Civic Intelligence

Berkshire Housing Development Corp

990 • Fiscal year 2020 • EIN 04-2483322

Jul 01, 2019 to Jun 30, 2020 • Filed on Oct 23, 2020

Organization ProfileN/A

View Organization Page

1 Fenn StreetPittsfield, MA 01201

(413) 499-1630

Siviq Scores

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

Liabilities / Assets

41st percentile

0.10x

Higher debt load relative to assets than 41% of similar nonprofits.

2020 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2020

Liabilities / Revenue

54th percentile

0.25x

Higher debt load relative to revenue than 54% of similar nonprofits.

2020 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2020

Net Margin

90th percentile

49%

Higher net margin than 90% of similar nonprofits.

2020 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2020

Top Officer Pay

66th percentile

$159,600

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 5.8% of source-year revenue.

2020 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2020

Asset Growth

78th percentile

25%

Faster asset growth than 78% of similar nonprofits.

2020 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2019 to 2020

Revenue Growth

87th percentile

48%

Faster revenue growth than 87% of similar nonprofits.

2020 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets41st percentile

Assets

Up

$6,689,987

Up $1,346,826 (+25%) from 2019

Net Assets

Up

$6,011,387

Up $1,346,377 (+29%) from 2019

Liabilities

Up

$678,600

Up $449 (+0.1%) from 2019

Revenue And Expenses
Liabilities / Revenue54th percentileNet Margin90th percentile

Revenue

Up

$2,746,025

Up $892,635 (+48%) from 2019

Expenses

Up

$1,399,648

Up $251,514 (+22%) from 2019

Net Income

Up

$1,346,377

Up $641,121 (+91%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth78th 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

2020

Assets$6,689,987
Liabilities$678,600
Net Assets$6,011,387
Open 2020 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

2020

Revenue$2,746,025
Expenses$1,399,648
Net Income$1,346,377
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2019 to Jun 30, 2020
Signed
Oct 23, 2020
Return Version
2019v5.0
Gross Receipts
$2,822,180
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

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 region.

Balance Sheet Detail
LineBeginningEndChange
Assets
Receivables From Officers Etc$3,146,743$3,299,807▲ $153,064
Accounts Receivable$1,105,011$2,319,916▲ $1,214,905
Cash and Non-Interest-Bearing Accounts$673,854$734,233▲ $60,379
Prepaid Expenses and Deferred Charges$14,107$38,964▲ $24,857
Land, Buildings, and Equipment, Net$34,403$36,720▲ $2,317
Investments Other Securities$5,000$5,000→ $0
Savings and Temporary Cash Investments-$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$5,343,161$6,689,987▲ $1,346,826
Other Assets Total$364,043$255,347▼ $108,696
Liabilities
Unsecured Notes Loans Payable$243,925$243,925→ $0
Other Liabilities$146,178$150,520▲ $4,342
Mortgage Notes Payable Secured by Investment Property$219,696$149,600▼ $70,096
Accounts Payable and Accrued Expenses$68,352$134,555▲ $66,203
Total Liabilities$678,151$678,600▲ $449
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$4,665,010$5,908,860▲ $1,243,850
Net Assets With Donor Restrictions-$102,527-
Total Net Assets Fund Balance$4,665,010$6,011,387▲ $1,346,377
Total Liabilities and Net Assets / Fund Balance$5,343,161$6,689,987▲ $1,346,826

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$29,389$10,623$40,012
Equipment$7,331$22,671$30,002
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Elton OgdenPresidentFT$159,600$159,600
Lisa WrightVice PresidentFT$115,979$115,979

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
$180,218
Program Service Revenue
$2,590,200
Investment Income
$5,844
Other Revenue
$-30,237
All Other Contributions
$9,000
Change in Net Assets
$1,346,377
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,053,861
Other Expenses$345,787
Total Fundraising Expense$32,915
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$280,801$257,920$13,374$552,095
Current Officers, Directors, Trustees, and Key Employees$140,161$128,738$6,680$275,579
Other Employee Benefits$63,662$58,468$3,042$125,172
Payroll Taxes$31,193$31,131$1,530$63,854
Occupancy$31,672$9,254$2,690$43,616
Office Expenses$30,724$8,323$2,566$41,613
Pension Plan Contributions$11,236$24,905$1,020$37,161
Fees for Services Accounting-$21,150-$21,150
Insurance$14,882$5,054$1,122$21,058
Other Expenses$1,472$8,682$141$10,295
Depreciation Depletion$5,426$1,357-$6,783
Interest-$4,878-$4,878
Conferences and Meetings-$1,002-$1,002
Fees for Services Legal-$128-$128
Total Functional Expenses$646,547$720,186$32,915$1,399,648
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$3,146,743$3,299,807▲ $153,064
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Salaries and Vacation$125,332
AP Reuse funds$19,648
Security Deposits Payable$3,507
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 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, 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 Corp
EIN
04-2483322
Phone
4134991630
Address
1 FENN STREET, PITTSFIELD, MA 01201

Signing Officer

Name
Elton Ogden
Title
President
Signed
2020-10-23
Discuss with paid preparer
Yes

Organization Details

Formed
1971
Legal Domicile
Ma
Voting Board Members
8
Independent Board Members
8
Employees
15

Preparer

Firm
Lombardi Clairmont & Keegan CPAs
Address
35 Pearl Street, Pittsfield, MA 01201
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 region.
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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.
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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.
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Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,689,987
Liabilities
$678,600
Net assets
$6,011,387
Revenue
$2,746,025
Expenses
$1,399,648
Net income
$1,346,377
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
2020Detailed filing. Detailed filing data is available for this year.$6.69$0.68$6.01$2.75$1.40$1.35
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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
Peer Organizations

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