Civic Intelligence

CDI Development Fund Inc

990 • Fiscal year 2023 • EIN 04-3464735

Jul 01, 2022 to Jun 30, 2023 • Filed on Jul 25, 2023

Organization ProfileN/A
13 Maple CourtMaynard, MA 01754

(518) 569-7863

Siviq Scores

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

Liabilities / Assets

91st percentile

0.93x

Higher debt load relative to assets than 91% of similar nonprofits.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2023

Liabilities / Revenue

96th percentile

8.78x

Higher debt load relative to revenue than 96% of similar nonprofits.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2023

Net Margin

77th percentile

21%

Higher net margin than 77% of similar nonprofits.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2023

Top Officer Pay

14th percentile

$0

Higher top officer pay than 14% of similar nonprofits.

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

2023 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2023

Asset Growth

30th percentile

0.1%

Faster asset growth than 30% of similar nonprofits.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Revenue Growth

89th percentile

63%

Faster revenue growth than 89% of similar nonprofits.

2023 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets91st percentile

Assets

Up

$19,047,224

Up $23,004 (+0.1%) from 2022

Net Assets

Up

$1,366,497

Up $424,115 (+45%) from 2022

Liabilities

Down

$17,680,727

Down $401,111 (-2.2%) from 2022

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin77th percentile

Revenue

Up

$2,014,516

Up $781,768 (+63%) from 2022

Expenses

Up

$1,590,401

Up $711,132 (+81%) from 2022

Net Income

Up

$424,115

Up $70,636 (+20%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth30th percentile

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

$20M$15M$10M$5.0M$0Assets 2020: $4,062,351Liabilities 2020: $3,721,081Net Assets 2020: $341,2702020Assets 2021: $4,047,079Liabilities 2021: $3,630,312Net Assets 2021: $416,7672021Assets 2022: $19,024,220Liabilities 2022: $18,081,838Net Assets 2022: $942,3822022Assets 2023: $19,047,224Liabilities 2023: $17,680,727Net Assets 2023: $1,366,4972023Assets 2024: $19,249,786Liabilities 2024: $17,289,807Net Assets 2024: $1,959,9792024Assets 2025: $19,189,920Liabilities 2025: $16,855,160Net Assets 2025: $2,334,7602025

Highlighted filing

2023

Assets$19,047,224
Liabilities$17,680,727
Net Assets$1,366,497
Open 2023 Filing

Operations Trend

Revenue Growth89th percentile

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

$3.0M$2.0M$1.0M$0Revenue 2020: $92,007Expenses 2020: $0Net Income 2020: $92,0072020Revenue 2021: $75,497Expenses 2021: $0Net Income 2021: $75,4972021Revenue 2022: $1,232,748Expenses 2022: $879,269Net Income 2022: $353,4792022Revenue 2023: $2,014,516Expenses 2023: $1,590,401Net Income 2023: $424,1152023Revenue 2024: $2,075,858Expenses 2024: $1,482,376Net Income 2024: $593,4822024Revenue 2025: $2,062,199Expenses 2025: $1,687,418Net Income 2025: $374,7812025

Highlighted filing

2023

Revenue$2,014,516
Expenses$1,590,401
Net Income$424,115
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2022 to Jun 30, 2023
Signed
Jul 25, 2023
Return Version
2022v5.0
Gross Receipts
$2,014,516
Mission and Program Overview

Mission

Develop and Train Cooperatives

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$17,964,375$18,070,333▲ $105,958
Cash and Non-Interest-Bearing Accounts$369,305$309,336▼ $59,969
Accounts Receivable$10,842$23,811▲ $12,969
Prepaid Expenses and Deferred Charges$8,099$8,375▲ $276
Total Assets$19,024,220$19,047,224▲ $23,004
Other Assets Total$671,599$635,369▼ $36,230
Liabilities
Tax Exempt Bond Liabilities$14,888,547$14,536,844▼ $351,703
Mortgage Notes Payable Secured by Investment Property$3,112,233$3,079,792▼ $32,441
Accounts Payable and Accrued Expenses$63,529$46,051▼ $17,478
Deferred Revenue$17,529$18,040▲ $511
Total Liabilities$18,081,838$17,680,727▼ $401,111
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$942,382$1,366,497▲ $424,115
Total Net Assets Fund Balance$942,382$1,366,497▲ $424,115
Total Liabilities and Net Assets / Fund Balance$19,024,220$19,047,224▲ $23,004

Asset Categories

AssetBook ValueDepreciationBasis
Land$17,757,840-$17,757,840
Leasehold Improvements$312,493$62,893$375,386
Other Assets Org$0--
Compensation and Service Providers
Top Officer Pay14th percentile

Board Members and Trustees

NameTitle
Jeremiah WardPresident
Julia CurryClerk/Director
Noemi GiszpencTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,009,862
Investment Income
$4,654
Other Revenue
$0
Change in Net Assets
$424,115

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,014,516
Total Revenue per Audited Statements
$2,014,516
Total Revenue per Form 990
$2,014,516
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,546,910
Salaries, Compensation, and Employee Benefits$43,491
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Occupancy$680,613$0$0$680,613
Interest$638,256$0$0$638,256
Fees for Services Management$88,350$0$0$88,350
Fees for Services Other$53,748$0$0$53,748
Other Salaries and Wages$43,491$0$0$43,491
Depreciation Depletion$23,216$0$0$23,216
Insurance$19,489$0$0$19,489
Fees for Services Legal$13,820$0$0$13,820
Office Expenses$10,380$0$0$10,380
Fees for Services Accounting$10,200$0$0$10,200
Other Expenses$686$0$0$686
Total Functional Expenses$1,590,401$0$0$1,590,401

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,590,401
Total Expenses per Audited Statements$1,590,401
Total Expenses per Form 990$1,590,401
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Bond Issues

BondIssuerIssuedIssue PricePurpose
BNorthfield Savings Bank2022-02-09$10,072,500Affordable Housing
ANorthfield Savings Bank2015-11-01$3,145,000Affordable Housing
CNorthfield Savings Bank2022-02-09$2,210,000Affordable Housing

Bond Proceeds

BondTotal ProceedsSpentRetiredIssuance Costs
B$10,072,500---
A$3,145,000---
C$2,210,000---

Bond Financing Compliance

Form 8038-T filed
No
Gross proceeds invested
No
Gross proceeds invested in GIC
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
No
Business relationship with 35% controlled entity
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
Filing and Contact Details

Filer

Filer Name
CDI Development Fund Inc
EIN
04-3464735
Phone
5185697863
Address
13 Maple Court, Maynard, MA 01754

Signing Officer

Name
Jeremiah Ward
Title
Executive Director
Phone
5185697863
Signed
2023-07-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jeremiah Ward
Formed
1999
Legal Domicile
Ma
Voting Board Members
4
Independent Board Members
4
Employees
0
Volunteers
4

Preparer

Firm
Scott M Sawyer CPA pc
Address
21 Mohawk Trail Suite 306, Greenfield, MA 01301
Preparer
Scott M Sawyer Attorney CPA
Phone
4137746811
Supplemental Narrative

Additional Explanations

Pt VI, Line 19

“Information regarding Form 990 and Form 1023 provided on request”

Pt VI, Line 11B

“Form 990 presented to officers and directors each year.”

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IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt02009862
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt01231619
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0560115
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0569958
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0549737
IRS990ScheduleA/Total509Grp/TotalAmt04921291
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt04927183
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/ExpensesSubtotalAmt01590401
IRS990ScheduleD/LandGrp/BookValueAmt017757840
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt017757840
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0312493
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt062893
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0375386
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0635369
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt10
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Reserves for Improvements and Tax Escrows
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1Homes in Development
IRS990ScheduleD/RevenueSubtotalAmt02014516
IRS990ScheduleD/TotalBookValueLandBuildingsAmt018070333
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0635369
IRS990ScheduleD/TotalExpensesPerForm990Amt01590401
IRS990ScheduleD/TotalRevenuePerForm990Amt02014516
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02014516
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01590401
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/BondReferenceCd0A
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/BondReferenceCd1B
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/BondReferenceCd2C
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/Form8038TFiledInd0false
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/Form8038TFiledInd1false
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/Form8038TFiledInd2false
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/GrossProceedsInvestedInd0false
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/GrossProceedsInvestedInd1false
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/GrossProceedsInvestedInd2false
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/GrossProceedsInvestedInGICInd0false
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/GrossProceedsInvestedInGICInd1false
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/GrossProceedsInvestedInGICInd2false
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/HedgeIdentifiedInBksAndRecInd0false
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/HedgeIdentifiedInBksAndRecInd1false
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/HedgeIdentifiedInBksAndRecInd2false
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/TermOfGICPct00.000000000000
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/TermOfGICPct10.000000000000
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/TermOfGICPct20.000000000000
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/TermOfHedgePct00.000000000000
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/TermOfHedgePct10.000000000000
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/TermOfHedgePct20.000000000000
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/VariableRateIssueInd0true
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/VariableRateIssueInd1true
IRS990ScheduleK/TaxExemptBondsArbitrageGrp/VariableRateIssueInd2true
IRS990ScheduleK/TaxExemptBondsIssuesGrp/BondIssuedDt02015-11-01
IRS990ScheduleK/TaxExemptBondsIssuesGrp/BondIssuedDt12022-02-09
IRS990ScheduleK/TaxExemptBondsIssuesGrp/BondIssuedDt22022-02-09
IRS990ScheduleK/TaxExemptBondsIssuesGrp/BondIssuerEIN0030145560
IRS990ScheduleK/TaxExemptBondsIssuesGrp/BondIssuerEIN1030145560
IRS990ScheduleK/TaxExemptBondsIssuesGrp/BondIssuerEIN2030145560
IRS990ScheduleK/TaxExemptBondsIssuesGrp/BondReferenceCd0A
IRS990ScheduleK/TaxExemptBondsIssuesGrp/BondReferenceCd1B
IRS990ScheduleK/TaxExemptBondsIssuesGrp/BondReferenceCd2C
IRS990ScheduleK/TaxExemptBondsIssuesGrp/CUSIPNum01NotAvail
IRS990ScheduleK/TaxExemptBondsIssuesGrp/CUSIPNum11NotAvail
IRS990ScheduleK/TaxExemptBondsIssuesGrp/CUSIPNum21NotAvail
IRS990ScheduleK/TaxExemptBondsIssuesGrp/DefeasedInd0true
IRS990ScheduleK/TaxExemptBondsIssuesGrp/DefeasedInd1true
IRS990ScheduleK/TaxExemptBondsIssuesGrp/DefeasedInd2true
IRS990ScheduleK/TaxExemptBondsIssuesGrp/IssuePriceAmt03145000
IRS990ScheduleK/TaxExemptBondsIssuesGrp/IssuePriceAmt110072500
IRS990ScheduleK/TaxExemptBondsIssuesGrp/IssuePriceAmt22210000
IRS990ScheduleK/TaxExemptBondsIssuesGrp/IssuerName/BusinessNameLine1Txt0Northfield Savings Bank
IRS990ScheduleK/TaxExemptBondsIssuesGrp/IssuerName/BusinessNameLine1Txt1Northfield Savings Bank
IRS990ScheduleK/TaxExemptBondsIssuesGrp/IssuerName/BusinessNameLine1Txt2Northfield Savings Bank
IRS990ScheduleK/TaxExemptBondsIssuesGrp/OnBehalfOfIssuerInd0false
IRS990ScheduleK/TaxExemptBondsIssuesGrp/OnBehalfOfIssuerInd1false
IRS990ScheduleK/TaxExemptBondsIssuesGrp/OnBehalfOfIssuerInd2false
IRS990ScheduleK/TaxExemptBondsIssuesGrp/PoolFinancingInd0false
IRS990ScheduleK/TaxExemptBondsIssuesGrp/PoolFinancingInd1false
IRS990ScheduleK/TaxExemptBondsIssuesGrp/PoolFinancingInd2false
IRS990ScheduleK/TaxExemptBondsIssuesGrp/PurposeDesc0Affordable Housing
IRS990ScheduleK/TaxExemptBondsIssuesGrp/PurposeDesc1Affordable Housing
IRS990ScheduleK/TaxExemptBondsIssuesGrp/PurposeDesc2Affordable Housing
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/AnyLeaseArrangementsInd0false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/AnyLeaseArrangementsInd1false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/AnyLeaseArrangementsInd2false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/AnyLeaseArrangementsInd3false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/AnyResearchAgreementsInd0false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/AnyResearchAgreementsInd1false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/AnyResearchAgreementsInd2false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/AnyResearchAgreementsInd3false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/BondReferenceCd0A
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/BondReferenceCd1B
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/BondReferenceCd2C
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/BondReferenceCd3D
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/ChangeInUseBondFinancedPropInd0false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/ChangeInUseBondFinancedPropPct00.00000
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/ChangeInUseBondFinancedPropPct10.00000
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/ChangeInUseBondFinancedPropPct20.00000
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/ChangeInUseBondFinancedPropPct30.00000
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/MgmtContractBondFincdPropInd0false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/MgmtContractBondFincdPropInd1false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/MgmtContractBondFincdPropInd2false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/MgmtContractBondFincdPropInd3false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/OwningBondFinancedPropertyInd0false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/OwningBondFinancedPropertyInd1false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/OwningBondFinancedPropertyInd2false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/OwningBondFinancedPropertyInd3false
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/PrivateBusConcerningUBIPct00.00000
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/PrivateBusConcerningUBIPct10.00000
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/PrivateBusConcerningUBIPct20.00000
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/PrivateBusConcerningUBIPct30.00000
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/PrivateBusUseByOthersPct00.00000
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/PrivateBusUseByOthersPct10.00000

Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$19,047,224
Liabilities
$17,680,727
Net assets
$1,366,497
Revenue
$2,014,516
Expenses
$1,590,401
Net income
$424,115
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$19.2$16.9$2.33$2.06$1.69$0.37
2024Detailed filing. Detailed filing data is available for this year.$19.2$17.3$1.96$2.08$1.48$0.59
2023Detailed filing. Detailed filing data is available for this year.$19.0$17.7$1.37$2.01$1.59$0.42
2022Detailed filing. Detailed filing data is available for this year.$19.0$18.1$0.94$1.23$0.88$0.35
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.05$3.63$0.42$0.08$0.00$0.08
2020Detailed filing. Detailed filing data is available for this year.$4.06$3.72$0.34$0.09$0.00$0.09