Civic Intelligence

Rcap Solutions Financial Services Inc.

990 • Fiscal year 2012 • EIN 20-5660521

Jul 01, 2011 to Jun 30, 2012 • Filed on Feb 15, 2013

Organization ProfileWWW.RCAPSOLUTIONS.ORG
205 School Street01440
Siviq Scores

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

Liabilities / Assets

88th percentile

0.87x

Higher debt load relative to assets than 88% of similar nonprofits.

2012 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

90th percentile

27%

Faster asset growth than 90% of similar nonprofits.

2012 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$5,906,804

Up $1,263,045 (+27%) from 2011

Net Assets

Down

$749,752

Down $1,865 (-0.2%) from 2011

Liabilities

Up

$5,157,052

Up $1,264,910 (+32%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$220,381

Down $47,347 (-18%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth90th percentile

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

$15M$10M$5.0M$0Assets 2010: $3,769,116Liabilities 2010: $2,884,896Net Assets 2010: $884,2202010Assets 2011: $4,643,759Liabilities 2011: $3,892,142Net Assets 2011: $751,6172011Assets 2012: $5,906,804Liabilities 2012: $5,157,052Net Assets 2012: $749,7522012Assets 2013: $6,751,308Liabilities 2013: $6,063,187Net Assets 2013: $688,1212013Assets 2014: $7,303,142Liabilities 2014: $6,597,269Net Assets 2014: $705,8732014Assets 2015: $7,822,649Liabilities 2015: $7,188,661Net Assets 2015: $633,9882015Assets 2016: $8,126,668Liabilities 2016: $7,531,379Net Assets 2016: $595,2892016Assets 2017: $8,873,495Liabilities 2017: $8,294,565Net Assets 2017: $578,9302017Assets 2018: $9,615,942Liabilities 2018: $9,025,211Net Assets 2018: $590,7312018Assets 2019: $11,039,311Liabilities 2019: $10,362,435Net Assets 2019: $676,8762019Assets 2020: $11,671,609Liabilities 2020: $10,984,733Net Assets 2020: $686,8762020Assets 2021: $13,066,355Liabilities 2021: $12,378,350Net Assets 2021: $688,0052021Assets 2022: $13,741,762Liabilities 2022: $13,026,239Net Assets 2022: $715,5232022Assets 2023: $14,891,250Liabilities 2023: $14,089,882Net Assets 2023: $801,3682023Assets 2024: $14,776,925Liabilities 2024: $13,904,913Net Assets 2024: $872,0122024

Highlighted filing

2012

Assets$5,906,804
Liabilities$5,157,052
Net Assets$749,752
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$300K$200K$100K$0-$100KExpenses 2010: $195,4002010Expenses 2011: $267,7282011Expenses 2012: $220,3812012Expenses 2013: $300,6802013Revenue 2014: $273,966Expenses 2014: $256,214Net Income 2014: $17,7522014Revenue 2015: $241,825Expenses 2015: $313,710Net Income 2015: -$71,8852015Revenue 2016: $180,494Expenses 2016: $219,193Net Income 2016: -$38,6992016Revenue 2017: $181,461Expenses 2017: $197,820Net Income 2017: -$16,3592017Revenue 2018: $184,051Expenses 2018: $172,250Net Income 2018: $11,8012018Revenue 2019: $248,977Expenses 2019: $162,832Net Income 2019: $86,1452019Revenue 2020: $176,482Expenses 2020: $166,482Net Income 2020: $10,0002020Revenue 2021: $143,939Expenses 2021: $142,810Net Income 2021: $1,1292021Revenue 2022: $150,052Expenses 2022: $122,534Net Income 2022: $27,5182022Revenue 2023: $215,148Expenses 2023: $129,303Net Income 2023: $85,8452023Revenue 2024: $241,664Expenses 2024: $171,020Net Income 2024: $70,6442024

Highlighted filing

2012

Revenue-
Expenses$220,381
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2011 to Jun 30, 2012
Signed
Feb 15, 2013
Return Version
2011v1.5
Gross Receipts
$218,516
Mission and Program Overview

Mission

To provide loans for individuals and families for home repair and for helping disabled families and small businesses.

Filing and Contact Details

Filer

EIN
20-5660521
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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0GAAP PRESCRIBES 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, 2012, 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. GENERALLY, THE COMPANY'S INFORMATION AND TAX RETURNS REMAIN OPEN FOR FEDERAL INCOME TAX EXAMINATION FOR THREE YEARS FROM THE FILING DATE. NO NOTICES HAVE BEEN RECEIVED FROM EITHER THE INTERNAL REVENUE SERVICE OR COMMONWEALTH OF MASSACHUSETTS ADDRESSING ANY SUBSEQUENT YEAR.
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IRS990ScheduleO/GeneralExplanation/Explanation0RCAP SOLUTIONS, INC. PROVIDES MANAGEMENT SERVICES.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CFO PREPARES THE FORM 990 AND IT IS REVIEWED BY EXECUTIVE MANAGEMENT. ONCE FINAL APPROVAL HAS BEEN OBTAINED BY EXECUTIVE MANAGEMENT, THE FORM 990 IS POSTED TO THE BOARD OF DIRECTORS WEBSITE, REVIEWED BY THE COMPENSATION COMMITTEE, AND VOTED ON FOR APPROVAL. FILING IS COMPLETED BY RCAP SOLUTIONS' AUDITING FIRM (KEVIN P. MARTIN & ASSOCIATES).
IRS990ScheduleO/GeneralExplanation/Explanation2RCAP SOLUTIONS INC 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. THIS TRAINING, COMPLIANCE AND MONITORING IS UNDER THE AUTHORITY OF THE RCAP SOLUTIONS' HUMAN RESOURCE DEPARTMENT. IN ADDITION, THE BOARD OF DIRECTORS CONDUCTS A REVIEW OF COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY ANNUALLY EACH SEPTEMBER.
IRS990ScheduleO/GeneralExplanation/Explanation3THE BOARD OF DIRECTORS HAS A COMPENSATION COMMITTEE WHICH REVIEWS AN ANNUAL STUDY PREPARED BY AN INDEPENDENT EXECUTIVE COMPENSATION CONSULTANT. THE CEO'S TOTAL COMPENSATION IS VOTED ON AND APPROVED BY THE CEO COMPENSATION COMMITTEE AND THEN BY THE FULL BOARD OF DIRECTORS ANNUALLY.
IRS990ScheduleO/GeneralExplanation/Explanation4AVAILABLE 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/Explanation5FORM 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/ReturnReference0FORM 990, PART VI, SECTION A, LINE 3
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION C, LINE 19
IRS990/ScheduleORequired01
IRS990ScheduleR/ExchangeOfAssets00
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/AddressLine10205 SCHOOL STREET
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/City0GARDNER
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/State0MA
IRS990ScheduleR/Form990ScheduleRPartII/AddressUS/ZIPCode001440
IRS990ScheduleR/Form990ScheduleRPartII/ControlledOrg00
IRS990ScheduleR/Form990ScheduleRPartII/DirectControllingEntityNA0N/A
IRS990ScheduleR/Form990ScheduleRPartII/EIN0042454675
IRS990ScheduleR/Form990ScheduleRPartII/ExemptCodeSection0501(C)(3)
IRS990ScheduleR/Form990ScheduleRPartIII/AddressUS/AddressLine10198 HARRINGTON ST B5
IRS990ScheduleR/Form990ScheduleRPartIII/AddressUS/City0ATHOL
IRS990ScheduleR/Form990ScheduleRPartIII/AddressUS/State0MA
IRS990ScheduleR/Form990ScheduleRPartIII/AddressUS/ZIPCode001331
IRS990ScheduleR/Form990ScheduleRPartIII/DirectControllingEntityNA0N/A
IRS990ScheduleR/Form990ScheduleRPartIII/EIN0010688838
IRS990ScheduleR/Form990ScheduleRPartIII/LegalDomicileState0MA
IRS990ScheduleR/Form990ScheduleRPartIII/NameOfRelatedOrg/BusinessNameLine10HAPCO LLC
IRS990ScheduleR/Form990ScheduleRPartIII/PrimaryActivity0LOW INCOME HOUSING RENTAL
IRS990ScheduleR/Form990ScheduleRPartII/LegalDomicileState0MA
IRS990ScheduleR/Form990ScheduleRPartII/NameOfDisregardedEntity/BusinessNameLine10RCAP SOLUTIONS INC
IRS990ScheduleR/Form990ScheduleRPartII/PrimaryActivities0RENTAL ASSISTANCE
IRS990ScheduleR/Form990ScheduleRPartII/PublicCharityStatus0LINE 7
IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/AddressLine10205 SCHOOL STREET
IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/City0GARDNER
IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/State0MA
IRS990ScheduleR/Form990ScheduleRPartIV/AddressUS/ZIPCode001440
IRS990ScheduleR/Form990ScheduleRPartIV/DirectControllingEntityNA0N/A
IRS990ScheduleR/Form990ScheduleRPartIV/EIN0010688835
IRS990ScheduleR/Form990ScheduleRPartIV/LegalDomicileState0MA
IRS990ScheduleR/Form990ScheduleRPartIV/NameOfRelatedOrg/BusinessNameLine10ATHOL HOUSING ASSOCIATES INC
IRS990ScheduleR/Form990ScheduleRPartIV/PrimaryActivity0LOW INCOME HOUSING RENTAL

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$5,906,804
Liabilities
$5,157,052
Net assets
$749,752
Revenue
-
Expenses
$220,381
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$14.8$13.9$0.87$0.24$0.17$0.07
2023Detailed filing. Detailed filing data is available for this year.$14.9$14.1$0.80$0.22$0.13$0.09
2022Detailed filing. Detailed filing data is available for this year.$13.7$13.0$0.72$0.15$0.12$0.03
2021Detailed filing. Detailed filing data is available for this year.$13.1$12.4$0.69$0.14$0.14$0.00
2020Detailed filing. Detailed filing data is available for this year.$11.7$11.0$0.69$0.18$0.17$0.01
2019Detailed filing. Detailed filing data is available for this year.$11.0$10.4$0.68$0.25$0.16$0.09
2018Detailed filing. Detailed filing data is available for this year.$9.62$9.03$0.59$0.18$0.17$0.01
2017Detailed filing. Detailed filing data is available for this year.$8.87$8.29$0.58$0.18$0.20$0.02
2016Detailed filing. Detailed filing data is available for this year.$8.13$7.53$0.60$0.18$0.22$0.04
2015Detailed filing. Detailed filing data is available for this year.$7.82$7.19$0.63$0.24$0.31$0.07
2014Detailed filing. Detailed filing data is available for this year.$7.30$6.60$0.71$0.27$0.26$0.02
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.75$6.06$0.69$0.30
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.91$5.16$0.75$0.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.64$3.89$0.75$0.27
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.77$2.88$0.88$0.20