Civic Intelligence

Valley Community Housing Corporation

990 • Fiscal year 2021 • EIN 20-0001916

Jan 01, 2021 to Dec 31, 2021 • Filed on Jun 06, 2022

Organization ProfileLUMINEST.ORG

View Organization Page

82 West Queen StreetChambersburg, PA 17201

(717) 977-3900

Siviq Scores

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

Liabilities / Assets

57th percentile

0.11x

Higher debt load relative to assets than 57% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

75th percentile

0.35x

Higher debt load relative to revenue than 75% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Net Margin

82nd percentile

41%

Higher net margin than 82% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

81st percentile

$133,521

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 9.4% of source-year revenue.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Asset Growth

51st percentile

9.9%

Faster asset growth than 51% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

36th percentile

2.2%

Faster revenue growth than 36% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets57th percentile

Assets

Up

$4,661,096

Up $421,166 (+9.9%) from 2020

Net Assets

Up

$4,156,710

Up $555,066 (+15%) from 2020

Liabilities

Down

$504,386

Down $133,900 (-21%) from 2020

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin82nd percentile

Revenue

Up

$1,424,914

Up $30,640 (+2.2%) from 2020

Expenses

Up

$838,132

Up $239,268 (+40%) from 2020

Net Income

Down

$586,782

Down $208,628 (-26%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth51st percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $1,138,124Liabilities 2010: $103,390Net Assets 2010: $1,034,7342010Assets 2011: $1,142,451Liabilities 2011: $56,266Net Assets 2011: $1,086,1852011Assets 2012: $1,157,168Liabilities 2012: $97,048Net Assets 2012: $1,060,1202012Assets 2013: $1,363,510Liabilities 2013: $192,637Net Assets 2013: $1,170,8732013Assets 2014: $1,904,416Liabilities 2014: $212,209Net Assets 2014: $1,692,2072014Assets 2015: $2,077,880Liabilities 2015: $215,374Net Assets 2015: $1,862,5062015Assets 2016: $2,234,675Liabilities 2016: $10,447Net Assets 2016: $2,224,2282016Assets 2017: $2,972,447Liabilities 2017: $69,775Net Assets 2017: $2,902,6722017Assets 2018: $2,743,287Liabilities 2018: $244,806Net Assets 2018: $2,498,4812018Assets 2019: $2,995,237Liabilities 2019: $230,918Net Assets 2019: $2,764,3192019Assets 2020: $4,239,930Liabilities 2020: $638,286Net Assets 2020: $3,601,6442020Assets 2021: $4,661,096Liabilities 2021: $504,386Net Assets 2021: $4,156,7102021Assets 2022: $4,607,027Liabilities 2022: $303,951Net Assets 2022: $4,303,0762022Assets 2023: $4,976,540Liabilities 2023: $512,768Net Assets 2023: $4,463,7722023Assets 2024: $5,548,057Liabilities 2024: $791,726Net Assets 2024: $4,756,3312024

Highlighted filing

2021

Assets$4,661,096
Liabilities$504,386
Net Assets$4,156,710
Open 2021 Filing

Operations Trend

Revenue Growth36th percentile

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

$2.0M$1.0M$0-$1.0MExpenses 2010: $93,3032010Expenses 2011: $130,0892011Expenses 2012: $91,4532012Revenue 2013: $384,682Expenses 2013: $290,118Net Income 2013: $94,5642013Revenue 2014: $907,404Expenses 2014: $383,242Net Income 2014: $524,1622014Revenue 2015: $459,242Expenses 2015: $260,495Net Income 2015: $198,7472015Revenue 2016: $576,383Expenses 2016: $232,700Net Income 2016: $343,6832016Revenue 2017: $961,733Expenses 2017: $318,517Net Income 2017: $643,2162017Revenue 2018: $192,652Expenses 2018: $529,140Net Income 2018: -$336,4882018Revenue 2019: $879,355Expenses 2019: $698,694Net Income 2019: $180,6612019Revenue 2020: $1,394,274Expenses 2020: $598,864Net Income 2020: $795,4102020Revenue 2021: $1,424,914Expenses 2021: $838,132Net Income 2021: $586,7822021Revenue 2022: $1,241,215Expenses 2022: $955,094Net Income 2022: $286,1212022Revenue 2023: $1,418,445Expenses 2023: $1,342,613Net Income 2023: $75,8322023Revenue 2024: $1,726,239Expenses 2024: $1,461,374Net Income 2024: $264,8652024

Highlighted filing

2021

Revenue$1,424,914
Expenses$838,132
Net Income$586,782
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Jun 6, 2022
Return Version
2021v4.0
Gross Receipts
$1,741,801
Mission and Program Overview

Mission

To provide decent housing that is affordable to low and moderate income people and such other activities as the pennsylvania not-for-profit law may allow.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$978,754$1,097,048▲ $118,294
Accounts Receivable$799,347$1,048,146▲ $248,799
Land, Buildings, and Equipment, Net$583,626$568,228▼ $15,398
Investments Program Related$360,703$331,381▼ $29,322
Savings and Temporary Cash Investments$31,969$229,027▲ $197,058
Other Notes and Loans Receivable, Net$170,000$170,000→ $0
Inventories for Sale or Use-$125,938-
Prepaid Expenses and Deferred Charges$6,746$4,786▼ $1,960
Cash and Non-Interest-Bearing Accounts$100$100→ $0
Total Assets$4,239,930$4,661,096▲ $421,166
Other Assets Total$1,308,685$1,086,442▼ $222,243
Liabilities
Mortgage Notes Payable Secured by Investment Property$490,000$462,052▼ $27,948
Accounts Payable and Accrued Expenses$145,606$37,593▼ $108,013
Other Liabilities$2,680$2,681▲ $1
Deferred Revenue-$2,060-
Total Liabilities$638,286$504,386▼ $133,900
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,601,644$4,156,710▲ $555,066
Total Net Assets Fund Balance$3,601,644$4,156,710▲ $555,066
Total Liabilities and Net Assets / Fund Balance$4,239,930$4,661,096▲ $421,166

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$436,701$31,425$468,126
Land$98,708-$98,708
Equipment$27,399$28,673$56,072
Other Land Buildings$5,420$1,027$6,447
Investment Program Related Org$48--
Other Assets Org$1,957--
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bonnie ZehlerExecutive DiFT$116,598$16,923$133,521
Bryan KnollComptrollerFT$71,045$13,552$84,597

Board Members and Trustees

NameTitle
Matt GunderChair
Alexandra SipeVice Chair
Annette SearfossDirector
John BlubaughDirector
Michelle LaneDirector
Mike RossDirector
Olaf HasseDirector
Denise EsserSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$488,010
Program Service Revenue
$796,851
Investment Income
$137,528
Other Revenue
$2,525
All Other Contributions
$725
Change in Net Assets
$586,782
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$466,967
Other Expenses$371,165
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$134,591$93,527-$228,118
Other Salaries and Wages$105,257$73,145-$178,402
Interest$42,288--$42,288
Payroll Taxes$19,163$13,317-$32,480
Fees for Services Other-$28,197-$28,197
Depreciation Depletion$11,710$8,137-$19,847
Other Employee Benefits$11,176$7,763-$18,939
Office Expenses$7,160$4,976-$12,136
Fees for Services Accounting-$11,145-$11,145
Pension Plan Contributions$5,326$3,702-$9,028
Fees for Service Investment Mgmnt Fees-$8,209-$8,209
Insurance$1,997$5,992-$7,989
Occupancy$4,117$2,860-$6,977
Advertising$1,646$1,143-$2,789
Other Expenses$1,282$891-$2,173
Fees for Services Legal$955$664-$1,619
All Other Expenses$263$182-$445
Travel$111$77-$188
Total Functional Expenses$560,055$278,077$0$838,132
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

Other Reported Liabilities

LiabilityAmount
Security Deposit$2,681
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
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, Page 6, Part VI, Line 11B

“The board of directors is provided a copy of the form 990 to review before filing the return.”

Form 990, Page 6, Part VI, Line 12C

“Conflict of interest statements are reviewed on an annual basis to determine if any conflicts of interest exist.”

Form 990, Page 6, Part VI, Line 15A

“The compensation of the executive director was reviewed and set by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“Luminest, inc. Makes available for public inspection a completed form 990 along with their application for exemption for a period of 3 years, starting on the date the form 990 is filed. A request for a copy of the form 990 and application for exemption can be made at the luminest, inc. Office in chambersburg pennsylvania, during normal business hours.”

Filing and Contact Details

Filer

Filer Name
Luminest Inc
EIN
20-0001916
Phone
7179773900
Address
82 WEST QUEEN STREET, CHAMBERSBURG, PA 17201

Signing Officer

Name
Bonnie Zehler
Title
Executive Director
Phone
7172634200
Signed
2022-06-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bonnie Zehler
Formed
2002
Legal Domicile
Pa
Voting Board Members
9
Independent Board Members
8
Employees
25

Preparer

Firm
Smith Elliott Kearns & Company LLC
Address
19 BROOKWOOD AVE STE 101, CARLISLE, PA 17015
Preparer
Gregory P Hall CPA
Phone
7172439104
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 3, Part X

“The organization follows generally accepted accounting principles, which provides guidance on accounting for uncertainty in income taxes recognized in an organization's financial statements. The organization's policy is to charge penalties and interest to income tax expense as incurred. The organization's federal and state information returns are subject to examination by the internal revenue service and state tax authorities, generally for a period of three years after the returns are filed.”

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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/OtherExpensesGrp/Desc1MISCELLANEOUS EXPENSE
IRS990/OtherExpensesGrp/Desc2TRAINING
IRS990/OtherExpensesGrp/Desc3MEMBERSHIP DUES
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IRS990/OtherExpensesGrp/ProgramServicesAmt21282
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IRS990/PayrollTaxesGrp/TotalAmt032480
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt03702
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt05326
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IRS990/ProgramServiceRevenueGrp/Desc0DEVELOPER'S FEE
IRS990/ProgramServiceRevenueGrp/Desc1MANAGEMENT & INCENTIVE FEE
IRS990/ProgramServiceRevenueGrp/Desc2RENTAL INCOME
IRS990/ProgramServiceRevenueGrp/Desc3ADMINISTRATION SERVICE FEE
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1189511
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt232340
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt35000
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1189511
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt232340
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt35000
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IRS990/PYProgramServiceRevenueAmt01003002
IRS990/PYRevenuesLessExpensesAmt0795410
IRS990/PYSalariesCompEmpBnftPaidAmt0383633
IRS990/PYTotalExpensesAmt0598864
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IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0586782
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0true
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt031969
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0338576
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0113224
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt02000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0941810
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt083241
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt039540
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt042772
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt044368
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt033978
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0243899
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt03571937
IRS990ScheduleA/PublicOrganization170Ind0X
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IRS990ScheduleA/PublicSupportPY170Pct00.71190
IRS990ScheduleA/PublicSupportTotal170Amt0941810
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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0338576
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0113224
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt02000
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0941810
IRS990ScheduleA/TotalSupportAmt01185709
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
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IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt031425
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt028673
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1150810
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt248
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENT IN VALLEY TERRACE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1INVESTMENT IN WAYNE GARDENS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2INVESTMENT IN PARKVIEW
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt11957
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0DEVELOPER'S FEE RECEIVABLE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1SECURITY DEPOSITS
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02681
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SECURITY DEPOSIT
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION FOLLOWS GENERALLY ACCEPTED ACCOUNTING PRINCIPLES, WHICH PROVIDES GUIDANCE ON ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES RECOGNIZED IN AN ORGANIZATION'S FINANCIAL STATEMENTS. THE ORGANIZATION'S POLICY IS TO CHARGE PENALTIES AND INTEREST TO INCOME TAX EXPENSE AS INCURRED. THE ORGANIZATION'S FEDERAL AND STATE INFORMATION RETURNS ARE SUBJECT TO EXAMINATION BY THE INTERNAL REVENUE SERVICE AND STATE TAX AUTHORITIES, GENERALLY FOR A PERIOD OF THREE YEARS AFTER THE RETURNS ARE FILED.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt01086442
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IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS IS PROVIDED A COPY OF THE FORM 990 TO REVIEW BEFORE FILING THE RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CONFLICT OF INTEREST STATEMENTS ARE REVIEWED ON AN ANNUAL BASIS TO DETERMINE IF ANY CONFLICTS OF INTEREST EXIST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE COMPENSATION OF THE EXECUTIVE DIRECTOR WAS REVIEWED AND SET BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3LUMINEST, INC. MAKES AVAILABLE FOR PUBLIC INSPECTION A COMPLETED FORM 990 ALONG WITH THEIR APPLICATION FOR EXEMPTION FOR A PERIOD OF 3 YEARS, STARTING ON THE DATE THE FORM 990 IS FILED. A REQUEST FOR A COPY OF THE FORM 990 AND APPLICATION FOR EXEMPTION CAN BE MADE AT THE LUMINEST, INC. OFFICE IN CHAMBERSBURG PENNSYLVANIA, DURING NORMAL BUSINESS HOURS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleR/AssetExchangeInd0false
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
IRS990ScheduleR/DivRelatedOrganizationInd0false

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,661,096
Liabilities
$504,386
Net assets
$4,156,710
Revenue
$1,424,914
Expenses
$838,132
Net income
$586,782
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.55$0.79$4.76$1.73$1.46$0.26
2023Detailed filing. Detailed filing data is available for this year.$4.98$0.51$4.46$1.42$1.34$0.08
2022Detailed filing. Detailed filing data is available for this year.$4.61$0.30$4.30$1.24$0.96$0.29
2021Detailed filing. Detailed filing data is available for this year.$4.66$0.50$4.16$1.42$0.84$0.59
2020Detailed filing. Detailed filing data is available for this year.$4.24$0.64$3.60$1.39$0.60$0.80
2019Summary only. Only limited summary data is available for this year.$3.00$0.23$2.76$0.88$0.70$0.18
2018Detailed filing. Detailed filing data is available for this year.$2.74$0.24$2.50$0.19$0.53$0.34
2017Detailed filing. Detailed filing data is available for this year.$2.97$0.07$2.90$0.96$0.32$0.64
2016Detailed filing. Detailed filing data is available for this year.$2.23$0.01$2.22$0.58$0.23$0.34
2015Detailed filing. Detailed filing data is available for this year.$2.08$0.22$1.86$0.46$0.26$0.20
2014Detailed filing. Detailed filing data is available for this year.$1.90$0.21$1.69$0.91$0.38$0.52
2013Detailed filing. Detailed filing data is available for this year.$1.36$0.19$1.17$0.38$0.29$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.16$0.10$1.06$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.14$0.06$1.09$0.13
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.14$0.10$1.03$0.09