Civic Intelligence

CDI Development Fund Inc

990 • Fiscal year 2024 • EIN 04-3464735

Jul 01, 2023 to Jun 30, 2024 • Filed on Sep 12, 2024

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

0.90x

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

2024 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

96th percentile

8.33x

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

2024 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2024

Net Margin

80th percentile

29%

Higher net margin than 80% of similar nonprofits.

2024 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

15th percentile

$0

Higher top officer pay than 15% of similar nonprofits.

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

2024 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2024

Asset Growth

36th percentile

1.1%

Faster asset growth than 36% of similar nonprofits.

2024 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

39th percentile

3.0%

Faster revenue growth than 39% of similar nonprofits.

2024 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets91st percentile

Assets

Up

$19,249,786

Up $202,562 (+1.1%) from 2023

Net Assets

Up

$1,959,979

Up $593,482 (+43%) from 2023

Liabilities

Down

$17,289,807

Down $390,920 (-2.2%) from 2023

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin80th percentile

Revenue

Up

$2,075,858

Up $61,342 (+3.0%) from 2023

Expenses

Down

$1,482,376

Down $108,025 (-6.8%) from 2023

Net Income

Up

$593,482

Up $169,367 (+40%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth36th 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

2024

Assets$19,249,786
Liabilities$17,289,807
Net Assets$1,959,979
Open 2024 Filing

Operations Trend

Revenue Growth39th 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

2024

Revenue$2,075,858
Expenses$1,482,376
Net Income$593,482
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
Sep 12, 2024
Return Version
2023v5.1
Gross Receipts
$2,075,858
Mission and Program Overview

Mission

Develop and Train Cooperatives

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$18,070,333$18,205,621▲ $135,288
Cash and Non-Interest-Bearing Accounts$309,336$344,836▲ $35,500
Accounts Receivable$23,811$44,198▲ $20,387
Prepaid Expenses and Deferred Charges$8,375$8,320▼ $55
Total Assets$19,047,224$19,249,786▲ $202,562
Other Assets Total$635,369$646,811▲ $11,442
Liabilities
Tax Exempt Bond Liabilities$14,536,844$14,218,779▼ $318,065
Mortgage Notes Payable Secured by Investment Property$3,079,792$3,011,131▼ $68,661
Accounts Payable and Accrued Expenses$46,051$49,317▲ $3,266
Deferred Revenue$18,040$10,580▼ $7,460
Total Liabilities$17,680,727$17,289,807▼ $390,920
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,366,497$1,959,979▲ $593,482
Total Net Assets Fund Balance$1,366,497$1,959,979▲ $593,482
Total Liabilities and Net Assets / Fund Balance$19,047,224$19,249,786▲ $202,562

Asset Categories

AssetBook ValueDepreciationBasis
Land$17,757,840-$17,757,840
Other Land Buildings$447,781$88,769$536,550
Other Assets Org$3,800--
Compensation and Service Providers
Top Officer Pay15th 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
$2,067,365
Investment Income
$8,493
Other Revenue
$0
Change in Net Assets
$593,482

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,075,858
Total Revenue per Audited Statements
$2,075,858
Total Revenue per Form 990
$2,075,858
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,482,376
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
Occupancy$706,367$0$0$706,367
Interest$527,670$0$0$527,670
Fees for Services Management$89,957$0$0$89,957
Fees for Services Other$48,331$0$0$48,331
Fees for Services Legal$27,762$0$0$27,762
Depreciation Depletion$25,876$0$0$25,876
Insurance$17,103$0$0$17,103
Fees for Services Accounting$12,000$0$0$12,000
Office Expenses$11,703$0$0$11,703
Other Expenses$2,357$0$0$2,357
Total Functional Expenses$1,482,376$0$0$1,482,376

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,482,376
Total Expenses per Audited Statements$1,482,376
Total Expenses per Form 990$1,482,376
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
2024-09-12
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/Total509Grp/CurrentTaxYearMinus2YearsAmt01231619
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0560115
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0569958
IRS990ScheduleA/Total509Grp/TotalAmt06438919
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt06453304
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/ExpensesSubtotalAmt01482376
IRS990ScheduleD/LandGrp/BookValueAmt017757840
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt017757840
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0643011
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt13800
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Reserves for Improvements and Tax Escrows
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1Homes in Development
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0447781
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt088769
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0536550
IRS990ScheduleD/RevenueSubtotalAmt02075858
IRS990ScheduleD/TotalBookValueLandBuildingsAmt018205621
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0646811
IRS990ScheduleD/TotalExpensesPerForm990Amt01482376
IRS990ScheduleD/TotalRevenuePerForm990Amt02075858
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02075858
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01482376
IRS990/ScheduleJRequiredInd0false
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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
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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
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/PrivateBusUseByOthersPct20.00000
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/PrivateBusUseByOthersPct30.00000
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/TotalPrivateBusinessUsePct00.00000
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/TotalPrivateBusinessUsePct10.00000
IRS990ScheduleK/TaxExemptBondsPrivateBusUseGrp/TotalPrivateBusinessUsePct20.00000

Document Assets

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Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$19,249,786
Liabilities
$17,289,807
Net assets
$1,959,979
Revenue
$2,075,858
Expenses
$1,482,376
Net income
$593,482
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