Evernorth Loan Fund Inc.

990 • Fiscal year 2014 • EIN 03-0315075

Jan 01, 2014 to Dec 31, 2014 • Filed on Sep 09, 2015

Organization Profile WWW.HVT.ORG

123 St Paul StreetBurlington, VT 05401-8411

(802) 863-8424

Siviq Scores

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

0.03x

Higher debt load relative to assets than 24% of similar nonprofits.

2014 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2014

0.04x

Higher debt load relative to revenue than 19% of similar nonprofits.

2014 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2014

6.9%

Higher net margin than 62% of similar nonprofits.

2014 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2014

$157,499

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

2014 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2014

-11%

Faster asset growth than 9% of similar nonprofits.

2014 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2013 to 2014

29%

Faster revenue growth than 83% of similar nonprofits.

2014 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Balance Sheet

Liabilities / Assets24th percentile

Assets

Down

$7,653,624

Down $901,240 (-11%) from 2013

Net Assets

$7,422,164

Up $362,677 (+5.1%) from 2013

Liabilities

Down

$231,460

Down $1,263,917 (-85%) from 2013

Revenue And Expenses

Liabilities / Revenue19th percentile Net Margin62nd percentile

Revenue

$5,294,575

Up $1,198,957 (+29%) from 2013

Expenses

$4,931,895

Up $1,340,915 (+37%) from 2013

Net Income

Down

$362,680

Down $141,958 (-28%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth9th percentile

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

Highlighted filing

2014

Assets$7,653,624

Liabilities$231,460

Net Assets$7,422,164

Open 2014 Filing

Operations Trend

Revenue Growth83rd percentile

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

Highlighted filing

2014

Revenue$5,294,575

Expenses$4,931,895

Net Income$362,680

Open 2014 Filing

Jump To

Filing Snapshot

Filing Period: Jan 1, 2014 to Dec 31, 2014
Signed: Sep 9, 2015
Return Version: 2014v5.0
Gross Receipts: $5,334,669

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.

Balance Sheet Detail

Line	Beginning	End	Change
Assets
Other Notes and Loans Receivable, Net	$3,891,675	$3,041,276	▼ $850,399
Accounts Receivable	$1,823,250	$1,516,737	▼ $306,513
Investments Program Related	$377,065	$338,333	▼ $38,732
Savings and Temporary Cash Investments	$314,638	$302,712	▼ $11,926
Cash and Non-Interest-Bearing Accounts	$100,808	$249,687	▲ $148,879
Land, Buildings, and Equipment, Net	$113,187	$111,613	▼ $1,574
Prepaid Expenses and Deferred Charges	$49,638	$53,200	▲ $3,562
Total Assets	$8,554,864	$7,653,624	▼ $901,240
Other Assets Total	$1,884,603	$2,040,066	▲ $155,463
Liabilities
Mortgage Notes Payable Secured by Investment Property	$1,250,000	$0	▼ $1,250,000
Accounts Payable and Accrued Expenses	$239,572	$227,128	▼ $12,444
Deferred Revenue	$5,805	$4,332	▼ $1,473
Total Liabilities	$1,495,377	$231,460	▼ $1,263,917
Net Assets / Fund Balance
Unrestricted Net Assets	$7,059,487	$7,422,164	▲ $362,677
Total Net Assets Fund Balance	$7,059,487	$7,422,164	▲ $362,677
Total Liabilities and Net Assets / Fund Balance	$8,554,864	$7,653,624	▼ $901,240

Asset Categories

Asset	Book Value	Depreciation	Basis
Equipment	$75,565	$79,231	$154,796
Leasehold Improvements	$36,048	$106,464	$142,512
Other Assets Org	$2,040,066	-	-

Compensation and Service Providers

Top Officer Pay66th percentile

Employees

Name	Title	Full / Part Time	Base	Other	Total
Nancy Owens	President	FT	$140,063	$17,436	$157,499
Glen Von Bernewit	Treasurer	FT	$109,283	$16,546	$125,829
Kenn Sassorossi	VP - Asset Management	FT	$93,069	$12,482	$105,551
Kathy Beyer	VP - Development	FT	$98,833	$5,930	$104,763

Board Members and Trustees

Name	Title
Janet Spitler	Chair
Marc Landry	Chair
John Vogel	Vice Chair
Chip Hart	Assistant Treasurer
Amy Demetrowitz	Member
Betsy Ide	Member
Charlie Baker	Member
David Tucker	Member
Molly Lambert	Member
Steve Marsh	Member

Revenue and Support

Revenue Composition

Contributions and Grants: $36,620
Program Service Revenue: $5,162,585
Investment Income: $95,299
Other Revenue: $71
Change in Net Assets: $362,680

Audited Revenue Reconciliation

Revenue per Audited Statements: $5,294,576
Revenue Not Reported on Financial Statements: $0
Revenue Not Reported on Form 990: $-1,573,575
Total Revenue per Audited Statements: $3,721,001
Total Revenue per Form 990: $5,294,576

Expenses and Functional Allocation

Major Expense Lines

Line Item	Amount
Other Expenses	$2,736,258
Salaries, Compensation, and Employee Benefits	$2,195,637
Grants and Similar Amounts Paid	$0
Professional Fundraising Fees	$0
Total Fundraising Expense	$0

Functional Expense Allocation

Line Item	Program	Management	Fundraising	Total
Other Salaries and Wages	$1,000,883	$190,644	-	$1,191,527
Current Officers, Directors, Trustees, and Key Employees	$308,013	$133,235	-	$441,248
Other Employee Benefits	$289,001	$55,048	-	$344,049
All Other Expenses	$239,076	$22,711	-	$261,787
Fees for Services Management	$173,888	$33,121	-	$207,009
Occupancy	$110,043	$20,960	-	$131,003
Payroll Taxes	$103,488	$19,712	-	$123,200
Pension Plan Contributions	$80,315	$15,298	-	$95,613
Interest	$52,911	$10,078	-	$62,989
Information Technology	$48,087	$9,160	-	$57,247
Fees for Services Accounting	$32,772	$6,242	-	$39,014
Office Expenses	$32,364	$6,165	-	$38,529
Travel	$30,894	$5,885	-	$36,779
Conferences and Meetings	$30,851	$5,876	-	$36,727
Depreciation Depletion	$22,617	$4,308	-	$26,925
Other Expenses	$22,395	$4,266	-	$26,661
Advertising	$18,745	$3,571	-	$22,316
Fees for Services Legal	$16,035	$3,054	-	$19,089
Total Functional Expenses	$4,382,561	$549,334	$0	$4,931,895

Audited Expense Reconciliation

Line Item	Amount
Expenses per Audited Statements	$4,931,896
Total Expenses per Form 990	$4,931,896
Total Expenses per Audited Statements	$3,358,321
Expenses Not Reported on Financial Statements	$0
Expenses Not Reported on Form 990	$-1,573,575

Fundraising, Events, and Gaming

Fundraising activities: No
Gaming activities: No
Professional fundraiser used: No

Fundraising and Gaming Totals

Line Item	Amount
Professional Fundraising Fees	$0

Political and Lobbying Activity

Political campaign activity: No
Lobbying activity: Yes
Subject to proxy tax: No

Related Organizations and Partnerships

Related Tax-Exempt Organizations

Organization	Location	Activity	Code	Public Charity	Controlled
Hv Nonprofit	Burlington, VT	Promote Affordable Housing	501(c)(3)	Line 11a, I	No

Related Partnerships and Joint Ventures

Organization	Location	Activity	Income	Assets	Ownership	Managing Partner
1 Vrv 2008 LLC	Burlington, VT	Promote Affordable Housing	-	-	0.01%	Yes
10 Vrv 2008 LLC	Burlington, VT	Promote Affordable Housing	-	-	0.01%	Yes
11 Vrv 2008 LLC	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
1306 Spring St Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.05%	Yes
2 Vrv 2008 LLC	Burlington, VT	Promote Affordable Housing	-	-	0.01%	Yes
3 Vrv 2008 LLC	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
4 Vrv 2008 LLC	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
5 Vrv 2008 LLC	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
6 Vrv 2008 LLC	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
65 State Street Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.45%	Yes
7 Vrv 2008 LLC	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
8 Vrv 2008 LLC	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
9 Vrv 2008 LLC	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
Addison Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	5%	Yes
Alburgh Family Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Algiers Family Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Anderson I Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
Anderson Ii Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
Applegate Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Archibald St Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
Arlington Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Arthurs Main Street Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Arthurs Main Street Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Avenue Apartments Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.01%	Yes
Aw Richards Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Baileybaldwinbarre Hlp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Baldwin Block Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Bellows Falls Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Bemis Block Hsg Ltd Pship	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Black River Hsg Ltd Pship	Burlington, VT	Promote Affordable Housing	-	-	0.45%	Yes
Blake Commons Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Bobbin Mill Limited Partnership	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Branchwood Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Brhip Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	5%	Yes
Briars Housing Limited Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Brookside Apartments Lp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Bus Barns Allocated Hlp	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
Bus Barns Bond Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
Butler House Limited Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Callahan Hsg Ltdpshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Canal Street Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Cedars Edge Apartments Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.45%	Yes
Cherry Street Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Cht Home Office LLC	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
City Neighborhood Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Community Capital Housing Vermont Fund 1 Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
Community Capital Housing Vermont Fund 2 Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
Creekview Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Crystal Lake Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Dewitt Drive Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Dorset Community Hlp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Eastern Township Hlp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Echo Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Ellis Block Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Exner Block Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Falls Housing Limited Partnership	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Franklin Carriage House Lp	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
Grand Isle Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Green Mountain Housing Equity Fund Vi Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
Green Mtn Hsg Equity Fund 2003 Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.01%	Yes
Green Mtn Hsg Equity Fund Ii Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.01%	Yes
Green Mtn Hsg Equity Fund Iii Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.01%	Yes
Green Mtn Hsg Equity Fund Iv Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.01%	Yes
Green Mtn Hsg Equity Fund V Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.01%	Yes
Green Mtn Seminary Hlp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Groton Commercial Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.45%	Yes
Groton Hsg Ltd Partnership	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Hardwick Hsg Pshp	Burlington, VT	Promote Affordable Housing	-	-	50%	Yes
Harrington Village Lp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Hedding Drive Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Hickory Street Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.90%	Yes
Highgate Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Highland Hill Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Holy Cross Snr Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Housing Pv I LLC	Burlington, VT	Promote Affordable Housing	-	-	50%	Yes
Howard Block Commercial Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Howard Block Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Jeffersonville Allocd Hlp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Jeffersonville Bond Hlp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Johnson Community Hlp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
King Street Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Ladd Hall Limited Partnership	Burlington, VT	Promote Affordable Housing	-	-	0.45%	Yes
Lakeview Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Lamoille View Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Lime Kiln Allocated Hlp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Lime Kiln Bond Hlp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Linden Terrace Hlp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Maple Street Housing Lp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Maple Tree Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Mcauley Sq Allocated Hlp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Mcauley Square Bond Hlp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Middlebury South Hlp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Mill Brook Allocated Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.90%	Yes
Mill Brook Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Mill View Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Missisquoi Manor Hlp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Morrisville Community Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.45%	Yes
Morrisville Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Mountainview St Jay Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Newport Family Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
North Bennington Arts Hlp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
North Branch Apts Limited Partnership	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
North Pleasant Housing 2 Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.45%	Yes
O'DELL ALLOCATED HLP	Burlington, VT	Promote Affordable Housing	-	-	0.01%	Yes
O'DELL BOND HSG LTD PSHP	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
One Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	50%	Yes
Overlook Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Park Place Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Passumpsic Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Peacham Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Pearl-union Sro Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Pine Manor Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Pine Street Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Pleasant Street Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Portland & Main Hlp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Proctorsville Green Hlp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Queensbury Rd Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Rail City Family Housing Lp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Richford Community Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Richmond Village Hsg	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
River Station Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.45%	Yes
Roaring Branch Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	1%	Yes
Rose Street Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	5%	Yes
Round Barn Hsg Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Ruggles House Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Rutland Community Housing 1 Lp	Burlington, VT	Promote Affordable Housing	-	-	50%	Yes
Rutland Rehab Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Safford Commons Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.45%	Yes
Salmon Run Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Saxtons River Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Shelburne Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Smallest City Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Smith Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Southview Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.05%	Yes
Stimson and Graves Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Stone Hill Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.05%	Yes
Swanton School Hlp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Sylvan Woods Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Tuttle Block Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Upper Story Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Vergennes Housing Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Vermont Investor Fund Iii LLC	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Waits River Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Wall Street Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Waterfront Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.45%	Yes
Waugh Opera House Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Wells River Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
West River Valley Assisted Lp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
West River Valley Supportive Lp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Westgate Allocated Hlp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Westgate Bond Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.50%	Yes
Wharf Lane Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.45%	Yes
Wheeler Brook Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Whitcomb Terrace Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Whitcomb Wood Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Wilder Block Hsg Ltd Pshp	Burlington, VT	Promote Affordable Housing	-	-	0.05%	Yes
Willard Mill Hlp	Burlington, VT	Promote Affordable Housing	-	-	2.50%	Yes
Winchester Associates	Burlington, VT	Promote Affordable Housing	-	-	0.10%	Yes

Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant: No
Annual disclosure for covered persons: Yes
Audit committee: Yes
Backup withholding compliance: 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: No
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 11

“Senior management will review and present to the executive committee of the board of directiors 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 housing vermont office.”

Filing and Contact Details

Filer

Filer Name: Housing Vermont
EIN: 03-0315075
Phone: 8028638424
Address: 123 ST PAUL STREET, BURLINGTON, VT 05401-8411

Signing Officer

Name: Janet Spitler
Title: Chief Financial Officer
Phone: 8028638424
Signed: 2015-09-09
Discuss with paid preparer: Yes

Organization Details

Principal Officer: Janet Spitler
Formed: 1988
Legal Domicile: Vt
Voting Board Members: 11
Independent Board Members: 11
Employees: 21
Volunteers: 0

Preparer

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

Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“ROUNDING -3.”

Financial Statement Notes

PART X, LINE 2:

“The organization qualifies as a tax-exempt organization under section 501(c)(3) of the internal revenue code and is exempt from income taxes under section 501(a) of the internal revenue code. In addition, they have been classified as an organization that is not a private foundation under section 509(a)(1) of the internal revenue code. Contributions to the organization qualify for the charitable contribution deduction under internal revenue code section 170(b)(1)(a). 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 the organization has no uncertain tax positions. The organization anticipates that it will not have a change in uncertain tax positions during the next twelve months that would have a material impact on their consolidated financial statements. If necessary, the organization would accrue interest and penalties on uncertain tax positions as a component of the provision for income taxes. Management believes the organization is no longer subject to income tax examinations for years prior to 2010.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Impairment loss on investments -1,573,575.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Impairment loss on investments -1,573,575.”

Raw XML AppendixShowing 400 of 3,217 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.

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IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt	0	73042
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt	0	98653
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt	0	598055
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt	0	2695844
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt	0	2411795
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt	0	2623795
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt	0	2699564
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt	0	2575037
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt	0	13006035
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt	0	135393
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt	0	129677
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt	0	161290
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt	0	73042
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt	0	98653
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt	0	598055
IRS990ScheduleA/InvestmentIncomeCYPct	0	0.03850
IRS990ScheduleA/InvestmentIncomePYPct	0	0.04510
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearAmt	0	71
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus1YearAmt	0	1676
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus2YearsAmt	0	2996
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus3YearsAmt	0	2062
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus4YearsAmt	0	11877
IRS990ScheduleA/OtherIncome509Grp/TotalAmt	0	18682
IRS990ScheduleA/PubliclySupportedOrg509a2Ind	0	X
IRS990ScheduleA/PublicSupportCY509Pct	0	0.61640
IRS990ScheduleA/PublicSupportPY509Pct	0	0.58920
IRS990ScheduleA/PublicSupportTotal509Amt	0	9580300
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt	0	1063484
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt	0	953709
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt	0	929848
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt	0	1035385
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt	0	1361970
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt	0	5344396
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearAmt	0	1063484
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus1YearAmt	0	953709
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus2YearsAmt	0	929848
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus3YearsAmt	0	1035385
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus4YearsAmt	0	1361970
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt	0	5344396
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind	0	X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt	0	2732144
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt	0	2532095
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt	0	3763589

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing

Assets: $7,653,624
Liabilities: $231,460
Net assets: $7,422,164
Revenue: $5,294,575
Expenses: $4,931,895
Net income: $362,680

	Balance Sheet			Operations
Year	Assets	Liabilities	Net Assets	Revenue	Expenses	Net 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