Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 01-0571960

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 10, 2014

Organization ProfileWWW.URBANEDGE.ORG
1542 Columbus Avenue Suite 202119

(617) 541-2565

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

85th percentile

0.60x

Higher debt load relative to assets than 85% of similar nonprofits.

2013 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2013

Liabilities / Revenue

74th percentile

0.22x

Higher debt load relative to revenue than 74% of similar nonprofits.

2013 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2013

Net Margin

9th percentile

-31%

Higher net margin than 9% of similar nonprofits.

2013 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

1st percentile

-65%

Faster asset growth than 1% of similar nonprofits.

2013 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2012 to 2013

Revenue Growth

54th percentile

6.4%

Faster revenue growth than 54% of similar nonprofits.

2013 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2010 to 2013

Balance Sheet
Liabilities / Assets85th percentile

Assets

Down

$197,877

Down $368,472 (-65%) from 2012

Net Assets

Up

$79,163

Up $71,786 (+973%) from 2012

Liabilities

Down

$118,714

Down $440,258 (-79%) from 2012

Revenue And Expenses
Liabilities / Revenue74th percentileNet Margin9th percentile

Revenue

$531,060

No earlier filing loaded for comparison.

Expenses

Up

$697,719

Up $1,203 (+0.2%) from 2012

Net Income

-$166,659

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth1st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.0M$500K$0-$500KAssets 2010: $204,963Liabilities 2010: $325,675Net Assets 2010: -$120,7122010Assets 2011: $666,417Liabilities 2011: $784,483Net Assets 2011: -$118,0662011Assets 2012: $566,349Liabilities 2012: $558,972Net Assets 2012: $7,3772012Assets 2013: $197,877Liabilities 2013: $118,714Net Assets 2013: $79,1632013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2013

Assets$197,877
Liabilities$118,714
Net Assets$79,163
Open 2013 Filing

Operations Trend

Revenue Growth54th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.0M$500K$0-$500KRevenue 2010: $440,779Expenses 2010: $594,317Net Income 2010: -$153,5382010Expenses 2011: $445,9242011Expenses 2012: $696,5162012Revenue 2013: $531,060Expenses 2013: $697,719Net Income 2013: -$166,6592013Revenue 2014: $490,727Expenses 2014: $437,547Net Income 2014: $53,1802014

Highlighted filing

2013

Revenue$531,060
Expenses$697,719
Net Income-$166,659
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 10, 2014
Return Version
2013v3.0
Gross Receipts
$531,060
Mission and Program Overview

Mission

To provide investment capital and loans to local businesses and rehabilitation and deleading loans to residential homeowners.

To provide investment capital and loans to local businesses and rehabiliation and deleading loans to residential homeowners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$11,293$117,345▲ $106,052
Other Notes and Loans Receivable, Net$438,605$34,558▼ $404,047
Land, Buildings, and Equipment, Net$763$0▼ $763
Total Assets$566,349$197,877▼ $368,472
Other Assets Total$115,688$45,974▼ $69,714
Liabilities
Other Liabilities$431,894$100,000▼ $331,894
Unsecured Notes Loans Payable$60,000$0▼ $60,000
Accounts Payable and Accrued Expenses$67,078$18,714▼ $48,364
Total Liabilities$558,972$118,714▼ $440,258
Net Assets / Fund Balance
Unrestricted Net Assets$-68,301$65,136▲ $133,437
Permanently Rstr Net Assets$50,000$0▼ $50,000
Temporarily Rstr Net Assets$25,678$14,027▼ $11,651
Total Net Assets Fund Balance$7,377$79,163▲ $71,786
Total Liabilities and Net Assets / Fund Balance$566,349$197,877▼ $368,472

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$23,139$23,139
Other Assets Org$45,974--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeOtherTotal
Salvatore BoscoChief Financial OfficerFT$123,825$123,825
Keven Spillane JrConsultantFT$110,250$110,250

Board Members and Trustees

NameTitle
Tom DavisChair
Chrystal KornegayPresident and CEO
Anne MckinnonVice-chair
Karen RoystonVice-chair
Eddie JenkinsAssistant Clerk
Alison HaightAssistant Treasurer
Johanna SmithClerk
Andrew SobersMember
Benjamin FormanMember
Beryl HarrisMember
Brika EklundMember
Bruce EhrlichMember
Darlene AtkinsMember
Diane StaffordMember
Donovan MontroseMember
Elizabeth RelerfordMember
Genie CurryMember
Jacqueline Cummings FurtadoMember
Jeff FairbanksMember
Natacha DunkerMember
Nathan ZielonkaMember
Noemi MercadoMember
Susan CurryMember
Teresa RodriguezMember
Viki BokMember
Willie JonesMember
Darryl PeltonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$481,835
Program Service Revenue
$49,225
Investment Income
$0
Other Revenue
$0
All Other Contributions
$109,674
Change in Net Assets
$-166,659
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$697,719
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$567,512--$567,512
Office Expenses$74,766--$74,766
Occupancy$14,577--$14,577
Interest$12,997--$12,997
Advertising$6,029--$6,029
Insurance$4,720--$4,720
Other Expenses$1,592--$1,592
Depreciation Depletion$763--$763
Travel$486--$486
Total Functional Expenses$697,719$0$0$697,719
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Affiliates$100,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11

“The 990 is reviewed by the director of finance and controller and a copy is provided to the board of directors before it is filed.”

Form 990, Part VI, Section B, Line 12C

“Management obtains annual signed conflict of interest statements from the board of directors.”

Form 990, Part VI, Section B, Line 15

“Management compensation is determined by the board of directors.”

Form 990, Part VI, Section C, Line 19

“Governing documents and financial statements are available upon request.”

Filing and Contact Details

Filer

EIN
01-0571960
Phone
6175412565

Signing Officer

Name
Chrystal Kornegay
Title
President and CEO
Phone
6175412565
Signed
2014-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Chrystal Kornegay
Formed
2001
Legal Domicile
Ma
Voting Board Members
26
Independent Board Members
26
Employees
0
Volunteers
0

Preparer

Preparer
Thomas Washburn CPA
Phone
5083669100
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Consulting fees: program service expenses 567,512. Management and general expenses 0. Fundraising expenses 0. Total expenses 567,512.”

FORM 990, PART XI, LINE 9:

“Net assets transfer 238,445.”

Form 990, Part XII, Line 2C

“The audit oversight has not changed from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“For the year ended december 31, 2013, housing corp. And affiliates follow the accounting for uncertainty in income taxes standard which requires housing corp. And affiliates to report uncertain tax positions, related interest and penalties, and to adjust its assets and liabilities related to unrecognized tax benefits and accrued interest and penalties accordingly. As of december 31, 2013, housing corporation's and affiliates determined that there are no material unrecognized tax benefits to report. Housing corp. And affiliates file income tax and information returns in the united states federal and massachusetts state jurisdictions. These returns are generally subject to examination by tax authorities for the last three years.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE-CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2ASSISTANT CLERK
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE-CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt12CLERK
IRS990/Form990PartVIISectionAGrp/TitleTxt13MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt16MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt17ASSISTANT TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt18MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt19MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt20MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt21MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt22MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt23MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt24MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt25MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt26PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt27CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt28CONSULTANT
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IRS990/FSAuditedInd01
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IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt026
IRS990/GovernmentGrantsAmt0272593
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0531060
IRS990/GroupReturnForAffiliatesInd00
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IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/ProgramServicesAmt04720
IRS990/InsuranceGrp/TotalAmt04720
IRS990/InterestGrp/ProgramServicesAmt012997
IRS990/InterestGrp/TotalAmt012997
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt023139
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0763
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IRS990/LandBldgEquipCostOrOtherBssAmt023139
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE INVESTMENT CAPITAL AND LOANS TO LOCAL BUSINESSES AND REHABILITATION AND DELEADING LOANS TO RESIDENTIAL HOMEOWNERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt079163
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt014577
IRS990/OccupancyGrp/TotalAmt014577
IRS990/OfficeExpensesGrp/ProgramServicesAmt074766
IRS990/OfficeExpensesGrp/TotalAmt074766
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt045974
IRS990/OtherChangesInNetAssetsAmt0238445
IRS990/OtherExpensesGrp/Desc0MISCELLANEOUS
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IRS990/OtherExpensesGrp/Desc2DUES AND SUBSCRIPTIONS
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IRS990/PYInvestmentIncomeAmt00
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IRS990/PYOtherRevenueAmt057163
IRS990/PYProgramServiceRevenueAmt020131
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IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt0696516
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0368823
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-166659
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt049225
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0291529
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0135453
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IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.94560

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$197,877
Liabilities
$118,714
Net assets
$79,163
Revenue
$531,060
Expenses
$697,719
Net income
-$166,659
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$4.91$4.38$0.53
2013Detailed filing. Detailed filing data is available for this year.$1.98$1.19$0.79$5.31$6.98$1.67
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.66$5.59$0.07$6.97
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.66$7.84$1.18$4.46
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.05$3.26$1.21$4.41$5.94$1.54