Civic Intelligence

Wchr Securities Inc

EIN 04-3238757 • 501(c)2 • Worcester, MA

Profile

Funds are loaned to qualified individuals and small business in worcester county for housing rehab. And business development.

11 Pleasant Street No 300Worcester, MA 01609
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2018

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2018

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2018

Top Officer Pay

82nd percentile

$0

Higher top officer pay than 82% of similar nonprofits.

501(c)2 • <$500k nonprofits • Source year 2018

Asset Growth

23rd percentile

-100%

Faster asset growth than 23% of similar nonprofits.

501(c)2 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

9th percentile

-100%

Faster revenue growth than 9% of similar nonprofits.

501(c)2 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $3,318,492 (-100%) from 2017

Liabilities

Down

$0

Down $2,347,709 (-100%) from 2017

Net Assets

Down

$0

Down $970,783 (-100%) from 2017

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

Down

$0

Down $127,548 (-100%) from 2017

Expenses

Down

$0

Down $42,901 (-100%) from 2017

Net Income

Down

$0

Down $84,647 (-100%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth23rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $2,651,149Liabilities 2011: $2,010,990Net Assets 2011: $640,1592011Assets 2012: $3,396,276Liabilities 2012: $2,526,168Net Assets 2012: $870,1082012Assets 2013: $3,437,825Liabilities 2013: $2,464,720Net Assets 2013: $973,1052013Assets 2014: $3,605,885Liabilities 2014: $2,301,184Net Assets 2014: $1,304,7012014Assets 2015: $3,070,719Liabilities 2015: $2,220,152Net Assets 2015: $850,5672015Assets 2016: $3,266,057Liabilities 2016: $2,379,921Net Assets 2016: $886,1362016Assets 2017: $3,318,492Liabilities 2017: $2,347,709Net Assets 2017: $970,7832017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2018

Assets$0
Liabilities$0
Net Assets$0
Open 2018 Filing

Operations Trend

Revenue Growth9th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0Expenses 2011: $223,2792011Expenses 2012: $105,2992012Revenue 2013: $510,148Expenses 2013: $192,097Net Income 2013: $318,0512013Revenue 2014: $422,785Expenses 2014: $91,189Net Income 2014: $331,5962014Revenue 2015: $146,716Expenses 2015: $92,577Net Income 2015: $54,1392015Revenue 2016: $98,715Expenses 2016: $63,146Net Income 2016: $35,5692016Revenue 2017: $127,548Expenses 2017: $42,901Net Income 2017: $84,6472017Revenue 2018: $0Expenses 2018: $0Net Income 2018: $02018

Highlighted filing

2018

Revenue$0
Expenses$0
Net Income$0
Open 2018 Filing

Filings

Most recent year

2018 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$0
Expenses
$0
Net income
$0
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.00$0.00$0.00
2017Detailed filing. Detailed filing data is available for this year.$3.32$2.35$0.97$0.13$0.04$0.08
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.27$2.38$0.89$0.10$0.06$0.04
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.07$2.22$0.85$0.15$0.09$0.05
2014Detailed filing. Detailed filing data is available for this year.$3.61$2.30$1.30$0.42$0.09$0.33
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$3.44$2.46$0.97$0.51$0.19$0.32
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.40$2.53$0.87$0.11
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.65$2.01$0.64$0.22
Latest Detailed Filing

The latest 2018 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2017 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 9, 2018
Return Version
2017v2.2
Gross Receipts
$127,548
Mission and Program Overview

Mission

Funds are loaned to qualified individuals and small business in worcester county for housing rehab. And business development.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,303,920$2,384,411▲ $1,080,491
Savings and Temporary Cash Investments$1,962,137$934,081▼ $1,028,056
Total Assets$3,266,057$3,318,492▲ $52,435
Liabilities
Mortgage Notes Payable Secured by Investment Property$2,355,637$2,332,135▼ $23,502
Accounts Payable and Accrued Expenses$24,284$15,574▼ $8,710
Total Liabilities$2,379,921$2,347,709▼ $32,212
Net Assets / Fund Balance
Temporarily Rstr Net Assets$886,136$970,783▲ $84,647
Total Net Assets Fund Balance$886,136$970,783▲ $84,647
Total Liabilities and Net Assets / Fund Balance$3,266,057$3,318,492▲ $52,435
Compensation and Service Providers
Top Officer Pay82nd percentile

Board Members and Trustees

NameTitle
George CoxPresident
Elizabeth SanningVice President
Arlette LynchDirector
Clara SavageDirector
Donna SalvidioDirector
Gary MacconnellDirector
Indrek ButtnerDirector
Jill DupreeDirector
John FoleyDirector
Karen CarreiroDirector
Keith NisbetDirector
Kenneth MudieDirector
Kwasi SarpongDirector
Lynda MonahanDirector
Michael ComiskeyDirector
Timothy GrinhamDirector
Paul StrnisteClerk
James HayesTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$89,018
Investment Income
$0
Other Revenue
$38,530
Change in Net Assets
$84,647
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$42,901
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$34,675
Other Expenses---$4,037
Fees for Services Legal---$3,189
Fees for Services Accounting---$1,000
Total Functional Expenses$0$0$0$42,901
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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
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

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The board of directors receives the completed form 990 to review and the board submits comments and questions. Once the questions are adequately addressed the board approves the 990.”

Form 990, Part VI, Section B, Line 12C

“The board reviews and monitors the conflict issues regarding trustees.”

Form 990, Part VI, Section C, Line 19

“Governing documents are available upon request during normal business hours at the organizations place of business.”

Filing and Contact Details

Filer

Filer Name
Wchr Securities Inc
EIN
04-3238757
Phone
5087990322
Address
11 PLEASANT STREET NO 300, WORCESTER, MA 01609

Signing Officer

Name
George Cox
Title
President
Phone
5087990322
Signed
2018-05-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
George Cox
Formed
1994
Legal Domicile
Ma
Voting Board Members
18
Independent Board Members
18
Employees
0
Volunteers
0

Preparer

Firm
Houssan & Ojerholm Pc
Address
27 WEST MOUNTAIN ST, WORCESTER, MA 01606-1342
Preparer
Michael E Houssan
Phone
5087919501
Supplemental Narrative

Additional Explanations

Part 12, Part XII, Financial Statements & and Reporting Question 2

“The audit committee is charged with the oversight and governance of the audit”

Raw XML Appendix398 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt024284
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt015574
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0FUNDS ARE LOANED TO QUALIFIED INDIVIDUALS AND SMALL BUSINESS IN WORCESTER COUNTY FOR HOUSING REHAB. AND BUSINESS DEVELOPMENT.
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0THE ORGANIZATION
IRS990/BooksInCareOfDetail/PhoneNum05087990322
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt011 PLEASANT STREET NO 300
IRS990/BooksInCareOfDetail/USAddress/CityNm0WORCESTER
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd001609
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IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
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IRS990/CompensationProcessOtherInd00
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IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
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IRS990/CYOtherRevenueAmt038530
IRS990/CYProgramServiceRevenueAmt089018
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IRS990/CYTotalProfFndrsngExpnsAmt00
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IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
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IRS990/Desc0DIRECTS A REVOLVING LOAN PROGRAM THROUGH WHICH INVESTOR FUNDS ARE LOANED TO INDIVIDUALS AND SMALL BUSINESSES IN WORCESTER COUNTY FOR HOUSING REHAB. AND BUSINESS DEVELOPMENT.
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IRS990/FeesForServicesLegalGrp/TotalAmt03189
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IRS990/Form990PartVIISectionAGrp/PersonNm2JAMES HAYES
IRS990/Form990PartVIISectionAGrp/PersonNm3PAUL STRNISTE
IRS990/Form990PartVIISectionAGrp/PersonNm4KAREN CARREIRO
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IRS990/Form990PartVIISectionAGrp/PersonNm12CLARA SAVAGE
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IRS990/Form990PartVIISectionAGrp/PersonNm14INDREK BUTTNER
IRS990/Form990PartVIISectionAGrp/PersonNm15TIMOTHY GRINHAM
IRS990/Form990PartVIISectionAGrp/PersonNm16JILL DUPREE
IRS990/Form990PartVIISectionAGrp/PersonNm17ARLETTE LYNCH
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3CLERK
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS RECEIVES THE COMPLETED FORM 990 TO REVIEW AND THE BOARD SUBMITS COMMENTS AND QUESTIONS. ONCE THE QUESTIONS ARE ADEQUATELY ADDRESSED THE BOARD APPROVES THE 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD REVIEWS AND MONITORS THE CONFLICT ISSUES REGARDING TRUSTEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST DURING NORMAL BUSINESS HOURS AT THE ORGANIZATIONS PLACE OF BUSINESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE AUDIT COMMITTEE IS CHARGED WITH THE OVERSIGHT AND GOVERNANCE OF THE AUDIT
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3PART 12, PART XII, FINANCIAL STATEMENTS & AND REPORTING QUESTION 2
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ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0GEORGE COX
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05087990322
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WCHR SECURITIES INC
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ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt096.39.45.110
ReturnHeader/FilingSecurityInformation/IPDt02018-05-09
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm014:51:05
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0261588653
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0HOUSSAN & OJERHOLM PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt027 WEST MOUNTAIN ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WORCESTER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0016061342
ReturnHeader/PreparerPersonGrp/PhoneNum05087919501
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL E HOUSSAN
ReturnHeader/ReturnTs02018-05-18T09:12:05-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

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