Liabilities / Assets
87th percentile
Higher debt load relative to assets than 87% of similar nonprofits.
990 • Fiscal year 2011 • EIN 20-5660521
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
87th percentile
Higher debt load relative to assets than 87% of similar nonprofits.
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
85th percentile
Faster asset growth than 85% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Assets
Up$4,643,759
Up $874,643 (+23%) from 2010
Net Assets
Down$751,617
Down $132,603 (-15%) from 2010
Liabilities
Up$3,892,142
Up $1,007,246 (+35%) from 2010
Revenue
-
No earlier filing loaded for comparison.
Expenses
Up$267,728
Up $72,328 (+37%) from 2010
Net Income
-
No earlier filing loaded for comparison.
To provide loans for individuals and families for home repair and for helping disabled families and small businesses.
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReview | 0 | 0 |
| IRS990/AccountsPayableAccruedExpenses/BOY | 0 | 72903 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 308318 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/ActivityOrMissionDescription | 0 | TO PROMOTE COMMUNITY DEVELOPMENT BY IMPROVING THE SOCIAL AND ECONOMIC CONDITIONS OF UNDER-SERVED PERSONS AND DISTRESSED COMMUNITIES AND TO DEVELOP AND FOSTER SELF-SUFFICIENCY AMONG SUCH PERSONS AND COMMUNITIES. TO IMPROVE THE QUALITY OF LIFE FOR LOW-INCOME FAMILIES AND COMMUNITIES BY PROVIDING AND DEVELOPING EDUCATIONAL PROGRAMS, SERVICES, FINANCIAL AND TECHNICAL ASSISTANCE INCLUDING LOANS AND GRANTS FOR HOUSING, PROTECTION OF THE ENVIRONMENT, HUMAN SERVICES AND COMMUNITY DEVELOPMENT INCLUDING SEWER AND WATER PROJECTS. |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 205 SCHOOL STREET |
| IRS990/AddressPrincipalOfficerUS/City | 0 | GARDNER |
| IRS990/AddressPrincipalOfficerUS/State | 0 | MA |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 01440 |
| IRS990/Advertising/ProgramServices | 0 | 850 |
| IRS990/Advertising/Total | 0 | 850 |
| IRS990/AllOtherExpenses/ProgramServices | 0 | 672 |
| IRS990/AllOtherExpenses/Total | 0 | 672 |
| IRS990/AnnualDisclosureCoveredPersons | 0 | 1 |
| IRS990/AuditCommittee | 0 | 1 |
| IRS990/BenefitsPaidToMembersCY | 0 | 0 |
| IRS990/BenefitsPaidToMembersPriorYear | 0 | 0 |
| IRS990/BsnssRltnshpThruFamilyMember | 0 | 0 |
| IRS990/BsnssRltnshpWithOrganization | 0 | 0 |
| IRS990/CashNonInterestBearing/BOY | 0 | 3841 |
| IRS990/CashNonInterestBearing/EOY | 0 | 73496 |
| IRS990/ChangesToOrganizingDocs | 0 | 0 |
| IRS990/CollectionsOfArt | 0 | 0 |
| IRS990/CompensationFromOtherSources | 0 | 0 |
| IRS990/CompensationProcessCEO | 0 | 0 |
| IRS990/CompensationProcessOther | 0 | 0 |
| IRS990/ConferencesMeetings/ProgramServices | 0 | 2228 |
| IRS990/ConferencesMeetings/Total | 0 | 2228 |
| IRS990/ConflictOfInterestPolicy | 0 | 1 |
| IRS990/ConservationEasements | 0 | 0 |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | 1 |
| IRS990/ContributionsGrantsCurrentYear | 0 | 14500 |
| IRS990/ContributionsGrantsPriorYear | 0 | 21548 |
| IRS990/CreditCounseling | 0 | 0 |
| IRS990/DecisionsSubjectToApproval | 0 | 0 |
| IRS990/DeductibleContributionsOfArt | 0 | 0 |
| IRS990/DeductibleNonCashContributions | 0 | 0 |
| IRS990/DelegationOfManagementDuties | 0 | 1 |
| IRS990/DescribedIn501C3 | 0 | 1 |
| IRS990/Description | 0 | TO PROVIDE LOANS FOR INDIVIDUALS AND FAMILIES FOR HOME REPAIR AND FOR HELPING DISABLED FAMILIES AND SMALL BUSINESSES. |
| IRS990/DisregardedEntity | 0 | 0 |
| IRS990/DocumentRetentionPolicy | 0 | 1 |
| IRS990/DonorAdvisedFunds | 0 | 0 |
| IRS990/ElectionOfBoardMembers | 0 | 0 |
| IRS990/ExcessBenefitTransaction | 0 | 0 |
| IRS990/Expense | 0 | 210718 |
| IRS990/FamilyOrBusinessRelationship | 0 | 0 |
| IRS990/FederalGrantAuditRequired | 0 | 0 |
| IRS990/FeesForServicesAccounting/ProgramServices | 0 | 500 |
| IRS990/FeesForServicesAccounting/Total | 0 | 500 |
| IRS990/FeesForServicesLegal/ProgramServices | 0 | 1903 |
| IRS990/FeesForServicesLegal/Total | 0 | 1903 |
| IRS990/FeesForServicesOther/ProgramServices | 0 | 146057 |
| IRS990/FeesForServicesOther/Total | 0 | 146057 |
| IRS990/FinancialStatementConsolidated | 0 | X |
| IRS990/FollowSFAS117 | 0 | X |
| IRS990/ForeignActivities | 0 | 0 |
| IRS990/ForeignFinancialAccount | 0 | 0 |
| IRS990/ForeignOffice | 0 | 0 |
| IRS990/Form8282PropertyDisposedOf | 0 | 0 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 0 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 1 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 2 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 3 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 4 | 6.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 5 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 6 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 7 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 8 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 9 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 10 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 11 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 12 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 13 | 6.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 14 | 6.00 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 1 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 2 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 3 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 4 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 5 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 6 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 7 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 8 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 9 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 10 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 11 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 12 | X |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | SHARYN RICE |
| IRS990/Form990PartVIISectionA/NamePerson | 1 | EDWIN J SHANAHAN |
| IRS990/Form990PartVIISectionA/NamePerson | 2 | MICHAEL HEWITT |
| IRS990/Form990PartVIISectionA/NamePerson | 3 | JANIS C CONLON |
| IRS990/Form990PartVIISectionA/NamePerson | 4 | KAREN KOLLER |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | SCOTT A BARTLEY |
| IRS990/Form990PartVIISectionA/NamePerson | 6 | CYNTHIA KINGDON |
| IRS990/Form990PartVIISectionA/NamePerson | 7 | GORDON R EDMONDS |
| IRS990/Form990PartVIISectionA/NamePerson | 8 | LAURA M DOWNS |
| IRS990/Form990PartVIISectionA/NamePerson | 9 | SARAH A GALVIN |
| IRS990/Form990PartVIISectionA/NamePerson | 10 | GEORGE D JONES III |
| IRS990/Form990PartVIISectionA/NamePerson | 11 | ALEXANDRA BAVOSI |
| IRS990/Form990PartVIISectionA/NamePerson | 12 | ARNOLD H WENSKY |
| IRS990/Form990PartVIISectionA/NamePerson | 13 | BEN EL-QASEM |
| IRS990/Form990PartVIISectionA/NamePerson | 14 | OTTY WESTENFIELD |
| IRS990/Form990PartVIISectionA/Officer | 0 | X |
| IRS990/Form990PartVIISectionA/Officer | 1 | X |
| IRS990/Form990PartVIISectionA/Officer | 2 | X |
| IRS990/Form990PartVIISectionA/Officer | 3 | X |
| IRS990/Form990PartVIISectionA/Officer | 4 | X |
| IRS990/Form990PartVIISectionA/Officer | 5 | X |
| IRS990/Form990PartVIISectionA/Officer | 6 | X |
| IRS990/Form990PartVIISectionA/OtherCompensation | 0 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 1 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 2 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 3 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 4 | 4807 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 5 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 6 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 7 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 8 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 9 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 10 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 11 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 12 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 13 | 12897 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 14 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 7 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 8 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 9 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 10 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 11 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 12 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 13 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 14 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 4 | 193336 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 7 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 8 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 9 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 10 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 11 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 12 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 13 | 129430 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 14 | 0 |
| IRS990/Form990PartVIISectionA/Title | 0 | CHAIRMAN |
| IRS990/Form990PartVIISectionA/Title | 1 | VICE-CHAIR |
| IRS990/Form990PartVIISectionA/Title | 2 | TREASURER |
| IRS990/Form990PartVIISectionA/Title | 3 | IMMEDIATE PAST CHAIR |
| IRS990/Form990PartVIISectionA/Title | 4 | PRESIDENT/CLERK |
| IRS990/Form990PartVIISectionA/Title | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 8 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 9 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 10 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 11 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 12 | DIRECTOR |
| IRS990/Form990PartVIISectionA/Title | 13 | CFO THROUGH OCTOBER 2010 |
| IRS990/Form990PartVIISectionA/Title | 14 | CFO AS OF FEBRUARY 2011 |
| IRS990/Form990ProvidedToGoverningBody | 0 | 1 |
| IRS990/FormersListed | 0 | 0 |
| IRS990/FSAudited | 0 | 1 |
| IRS990/FundraisingActivities | 0 | 0 |
| IRS990/FundsToPayPremiums | 0 | 0 |
| IRS990/Gaming | 0 | 0 |
| IRS990/GovernmentGrants | 0 | 14500 |
| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsAndSimilarAmntsPriorYear | 0 | 0 |
| IRS990/GrantsToIndividuals | 0 | 0 |
| IRS990/GrantsToOrganizations | 0 | 0 |
| IRS990/GrantToRelatedPerson | 0 | 0 |
| IRS990/GrossReceipts | 0 | 135125 |
| IRS990/GroupReturnForAffiliates | 0 | 0 |
| IRS990/Hospital | 0 | 0 |
| IRS990/IndependentAuditFinancialStmt | 0 | 0 |
| IRS990/IndoorTanningServices | 0 | 0 |
| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InfoInScheduleOPartXII | 0 | X |
| IRS990/InvestmentIncomeCurrentYear | 0 | 0 |
| IRS990/InvestmentIncomePriorYear | 0 | 0 |
| IRS990/InvestmentInJointVenture | 0 | 0 |
| IRS990/LoanToOfficerOrDQP | 0 | 1 |
| IRS990/LobbyingActivities | 0 | 0 |
| IRS990/LocalChapters | 0 | 0 |
| IRS990/MaterialDiversionOrMisuse | 0 | 0 |
| IRS990/MembersOrStockholders | 0 | 0 |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | 1 |
| IRS990/MinutesOfGoverningBody | 0 | 1 |
| IRS990/MissionDescription | 0 | TO PROVIDE LOANS FOR INDIVIDUALS AND FAMILIES FOR HOME REPAIR AND FOR HELPING DISABLED FAMILIES AND SMALL BUSINESSES. |
| IRS990/MoreThan5000KToIndividuals | 0 | 0 |
| IRS990/MoreThan5000KToOrganizations | 0 | 0 |
| IRS990/NameOfPrincipalOfficerPerson | 0 | KAREN KOLLER |
| IRS990/NbrIndependentVotingMembers | 0 | 12 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 13 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 13 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 884220 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 751617 |
| IRS990/NetUnrelatedBusinessTxblIncome | 0 | 0 |
| IRS990/NonDeductibleContributions | 0 | 0 |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 1 |
| IRS990/NumberIndependentVotingMembers | 0 | 12 |
| IRS990/NumberIndividualsGT100K | 0 | 0 |
| IRS990/NumberOfContractorsGT100K | 0 | 0 |
| IRS990/NumberOfEmployees | 0 | 0 |
| IRS990/NumberW2GIncluded | 0 | 0 |
| IRS990/Occupancy/ManagementAndGeneral | 0 | 57010 |
| IRS990/Occupancy/ProgramServices | 0 | 15063 |
| IRS990/Occupancy/Total | 0 | 72073 |
| IRS990/OfficeExpenses/ProgramServices | 0 | 4847 |
| IRS990/OfficeExpenses/Total | 0 | 4847 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | 0 |
| IRS990/OfficerMailingAddress | 0 | 0 |
| IRS990/Organization501c3 | 0 | X |
| IRS990/OtherExpensePriorYear | 0 | 106161 |
| IRS990/OtherExpensesCurrentYear | 0 | 267728 |
| IRS990/OtherExpenses/Description | 0 | BAD DEBT EXPENSE |
| IRS990/OtherExpenses/Description | 1 | PROGRAM SUPPLIES |
| IRS990/OtherExpenses/Description | 2 | STAFF TRAINING |
| IRS990/OtherExpenses/Description | 3 | MEALS |
| IRS990/OtherExpenses/ProgramServices | 0 | 27500 |
| IRS990/OtherExpenses/ProgramServices | 1 | 5149 |
| IRS990/OtherExpenses/ProgramServices | 2 | 2519 |
| IRS990/OtherExpenses/ProgramServices | 3 | 828 |
| IRS990/OtherExpenses/Total | 0 | 27500 |
| IRS990/OtherExpenses/Total | 1 | 5149 |
| IRS990/OtherExpenses/Total | 2 | 2519 |
| IRS990/OtherExpenses/Total | 3 | 828 |
| IRS990/OtherLiabilities/BOY | 0 | 2561598 |
| IRS990/OtherLiabilities/EOY | 0 | 3032728 |
| IRS990/OtherNotesLoansReceivableNet/BOY | 0 | 3120842 |
| IRS990/OtherNotesLoansReceivableNet/EOY | 0 | 3862264 |
| IRS990/OtherRevenueCurrentYear | 0 | 0 |
| IRS990/OtherRevenuePriorYear | 0 | 0 |
| IRS990/OtherWebsite | 0 | X |
| IRS990/PartialLiquidation | 0 | 0 |
| IRS990/PledgesAndGrantsReceivable/EOY | 0 | 22895 |
| IRS990/PoliticalActivities | 0 | 0 |
| IRS990/PremiumsPaid | 0 | 0 |
| IRS990/PrepaidExpensesDeferredCharges/EOY | 0 | 785 |
| IRS990/PriorExcessBenefitTransaction | 0 | 0 |
| IRS990/ProfessionalFundraising | 0 | 0 |
| IRS990/ProgramServiceRevenue/BusinessCode | 0 | 522291 |
| IRS990/ProgramServiceRevenue/BusinessCode | 1 | 522291 |
| IRS990/ProgramServiceRevenue/BusinessCode | 2 | 522291 |
| IRS990/ProgramServiceRevenueCY | 0 | 120625 |
| IRS990/ProgramServiceRevenue/Description | 0 | LOAN PROCESSING FEES |
| IRS990/ProgramServiceRevenue/Description | 1 | INTEREST ON NOTES RECE |
| IRS990/ProgramServiceRevenue/Description | 2 | CONSULTANT SERVICES |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 73342 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 65814 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 1 | 44811 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 2 | 10000 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 65814 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 1 | 44811 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 2 | 10000 |
| IRS990/ProhibitedTaxShelterTrans | 0 | 0 |
| IRS990/QuidProQuoContributions | 0 | 0 |
| IRS990/ReceivablesFromDisqualPersons/BOY | 0 | 3823 |
| IRS990/ReceivablesFromDisqualPersons/EOY | 0 | 2757 |
| IRS990/ReconcilationOtherChanges | 0 | 0 |
| IRS990/ReconcilationRevenueExpenses | 0 | -132603 |
| IRS990/RegularMonitoringEnforcement | 0 | 1 |
| IRS990/RelatedEntity | 0 | 1 |
| IRS990/RelatedOrgControlledEntity | 0 | 0 |
| IRS990/ReportFin48Footnote | 0 | 1 |
| IRS990/ReportInvestOthSecurities | 0 | 0 |
| IRS990/ReportLandBldgEquip | 0 | 0 |
| IRS990/ReportOtherAssets | 0 | 0 |
| IRS990/ReportOtherLiabilities | 0 | 1 |
| IRS990/ReportProgRelInvest | 0 | 0 |
| IRS990/Revenue | 0 | 120625 |
| IRS990/RevenuesLessExpensesCY | 0 | -132603 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | -100510 |
| IRS990/SalariesEtcCurrentYear | 0 | 0 |
| IRS990/SalariesEtcPriorYear | 0 | 89239 |
| IRS990/SavingsAndTempCashInvestments/BOY | 0 | 640610 |
| IRS990/SavingsAndTempCashInvestments/EOY | 0 | 681562 |
| IRS990ScheduleA/ContribBy35ControlledEntity | 0 | 0 |
| IRS990ScheduleA/ContribByControllingIndividual | 0 | 0 |
| IRS990ScheduleA/ContributionByRelatedParty | 0 | 0 |
| IRS990ScheduleA/SumOfAmounts | 0 | 267728 |
| IRS990ScheduleA/SupportedOrgInformation/Amount | 0 | 267728 |
| IRS990ScheduleA/SupportedOrgInformation/EIN | 0 | 042454675 |
| IRS990ScheduleA/SupportedOrgInformation/ListedInGoverningDoc | 0 | 0 |
| IRS990ScheduleA/SupportedOrgInformation/Name/BusinessNameLine1 | 0 | RCAP SOLUTIONS INC |
| IRS990ScheduleA/SupportedOrgInformation/OrganizedInUS | 0 | 1 |
| IRS990ScheduleA/SupportedOrgInformation/SupportedOrganizationNotified | 0 | 1 |
| IRS990ScheduleA/SupportedOrgInformation/TypeOfOrganization | 0 | LINE 7 |
| IRS990ScheduleA/SupportingOrg509a3Type1 | 0 | X |
| IRS990ScheduleA/SupportingOrganization509a3 | 0 | X |
| IRS990ScheduleA/TotalNumberOfSupportedOrgs | 0 | 1 |
| IRS990ScheduleA/WrittenIRSDetermination | 0 | X |
| IRS990ScheduleB/ContributorInfo/AggregateContributions | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorNameBusiness/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorNumber | 0 | RESTRICTED |
| IRS990/ScheduleBRequired | 0 | 1 |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation | 0 | THE COMPANY HAS ADOPTED THE PROVISIONS OF GAAP WHICH PRESCRIBE A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. FOR THOSE BENEFITS TO BE RECOGNIZED, A TAX POSITION MUST BE MORE-LIKELY-THAN-NOT TO BE SUSTAINED UPON EXAMINATION BY TAXING AUTHORITIES. FOR THE YEAR ENDED JUNE 30, 2011, THE COMPANY DOES NOT BELIEVE ITS FINANCIAL STATEMENTS INCLUDE ANY UNCERTAIN TAX POSITIONS. THE COMPANY RECOGNIZES INTEREST AND PENALTIES, IF ANY, RELATED TO UNRECOGNIZED TAX BENEFITS IN INTEREST EXPENSE. ALL TAX YEARS PRIOR TO 2007 ARE CLOSED VIA THE PASSING OF THE STATUTE OF LIMITATIONS. NO NOTICES HAVE BEEN RECEIVED FROM EITHER THE INTERNAL REVENUE SERVICE OR COMMONWEALTH OF MASSACHUSETTS ADDRESSING ANY SUBSEQUENT YEAR. |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier | 0 | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
| IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference | 0 | PART X: |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 3032728 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | CONTRACTS AND GRANTS REFUNDABLE |
| IRS990ScheduleD/TotalOfAmounts | 0 | 3032728 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 0 |
| IRS990ScheduleJ/AnyNonFixedPayments | 0 | 0 |
| IRS990ScheduleJ/BoardOrCommitteeApproval | 0 | X |
| IRS990ScheduleJ/CompBasedNetEarningsFilingOrg | 0 | 0 |
| IRS990ScheduleJ/CompBasedNetEarningsRelateOrgs | 0 | 0 |
| IRS990ScheduleJ/CompBasedOnRevenueOfFilingOrg | 0 | 0 |
| IRS990ScheduleJ/CompBasedOnRevenueRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/EquityBasedCompArrangement | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs | 0 | 182585 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs | 0 | 1920 |
| IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson | 0 | KAREN KOLLER |
| IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs | 0 | 2887 |
| IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs | 0 | 10751 |
| IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs | 0 | 198143 |
| IRS990ScheduleJ/IndependentConsultant | 0 | X |
| IRS990ScheduleJ/InitialContractException | 0 | 0 |
| IRS990/ScheduleJRequired | 0 | 1 |
| IRS990ScheduleJ/SeverancePayment | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRetirePlan | 0 | 0 |
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| IRS990ScheduleL/LoanTable/BalanceDue | 0 | 2757 |
| IRS990ScheduleL/LoanTable/Default | 0 | 0 |
| IRS990ScheduleL/LoanTable/LoanFromOrganization | 0 | X |
| IRS990ScheduleL/LoanTable/NamePerson | 0 | JOHN A KOLLER |
| IRS990ScheduleL/LoanTable/OriginalPrincipalAmount | 0 | 6000 |
| IRS990ScheduleL/LoanTable/PurposeOfLoan | 0 | LOAN MODIFICATION |
| IRS990ScheduleL/LoanTable/WrittenAgreement | 0 | 1 |
| IRS990ScheduleL/TotalBalanceDue | 0 | 2757 |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | RCAP SOLUTIONS, INC. PROVIDES MANAGEMENT SERVICES. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | THE CFO REVIEWS THE 990 WITH THE MANAGEMENT STAFF. AFTER THE FINAL APPROVAL, THE FORM 990 IS E-MAILED TO THE BOARD OF DIRECTORS. FILING IS COMPLETED BY THE AUDIT FIRM. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | THERE IS AN ANNUAL REVIEW OF THE POLICY. ALL STAFF MUST SIGN. RCAP SOLUTIONS CONDUCTS POLICY AND PROCEDURE TRAINING TO ALL EMPLOYEES AND STAFF ON AN ANNUAL BASIS. AS PART OF THE TRAINING THE RCAP SOLUTIONS CONFLICT OF INTEREST POLICY IS COVERED. ADDITIONALLY, ALL NEW EMPLOYEES UNDERGO A THOROUGH NEW EMPLOYEE ORIENTATION PROGRAM. AS PART OF THE ORIENTATION TRAINING THE RCAP SOLUTIONS CONFLICT OF INTEREST POLICY IS COVERED AS WELL AS THE REQUIREMENT FOR NEW EMPLOYEES TO COMPLETE AND SIGN THE RCAP SOLUTIONS CONFLICT OF INTEREST QUESTIONNAIRE. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | AVAILABLE UPON REQUEST OR BY INSPECTION AT THE GARDNER OFFICE. REQUESTS SHOULD BE DIRECTED TO THE PRESIDENT OF THE BOARD OF DIRECTORS. IN ADDITION, THE FORM 990 IS AVAILABLE VIA GUIDESTAR AND THE MASSACHUSETTS ATTORNEY GENERAL'S WEBSITE. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | FORM 990, PART XII, LINE 2C EXPLANATION: THERE HAVE BEEN NO CHANGES FROM THE PRIOR YEAR IN THE METHODS USED BY THE COMMITTEE RESPONSIBLE FOR OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT ACCOUNTANT. |
| IRS990ScheduleO/GeneralExplanation/Identifier | 0 | FORM 990, PART VI, SECTION A, LINE 3 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 1 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | FORM 990, PART VI, SECTION C, LINE 19 |
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| IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City | 0 | GARDNER |
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| IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/ZIPCode | 0 | 01440 |
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| IRS990ScheduleR/Form990ScheduleRPartII/DirectControllingEntityNA | 0 | N/A |
| IRS990ScheduleR/Form990ScheduleRPartII/EIN | 0 | 042454675 |
| IRS990ScheduleR/Form990ScheduleRPartII/ExemptCodeSection | 0 | 501(C)(3) |
| IRS990ScheduleR/Form990ScheduleRPartIII/AddressUS/AddressLine1 | 0 | 198 HARRINGTON ST B5 |
| IRS990ScheduleR/Form990ScheduleRPartIII/AddressUS/City | 0 | ATHOL |
| IRS990ScheduleR/Form990ScheduleRPartIII/AddressUS/State | 0 | MA |
| IRS990ScheduleR/Form990ScheduleRPartIII/AddressUS/ZIPCode | 0 | 01331 |
| IRS990ScheduleR/Form990ScheduleRPartIII/DirectControllingEntityNA | 0 | N/A |
| IRS990ScheduleR/Form990ScheduleRPartIII/EIN | 0 | 010688838 |
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| IRS990ScheduleR/Form990ScheduleRPartIII/NameOfRelatedOrg/BusinessNameLine1 | 0 | HAPCO LLC |
| IRS990ScheduleR/Form990ScheduleRPartIII/PrimaryActivity | 0 | LOW INCOME HOUSING RENTAL |
| IRS990ScheduleR/Form990ScheduleRPartII/LegalDomicileState | 0 | MA |
| IRS990ScheduleR/Form990ScheduleRPartII/NameOfDisregardedEntity/BusinessNameLine1 | 0 | RCAP INC |
| IRS990ScheduleR/Form990ScheduleRPartII/PrimaryActivities | 0 | RENTAL ASSISTANCE |
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| IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/City | 0 | GARDNER |
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| IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/ZIPCode | 0 | 01440 |
| IRS990ScheduleR/Form990ScheduleRPartIV/DirectControllingEntityNA | 0 | N/A |
| IRS990ScheduleR/Form990ScheduleRPartIV/EIN | 0 | 010688835 |
| IRS990ScheduleR/Form990ScheduleRPartIV/LegalDomicileState | 0 | MA |
| IRS990ScheduleR/Form990ScheduleRPartIV/NameOfRelatedOrg/BusinessNameLine1 | 0 | ATHOL HOUSING ASSOCIATES INC |
| IRS990ScheduleR/Form990ScheduleRPartIV/PrimaryActivity | 0 | LOW INCOME HOUSING RENTAL |
| IRS990ScheduleR/Form990ScheduleRPartIV/TypeOfEntity | 0 | C |
| IRS990ScheduleR/GiftGrantOrCapContrFrOtherOrg | 0 | 0 |
| IRS990ScheduleR/GiftGrantOrCapContrToOtherOrg | 0 | 0 |
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Displayed year
2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.