do

to PROVIDE SUPPORT THROUGH TECHNICAL and FINANCIAL ASSISTANCE to FACILITATE THE DEVELOPMENT of COMMUNITIES WHICH PROVIDE SAFE, QUALITY HOUSING for THE WORKFORCE and SPECIAL NEED RESIDENTS of THE MISSISSIPPI GULF COAST and ECONOMIC OPPORTUNITIES THAT WILL ADD/RETAIN JOBS IN THE COMMUNITY or THAT CREATE ENTREPRENEURIAL OPPORTUNITIES.

Before you give

Should I give to this charity?

Easy charity check

Look at where the money went

Of every $100 spent, about $78.30 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2025The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders13 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

78.20%of revenue went to mission work78.3% of expenses · Program services

$99.81spent for every $100 of revenueRevenue covered expenses this year.

21.61%of revenue went to management and office costs21.7% of expenses

$11.14in assets for every $1 spent this yearSome assets cannot be spent right away.

27.3%of its money came from giftsOther money may come from services or investments.

Ask these three easy questions

Who did you help? Ask for a recent story or report that shows real results.
What will my money do? Ask exactly what your gift will pay for.
Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $266,240 for KIMBERLY LAROSA (PRESIDENT/CEO). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2025

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

$100revenue

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$7,477,242

Mission workProgram services$5,846,88178.20% of revenue78.3% of expenses

ManagementOffice and general costs$1,615,84521.61% of revenue21.7% of expenses

FundraisingAsking for donations0.00% of revenue0.0% of expenses

Revenue left after expensesReported annual surplus$14,5160.19% of revenueShown in gray on the chart

Total expenses$7,462,72699.81% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails

2025CurrentExpense mix: 78.3% mission · 21.7% management · 0.0% fundraisingTotal expenses: 99.81% of revenue

2024Expense mix: 86.6% mission · 13.4% management · 0.0% fundraisingTotal expenses: 96.77% of revenue

2023Expense mix: 53.7% mission · 46.3% management · 0.0% fundraisingTotal expenses: 93.49% of revenue

2022Expense mix: 53.3% mission · 46.7% management · 0.0% fundraisingTotal expenses: 58.73% of revenue

2021Expense mix: 58.3% mission · 41.7% management · 0.0% fundraisingTotal expenses: 89.19% of revenue

2020Expense mix: 58.6% mission · 41.4% management · 0.0% fundraisingTotal expenses: 90.44% of revenue

2019Expense mix: 58.2% mission · 41.8% management · 0.0% fundraisingTotal expenses: 84.51% of revenue

2018Expense mix: 75.6% mission · 24.4% management · 0.0% fundraisingTotal expenses: 89.76% of revenue

Money in and money out

Revenue$7,477,242

Expenses$7,462,726

Annual surplus $14,516 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$5,846,881 · 78.3% of expenses

Management and office costs$1,615,845 · 21.7% of expenses

See all reported dollar amounts

Revenue$7,477,242

Expenses$7,462,726

Assets$83,126,859

Income$7,477,242

Contributions$2,044,653

Mission work (program services)$5,846,881

Grants given$19,222

Average grant$6,407

Management and general$1,615,845

Executive compensation (total)$219,770

Stocks and bonds$229,200

Accounting fees$50,485

People

Leadership and board

Tax year 2025

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation

KIMBERLY LAROSAPRESIDENT/CEO · 40 hrs/week $266,240

CHARLES WALLCHIEF FIANACIAL OFFICER · 40 hrs/week $200,000

CAMILLE T SCHAFERDIRECTOR OF PROGRAMS · 40 hrs/week $145,000

JOHN MARLINDIRECTOR OF LENDING · 40 hrs/week $134,724

DENISE CARVERDIRECTOR OF MARKETING & AD · 40 hrs/week $130,600

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (13)

KIMBERLY LAROSAPRESIDENT/CEO

CHARLES WALLCHIEF FIANACIAL OFFICER

CAMILLE T SCHAFERDIRECTOR OF PROGRAMS

JOHN MARLINDIRECTOR OF LENDING

DENISE CARVERDIRECTOR OF MARKETING & AD

DAVE DENNISSECRETARY

DAVID NICHOLSVICE CHAIRMAN

DOROTHY SHAWCHAIRMAN

JONATHAN AUGUSTDIRECTOR

KAREN SOCKDIRECTOR

LAURA HASTYTREASURER

MICHELLE WHETTENDIRECTOR

ZELL LONGDIRECTOR

About this charity

Recognized since: January 2007
Location: 8917 LORRAINE RD, GULFPORT, MS 39503-4176
County: Harrison
In care of: KIMBERLY LAROSA
Primary officer: KIMBERLY LAROSA, PRESIDENT/CEO

How to reach them

WebsiteVisit the charity’s website Phone(228) 896-3386

Filing and classification

Latest tax year: 2025
Tax period began: January 1, 2025
Return type: 990
Tax preparer: PILTZ WILLIAMS LAROSA & CO
NTEE classification: Disaster Preparedness & Relief Services (M20)
IRS tax category: Disaster Preparedness & Relief Services
Grant-giving organization: Yes