Civic Intelligence

Wchr Securities Inc

990 • Fiscal year 2018 • EIN 04-3238757

Jan 01, 2018 to Dec 31, 2018 • Filed on May 04, 2019

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

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2018

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2018

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2018

Top Officer Pay

80th percentile

$0

Higher top officer pay than 80% of similar nonprofits.

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

Asset Growth

5th percentile

-100%

Faster asset growth than 5% of similar nonprofits.

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

Revenue Growth

3rd percentile

-100%

Faster revenue growth than 3% of similar nonprofits.

2018 filings • 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

Net Assets

Down

$0

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

Liabilities

Down

$0

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

Revenue And Expenses
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

Historical Trend

Balance Sheet Trend

Asset Growth5th 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

2018

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

Operations Trend

Revenue Growth3rd 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

2018

Revenue$0
Expenses$0
Net Income$0
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 4, 2019
Return Version
2018v3.1
Gross Receipts
$0
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$2,384,411--
Savings and Temporary Cash Investments$934,081--
Total Assets$3,318,492$0▼ $3,318,492
Liabilities
Mortgage Notes Payable Secured by Investment Property$2,332,135--
Accounts Payable and Accrued Expenses$15,574--
Total Liabilities$2,347,709$0▼ $2,347,709
Net Assets / Fund Balance
Temporarily Rstr Net Assets$970,783--
Total Net Assets Fund Balance$970,783$0▼ $970,783
Total Liabilities and Net Assets / Fund Balance$3,318,492$0▼ $3,318,492
Compensation and Service Providers
Top Officer Pay80th percentile

Board Members and Trustees

NameTitle
James HayesPresident
Elizabeth SanningVice President
Arlette LynchDirector
Clara SavageDirector
Donna SalvidioDirector
Gary MacconnellDirector
George CoxDirector
Indrek ButtnerDirector
Jane LorangerDirector
Jill DupreeDirector
John FoleyDirector
Karen CarreiroDirector
Keith NisbetDirector
Kenneth MudieDirector
Kwasi SarpongDirector
Michael ComiskeyDirector
Steven GrocciaDirector
Timothy GrinhamDirector
Paul StrnisteClerk
Lynda MonahanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$0
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$0
Other Expenses$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0
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
2019-05-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
George Cox
Formed
1994
Legal Domicile
Ma
Voting Board Members
20
Independent Board Members
20
Employees
0
Volunteers
0

Preparer

Firm
Houssan & Ojerholm Pc
Address
333 SHREWSBURY STREET, WORCESTER, MA 01604-4614
Preparer
Michael E Houssan
Phone
5087919501
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Other adjustments -970,783.”

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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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
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IRS990/Form990PartVIISectionAGrp/TitleTxt3CLERK
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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/ExplanationTxt3OTHER ADJUSTMENTS -970,783.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE AUDIT COMMITTEE IS CHARGED WITH THE OVERSIGHT AND GOVERNANCE OF THE AUDIT
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART XI, LINE 9:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4PART 12, PART XII, FINANCIAL STATEMENTS & AND REPORTING QUESTION 2
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ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-04
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ReturnHeader/FilingSecurityInformation/IPTm012:04:22
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ReturnHeader/PreparerPersonGrp/PhoneNum05087919501
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL E HOUSSAN
ReturnHeader/ReturnTs02019-05-12T11:18:25-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$0
Expenses
$0
Net income
$0
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$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