Civic Intelligence

Homeowners Options for Massachusetts Elders Inc

990 • Fiscal year 2015 • EIN 04-2931627

Jul 01, 2014 to Jun 30, 2015 • Filed on Feb 16, 2016

Organization ProfileN/A
87 Hale Street 2nd FloorLowell, MA 01851

(978) 970-0012

Siviq Scores

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

Liabilities / Assets

97th percentile

2.49x

Higher debt load relative to assets than 97% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Liabilities / Revenue

93rd percentile

0.56x

Higher debt load relative to revenue than 93% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Net Margin

29th percentile

-5.8%

Higher net margin than 29% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Top Officer Pay

96th percentile

$66,695

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 20.2% of source-year revenue.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Asset Growth

18th percentile

-23%

Faster asset growth than 18% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

18th percentile

-29%

Faster revenue growth than 18% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets97th percentile

Assets

Down

$74,712

Down $22,908 (-23%) from 2014

Net Assets

Down

-$111,342

Down $19,114 (-21%) from 2014

Liabilities

Down

$186,054

Down $3,794 (-2.0%) from 2014

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin29th percentile

Revenue

Down

$330,458

Down $132,521 (-29%) from 2014

Expenses

Down

$349,572

Down $161,253 (-32%) from 2014

Net Income

Up

-$19,114

Up $28,732 (+60%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth18th percentile

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

$300K$200K$100K$0-$100K-$200KAssets 2010: $61,060Liabilities 2010: $166,424Net Assets 2010: -$105,3642010Assets 2011: $51,622Liabilities 2011: $177,510Net Assets 2011: -$125,8882011Assets 2012: $72,837Liabilities 2012: $179,048Net Assets 2012: -$106,2112012Assets 2013: $119,663Liabilities 2013: $164,045Net Assets 2013: -$44,3822013Assets 2014: $97,620Liabilities 2014: $189,848Net Assets 2014: -$92,2282014Assets 2015: $74,712Liabilities 2015: $186,054Net Assets 2015: -$111,3422015Assets 2016: $141,342Liabilities 2016: $202,317Net Assets 2016: -$60,9752016Assets 2017: $108,563Liabilities 2017: $231,761Net Assets 2017: -$123,1982017Assets 2018: $141,321Liabilities 2018: $239,339Net Assets 2018: -$98,0182018Assets 2019: $161,188Liabilities 2019: $131,688Net Assets 2019: $29,5002019Assets 2020: $157,041Liabilities 2020: $114,436Net Assets 2020: $42,6052020Assets 2021: $174,067Liabilities 2021: $85,795Net Assets 2021: $88,2722021Assets 2022: $9,088Liabilities 2022: $0Net Assets 2022: $9,0882022Assets 2023: $3,197Liabilities 2023: $0Net Assets 2023: $3,1972023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2015

Assets$74,712
Liabilities$186,054
Net Assets-$111,342
Open 2015 Filing

Operations Trend

Revenue Growth18th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $498,8112010Expenses 2011: $401,5522011Expenses 2012: $342,1812012Revenue 2013: $474,687Expenses 2013: $412,858Net Income 2013: $61,8292013Revenue 2014: $462,979Expenses 2014: $510,825Net Income 2014: -$47,8462014Revenue 2015: $330,458Expenses 2015: $349,572Net Income 2015: -$19,1142015Revenue 2016: $355,514Expenses 2016: $274,387Net Income 2016: $81,1272016Revenue 2017: $285,273Expenses 2017: $347,496Net Income 2017: -$62,2232017Revenue 2018: $348,270Expenses 2018: $323,089Net Income 2018: $25,1812018Revenue 2019: $449,943Expenses 2019: $312,027Net Income 2019: $137,9162019Revenue 2020: $299,430Expenses 2020: $286,325Net Income 2020: $13,1052020Revenue 2021: $262,174Expenses 2021: $216,507Net Income 2021: $45,6672021Revenue 2022: $67,357Expenses 2022: $146,541Net Income 2022: -$79,1842022Revenue 2023: $2Expenses 2023: $5,893Net Income 2023: -$5,8912023Revenue 2024: $1Expenses 2024: $3,198Net Income 2024: -$3,1972024

Highlighted filing

2015

Revenue$330,458
Expenses$349,572
Net Income-$19,114
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2014 to Jun 30, 2015
Signed
Feb 16, 2016
Return Version
2014v6.0
Gross Receipts
$335,901
Mission and Program Overview

Mission

Providing counceling on financial, housing, and resource options to needy elders in massachusetts who wish to protect the equity in their homes.

Providing counselling on financial, housing, and resource options to needy elders in massachusetts who wish to protect the equity in their homes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$29,009$40,500▲ $11,491
Cash and Non-Interest-Bearing Accounts$64,535$31,019▼ $33,516
Land, Buildings, and Equipment, Net$2,350$1,410▼ $940
Prepaid Expenses and Deferred Charges$1,329$1,386▲ $57
Savings and Temporary Cash Investments$397$397→ $0
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$97,620$74,712▼ $22,908
Other Assets Total-$0-
Liabilities
Mortgage Notes Payable Secured by Investment Property$117,037$122,037▲ $5,000
Accounts Payable and Accrued Expenses$72,811$64,017▼ $8,794
Total Liabilities$189,848$186,054▼ $3,794
Net Assets / Fund Balance
Temporarily Rstr Net Assets-$30,760-
Unrestricted Net Assets$-92,228$-142,102▼ $49,874
Total Net Assets Fund Balance$-92,228$-111,342▼ $19,114
Total Liabilities and Net Assets / Fund Balance$97,620$74,712▼ $22,908

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,410$8,128$9,538
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Leonard RaymondCOOFT$52,607$14,088$66,695

Board Members and Trustees

NameTitle
Jon AugerPresident
David AndersonVice President
Andrew CalamareDirector
Chris NorrisDirector
James SullivanDirector
Marianne SullivanDirector
Robert MichelDirector
Don FrostClerk
Carl AllenTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$152,175
Program Service Revenue
$159,961
Investment Income
$0
Other Revenue
$18,322
All Other Contributions
$152,175
Change in Net Assets
$-19,114

Audited Revenue Reconciliation

Revenue per Audited Statements
$330,458
Revenue Not Reported on Form 990
$6,000
Total Revenue per Audited Statements
$336,458
Total Revenue per Form 990
$330,458
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$266,786
Other Expenses$82,786
Total Fundraising Expense$28,691
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$107,836$34,888$15,858$158,582
Current Officers, Directors, Trustees, and Key Employees$45,353$14,673$6,669$66,695
Other Employee Benefits$15,265$4,939$2,245$22,449
Payroll Taxes$12,961$4,193$1,906$19,060
Insurance$4,034$1,305$593$5,932
Interest-$4,335-$4,335
Travel$2,865$159$159$3,183
Occupancy$1,867$604$275$2,746
All Other Expenses$1,084$950$159$2,193
Other Expenses$851$275$125$1,251
Office Expenses$736$238$108$1,082
Depreciation Depletion-$940-$940
Total Functional Expenses$252,076$68,805$28,691$349,572

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$355,572
Expenses per Audited Statements$349,572
Total Expenses per Form 990$349,572
Expenses Not Reported on Form 990$6,000
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$23,765
Fundraising Direct Expenses$5,443
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Tournament$23,765$23,765$753$23,012
Total Events$23,765$23,765$5,443$18,322
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
No
Backup withholding compliance
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“Draft of form 990 provided to the organization and reviewed by the executive director and made available to the board members prior to filing.”

Form 990, Part VI, Line 18: Explanation of Other Means Forms Available For Public Inspection

“Audited financial statements and copy of form 990 are publically available on the commonwealth of massachusetts attorney generaral's charitable filings website. Governing documents, policies, and financial statements are also available on request.”

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

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Homeowners Options for Massachusetts
EIN
04-2931627
Phone
9789700012
Address
87 HALE STREET 2ND FLOOR, LOWELL, MA 01851

Signing Officer

Name
Leonard Raymond
Title
Executive Direc
Signed
2016-02-16
Discuss with paid preparer
Yes

Organization Details

Formed
1986
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
9
Employees
11

Preparer

Firm
Martin J Scafidi PC
Address
7 Essex Green Drive 66, Peabody, MA 01960
Preparer
Martin Scafidi CPA
Phone
9785381919
Raw XML AppendixShowing 400 of 510 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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IRS990/OtherExpensesGrp/FundraisingAmt1188
IRS990/OtherExpensesGrp/FundraisingAmt2125
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0893
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1413
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2275
IRS990/OtherExpensesGrp/ProgramServicesAmt055190
IRS990/OtherExpensesGrp/ProgramServicesAmt12759
IRS990/OtherExpensesGrp/ProgramServicesAmt21275
IRS990/OtherExpensesGrp/ProgramServicesAmt3851
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IRS990/OtherExpensesGrp/TotalAmt14058
IRS990/OtherExpensesGrp/TotalAmt21876
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IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0107836
IRS990/OtherSalariesAndWagesGrp/TotalAmt0158582
IRS990/OtherWebsiteInd0X
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IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt01906
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt04193
IRS990/PayrollTaxesGrp/ProgramServicesAmt012961
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IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
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IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Contract revenues
IRS990/ProgramServiceRevenueGrp/Desc1Lender licensing fees
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt160100
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt099861
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt160100
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0289612
IRS990/PYExcessBenefitTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0171887
IRS990/PYOtherRevenueAmt018977
IRS990/PYProgramServiceRevenueAmt0154390
IRS990/PYRevenuesLessExpensesAmt0-47846
IRS990/PYSalariesCompEmpBnftPaidAmt0338938
IRS990/PYTotalExpensesAmt0510825
IRS990/PYTotalRevenueAmt0462979
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-19114
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0159961
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0397
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0397
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0152175
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0289611
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0294671
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0161875
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0169050
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01067382
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IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt05
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IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0204615
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IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0366490
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0381023
IRS990ScheduleA/Total509Grp/TotalAmt02028672
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IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0468301
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IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0366491
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0381028
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt02028678
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IRS990ScheduleD/DonatedServicesUseFcltsAmt06000
IRS990ScheduleD/EquipmentGrp/BookValueAmt01410
IRS990ScheduleD/EquipmentGrp/DepreciationAmt08128
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt09538

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$74,712
Liabilities
$186,054
Net assets
-$111,342
Revenue
$330,458
Expenses
$349,572
Net income
-$19,114
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.00$0.03$0.03
2023Detailed filing. Detailed filing data is available for this year.$0.03$0.00$0.03$0.00$0.06$0.06
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.09$0.00$0.09$0.67$1.47$0.79
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.74$0.86$0.88$2.62$2.17$0.46
2020Detailed filing. Detailed filing data is available for this year.$1.57$1.14$0.43$2.99$2.86$0.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.61$1.32$0.30$4.50$3.12$1.38
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.41$2.39$0.98$3.48$3.23$0.25
2017Summary only. Only limited summary data is available for this year.$1.09$2.32$1.23$2.85$3.47$0.62
2016Detailed filing. Detailed filing data is available for this year.$1.41$2.02$0.61$3.56$2.74$0.81
2015Detailed filing. Detailed filing data is available for this year.$0.75$1.86$1.11$3.30$3.50$0.19
2014Detailed filing. Detailed filing data is available for this year.$0.98$1.90$0.92$4.63$5.11$0.48
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.20$1.64$0.44$4.75$4.13$0.62
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.73$1.79$1.06$3.42
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.52$1.78$1.26$4.02
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.61$1.66$1.05$4.99
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)3 • <$500k nonprofits