Civic Intelligence

Berkshire Housing Development Corp

990 • Fiscal year 2019 • EIN 04-2483322

Jul 01, 2018 to Jun 30, 2019 • Filed on Sep 27, 2019

Organization ProfileN/A

View Organization Page

PO Box 1180Pittsfield, MA 01202

(413) 499-1630

Siviq Scores

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

Liabilities / Assets

47th percentile

0.13x

Higher debt load relative to assets than 47% of similar nonprofits.

2019 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2019

Liabilities / Revenue

67th percentile

0.37x

Higher debt load relative to revenue than 67% of similar nonprofits.

2019 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2019

Net Margin

87th percentile

38%

Higher net margin than 87% of similar nonprofits.

2019 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2019

Top Officer Pay

63rd percentile

$153,218

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 8.3% of source-year revenue.

2019 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2019

Asset Growth

65th percentile

8.3%

Faster asset growth than 65% of similar nonprofits.

2019 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2018 to 2019

Revenue Growth

87th percentile

41%

Faster revenue growth than 87% of similar nonprofits.

2019 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$5,343,161

Up $409,341 (+8.3%) from 2018

Net Assets

Up

$4,665,010

Up $705,256 (+18%) from 2018

Liabilities

Down

$678,151

Down $295,915 (-30%) from 2018

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin87th percentile

Revenue

Up

$1,853,390

Up $541,934 (+41%) from 2018

Expenses

Up

$1,148,134

Up $98,355 (+9.4%) from 2018

Net Income

Up

$705,256

Up $443,579 (+170%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth65th percentile

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

$10M$5.0M$0Assets 2015: $1,352,199Liabilities 2015: $585,734Net Assets 2015: $766,4652015Assets 2016: $1,550,460Liabilities 2016: $529,225Net Assets 2016: $1,021,2352016Assets 2017: $4,452,857Liabilities 2017: $754,780Net Assets 2017: $3,698,0772017Assets 2018: $4,933,820Liabilities 2018: $974,066Net Assets 2018: $3,959,7542018Assets 2019: $5,343,161Liabilities 2019: $678,151Net Assets 2019: $4,665,0102019Assets 2020: $6,689,987Liabilities 2020: $678,600Net Assets 2020: $6,011,3872020Assets 2021: $7,085,718Liabilities 2021: $484,020Net Assets 2021: $6,601,6982021Assets 2022: $8,403,585Liabilities 2022: $688,887Net Assets 2022: $7,714,6982022Assets 2023: $8,354,932Liabilities 2023: $721,147Net Assets 2023: $7,633,7852023Assets 2024: $8,274,911Liabilities 2024: $634,433Net Assets 2024: $7,640,4782024

Highlighted filing

2019

Assets$5,343,161
Liabilities$678,151
Net Assets$4,665,010
Open 2019 Filing

Operations Trend

Revenue Growth87th percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MRevenue 2015: $550,232Expenses 2015: $447,051Net Income 2015: $103,1812015Revenue 2016: $1,251,573Expenses 2016: $996,803Net Income 2016: $254,7702016Revenue 2017: $3,666,412Expenses 2017: $989,570Net Income 2017: $2,676,8422017Revenue 2018: $1,311,456Expenses 2018: $1,049,779Net Income 2018: $261,6772018Revenue 2019: $1,853,390Expenses 2019: $1,148,134Net Income 2019: $705,2562019Revenue 2020: $2,746,025Expenses 2020: $1,399,648Net Income 2020: $1,346,3772020Revenue 2021: $2,469,428Expenses 2021: $1,879,117Net Income 2021: $590,3112021Revenue 2022: $3,182,367Expenses 2022: $2,069,367Net Income 2022: $1,113,0002022Revenue 2023: $2,702,603Expenses 2023: $2,783,516Net Income 2023: -$80,9132023Revenue 2024: $3,744,372Expenses 2024: $3,487,679Net Income 2024: $256,6932024

Highlighted filing

2019

Revenue$1,853,390
Expenses$1,148,134
Net Income$705,256
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2018 to Jun 30, 2019
Signed
Sep 27, 2019
Return Version
2018v3.1
Gross Receipts
$1,925,999
Mission and Program Overview

Mission

Development and operation of housing and community development projects and programs that benefit low and moderate income people. Most significant current activities are developing affordable housing, administering the Section 8 HCV Program, administering housing assistance programs including RAFT, HomeBASE and Neighbor to Neighbor and operating the regionb

Balance Sheet Detail
LineBeginningEndChange
Assets
Receivables From Officers Etc$2,734,619$3,146,743▲ $412,124
Accounts Receivable$899,363$1,105,011▲ $205,648
Cash and Non-Interest-Bearing Accounts$304,334$673,854▲ $369,520
Land, Buildings, and Equipment, Net$358,351$34,403▼ $323,948
Savings and Temporary Cash Investments$24,296$0▼ $24,296
Prepaid Expenses and Deferred Charges$8,437$14,107▲ $5,670
Investments Other Securities$5,000$5,000→ $0
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$4,933,820$5,343,161▲ $409,341
Other Assets Total$599,420$364,043▼ $235,377
Liabilities
Unsecured Notes Loans Payable$243,925$243,925→ $0
Mortgage Notes Payable Secured by Investment Property$519,696$219,696▼ $300,000
Other Liabilities$133,469$146,178▲ $12,709
Accounts Payable and Accrued Expenses$76,976$68,352▼ $8,624
Total Liabilities$974,066$678,151▼ $295,915
Net Assets / Fund Balance
Unrestricted Net Assets$3,959,754$4,665,010▲ $705,256
Total Net Assets Fund Balance$3,959,754$4,665,010▲ $705,256
Total Liabilities and Net Assets / Fund Balance$4,933,820$5,343,161▲ $409,341

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$22,845$8,067$30,912
Equipment$11,558$18,444$30,002
Other Assets Org$7,914--
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Elton OgdenPresidentFT$153,218$153,218
Lisa WrightVice PresidentFT$106,621$106,621

Board Members and Trustees

NameTitle
Michael FerryChairman
Arthur MilanoVice Chair
Michael BarbieriBoard Member
Jackie McninchDirector
Jay SacchettiDirector
Paula LewisDirector
Andrew HochbergClerk
Steven OwensTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$496,021
Program Service Revenue
$1,378,775
Investment Income
$6,623
Other Revenue
$-28,029
All Other Contributions
$204,719
Change in Net Assets
$705,256
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$838,730
Other Expenses$309,404
Total Fundraising Expense$16,276
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$334,033$59,746$2,132$395,911
Current Officers, Directors, Trustees, and Key Employees$67,013$185,165$7,661$259,839
Other Employee Benefits$73,488$23,834$1,986$99,308
Payroll Taxes$31,277$18,368$734$50,379
Occupancy$14,818$28,462$1,138$44,418
Pension Plan Contributions$24,072$8,833$388$33,293
All Other Expenses$8,742$13,149$10$21,901
Fees for Services Accounting-$21,200-$21,200
Insurance$14,961$5,055$202$20,218
Office Expenses$15,135$3,817$150$19,102
Depreciation Depletion$6,296$1,574-$7,870
Other Expenses$6,186$1,547$125$7,733
Interest-$4,878-$4,878
Payment Travel Entrtnmnt Publicly Ofcl-$1,163-$1,163
Conferences and Meetings-$1,106-$1,106
Total Functional Expenses$612,227$519,631$16,276$1,148,134
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$2,734,619$3,146,743▲ $412,124
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Salaries and Vacation$105,750
Accrued Interest - CEDAC$19,240
AP Reuse funds$15,649
Security Deposits Payable$3,506
Accrued Bond Interest$2,033
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“The board of directors will review in detail the form 990 before the form is to be filed.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The CEO salary range was established by the board prior to filling the position. The range was based on a review of salaries of similar regional nonprofit housing organizations in the Mass Regional Housing Network.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“A salary study was performed by a board subcommittee and the HR administrator to establish salary ranges. The study used available National data adjusted for location and data collected from the other Regional Non Profits.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“They are available upon request.”

Filing and Contact Details

Filer

Filer Name
Berkshire Housing Development
EIN
04-2483322
Phone
4134991630
Address
PO BOX 1180, PITTSFIELD, MA 01202

Signing Officer

Name
Elton Ogden
Title
President
Phone
4134991630
Signed
2019-09-27
Discuss with paid preparer
Yes

Organization Details

Formed
1971
Legal Domicile
Ma
Voting Board Members
8
Independent Board Members
8
Employees
14

Preparer

Firm
Lombardi Clairmont & Keegan CPAs
Address
35 Pearl Street, Pittsfield, MA 01201-4718
Preparer
Barry J Clairmont
Phone
4134993733
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 4D: Other Program Services Description

“OTHER PROGRAM SERVICES 4: Berkshire Housing administers the Section 8 Housing Choice Voucher and Section 8 Mod Rehab rental assistance programs in Berkshire County under contract with DHCD. Section 8 rental vouchers provide rent subsidies to more than 570 low-income families who reside in privately owned housing throughout the County. The Section 8 Mod Rehab are Project Based rent subsidies attached to specific apartments located in privately owned buildings in Pittsfield, Massachusetts. OTHER PROGRAM SERVICES 5: OTHER PROGRAM SERVICES”

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IRS990/MissionDesc0Development and operation of housing and community development projects and programs that benefit low and moderate income people. Most significant current activities are developing affordable housing, administering the Section 8 HCV Program, administering housing assistance programs including RAFT, HomeBASE and Neighbor to Neighbor and operating the regionb
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IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
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IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt073488
IRS990/OtherEmployeeBenefitsGrp/TotalAmt099308
IRS990/OtherExpensesGrp/Desc0CONSULTING EXPENSE
IRS990/OtherExpensesGrp/Desc1DATA PROCESSING
IRS990/OtherExpensesGrp/Desc2Postage and Shipping
IRS990/OtherExpensesGrp/Desc3OFFICE MAINTENANCE
IRS990/OtherExpensesGrp/FundraisingAmt01750
IRS990/OtherExpensesGrp/FundraisingAmt1125
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0122164
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt117345
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt22225
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt31547
IRS990/OtherExpensesGrp/ProgramServicesAmt07432
IRS990/OtherExpensesGrp/ProgramServicesAmt18774
IRS990/OtherExpensesGrp/ProgramServicesAmt26186
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IRS990/OtherExpensesGrp/TotalAmt117345
IRS990/OtherExpensesGrp/TotalAmt211124
IRS990/OtherExpensesGrp/TotalAmt37733
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IRS990/OtherLiabilitiesGrp/EOYAmt0146178
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IRS990/OtherSalariesAndWagesGrp/FundraisingAmt02132
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt059746
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0334033
IRS990/OtherSalariesAndWagesGrp/TotalAmt0395911
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IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt0734
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt018368
IRS990/PayrollTaxesGrp/ProgramServicesAmt031277
IRS990/PayrollTaxesGrp/TotalAmt050379
IRS990/PensionPlanContributionsGrp/FundraisingAmt0388
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt08833
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt024072
IRS990/PensionPlanContributionsGrp/TotalAmt033293
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
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IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt08437
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt014107
IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01378775
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01378775
IRS990/ProgSrvcAccomActy2Grp/Desc0HCEC - The Housing Consumer Education Center serves as a single source of information, referrals and services for anyone with a housing related issue. Tenants, landlords, prospective buyers, and homeowners can access information designed to maximize housing stability, strengthen investments, and minimize disputes. Through our programs and supports, we strive to prevent homelessness, foster economic self-sufficiency, and ensure housing stability for everyone in the Berkshire County area.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0120734
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0227362
IRS990/ProgSrvcAccomActy3Grp/Desc0RAFT - Berkshire Housing contracts with the Commonwealth of Massachusetts to administer the Rental Assistance for Families in Transition program (RAFT). The program assists families who are homeless or at risk of homelessness by providing housing counseling and financial assistance. Almost 200 households each year remain housed or are assisted to obtain safe, affordable housing through RAFT.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt024960
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0155338
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0353661
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt07186
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt01163
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt01163
IRS990/PYOtherExpensesAmt0286650
IRS990/PYOtherRevenueAmt012426
IRS990/PYProgramServiceRevenueAmt0938183
IRS990/PYRevenuesLessExpensesAmt0261677
IRS990/PYSalariesCompEmpBnftPaidAmt0763129
IRS990/PYTotalExpensesAmt01049779
IRS990/PYTotalRevenueAmt01311456
IRS990/QuidProQuoContributionsInd0false
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IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt02734619
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt03146743
IRS990/ReconcilationRevenueExpnssAmt0705256
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0true
IRS990/RentalIncomeOrLossGrp/RealAmt0-28029
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0581244
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt024296
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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt02746040
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0246193
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt040340
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IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt014016
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt012742
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IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0902100
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0896739
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0981228
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0486160
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IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt06623
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt07186
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt015167
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt014016
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt012742
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt055734
IRS990ScheduleA/InvestmentIncomeCYPct00.00660
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IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus1YearAmt036084
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus2YearsAmt08466
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus3YearsAmt010135
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus4YearsAmt010990
IRS990ScheduleA/OtherIncome509Grp/TotalAmt037646
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Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,343,161
Liabilities
$678,151
Net assets
$4,665,010
Revenue
$1,853,390
Expenses
$1,148,134
Net income
$705,256
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$8.27$0.63$7.64$3.74$3.49$0.26
2023Detailed filing. Detailed filing data is available for this year.$8.35$0.72$7.63$2.70$2.78$0.08
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.40$0.69$7.71$3.18$2.07$1.11
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.09$0.48$6.60$2.47$1.88$0.59
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.69$0.68$6.01$2.75$1.40$1.35
2019Detailed filing. Detailed filing data is available for this year.$5.34$0.68$4.67$1.85$1.15$0.71
2018Detailed filing. Detailed filing data is available for this year.$4.93$0.97$3.96$1.31$1.05$0.26
2017Detailed filing. Detailed filing data is available for this year.$4.45$0.75$3.70$3.67$0.99$2.68
2016Summary only. Only limited summary data is available for this year.$1.55$0.53$1.02$1.25$1.00$0.25
2015Summary only. Only limited summary data is available for this year.$1.35$0.59$0.77$0.55$0.45$0.10