Liabilities / Assets
89th percentile
Higher debt load relative to assets than 89% of similar nonprofits.
Rcap Solutions Financial Services Inc.
990 • Fiscal year 2016 • EIN 20-5660521
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.93x
Liabilities / Revenue
99th percentile
Higher debt load relative to revenue than 99% of similar nonprofits.
Net Margin
13th percentile
Higher net margin than 13% of similar nonprofits.
Top Officer Pay
84th percentile
Higher top officer pay than 84% of similar nonprofits.
Top officer pay equals 138.7% of source-year revenue.
Asset Growth
59th percentile
Faster asset growth than 59% of similar nonprofits.
Revenue Growth
12th percentile
Faster revenue growth than 12% of similar nonprofits.
Balance Sheet
Assets
Up$8,126,668
Up $304,019 (+3.9%) from 2015
Net Assets
Down$595,289
Down $38,699 (-6.1%) from 2015
Liabilities
Up$7,531,379
Up $342,718 (+4.8%) from 2015
Revenue And Expenses
Revenue
Down$180,494
Down $61,331 (-25%) from 2015
Expenses
Down$219,193
Down $94,517 (-30%) from 2015
Net Income
Up-$38,699
Up $33,186 (+46%) from 2015
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jul 1, 2015 to Jun 30, 2016
- Signed
- Mar 21, 2017
- Return Version
- 2015v3.0
- Gross Receipts
- $180,494
Mission and Program Overview
Mission
To provide loans for individuals and families for home repair and for helping disabled families and small businesses.
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.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $6,297,835 | $6,679,254 | ▲ $381,419 |
| Savings and Temporary Cash Investments | $1,426,364 | $1,396,356 | ▼ $30,008 |
| Cash and Non-Interest-Bearing Accounts | $27,367 | $27,435 | ▲ $68 |
| Pledges and Grants Receivable | $71,083 | $21,767 | ▼ $49,316 |
| Prepaid Expenses and Deferred Charges | - | $1,856 | - |
| Total Assets | $7,822,649 | $8,126,668 | ▲ $304,019 |
| Liabilities | |||
| Other Liabilities | $6,292,071 | $7,032,376 | ▲ $740,305 |
| Unsecured Notes Loans Payable | $816,505 | $431,627 | ▼ $384,878 |
| Accounts Payable and Accrued Expenses | $80,085 | $67,376 | ▼ $12,709 |
| Total Liabilities | $7,188,661 | $7,531,379 | ▲ $342,718 |
| Net Assets / Fund Balance | |||
| Unrestricted Net Assets | $633,988 | $595,289 | ▼ $38,699 |
| Total Net Assets Fund Balance | $633,988 | $595,289 | ▼ $38,699 |
| Total Liabilities and Net Assets / Fund Balance | $7,822,649 | $8,126,668 | ▲ $304,019 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Other | Total |
|---|---|---|---|---|
| Krystyna Dougert | CFO (thru Jul 2016) | PT | $148,627 | $148,627 |
Board Members and Trustees
| Name | Title |
|---|---|
| Laura M Downs | Chairman of the Board |
| Edwin J Shanahan Iom Cae | Immediate Past Chair |
| Karen a Koller | President & CEO |
| Heather Dumais | Vice Chair |
| Chantel Bethea | Director |
| Clementine Bihiga | Director |
| Jessica Murdoch | Director |
| Karen Slack | Director |
| Laura Mcgee | Director |
| Sharyn a Rice | Director |
| Timothy Morse Jr | Director |
| Sarah Galvin | Treasurer |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Rcap Solutions INC | Management Services | 205 SCHOOL STREET, Gardner, MA 01440 | $134,807 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $17,500
- Program Service Revenue
- $156,891
- Investment Income
- $1,118
- Other Revenue
- $4,985
- Change in Net Assets
- $-38,699
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $219,193 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Salaries, Compensation, and Employee Benefits | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Fees for Services Other | $118,617 | - | - | $118,617 |
| Fees for Services Management | - | $19,406 | - | $19,406 |
| Occupancy | $17,099 | - | - | $17,099 |
| Travel | $7,898 | - | - | $7,898 |
| Office Expenses | $7,241 | - | - | $7,241 |
| Other Expenses | $3,875 | - | - | $3,875 |
| Fees for Services Legal | $2,282 | - | - | $2,282 |
| Advertising | $493 | - | - | $493 |
| Total Functional Expenses | $199,787 | $19,406 | $0 | $219,193 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| 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
| Liability | Amount |
|---|---|
| Contracts and Grants Refundable | $6,589,923 |
| Due to Related Party | $442,453 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- 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
- Yes
- Audited financial statements prepared
- Yes
- Key decisions subject to board approval
- No
- Management duties delegated
- Yes
Governance Explanations
Form 990, Part VI, Section A, Line 3
“Rcap solutions, inc. Provides management services.”
Form 990, Part VI, Section B, Line 11
“The form 990 is reviewed by the president and ceo. Once final approval has been obtained, the form 990 is submitted 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).”
Form 990, Part VI, Section B, Line 12C
“Rcap solutions financial services, inc. Falls under the rcap solutions, inc. Umbrella. Rcap 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.”
Form 990, Part VI, Section B, Line 15
“The 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.”
Form 990, Part VI, Section C, Line 19
“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.”
Filing and Contact Details
Filer
- Filer Name
- Rcap Solutions Financial Services Inc
- EIN
- 20-5660521
- Phone
- 8004881969
- Address
- 205 SCHOOL STREET, GARDNER, MA 01440
Signing Officer
- Name
- Karen Koller
- Title
- President
- Phone
- 8004881969
- Signed
- 2017-03-21
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Karen Koller
- Formed
- 2006
- Legal Domicile
- Ma
- Voting Board Members
- 11
- Independent Board Members
- 11
- Employees
- 0
- Volunteers
- 0
Preparer
- Firm
- Kevin P Martin Associates Pc
- Address
- 10 FORBES WEST, BRAINTREE, MA 02184
- Preparer
- Jolanta Tuck CPA
- Phone
- 7813803520
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 11G
“Consultants: program service expenses 3,216. Management and general expenses 0. Fundraising expenses 0. Total expenses 3,216. Management services: program service expenses 115,401. Management and general expenses 0. Fundraising expenses 0. Total expenses 115,401.”
Raw XML AppendixShowing 400 of 519 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.
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| IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt | 0 | RCAP SOLUTIONS FINANCIAL SERVICES, INC. WAS CREATED TO PROVIDE FINANCIAL SERVICES THAT SPECIFICALLY COMPLEMENT THE ACTIVITIES OF AND BE CONSISTENT WITH THE OBJECTIVES OF RCAP SOLUTIONS, INC. THE ORGANIZATION HAS A HISTORIC AND CONTINUING RELATIONSHIP WITH RCAP SOLUTIONS, INC. THE TWO ORGANIZATIONS SHARE THE SAME BOARD OF DIRECTORS AND ARE INCLUDED IN THE CONSOLIDATED FINANCIAL STATEMENTS OF RCAP SOLUTIONS, INC. AND SUBSIDIARIES. |
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| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | RCAP SOLUTIONS, INC. PROVIDES MANAGEMENT SERVICES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE FORM 990 IS REVIEWED BY THE PRESIDENT AND CEO. ONCE FINAL APPROVAL HAS BEEN OBTAINED, THE FORM 990 IS SUBMITTED 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/SupplementalInformationDetail/ExplanationTxt | 2 | RCAP SOLUTIONS FINANCIAL SERVICES, INC. FALLS UNDER THE RCAP SOLUTIONS, INC. UMBRELLA. RCAP 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/SupplementalInformationDetail/ExplanationTxt | 3 | THE 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/SupplementalInformationDetail/ExplanationTxt | 4 | 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/SupplementalInformationDetail/ExplanationTxt | 5 | CONSULTANTS: PROGRAM SERVICE EXPENSES 3,216. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 3,216. MANAGEMENT SERVICES: PROGRAM SERVICE EXPENSES 115,401. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 115,401. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 3 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART IX, LINE 11G |
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| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/PrimaryActivitiesTxt | 0 | LOW INCOME HOUSING RENTAL |
| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/RelatedOrganizationName/BusinessNameLine1Txt | 0 | ATHOL HOUSING ASSOCIATES INC |
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| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/CityNm | 0 | GARDNER |
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| IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/USAddress/ZIPCd | 0 | 01440 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $8,126,668
- Liabilities
- $7,531,379
- Net assets
- $595,289
- Revenue
- $180,494
- Expenses
- $219,193
- Net income
- -$38,699