Civic Intelligence

Wchr Securities Inc

990 • Fiscal year 2016 • EIN 04-3238757

Jan 01, 2016 to Dec 31, 2016 • Filed on Jul 10, 2017

Organization ProfileWWW.WCHR.ORG
11 Pleasant Street No 300Worcester, MA 01609

(508) 799-0322

Siviq Scores

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

Liabilities / Assets

80th percentile

0.73x

Higher debt load relative to assets than 80% of similar nonprofits.

2016 filings • 501(c)2 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

93rd percentile

24.11x

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

2016 filings • 501(c)2 • $1M-$5M nonprofits • Source year 2016

Net Margin

64th percentile

36%

Higher net margin than 64% of similar nonprofits.

2016 filings • 501(c)2 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

51st percentile

$0

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2016 filings • 501(c)2 • $1M-$5M nonprofits • Source year 2016

Asset Growth

81st percentile

6.4%

Faster asset growth than 81% of similar nonprofits.

2016 filings • 501(c)2 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

14th percentile

-33%

Faster revenue growth than 14% of similar nonprofits.

2016 filings • 501(c)2 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$3,266,057

Up $195,338 (+6.4%) from 2015

Net Assets

Up

$886,136

Up $35,569 (+4.2%) from 2015

Liabilities

Up

$2,379,921

Up $159,769 (+7.2%) from 2015

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin64th percentile

Revenue

Down

$98,715

Down $48,001 (-33%) from 2015

Expenses

Down

$63,146

Down $29,431 (-32%) from 2015

Net Income

Down

$35,569

Down $18,570 (-34%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth81st percentile

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

$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

2016

Assets$3,266,057
Liabilities$2,379,921
Net Assets$886,136
Open 2016 Filing

Operations Trend

Revenue Growth14th percentile

Revenue, expenses, and net income across loaded years, with this 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

2016

Revenue$98,715
Expenses$63,146
Net Income$35,569
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jul 10, 2017
Return Version
2016v3.0
Gross Receipts
$98,715
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
Savings and Temporary Cash Investments$1,464,718$1,962,137▲ $497,419
Other Notes and Loans Receivable, Net$1,606,001$1,303,920▼ $302,081
Total Assets$3,070,719$3,266,057▲ $195,338
Liabilities
Mortgage Notes Payable Secured by Investment Property$2,189,106$2,355,637▲ $166,531
Accounts Payable and Accrued Expenses$31,046$24,284▼ $6,762
Total Liabilities$2,220,152$2,379,921▲ $159,769
Net Assets / Fund Balance
Temporarily Rstr Net Assets$850,567$886,136▲ $35,569
Total Net Assets Fund Balance$850,567$886,136▲ $35,569
Total Liabilities and Net Assets / Fund Balance$3,070,719$3,266,057▲ $195,338
Compensation and Service Providers
Top Officer Pay51st percentile

Board Members and Trustees

NameTitle
George CoxPresident/director
Elizabeth SanningVice President/director
Paul StrnisteClerk/director
Clara SavageDirector
Donna SalvidioDirector
Gary MacconnellDirector
Ginger NavickasDirector
John FoleyDirector
Karen CarreiroDirector
Keith NisbetDirector
Kenneth MudieDirector
Kwasi SarpongDirector
Lynda MonahanDirector
Michael ComiskeyDirector
Michael MalloyDirector
Richard LeahyDirector
Susan SimeoneDirector
Walter OhanianDirector
James HayesTreasurer/director
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$59,063
Investment Income
$0
Other Revenue
$39,652
Change in Net Assets
$35,569
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$63,146
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---$39,942
Other Expenses---$3,710
Fees for Services Accounting---$3,400
Fees for Services Legal---$1,094
Total Functional Expenses$0$0$0$63,146
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
Audit committee
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
Yes
Audited financial statements prepared
Yes
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
2017-07-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
George Cox
Formed
1994
Legal Domicile
Ma
Voting Board Members
19
Independent Board Members
19
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”

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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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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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IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
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IRS990/WhistleblowerPolicyInd01
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt027 WEST MOUNTAIN ST
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Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,266,057
Liabilities
$2,379,921
Net assets
$886,136
Revenue
$98,715
Expenses
$63,146
Net income
$35,569
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
2016Detailed filing. Detailed filing data is available for this year.$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