Civic Intelligence

Evernorth Loan Fund Inc

EIN 03-0315075 • 501(c)3 • Burlington, VT

View Organization Page

Profile

The mission of evernorth loan fund is to produce permanently affordable housing and enable investments in economic and community development to benefit vermonters through partnerships with communities and the private sector.

100 Bank Street Suite 400Burlington, VT 05401

www.evernorthus.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

43rd percentile

0.16x

Higher debt load relative to assets than 43% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

63rd percentile

0.46x

Higher debt load relative to revenue than 63% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Net Margin

98th percentile

93%

Higher net margin than 98% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

62nd percentile

$314,477

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 3.2% of source-year revenue.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Asset Growth

95th percentile

64%

Faster asset growth than 95% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

99th percentile

713%

Faster revenue growth than 99% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$28,141,496

Up $10,929,926 (+64%) from 2023

Liabilities

Up

$4,436,816

Up $1,953,214 (+79%) from 2023

Net Assets

Up

$23,704,680

Up $8,976,712 (+61%) from 2023

Operations
Liabilities / Revenue63rd percentileNet Margin98th percentile

Revenue

Up

$9,692,413

Up $8,500,639 (+713%) from 2023

Expenses

Up

$715,701

Up $138,309 (+24%) from 2023

Net Income

Up

$8,976,712

Up $8,362,330 (+1361%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $8,821,813Liabilities 2010: $3,049,580Net Assets 2010: $5,772,2332010Assets 2011: $9,528,518Liabilities 2011: $3,384,873Net Assets 2011: $6,143,6452011Assets 2012: $8,980,526Liabilities 2012: $2,425,680Net Assets 2012: $6,554,8462012Assets 2013: $8,554,864Liabilities 2013: $1,495,377Net Assets 2013: $7,059,4872013Assets 2014: $7,653,624Liabilities 2014: $231,460Net Assets 2014: $7,422,1642014Assets 2015: $8,784,977Liabilities 2015: $283,636Net Assets 2015: $8,501,3412015Assets 2016: $11,193,878Liabilities 2016: $341,457Net Assets 2016: $10,852,4212016Assets 2017: $11,861,612Liabilities 2017: $554,449Net Assets 2017: $11,307,1632017Assets 2018: $12,477,630Liabilities 2018: $561,423Net Assets 2018: $11,916,2072018Assets 2019: $13,169,394Liabilities 2019: $582,861Net Assets 2019: $12,586,5332019Assets 2020: $14,824,024Liabilities 2020: $2,911,993Net Assets 2020: $11,912,0312020Assets 2021: $15,343,531Liabilities 2021: $2,502,077Net Assets 2021: $12,841,4542021Assets 2022: $16,980,601Liabilities 2022: $2,867,015Net Assets 2022: $14,113,5862022Assets 2023: $17,211,570Liabilities 2023: $2,483,602Net Assets 2023: $14,727,9682023Assets 2024: $28,141,496Liabilities 2024: $4,436,816Net Assets 2024: $23,704,6802024

Highlighted filing

2024

Assets$28,141,496
Liabilities$4,436,816
Net Assets$23,704,680
Open 2024 Filing

Operations Trend

Revenue Growth99th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$10M$5.0M$0-$5.0MExpenses 2010: $4,629,9662010Revenue 2011: $4,030,561Expenses 2011: $3,659,149Net Income 2011: $371,4122011Expenses 2012: $5,484,0682012Revenue 2013: $4,095,618Expenses 2013: $3,590,980Net Income 2013: $504,6382013Revenue 2014: $5,294,575Expenses 2014: $4,931,895Net Income 2014: $362,6802014Revenue 2015: $4,848,201Expenses 2015: $3,769,025Net Income 2015: $1,079,1762015Revenue 2016: $7,269,326Expenses 2016: $4,918,246Net Income 2016: $2,351,0802016Revenue 2017: $5,230,232Expenses 2017: $4,775,490Net Income 2017: $454,7422017Revenue 2018: $5,348,378Expenses 2018: $4,739,333Net Income 2018: $609,0452018Revenue 2019: $6,602,759Expenses 2019: $5,932,433Net Income 2019: $670,3262019Revenue 2020: $4,290,249Expenses 2020: $4,964,751Net Income 2020: -$674,5022020Revenue 2021: $1,936,135Expenses 2021: $1,006,712Net Income 2021: $929,4232021Revenue 2022: $1,512,409Expenses 2022: $740,477Net Income 2022: $771,9322022Revenue 2023: $1,191,774Expenses 2023: $577,392Net Income 2023: $614,3822023Revenue 2024: $9,692,413Expenses 2024: $715,701Net Income 2024: $8,976,7122024

Highlighted filing

2024

Revenue$9,692,413
Expenses$715,701
Net Income$8,976,712
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$28,141,496
Liabilities
$4,436,816
Net assets
$23,704,680
Revenue
$9,692,413
Expenses
$715,701
Net income
$8,976,712
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.1$4.44$23.7$9.69$0.72$8.98
2023Detailed filing. Detailed filing data is available for this year.$17.2$2.48$14.7$1.19$0.58$0.61
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.0$2.87$14.1$1.51$0.74$0.77
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.3$2.50$12.8$1.94$1.01$0.93
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.8$2.91$11.9$4.29$4.96$0.67
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.2$0.58$12.6$6.60$5.93$0.67
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.5$0.56$11.9$5.35$4.74$0.61
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.9$0.55$11.3$5.23$4.78$0.45
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.2$0.34$10.9$7.27$4.92$2.35
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.78$0.28$8.50$4.85$3.77$1.08
2014Detailed filing. Detailed filing data is available for this year.$7.65$0.23$7.42$5.29$4.93$0.36
2013Detailed filing. Detailed filing data is available for this year.$8.55$1.50$7.06$4.10$3.59$0.50
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.98$2.43$6.55$5.48
2011Summary only. Only limited summary data is available for this year.$9.53$3.38$6.14$4.03$3.66$0.37
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.82$3.05$5.77$4.63
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 5, 2025
Return Version
2024v5.2
Gross Receipts
$9,692,413
Mission and Program Overview

Mission

The mission of housing vermont is to produce permanently affordable housing and enable investments in economic and community development to benefit vermonters through partnerships with communities and the private sector.

The mission of evernorth loan fund is to produce permanently affordable housing and enable investments in economic and community development to benefit vermonters through partnerships with communities and the private sector.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$462,443$10,768,727▲ $10,306,284
Other Notes and Loans Receivable, Net$9,333,351$10,059,166▲ $725,815
Investments Program Related$6,108,147$6,103,321▼ $4,826
Cash and Non-Interest-Bearing Accounts$1,228,931$1,092,807▼ $136,124
Total Assets$17,211,570$28,141,496▲ $10,929,926
Other Assets Total$78,698$117,475▲ $38,777
Liabilities
Mortgage Notes Payable Secured by Investment Property$1,000,000$3,745,001▲ $2,745,001
Other Liabilities$1,483,602$631,182▼ $852,420
Accounts Payable and Accrued Expenses-$60,633-
Total Liabilities$2,483,602$4,436,816▲ $1,953,214
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$14,727,968$15,823,982▲ $1,096,014
Net Assets With Donor Restrictions-$7,880,698-
Total Net Assets Fund Balance$14,727,968$23,704,680▲ $8,976,712
Total Liabilities and Net Assets / Fund Balance$17,211,570$28,141,496▲ $10,929,926

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$6,103,321--
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleOtherTotal
Sherrin VailVP Asset Management & Portfolio Initiatives$217,909$217,909
Julia MorganDirector of Community Investment Risk Management$160,807$160,807
Amy DohnerProject Management$147,726$147,726
David GravesController$137,208$137,208

Board Members and Trustees

NameTitle
Charlie BakerChair
Nancy OwensPresident
Kara SweeneyVice Chair
Amy DemetrowitzBoard Member
Andrew WinterBoard Member
Anna Adachi-mejiaBoard Member
Chris MillerBoard Member
Dave BirkhahnBoard Member
John VogelBoard Member
Kelly LaflammeBoard Member
Michael ClarkeBoard Member
Mike AnthonyBoard Member
Walt GreinerBoard Member
Marc LandryBoard Member (end 8/31/24)
Michael SpragueDirector of Asset Management
Paul OttosonDirector of Capital Management
Julia MorganDirector of Community Investment Ris
Karyn HaleAsst Treasurer
William Eric SchmittCOO
Cynthia LacasseExecutive VP & CPO
Cullen RyanSecretary
Janet SpitlerTreasurer (end 12/31/24)
Sherrin VailVP Asset Management & Portfolio Init
Elizabeth Wagner-boutinVP Community Investments
Jennifer OgdenVP Hr & Org. Development
Kathy BeyerVP Real Estate
Revenue and Support

Revenue Composition

Contributions and Grants
$9,250,000
Program Service Revenue
$56,250
Investment Income
$385,974
Other Revenue
$189
All Other Contributions
$9,250,000
Change in Net Assets
$8,976,712

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,692,413
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$9,692,413
Total Revenue per Form 990
$9,692,413
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$715,701
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
Other Expenses$81,097--$81,097
Total Functional Expenses$715,701$0$0$715,701

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$715,701
Total Expenses per Audited Statements$715,701
Total Expenses per Form 990$715,701
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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 Evernorth Inc.$631,182
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
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 A, Line 6

“See explanation for line 7a.”

Form 990, Part VI, Section A, Line 7A

“A person or legal entity may be a member of housing vermont upon payment of the annual membership fee. Members have certain voting rights. Membership fees are used to further the mission of housing vermont.”

Form 990, Part VI, Section A, Line 8B

“No such other committees.”

Form 990, Part VI, Section B, Line 11B

“Senior management will review and present to the finance committee who will approve.”

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

“Management collects and reviews conflict of interest disclosures.”

Form 990, Part VI, Section B, Line 15

“Compensation is reviewed and approved by the appropriate senior staff and board of directors.”

Form 990, Part VI, Section C, Line 19

“Available in hard copy at the evernorth loan fund office.”

Filing and Contact Details

Filer

Filer Name
Evernorth Loan Fund Inc
EIN
03-0315075
Phone
8028638424
Address
100 BANK STREET SUITE 400, BURLINGTON, VT 05401

Signing Officer

Name
Rich Grogan
Title
Treasurer
Phone
8028638424
Signed
2025-11-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rich Grogan
Formed
1988
Legal Domicile
Vt
Voting Board Members
14
Independent Board Members
14
Employees
0
Volunteers
0

Preparer

Firm
Mcsoley Mccoy & Co
Address
118 TILLEY DRIVE STE 202, SOUTH BURLINGTON, VT 05403
Preparer
Connie Fellion
Phone
8026581808
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“Fasb asc 740, income taxes, requires entities to disclose in their financial statements the nature of any uncertainty in their tax positions. For tax-exempt entities, tax-exempt status itself is deemed to be an uncertainty, as events could potentially occur to jeopardize their tax-exempt status. Management believes we have no uncertain tax positions. We anticipate that we will not have a change in uncertain tax positions during the next twelve months that would have a material impact on our consolidated financial statements. If necessary, we would accrue interest and penalties on uncertain tax positions as a component of the provision for income taxes. We believe we are no longer subject to income tax examinations for years prior to 2021 for elf.”

Raw XML AppendixShowing 400 of 3,393 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE MISSION OF EVERNORTH LOAN FUND IS TO PRODUCE PERMANENTLY AFFORDABLE HOUSING AND ENABLE INVESTMENTS IN ECONOMIC AND COMMUNITY DEVELOPMENT TO BENEFIT VERMONTERS THROUGH PARTNERSHIPS WITH COMMUNITIES AND THE PRIVATE SECTOR.
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IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt09250000
IRS990/CYGrantsAndSimilarPaidAmt00
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