Civic Intelligence

Schenectady Housing Development Fund Corporation

EIN 16-1524400 • 501(c)3 • Schenectady, NY

Pub. 78 Eligible

Profile

The Organization was formed for the purpose of developing and providing housing for low and\or moderate income persons in the City of Schenectady.

105 Jay Street Room 14Schenectady, NY 12305

www.cityofschenectady.com

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.19x

Higher debt load relative to assets than 82% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2023

Liabilities / Revenue

92nd percentile

0.55x

Higher debt load relative to revenue than 92% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2023

Net Margin

93rd percentile

66%

Higher net margin than 93% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2023

Top Officer Pay

84th percentile

$0

Higher top officer pay than 84% of similar nonprofits.

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

501(c)3 • <$500k nonprofits • Source year 2019

Asset Growth

44th percentile

-5.2%

Faster asset growth than 44% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2023

Revenue Growth

31st percentile

-20%

Faster revenue growth than 31% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$72,335

Up $14,504 (+25%) from 2023

Liabilities

Down

$8,609

Down $2,283 (-21%) from 2023

Net Assets

Up

$63,726

Up $16,787 (+36%) from 2023

Operations
Liabilities / Revenue92nd percentileNet Margin93rd percentile

Revenue

Down

$17,646

Down $2,186 (-11%) from 2023

Expenses

Down

$858

Down $5,898 (-87%) from 2023

Net Income

Up

$16,788

Up $3,712 (+28%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

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

$100K$50K$0Assets 2010: $73,998Liabilities 2010: $60,906Net Assets 2010: $13,0922010Assets 2011: $57,539Liabilities 2011: $43,433Net Assets 2011: $14,1062011Assets 2012: $49,749Liabilities 2012: $43,956Net Assets 2012: $5,7932012Assets 2013: $47,661Liabilities 2013: $30,147Net Assets 2013: $17,5142013Assets 2014: $45,096Liabilities 2014: $36,408Net Assets 2014: $8,6882014Assets 2015: $43,656Liabilities 2015: $34,478Net Assets 2015: $9,1782015Assets 2016: $64,226Liabilities 2016: $44,616Net Assets 2016: $19,6102016Assets 2017: $44,494Liabilities 2017: $32,555Net Assets 2017: $11,9392017Assets 2018: $80,788Liabilities 2018: $52,268Net Assets 2018: $28,5202018Assets 2019: $97,565Liabilities 2019: $65,171Net Assets 2019: $32,3942019Assets 2020: $66,544Liabilities 2020: $53,265Net Assets 2020: $13,2792020Assets 2021: $57,323Liabilities 2021: $46,516Net Assets 2021: $10,8072021Assets 2022: $60,972Liabilities 2022: $27,109Net Assets 2022: $33,8632022Assets 2023: $57,831Liabilities 2023: $10,892Net Assets 2023: $46,9392023Assets 2024: $72,335Liabilities 2024: $8,609Net Assets 2024: $63,7262024

Highlighted filing

2024

Assets$72,335
Liabilities$8,609
Net Assets$63,726
Open 2024 Filing

Operations Trend

Revenue Growth31st percentile

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

$200K$150K$100K$50K$0-$50KRevenue 2010: $97,877Expenses 2010: $105,693Net Income 2010: -$7,8162010Revenue 2011: $63,955Expenses 2011: $62,941Net Income 2011: $1,0142011Revenue 2012: $35,747Expenses 2012: $44,060Net Income 2012: -$8,3132012Revenue 2013: $50,729Expenses 2013: $39,008Net Income 2013: $11,7212013Revenue 2014: $85,257Expenses 2014: $94,083Net Income 2014: -$8,8262014Revenue 2015: $57,085Expenses 2015: $56,595Net Income 2015: $4902015Revenue 2016: $101,089Expenses 2016: $90,657Net Income 2016: $10,4322016Revenue 2017: $24,402Expenses 2017: $32,073Net Income 2017: -$7,6712017Revenue 2018: $172,388Expenses 2018: $155,807Net Income 2018: $16,5812018Revenue 2019: $126,045Expenses 2019: $122,171Net Income 2019: $3,8742019Revenue 2020: $90,909Expenses 2020: $110,024Net Income 2020: -$19,1152020Revenue 2021: $85,606Expenses 2021: $88,078Net Income 2021: -$2,4722021Revenue 2022: $24,819Expenses 2022: $1,763Net Income 2022: $23,0562022Revenue 2023: $19,832Expenses 2023: $6,756Net Income 2023: $13,0762023Revenue 2024: $17,646Expenses 2024: $858Net Income 2024: $16,7882024

Highlighted filing

2024

Revenue$17,646
Expenses$858
Net Income$16,788
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$72,335
Liabilities
$8,609
Net assets
$63,726
Revenue
$17,646
Expenses
$858
Net income
$16,788
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.72$0.09$0.64$0.18$0.01$0.17
2023Detailed filing. Detailed filing data is available for this year.$0.58$0.11$0.47$0.20$0.07$0.13
2022Detailed filing. Detailed filing data is available for this year.$0.61$0.27$0.34$0.25$0.02$0.23
2021Detailed filing. Detailed filing data is available for this year.$0.57$0.47$0.11$0.86$0.88$0.02
2020Detailed filing. Detailed filing data is available for this year.$0.67$0.53$0.13$0.91$1.10$0.19
2019Detailed filing. Detailed filing data is available for this year.$0.98$0.65$0.32$1.26$1.22$0.04
2018Detailed filing. Detailed filing data is available for this year.$0.81$0.52$0.29$1.72$1.56$0.17
2017Detailed filing. Detailed filing data is available for this year.$0.44$0.33$0.12$0.24$0.32$0.08
2016Detailed filing. Detailed filing data is available for this year.$0.64$0.45$0.20$1.01$0.91$0.10
2015Detailed filing. Detailed filing data is available for this year.$0.44$0.34$0.09$0.57$0.57$0.00
2014Detailed filing. Detailed filing data is available for this year.$0.45$0.36$0.09$0.85$0.94$0.09
2013Detailed filing. Detailed filing data is available for this year.$0.48$0.30$0.18$0.51$0.39$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.50$0.44$0.06$0.36$0.44$0.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.58$0.43$0.14$0.64$0.63$0.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.74$0.61$0.13$0.98$1.06$0.08
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 8, 2025
Return Version
2024v5.0
Gross Receipts
$17,646
Mission and Program Overview

Mission

The Organization was formed for the purpose of developing and providing housing for low and\or moderate income persons in the City of Schenectady.

Home buyers assistance program which provides funds to home buyers of the schenectady area when other funding sources are unavailable.

Program Services

DescriptionGrantsExpenses
HOME BUYERS ASSISTANCE PROGRAM WHICH PROVIDES FUNDS TO HOME BUYERS OF THE SCHENECTADY AREA WHEN OTHER FUNDING SOURCES ARE UNAVAILABLE.-$858
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
MAURICE BROWNShdfc Direct-$0--
LAWRENCE T DAHLKE ESQChairman-$0--
CATHY LEWISVice Chairwo-$0--
MICHAEL KRYWINSKISecretary-$0--
MARION PORTERFIELDDirector-$0--
MADELYN THORNEDirector-$0--
FATHER DOMINIC ISOPODirector-$0--
MAYOR GARY MCCARTHYDirector-$0--
RON GARDNERDirector-$0--
HORACE PERRYMAN JRDirector-$0--
ANN PETERSONDirector-$0--
WILLIAM TEAGUEDirector-$0--
Filing and Contact Details

Filer

Filer Name
Schenectady Housing Development
EIN
16-1524400
Phone
5183825147
Address
105 JAY STREET ROOM 14, SCHENECTADY, NY 12305

Signing Officer

Name
Maurice Brown
Title
Shdfc Director
Phone
5183825147
Signed
2025-05-08

Preparer

Firm
Cusack & Company Cpas LLC
Address
7 AIRPORT PARK BLVD, LATHAM, NY 12110
Preparer
John J Tafilowski CPA
Phone
5187863550
Supplemental Narrative

Additional Explanations

Form 990-ez, Part II, Line 24

“Other loans receivable 10,660 8,371 total 10,660 8,371”

Form 990-ez, Part II, Line 26

“Accounts payable and accrued expenses 233 238 deferred revenue 10,660 8,371”

Form 990-ez, Part III

“Home buyers assistance program which provides funds to home buyers of the schenectady area when other funding sources are unavailable.”

Raw XML Appendix161 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
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IRS990EZ/BooksInCareOfDetail/PhoneNum05183825147
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0105 JAY STREET ROOM 14
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0SCHENECTADY
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NY
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd012305
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt047171
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IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt016788
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0858
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
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IRS990EZ/Form990TotalAssetsGrp/EOYAmt072335
IRS990EZ/GrossReceiptsAmt017646
IRS990EZ/InfoInScheduleOPartIIIInd0X
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IRS990EZ/InvestmentIncomeAmt0567
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt046938
IRS990EZ/NetAssetsOrFundBalancesEOYAmt063726
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt046938
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt100
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt110
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0MAURICE BROWN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1LAWRENCE T DAHLKE ESQ
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2CATHY LEWIS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3MICHAEL KRYWINSKI
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4MARION PORTERFIELD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5MADELYN THORNE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6FATHER DOMINIC ISOPO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7MAYOR GARY MCCARTHY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8RON GARDNER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9HORACE PERRYMAN JR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm10ANN PETERSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm11WILLIAM TEAGUE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0SHDFC DIRECT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1CHAIRMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2VICE CHAIRWO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7DIRECTOR
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt11DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt010660
IRS990EZ/OtherAssetsTotalDetail/EOYAmt08371
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
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IRS990EZ/ProgramServiceRevenueAmt017079
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IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0858
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NY
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt010893
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IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0858
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IRS990EZ/TransactionWithControlEntInd0false
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IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.CITYOFSCHENECTADY.COM
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt059880
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt059850
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IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0567
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IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt01442
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IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt059254
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.97520
IRS990ScheduleA/PublicSupportPY170Pct00.98920
IRS990ScheduleA/PublicSupportTotal170Amt0119730
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt059880
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt059850
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0119730
IRS990ScheduleA/TotalSupportAmt0122773
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0OTHER LOANS RECEIVABLE 10,660 8,371 TOTAL 10,660 8,371
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ACCOUNTS PAYABLE AND ACCRUED EXPENSES 233 238 DEFERRED REVENUE 10,660 8,371
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2HOME BUYERS ASSISTANCE PROGRAM WHICH PROVIDES FUNDS TO HOME BUYERS OF THE SCHENECTADY AREA WHEN OTHER FUNDING SOURCES ARE UNAVAILABLE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART II, LINE 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART II, LINE 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART III
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MAURICE BROWN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SHDFC DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05183825147
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SCHENECTADY HOUSING DEVELOPMENT
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0FUND CORPORATION
ReturnHeader/Filer/BusinessNameControlTxt0SCHE
ReturnHeader/Filer/EIN0161524400
ReturnHeader/Filer/PhoneNum05183825147
ReturnHeader/Filer/USAddress/AddressLine1Txt0105 JAY STREET ROOM 14
ReturnHeader/Filer/USAddress/CityNm0SCHENECTADY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd012305
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0141800427
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CUSACK & COMPANY CPAS LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07 AIRPORT PARK BLVD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LATHAM
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd012110
ReturnHeader/PreparerPersonGrp/PhoneNum05187863550
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOHN J TAFILOWSKI CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-05-08T08:24:15-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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