We Are On a Mission
Once you see a problem like financial scarcity, you can’t “un-see” it. It is everywhere you look, and unless we stand up with a bold mission to fight back, it is never going to get solved.
We believe that employers are the key to sustainable and scalable community impact.
Our “WHY” is to help organizations and individuals meet the needs of people in their community.
Our “Mission” is to partner with employers to empower A.L.I.C.E. (Asset Limited Income Constrained Employed) individuals towards financial security.

Employees
Help your employees cover cash flow needs and emergency expenses all while they build emergency savings.

Members / Customers
Your members and customers financial well-being is more often than not connected to your organization’s success.

Community
At the end of the day, we all want to live in a thriving community. Help others in your city achieve financial well-being.
“Communities” Are Everywhere
When most people think of communities, they are thinking of their geographic cities. However, cities are made up of individual organizations that are driven by people.
The Community Impact Fund’s vision that everyone has a path to financial freedom, is a belief that if enough organizations in one geographic location collectively impact the financial well-being of their own communities, then we will eventually see entire cities prosper.
We believe that if we collectively seek the peace and prosperity of our employees, customers and members, our organizations will prosper, and if our organizations prosper, so will the city.
The key to Prospering “Communities” is financial freedom for all.

Non-Profits
- Schools
- Social Service
- Churches
- Hospitals
- Faith Based
- Agencies

Business
- Tech Companies
- Manufacturing
- Financial Services
- Healthcare
- Hospitality
- Real Estate

Cities
- Towns
- Counties
- Government
- School Districts
- Police
- Fire
Our Core Values
We hold strongly to a unique set of core values that guides our team in everything we do. These are not just words on the wall…this is us!
The Oath for Compassionate Service
The Oath for Compassionate Service is an ethical code we follow as we work to create prospering “communities” worldwide.
It is loosely modeled after the Hippocratic Oath and derived from Toxic Charity, Robert D. Lupton.
Never do for those in need what they can (or could have) the capacity to do for themselves.
Limit one-way giving to emergency situations.
Strive to empower those in need through employment, lending, and investing, using grants sparingly to reinforce achievements.
Subordinate self-interest to the needs of those being served.
Listen closely to those you seek to help, especially to what is not being said – unspoken feelings may contain essential clues to effective service.
Above all, do no harm!
Our Story
Seeking the Peace and Prosperity of Cities
Judah Musick, the founder and Executive Director of CIF, has been working on building sustainable and scalable solutions for Community Impact since 2005. His passion for change and innovation sparked a city-wide initiative for his hometown of Portland, Oregon. The initiative was so impactful, he realized he had to keep looking ahead to solve for financial scarcity in every community. 15 years of serving others, researching solutions, and innovating technology, he built what is now known as The Community Impact Fund to prosper “communities” worldwide. To learn more, read Our Story.

Mike Scheid
Executive Director
Bio
Mike is a passionate leader focused on “doing good by doing well” in business. Before joining CIF in January of 2021, he owned Share Good Foods, which was successfully sold, and led the development of SGF, a Do Good Things social enterprise. He also worked to drive impact and growth through his leadership at Swoovy®, a platform fueling volunteerism, social connections, and a wraparound support system for nonprofits.
Miscellaneous Facts:
- Colorado Native
- Avid Outdoorsman who loves to camp, hike, ski, fly fish
- Married to his wife of over 25 year who he met as a freshman in HS, She was a senior and not interested.
- Father to three girls
- On the Board of B:CIVIC a Colorado Nonprofit working to help further business as a force for good.
Previous Roles:
EVP, Social Impact & Partnerships at Swoovy
Director of Technology at Cherry Hills Christian Schools
VP Operations at Rewind Technology
Owner and VP of Do Good things at Share Good Foods

Courtney Lussenhop
Vice President of Impact
Bio
As VP of Impact, Courtney is dedicated to ensuring that CIF’s Impact Loan Program is best-in-class. She has witnessed firsthand the profound ripple effect a hand-up can have. With a wealth of experience in both the for-profit and nonprofit sectors, Courtney brings expertise in business development, strategic planning, fundraising, and employee engagement.
In addition to her day job, Courtney is passionate about empowering women as a member of the Junior League of Fort Collins and an honorary trustee of The Women’s Foundation of Colorado. She speaks on topics such as employee engagement and leadership presence, serving as a personal stylist and image consultant through her business, Inside Out Style. Additionally, she is co-authoring The Intimacy of Choice, set to be published in Fall 2025, and launching a podcast series titled Wit, Wisdom, and Wonder.
As an Air Force “brat,” she grew up primarily in the Southeast and Germany but has called Colorado home since 2005. She now resides in Fort Collins, CO, with her husband, young daughter, and two dogs.

Karen Davis
Benevolence Loan Administration & Financial Manager
Bio
Karen has over 15 years of administration, financial and operations management experience with emphasis on organization, communication and customer service. While serving as the Business Administrator at her local church, her gifts of hospitality and service were of value as she formed trustworthy relationships with families providing assistance with budget preparation and financial planning. Karen worked effectively with a team to oversee the benevolence budget and overall goal to meet the needs of others within her community.
Karen is married with 3 children and resides in Deatsville, Alabama just north of Montgomery. A short weekend trip to the beach is her favorite! In her free time, she loves cleaning, decorating, spending time with family, enjoys cooking and trying new recipes.

Shanita Perdomo
Partnership Experience Manager
Bio
Shanita Perdomo is a dedicated nonprofit professional with over 12 years of experience in program delivery and case management. Her work has always centered on aligning mission-driven goals with the tangible resources clients actually receive to ensure services are not just promised, but delivered with dignity and impact.
In her role as Partner Experience Manager, Shanita brings that same energy to make sure our partners have the tools, resources, and encouragement needed to share the power of the Impact Loan and financial education with their employees and program participants.
Shanita is based in Bergen County, New Jersey, where she lives with her husband, two children
Previous Roles:Senior Partnership Manager at SuitUpDirector of Housing and Social Services at Several Sources SheltersDirector of Housing and Youth Services at Children’s Aid and Family Services

Kelly Calton
Controller
Bio
I am the Controller at CIF, keeping track of the ins and outs of all of the dollars and cents. We strive to maximize all donation dollars to create the highest impact to meet the ongoing needs in your community.
After living in Denver, Colorado for 15 years, my two elementary aged boys and I moved to Kansas City in 2017 to be closer to family. We love spending time outside, mountain biking, and hanging out with neighbors and friends on hot, humid summer nights.

Becci Melson
Technical Projects Manager
Bio
Becci is a project manager with 10+ years of experience supporting technical teams, including recent roles at Microsoft and Airbnb. She earned a BA in Marketing from Virginia Commonwealth University and holds multiple Scrum/Agile certifications. Outside of work, she loves being outdoors, skiing, and spending time with her dog, Honey, and partner, John.

Patience Calderon
Benevolence Loan Administrator
Bio
Patience is a seasoned operations leader with more than 20 years of banking experience, including 12 years managing Loan Operations teams. She specializes in strengthening customer experience, improving workflow efficiency, and building processes that support both accuracy and service. Patience is known for her steady leadership, clear communication, and has a knack for simplifying operational challenges, so the work flows better. Patience volunteers with her church’s homeless outreach ministries and enjoys spending time with seniors in assisted living facilities. She is a married mom of three — AJ (30), Ellie (28), and Aaden (14), and shares her home with four energetic mini goldendoodles. In her downtime, she loves crafting, working with plants, and spending time outdoors.

Maggie Stohler
Financial Education & Member Care Coordinator
Bio
Maggie brings over 11 years of experience in customer service and management to her role. Known for empowering others through proactive problem-solving and high-touch support, she has built a career centered on service excellence, drawing from a diverse professional background in property management and loan servicing.
A graduate of Warner University with a degree in Social Work, Maggie brings a unique, person-centered perspective to the world of financial wellness. This foundation allows her to navigate complex member needs with both expert efficiency and genuine care.
Outside of her professional life, Maggie is an avid reader and runner. She resides in the Midwest with her husband of 20 years and their five children, and she finds her greatest joy in spending quality time with her family.

Judah Musick
Founder
Bio
Judah is an entrepreneurial leader who specializes in lean product development. His passion is solving real-world problems with talented web and mobile development teams and lean startup methodologies. He has built successful software projects inside large Fortune 500 companies, SMB’s and for numerous startups.
He is the Founder of The Community Impact Fund.
Currently, Judah is the Director of Financial Wellness at CBC Credit Union working to develop the next generation of employee Financial Wellness program that makes saving easy, automated and incentivized for all.
Previous Roles:
Prior to founding CIF, he was the Chief Innovation Officer at Red Rocks Credit Union and led their innovation roadmap in order to bring the Credit Union’s mission to life which is to encourage, enable and underwrite the hopes, dreams and aspirations of our members to have maximum impact.
He lives in Castle Pines Colorado and enjoys spending time outdoors with his wife Shanna and two young children and can be found fishing, flying, snowboarding, skiing, hiking or biking.

Matt King
Bio
Known for his strategic, collaborative approach, Matt’s career encompasses a unique blend of technical and business acumen and a history of success in developing innovative solutions to drive efficiency, performance, cost savings and profitability. He is adept in building strong cross functional relationships, directing high performance teams and bridging communication across diverse populations. His financial management experience includes managing projects and operations in fortune 100 and small business organizations.
In addition to his “for pay” jobs, Matt has spent many years serving his local and broader communities helping lead various non-profits, including as Chief Hope Provider for his own.

Tad Jones
Bio
Tad has been on the Community Impact Fund Board since its inception. He has worked in large corporate environments and has applied those experiences and disciplines while owning and operating an Oil and Gas Service company that operates across the US, with his wife. He has served on various non-profit and for-profit boards over the years. Working towards enabling people to live charitable, generous lives and helping others is what has drawn Tad to the board of CIF.

Brandon Melton
Bio
Brandon is a servant leader, a connector and an entrepreneur that helped drive the original idea of the Community Impact Fund with his neighborhood friend and founder Judah Musick and returned to serve on the board in 2021.
Brandon brings enthusiasm and mission focus to the organization and continues to shape the organization’s strategic vision and desire to create lasting impacts on the lives of those it serves. In his role he actively engages with various stakeholders, from donors to community leaders, sharing the vision and fostering participation and collaboration.
Beyond his board commitments, Brandon is a well respected businessman with a diverse background but commonly known for his empathy and ability to build meaningful relationships and inspire those around him to be the best version of themselves.
Brandon, his wife, and two daughters are Colorado natives and very active in their Douglas County community through schools, church and recreation. Their family delights in adventuring and serving together throughout God’s creation ranging from community development in East Africa to pursuing their goal of camping in every US National Park in less than 5 years.

Will Goodale
Bio
Will has been on the board of Community Impact Fund since January 2021, he has served multifamily and 501c3 organizations in leadership and client relations roles across technology and supplier services over the past decade. He currently works as the Market Director for Denver with Housing Connector in his “day job” to help people in vulnerable situations get access to housing and stabilize over long periods of time. CIF is dear to Will’s heart in providing opportunities to provide a hand up in supporting people’s financial needs and creating opportunities for financial education.
Will and his family live in Littleton, Colorado, south of Denver. They enjoy spending their free time outdoors, taking their 3-year-old to various parks in Denver, hiking year-round, camping, and biking. Even though they have a little more experience with après activities over snow sports, they love enjoying Colorado’s excellent winter.

Merry Pateuk
Bio
As SVP, Industry Engagement at the nation’s leading Credit Union Service provider, Merry Pateuk fulfills PSCU’s strategic objective of leveraging the cooperative’s scale to advocate on behalf of the credit union industry. She cultivates relationships between PSCU and local, state and national organizations that support credit unions and works collaboratively with industry partners to ensure there is alignment on key topics and a cohesive voice to ultimately strengthen credit unions’ position in the market.
‘CIF’s focus on ‘doing good by doing well’ inspires me and is in total alignment with the credit union industry that seeks to balance its business and social missions for the good of the community. Providing a vehicle to help take care of the community is a win for all stakeholders.

Ryan Haley
Bio
Ryan Halley, Ph.D., CFP® is SVP of Financial Wellness at Rivermark Community Credit Union. He holds a doctorate in Personal Financial Planning from Texas Tech University and an MBA with a concentration in Finance from The Ohio State University. Ryan has his CERTIFIED FINANCIAL PLANNER™ certification. Dr. Halley is also a Professor of Finance and Financial Planning at George Fox University, where he directs a CFP® Board Registered Program located near Portland, Oregon. His primary interest areas are financial wellness measures, human factors associated with financial wellness, and financial planning services for non-traditional financial planning audiences.

Josh Allan Dykstra
Bio
Josh Allan Dykstra is a Future Of Work Keynote Speaker and the world’s foremost practitioner on Human Energy™. He’s spent the last two decades building five companies and working with some of the most iconic brands on earth, his clients having a combined employee count of over a million people. Josh is also an author, TEDx speaker, and Founder & CEO of The Work Revolution, where they fight for the future by fixing work.
From Josh on why he is on the CIF Board of Directores: “I grew up in an entrepreneurial, working middle class family in rural America, and looking back I can see that we were always on the edge of being A.L.I.C.E. — it’s a supremely stressful place to be, and many of our work and social structures aren’t helping to solve the core problems. The novel approach of CIF brings a novel solution, and I’m excited to help as many families as we can!”

Cedric Lipsey
Bio
Cedric is an award-winning business development leader with over 20 years of experience driving growth, forging strategic partnerships, and advancing financial equity. Passionate about closing wealth gaps, he has dedicated his career to reimagining financial systems that empower individuals and communities.
As the founder of Clusivi, Cedric is leading the charge in disrupting traditional credit-scoring models by standardizing and democratizing access to non-FICO credit. Through Clusivi, he is creating a more inclusive financial landscape, enabling underserved communities to access essential services without the burden of predatory lending.
Cedric’s expertise in strategic planning, financial oversight, and resource development aligns with the Community Impact Fund’s mission to drive lasting social impact. His leadership and commitment to economic inclusion make him a valuable asset in advancing the organization’s goals.



