Civic Intelligence

St Lawrence County Housing

EIN 22-2375017 • 501(c)3 • Canton, NY

Profile

To improve housing conditions within its area of operation, to raise the quality of public improvements, and to promote blight removal programs.

19 Main StreetCanton, NY 13617

www.nocohousing.org

Siviq Scores

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

Liabilities / Assets

85th percentile

0.56x

Higher debt load relative to assets than 85% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

66th percentile

0.19x

Higher debt load relative to revenue than 66% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2017

Net Margin

35th percentile

-1.6%

Higher net margin than 35% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

52nd percentile

$63,974

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 2.5% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2017

Asset Growth

60th percentile

7.3%

Faster asset growth than 60% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

90th percentile

92%

Faster revenue growth than 90% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$902,474

Up $61,657 (+7.3%) from 2016

Liabilities

Up

$501,203

Up $104,104 (+26%) from 2016

Net Assets

Down

$401,271

Down $42,447 (-9.6%) from 2016

Operations
Liabilities / Revenue66th percentileNet Margin35th percentile

Revenue

Up

$2,595,070

Up $1,246,979 (+92%) from 2016

Expenses

Up

$2,637,484

Up $1,358,790 (+106%) from 2016

Net Income

Down

-$42,414

Down $111,811 (-161%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth60th percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2011: $1,522,754Liabilities 2011: $718,913Net Assets 2011: $803,8412011Assets 2012: $1,151,328Liabilities 2012: $668,140Net Assets 2012: $483,1882012Assets 2013: $856,986Liabilities 2013: $446,272Net Assets 2013: $410,7142013Assets 2014: $1,034,061Liabilities 2014: $630,295Net Assets 2014: $403,7662014Assets 2015: $976,044Liabilities 2015: $601,723Net Assets 2015: $374,3212015Assets 2016: $840,817Liabilities 2016: $397,099Net Assets 2016: $443,7182016Assets 2017: $902,474Liabilities 2017: $501,203Net Assets 2017: $401,2712017

Highlighted filing

2017

Assets$902,474
Liabilities$501,203
Net Assets$401,271
Open 2017 Filing

Operations Trend

Revenue Growth90th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2011: $2,528,0552011Expenses 2012: $1,482,9662012Expenses 2013: $954,5942013Revenue 2014: $1,297,192Expenses 2014: $1,304,140Net Income 2014: -$6,9482014Revenue 2015: $1,282,803Expenses 2015: $1,312,248Net Income 2015: -$29,4452015Revenue 2016: $1,348,091Expenses 2016: $1,278,694Net Income 2016: $69,3972016Revenue 2017: $2,595,070Expenses 2017: $2,637,484Net Income 2017: -$42,4142017

Highlighted filing

2017

Revenue$2,595,070
Expenses$2,637,484
Net Income-$42,414
Open 2017 Filing

Filings

Most recent year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$902,474
Liabilities
$501,203
Net assets
$401,271
Revenue
$2,595,070
Expenses
$2,637,484
Net income
-$42,414
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$0.90$0.50$0.40$2.60$2.64$0.04
2016Detailed filing. Detailed filing data is available for this year.$0.84$0.40$0.44$1.35$1.28$0.07
2015Detailed filing. Detailed filing data is available for this year.$0.98$0.60$0.37$1.28$1.31$0.03
2014Detailed filing. Detailed filing data is available for this year.$1.03$0.63$0.40$1.30$1.30$0.01
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.86$0.45$0.41$0.95
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.15$0.67$0.48$1.48
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.52$0.72$0.80$2.53
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2016 to Sep 30, 2017
Signed
Mar 8, 2018
Return Version
2016v3.0
Gross Receipts
$2,595,070
Mission and Program Overview

Mission

To improve housing conditions within its area of operation, to raise the quality of public improvements, and to promote blight removal programs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$227,289$217,507▼ $9,782
Accounts Receivable$97,201$186,755▲ $89,554
Investments Program Related-$128,967-
Pledges and Grants Receivable$41,720$125,941▲ $84,221
Other Notes and Loans Receivable, Net$248,000$119,000▼ $129,000
Savings and Temporary Cash Investments$99,930$66,883▼ $33,047
Cash and Non-Interest-Bearing Accounts$104,305$50,782▼ $53,523
Prepaid Expenses and Deferred Charges$3,976$5,319▲ $1,343
Total Assets$840,817$902,474▲ $61,657
Other Assets Total$18,396$1,320▼ $17,076
Liabilities
Other Liabilities$298,382$293,608▼ $4,774
Accounts Payable and Accrued Expenses$77,302$201,474▲ $124,172
Deferred Revenue$21,415$6,121▼ $15,294
Total Liabilities$397,099$501,203▲ $104,104
Net Assets / Fund Balance
Permanently Rstr Net Assets$289,785$289,785→ $0
Unrestricted Net Assets$153,933$111,486▼ $42,447
Total Net Assets Fund Balance$443,718$401,271▼ $42,447
Total Liabilities and Net Assets / Fund Balance$840,817$902,474▲ $61,657

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$142,337$12,508$154,845
Buildings$69,957$41,450$111,407
Equipment$5,213$31,484$36,697
Investment Program Related Org$128,967--
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michelle DurhamExecutive DirectorFT$51,156$12,818$63,974
James D SpearFinance DirectorFT$24,898-$24,898

Board Members and Trustees

NameTitle
Raymond BabowiczPresident
Thomas PlastinoVice President
Amy PlumadoreDirector
Jamie ClarkDirector
Jason PfotenhauerDirector
John Parcell IvDirector
Lisa HammondDirector
Michael DavisDirector
Victoria OakesDirector
Michele HuntSecretary
David PeggsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$2,485,614
Program Service Revenue
$91,755
Investment Income
$22
Other Revenue
$17,679
All Other Contributions
$8,000
Change in Net Assets
$-42,414

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,595,070
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,595,070
Total Revenue per Form 990
$2,595,070
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,257,302
Salaries, Compensation, and Employee Benefits$380,182
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$1,817,708$1,256-$1,818,964
Other Salaries and Wages$184,797$41,935-$226,732
Current Officers, Directors, Trustees, and Key Employees$72,435$16,437-$88,872
Occupancy$37,484$1,698-$39,182
Other Employee Benefits$28,347$6,432-$34,779
Payroll Taxes$24,288$5,511-$29,799
Conferences and Meetings$13,829$4,859-$18,688
Fees for Services Accounting-$16,064-$16,064
All Other Expenses$9,736$3,959-$13,695
Depreciation Depletion$7,973$1,809-$9,782
Insurance$6,087$1,381-$7,468
Other Expenses$5,645$1,281-$6,926
Office Expenses$2,401$545-$2,946
Advertising$1,081$245-$1,326
Interest-$528-$528
Fees for Services Legal$358--$358
Total Functional Expenses$2,512,606$124,878$0$2,637,484

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,637,484
Total Expenses per Audited Statements$2,637,484
Total Expenses per Form 990$2,637,484
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Due to Local Governments$288,660
Line of Credit$4,948
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The board reviews the 990 for accuracy and validity before it is filed.”

Form 990, Part VI, Section B, Line 12C

“The board adopted policy is enforced through the use of a disclosure form submitted yearly.”

Form 990, Part VI, Section B, Line 15

“The board makes compensation decisions as documented in the meeting minutes.”

Form 990, Part VI, Section C, Line 19

“The documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
St Lawrence County Housing
EIN
22-2375017
Phone
3153868576
Address
19 MAIN STREET, CANTON, NY 13617
Doing Business As
North Country Housing Council

Signing Officer

Name
Michelle Durham
Title
Executive Director
Phone
3153868576
Signed
2018-03-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Raymond Babowicz
Formed
1981
Legal Domicile
Ny
Voting Board Members
11
Independent Board Members
9
Employees
8
Volunteers
0

Preparer

Firm
Efpr Group Cpas Pllc
Address
6390 MAIN STREET SUITE 200, WILLIAMSVILLE, NY 14221
Preparer
JOHN T O'BRIEN
Phone
7166340700
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Contracted labor: program service expenses 1,812,173. Management and general expenses 0. Fundraising expenses 0. Total expenses 1,812,173. Consultants: program service expenses 5,535. Management and general expenses 1,256. Fundraising expenses 0. Total expenses 6,791.”

FORM 990, PART XII, LINE 2C:

“No changes have taken place during the fiscal year ended september 30, 2017.”

Financial Statement Notes

PART X, LINE 2:

“The organization is exempt from income taxes under section 501(c)(3) of the internal revenue code (the code); therefore, no provision for income taxes is reflected in the consolidated financial statements. The organization has been classified as a publicly supported organization that is not a private foundation under section 509(a) of the code. The organization presently discloses or recognizes income tax positions based on management's estimate of whether it is reasonably possible or probable that a liability has been incurred for unrecognized income taxes. Management has concluded that the organization has taken no uncertain tax positions that require adjustment in its consolidated financial statements. U.s. Forms 990 filed by the organization are subject to examination by taxing authorities.”

Raw XML AppendixShowing 400 of 582 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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IRS990/MissionDesc0TO IMPROVE HOUSING CONDITIONS WITHIN ITS AREA OF OPERATION, TO RAISE THE QUALITY OF PUBLIC IMPROVEMENTS, AND TO PROMOTE BLIGHT REMOVAL PROGRAMS.
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IRS990/OtherExpensesGrp/Desc2STAFF DEVELOPMENT
IRS990/OtherExpensesGrp/Desc3SUPPLIES
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IRS990/ProgSrvcAccomActy2Grp/Desc0HOME OWNERSHIP PROGRAM PROVIDES HOUSING COUNSELING AND FINANCIAL ASSISTANCE TO LOW AND MODERATE INCOME RESIDENTS OF ST. LAWRENCE COUNTY WHO ARE PURCHASING HOMES. IT ALSO PROVIDES LOCAL GOVERNMENTS WITH ASSISTANCE IN ADMINISTERING THEIR GRANTS.
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IRS990/ProgSrvcAccomActy3Grp/Desc0HOUSING MANAGEMENT OF APARTMENTS OCCUPIED BY LOW AND MODERATE INCOME FAMILIES. THIS LINE OF BUSINESS PROVIDES ADMINISTRATIVE ASSISTANCE REQUIRED FOR THE SUCCESS OF THE APARTMENT PROJECTS.
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENT IN MARKET STREET REDEVELOPMENT CORP.
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS EXEMPT FROM INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE (THE CODE); THEREFORE, NO PROVISION FOR INCOME TAXES IS REFLECTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE ORGANIZATION HAS BEEN CLASSIFIED AS A PUBLICLY SUPPORTED ORGANIZATION THAT IS NOT A PRIVATE FOUNDATION UNDER SECTION 509(A) OF THE CODE. THE ORGANIZATION PRESENTLY DISCLOSES OR RECOGNIZES INCOME TAX POSITIONS BASED ON MANAGEMENT'S ESTIMATE OF WHETHER IT IS REASONABLY POSSIBLE OR PROBABLE THAT A LIABILITY HAS BEEN INCURRED FOR UNRECOGNIZED INCOME TAXES. MANAGEMENT HAS CONCLUDED THAT THE ORGANIZATION HAS TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT IN ITS CONSOLIDATED FINANCIAL STATEMENTS. U.S. FORMS 990 FILED BY THE ORGANIZATION ARE SUBJECT TO EXAMINATION BY TAXING AUTHORITIES.

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