Civic Intelligence

Bread & Roses Housing Inc.

990 • Fiscal year 2019 • EIN 04-2983365

Jul 01, 2018 to Jun 30, 2019 • Filed on Oct 28, 2019

Organization Profilewww.brhousing.org
15 Union StreetLawrence, MA 01840

(978) 685-1823

Siviq Scores

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

Liabilities / Assets

59th percentile

0.14x

Higher debt load relative to assets than 59% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

83rd percentile

0.70x

Higher debt load relative to revenue than 83% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Net Margin

86th percentile

34%

Higher net margin than 86% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

70th percentile

$102,473

Higher top officer pay than 70% of similar nonprofits.

Top officer pay equals 21.8% of source-year revenue.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Asset Growth

11th percentile

-12%

Faster asset growth than 11% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

17th percentile

-16%

Faster revenue growth than 17% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets59th percentile

Assets

Down

$2,277,557

Down $300,674 (-12%) from 2018

Net Assets

Up

$1,949,850

Up $159,318 (+8.9%) from 2018

Liabilities

Down

$327,707

Down $459,992 (-58%) from 2018

Revenue And Expenses
Liabilities / Revenue83rd percentileNet Margin86th percentile

Revenue

Down

$469,609

Down $89,567 (-16%) from 2018

Expenses

Down

$310,291

Down $179,083 (-37%) from 2018

Net Income

Up

$159,318

Up $89,516 (+128%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $1,310,238Liabilities 2011: $36,572Net Assets 2011: $1,273,6662011Assets 2012: $1,295,588Liabilities 2012: $43,766Net Assets 2012: $1,251,8222012Assets 2013: $1,411,974Liabilities 2013: $40,691Net Assets 2013: $1,371,2832013Assets 2014: $1,663,276Liabilities 2014: $105,396Net Assets 2014: $1,557,8802014Assets 2015: $1,483,420Liabilities 2015: $13,687Net Assets 2015: $1,469,7332015Assets 2016: $1,611,707Liabilities 2016: $40,021Net Assets 2016: $1,571,6862016Assets 2017: $1,765,555Liabilities 2017: $44,825Net Assets 2017: $1,720,7302017Assets 2018: $2,578,231Liabilities 2018: $787,699Net Assets 2018: $1,790,5322018Assets 2019: $2,277,557Liabilities 2019: $327,707Net Assets 2019: $1,949,8502019Assets 2020: $2,616,235Liabilities 2020: $464,623Net Assets 2020: $2,151,6122020Assets 2021: $2,346,641Liabilities 2021: $395,724Net Assets 2021: $1,950,9172021Assets 2022: $2,264,147Liabilities 2022: $171,554Net Assets 2022: $2,092,5932022Assets 2023: $2,139,582Liabilities 2023: $220,667Net Assets 2023: $1,918,9152023Assets 2024: $2,672,696Liabilities 2024: $822,396Net Assets 2024: $1,850,3002024

Highlighted filing

2019

Assets$2,277,557
Liabilities$327,707
Net Assets$1,949,850
Open 2019 Filing

Operations Trend

Revenue Growth17th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2011: $661,5632011Expenses 2012: $460,9232012Revenue 2013: $462,293Expenses 2013: $342,832Net Income 2013: $119,4612013Revenue 2014: $392,380Expenses 2014: $205,783Net Income 2014: $186,5972014Revenue 2015: $179,852Expenses 2015: $259,299Net Income 2015: -$79,4472015Revenue 2016: $444,515Expenses 2016: $342,562Net Income 2016: $101,9532016Revenue 2017: $748,825Expenses 2017: $599,781Net Income 2017: $149,0442017Revenue 2018: $559,176Expenses 2018: $489,374Net Income 2018: $69,8022018Revenue 2019: $469,609Expenses 2019: $310,291Net Income 2019: $159,3182019Revenue 2020: $470,457Expenses 2020: $268,695Net Income 2020: $201,7622020Revenue 2021: $1,196,868Expenses 2021: $1,397,563Net Income 2021: -$200,6952021Revenue 2022: $486,722Expenses 2022: $345,046Net Income 2022: $141,6762022Revenue 2023: $216,547Expenses 2023: $390,225Net Income 2023: -$173,6782023Revenue 2024: $210,238Expenses 2024: $278,853Net Income 2024: -$68,6152024

Highlighted filing

2019

Revenue$469,609
Expenses$310,291
Net Income$159,318
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2018 to Jun 30, 2019
Signed
Oct 28, 2019
Return Version
2018v3.1
Gross Receipts
$469,609
Mission and Program Overview

Mission

Create, preserve and advocate for affordable housing opportunities for low-income families; support families' goals of self sufficiency, education and empowerment; improve economically distressed neighborhoods, and advocate for the affordable housing needs of families' goals of self sufficiency, eudcation and empowerment.

Create,preserve and advocate for affordable housing opportunities for low-income families; support families' goals of self sufficiency, education and empowerment;

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$1,226,221$1,314,681▲ $88,460
Other Notes and Loans Receivable, Net$561,002$594,218▲ $33,216
Savings and Temporary Cash Investments$217,248$162,587▼ $54,661
Prepaid Expenses and Deferred Charges$19,869$4,403▼ $15,466
Total Assets$2,578,231$2,277,557▼ $300,674
Other Assets Total$553,891$201,668▼ $352,223
Liabilities
Mortgage Notes Payable Secured by Investment Property$747,647$288,595▼ $459,052
Accounts Payable and Accrued Expenses$40,052$39,112▼ $940
Total Liabilities$787,699$327,707▼ $459,992
Net Assets / Fund Balance
Unrestricted Net Assets$1,740,532$1,899,850▲ $159,318
Temporarily Rstr Net Assets$50,000$50,000→ $0
Total Net Assets Fund Balance$1,790,532$1,949,850▲ $159,318
Total Liabilities and Net Assets / Fund Balance$2,578,231$2,277,557▼ $300,674

Asset Categories

AssetBook ValueDepreciationBasis
Land$1,314,681-$1,314,681
Other Assets Org$201,668--
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Yesenia GilExec. directorFT$89,135$13,338$102,473

Board Members and Trustees

NameTitle
Kathleen SchoonmakerPresident, Board member
Cynthia RomeroBoard member
Fanny Reyes LaraBoard member
Josephina ReyesBoard member
Leslie DiazBoard member
Wanda OrtizClerk, Board member
Zuleem GarciaTreasurer, Board member
Revenue and Support

Revenue Composition

Contributions and Grants
$386,120
Program Service Revenue
$83,489
Investment Income
$0
Other Revenue
$0
All Other Contributions
$145,120
Change in Net Assets
$159,318
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$223,810
Total Fundraising Expense$66,472
Other Expenses$61,481
Professional Fundraising Fees$25,000
Grants and Similar Amounts Paid$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$57,978$6,798$32,340$97,116
Other Salaries and Wages$55,531$29,423$0$84,954
Fees for Services Professional Fundraising--$25,000$25,000
Payroll Taxes$13,961$4,749$4,241$22,951
Other Employee Benefits$18,789$0$0$18,789
Occupancy$12,616$0$0$12,616
Fees for Services Accounting$0$9,814$0$9,814
Other Expenses$3,910$0$4,891$8,801
Office Expenses$0$7,521$0$7,521
Fees for Services Other$4,300$0$0$4,300
Total Functional Expenses$182,780$61,039$66,472$310,291
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
Yes

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$25,000
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Bread & Roses Housing Inc
EIN
04-2983365
Phone
9786851823
Address
15 UNION STREET, LAWRENCE, MA 01840

Signing Officer

Name
Kathleen Schoonmaker
Title
President
Phone
9786851823
Signed
2019-10-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathleen Schoonmaker Pres
Formed
1987
Legal Domicile
Ma
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
15

Preparer

Firm
Elliott H Puretz CPA
Address
28 Halcyon Road, Newton, MA 02459
Preparer
Elliott H Puretz CPA
Phone
6179642675
Supplemental Narrative

Additional Explanations

Pt VI, Line 15A

“The treasurer reviews the form and presents it to the board”

Pt VI, Line 12C

“Each year, the directors certify as to their independence”

Pt VI, Line 11B

“Each year the exec. dir. comp. is approved by the board”

Financial Statement Notes

Pt IV, Line 1B

“The Agency collects escrow payments for taxes and ins.”

Pt IV, Line 1B

“and set-asides for its family home owners”

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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0386120
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0459130
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0748825
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0444515
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0125694
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt02164284
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0333
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0614
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0947
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PublicSupportCY170Pct00.99960
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportPY170Pct00.99920
IRS990ScheduleA/PublicSupportTotal170Amt02164284
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/SubstantialContributorsTotAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0386120
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0459130
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0748825
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0444515
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0125694
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt02164284
IRS990ScheduleA/TotalSupportAmt02165231
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/AdditionsDuringYearAmt0107236
IRS990ScheduleD/AgentTrusteeEtcInd0true
IRS990ScheduleD/BeginningBalanceAmt085693
IRS990ScheduleD/DistributionsDuringYearAmt095261
IRS990ScheduleD/EndingBalanceAmt097668
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/LandGrp/BookValueAmt01314681
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01314681
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0201668
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0CONSTRUCTION IN PROGRESS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The Agency collects escrow payments for taxes and ins.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1and set-asides for its family home owners
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt IV, Line 1b
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt IV, Line 1b
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01314681
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0201668
IRS990ScheduleG/AgrmtProfFundraisingActyInd0true
IRS990ScheduleG/FundraiserActivityInfoGrp/ActivityTxt0GRANTS
IRS990ScheduleG/FundraiserActivityInfoGrp/ActivityTxt1GRANTS
IRS990ScheduleG/FundraiserActivityInfoGrp/FundraiserControlOfFundsInd0false
IRS990ScheduleG/FundraiserActivityInfoGrp/FundraiserControlOfFundsInd1false
IRS990ScheduleG/FundraiserActivityInfoGrp/GrossReceiptsAmt0135000
IRS990ScheduleG/FundraiserActivityInfoGrp/GrossReceiptsAmt17737
IRS990ScheduleG/FundraiserActivityInfoGrp/NetToOrganizationAmt0116000
IRS990ScheduleG/FundraiserActivityInfoGrp/NetToOrganizationAmt11737
IRS990ScheduleG/FundraiserActivityInfoGrp/PersonNm0SHARON MCDONALD
IRS990ScheduleG/FundraiserActivityInfoGrp/RetainedByContractorAmt019000
IRS990ScheduleG/FundraiserActivityInfoGrp/RetainedByContractorAmt16000
IRS990ScheduleG/LicensedStatesCd0MA
IRS990ScheduleG/SolicitationOfGovtGrantsInd0X
IRS990ScheduleG/SolicitationOfNonGovtGrantsInd0X
IRS990ScheduleG/TotalGrossReceiptsAmt0142737
IRS990ScheduleG/TotalNetToOrganizationAmt0117737
IRS990ScheduleG/TotalRetainedByContractorsAmt025000
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The treasurer reviews the form and presents it to the board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Each year, the directors certify as to their independence
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Each year the exec. dir. comp. is approved by the board
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt050000
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt050000
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02578231
IRS990/TotalAssetsEOYAmt02277557
IRS990/TotalAssetsGrp/BOYAmt02578231
IRS990/TotalAssetsGrp/EOYAmt02277557
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0386120
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt066472
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt061039
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0182780
IRS990/TotalFunctionalExpensesGrp/TotalAmt0310291
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0787699
IRS990/TotalLiabilitiesEOYAmt0327707
IRS990/TotalLiabilitiesGrp/BOYAmt0787699
IRS990/TotalLiabilitiesGrp/EOYAmt0327707
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01790532
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01949850
IRS990/TotalOtherCompensationAmt013338
IRS990/TotalProgramServiceExpensesAmt0182780
IRS990/TotalProgramServiceRevenueAmt083489
IRS990/TotalReportableCompFromOrgAmt089135
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt083489
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0469609
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt015
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02578231
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02277557
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01740532
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01899850
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt015 UNION ST 401
IRS990/USAddress/CityNm0LAWRENCE
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd001840
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0https://www.brhousing.org/

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$2,277,557
Liabilities
$327,707
Net assets
$1,949,850
Revenue
$469,609
Expenses
$310,291
Net income
$159,318
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.67$0.82$1.85$0.21$0.28$0.07
2023Detailed filing. Detailed filing data is available for this year.$2.14$0.22$1.92$0.22$0.39$0.17
2022Detailed filing. Detailed filing data is available for this year.$2.26$0.17$2.09$0.49$0.35$0.14
2021Detailed filing. Detailed filing data is available for this year.$2.35$0.40$1.95$1.20$1.40$0.20
2020Detailed filing. Detailed filing data is available for this year.$2.62$0.46$2.15$0.47$0.27$0.20
2019Detailed filing. Detailed filing data is available for this year.$2.28$0.33$1.95$0.47$0.31$0.16
2018Detailed filing. Detailed filing data is available for this year.$2.58$0.79$1.79$0.56$0.49$0.07
2017Detailed filing. Detailed filing data is available for this year.$1.77$0.04$1.72$0.75$0.60$0.15
2016Detailed filing. Detailed filing data is available for this year.$1.61$0.04$1.57$0.44$0.34$0.10
2015Detailed filing. Detailed filing data is available for this year.$1.48$0.01$1.47$0.18$0.26$0.08
2014Detailed filing. Detailed filing data is available for this year.$1.66$0.11$1.56$0.39$0.21$0.19
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.41$0.04$1.37$0.46$0.34$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.30$0.04$1.25$0.46
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.31$0.04$1.27$0.66
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2019 filings • 501(c)3 • $1M-$5M nonprofits