Civic Intelligence

Otsego Rural Housing Assistance Inc

EIN 22-2542309 • 501(c)3 • Milford, NY

Profile

To address the housing needs of low and moderate income residents of otsego county and to assest in improving housing and related retail and service establishments in rural communities within the county

PO Box 189Milford, NY 13807

otsegoruralhousing.org

Siviq Scores

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

Liabilities / Assets

84th percentile

0.23x

Higher debt load relative to assets than 84% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

82nd percentile

0.09x

Higher debt load relative to revenue than 82% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

65th percentile

11%

Higher net margin than 65% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

94th percentile

$56,212

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 12.5% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

33rd percentile

-18%

Faster asset growth than 33% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

20th percentile

-45%

Faster revenue growth than 20% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets84th percentile

Assets

Down

$172,863

Down $38,324 (-18%) from 2023

Liabilities

Down

$40,019

Down $88,159 (-69%) from 2023

Net Assets

Up

$132,844

Up $49,835 (+60%) from 2023

Operations
Liabilities / Revenue82nd percentileNet Margin65th percentile

Revenue

Down

$448,099

Down $361,539 (-45%) from 2023

Expenses

Down

$398,264

Down $514,861 (-56%) from 2023

Net Income

Up

$49,835

Up $153,322 (+148%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth33rd percentile

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

$400K$300K$200K$100K$0Assets 2011: $229,783Liabilities 2011: $71,171Net Assets 2011: $158,6122011Assets 2012: $135,344Liabilities 2012: $27,318Net Assets 2012: $108,0262012Assets 2013: $226,446Liabilities 2013: $39,465Net Assets 2013: $186,9812013Assets 2014: $226,330Liabilities 2014: $104,622Net Assets 2014: $121,7082014Assets 2015: $204,168Liabilities 2015: $31,392Net Assets 2015: $172,7762015Assets 2016: $381,941Liabilities 2016: $221,596Net Assets 2016: $160,3452016Assets 2017: $232,711Liabilities 2017: $86,251Net Assets 2017: $146,4602017Assets 2018: $216,025Liabilities 2018: $89,146Net Assets 2018: $126,8792018Assets 2019: $234,333Liabilities 2019: $118,941Net Assets 2019: $115,3922019Assets 2020: $373,755Liabilities 2020: $255,487Net Assets 2020: $118,2682020Assets 2021: $331,048Liabilities 2021: $14,325Net Assets 2021: $316,7232021Assets 2022: $209,843Liabilities 2022: $23,347Net Assets 2022: $186,4962022Assets 2023: $211,187Liabilities 2023: $128,178Net Assets 2023: $83,0092023Assets 2024: $172,863Liabilities 2024: $40,019Net Assets 2024: $132,8442024

Highlighted filing

2024

Assets$172,863
Liabilities$40,019
Net Assets$132,844
Open 2024 Filing

Operations Trend

Revenue Growth20th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $671,958Expenses 2011: $635,308Net Income 2011: $36,6502011Expenses 2012: $568,7542012Expenses 2013: $826,9602013Revenue 2014: $747,553Expenses 2014: $812,826Net Income 2014: -$65,2732014Revenue 2015: $712,136Expenses 2015: $661,068Net Income 2015: $51,0682015Revenue 2016: $968,722Expenses 2016: $981,153Net Income 2016: -$12,4312016Revenue 2017: $634,083Expenses 2017: $624,544Net Income 2017: $9,5392017Revenue 2018: $607,972Expenses 2018: $627,553Net Income 2018: -$19,5812018Revenue 2019: $976,670Expenses 2019: $988,157Net Income 2019: -$11,4872019Revenue 2020: $756,706Expenses 2020: $753,830Net Income 2020: $2,8762020Revenue 2021: $1,110,217Expenses 2021: $1,083,671Net Income 2021: $26,5462021Revenue 2022: $831,659Expenses 2022: $961,886Net Income 2022: -$130,2272022Revenue 2023: $809,638Expenses 2023: $913,125Net Income 2023: -$103,4872023Revenue 2024: $448,099Expenses 2024: $398,264Net Income 2024: $49,8352024

Highlighted filing

2024

Revenue$448,099
Expenses$398,264
Net Income$49,835
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$172,863
Liabilities
$40,019
Net assets
$132,844
Revenue
$448,099
Expenses
$398,264
Net income
$49,835
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.17$0.04$0.13$0.45$0.40$0.05
2023Detailed filing. Detailed filing data is available for this year.$0.21$0.13$0.08$0.81$0.91$0.10
2022Detailed filing. Detailed filing data is available for this year.$0.21$0.02$0.19$0.83$0.96$0.13
2021Detailed filing. Detailed filing data is available for this year.$0.33$0.01$0.32$1.11$1.08$0.03
2020Detailed filing. Detailed filing data is available for this year.$0.37$0.26$0.12$0.76$0.75$0.00
2019Detailed filing. Detailed filing data is available for this year.$0.23$0.12$0.12$0.98$0.99$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.22$0.09$0.13$0.61$0.63$0.02
2017Detailed filing. Detailed filing data is available for this year.$0.23$0.09$0.15$0.63$0.62$0.01
2016Detailed filing. Detailed filing data is available for this year.$0.38$0.22$0.16$0.97$0.98$0.01
2015Detailed filing. Detailed filing data is available for this year.$0.20$0.03$0.17$0.71$0.66$0.05
2014Detailed filing. Detailed filing data is available for this year.$0.23$0.10$0.12$0.75$0.81$0.07
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.23$0.04$0.19$0.83
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.14$0.03$0.11$0.57
2011Summary only. Only limited summary data is available for this year.$0.23$0.07$0.16$0.67$0.64$0.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
May 15, 2025
Return Version
2023v6.0
Gross Receipts
$448,099
Mission and Program Overview

Mission

To address the housing needs of low and moderate income residents of otsego county and to assest in improving housing and related retail and service establishments in rural communities within the county

To address the housing needs of low and moderate income residents of otsego county and to assist in improving housing and related retail and service establishments in rural communities within the county.

Balance Sheet Detail
LineBeginningEndChange
Assets
Pledges and Grants Receivable$96,469$87,778▼ $8,691
Cash and Non-Interest-Bearing Accounts$44,752$41,428▼ $3,324
Savings and Temporary Cash Investments$30,250$16,959▼ $13,291
Prepaid Expenses and Deferred Charges$8,480$10,963▲ $2,483
Land, Buildings, and Equipment, Net$8,697$6,366▼ $2,331
Accounts Receivable-$1,600-
Other Notes and Loans Receivable, Net-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$211,187$172,863▼ $38,324
Other Assets Total$22,539$7,769▼ $14,770
Liabilities
Accounts Payable and Accrued Expenses$55,639$23,184▼ $32,455
Deferred Revenue-$9,066-
Other Liabilities$72,539$7,769▼ $64,770
Total Liabilities$128,178$40,019▼ $88,159
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$51,330$132,844▲ $81,514
Net Assets With Donor Restrictions$31,679--
Total Net Assets Fund Balance$83,009$132,844▲ $49,835
Total Liabilities and Net Assets / Fund Balance$211,187$172,863▼ $38,324

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$6,366$22,116$28,482
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Bridget StithExecutive DirectorFT$56,212$56,212

Board Members and Trustees

NameTitle
Greg CrowellPresident
Karen WalkerVice President
Adam FrenierTrustee
Elizabeth DunnTrustee
Sheryl ChampenTrustee
Trevor FullerTrustee
Sue MillerSecretary
Carina FranckTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$444,700
Program Service Revenue
$3,200
Investment Income
$19
Other Revenue
$180
All Other Contributions
$5,422
Change in Net Assets
$49,835

Audited Revenue Reconciliation

Revenue per Audited Statements
$448,099
Total Revenue per Audited Statements
$448,099
Total Revenue per Form 990
$448,099
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$208,167
Other Expenses$190,097
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$49,590$61,100-$110,690
Current Officers, Directors, Trustees, and Key Employees$25,183$31,029-$56,212
Other Employee Benefits$10,032$12,362-$22,394
Occupancy$2,400$15,474-$17,874
Payroll Taxes$6,320$7,786-$14,106
Insurance$4,921$6,838-$11,759
Fees for Services Accounting-$8,900-$8,900
All Other Expenses$2,898$2,861-$5,759
Conferences and Meetings$5,270--$5,270
Pension Plan Contributions$2,135$2,630-$4,765
Other Expenses$931$2,688-$3,619
Travel$3,210--$3,210
Depreciation Depletion-$2,332-$2,332
Interest-$584-$584
Fees for Services Other-$550-$550
Fees for Services Legal-$374-$374
Total Functional Expenses$239,376$158,888$0$398,264

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$398,264
Total Expenses per Audited Statements$398,264
Total Expenses per Form 990$398,264
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Liability$7,769
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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
Yes
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, Part VI, Section B, Line 11B

“The trustees review the 990 along with the treasurer before submission.”

Form 990, Part VI, Section C, Line 19

“No documents available to the public.”

01. Form 990 Governing Body Review (part VI, Line 11)

“All financial documents are reviewed at the annual meeting, or reviewed by the board of directors in the interm, and this information is approved and then used as a basis for filing the 990.”

02. Conflict of Interest Policy Compliance (part VI, Line 12C)

“Enforcement of conflicts policy - each board member signs a non-conflict document that the organization keeps on file. Employment policies include conflict of interest language.”

03. Ceo, Executive Director, Top Management Comp (part VI, Line 15A)

“Compensation process for top official - the board is presented with the annual budget at the annual board meeting. The budget includes payroll amounts for all employees, including the executive director. The budget and payroll is reviewed, discussed, and voted by the board.”

04. Other Officer of Key Employee Compensation (part VI, Line 15B)

“Compensation process for officers - the board is presented with the annual budget at the annual board meeting. The budget includes payroll amounts for all employees, including the executive director. The budget and payroll is reviewed, discussed and voted upon by the board.”

05. Governing Documents, Etc, Available to Public (part VI, Line 19)

“Governing documents are available to the public upon written request.”

Filing and Contact Details

Filer

Filer Name
Otsego Rural Housing Assistance Inc
EIN
22-2542309
Phone
6072867244
Address
PO BOX 189, MILFORD, NY 13807

Signing Officer

Name
Bridget Stith
Title
Executive Director
Signed
2025-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bridget Stith
Formed
1984
Legal Domicile
Ny
Voting Board Members
8
Independent Board Members
8
Employees
6

Preparer

Firm
Mostert Manzanero & Scott LLP
Address
4 Associate Dr, Oneonta, NY 13820
Preparer
Jason L Waite CPA
Phone
6074328700
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IRS990/MinutesOfCommitteesInd0true
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IRS990/MissionDesc0TO ADDRESS THE HOUSING NEEDS OF LOW AND MODERATE INCOME RESIDENTS OF OTSEGO COUNTY AND TO ASSEST IN IMPROVING HOUSING AND RELATED RETAIL AND SERVICE ESTABLISHMENTS IN RURAL COMMUNITIES WITHIN THE COUNTY
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IRS990/OtherExpensesGrp/Desc0PROJECT COSTS
IRS990/OtherExpensesGrp/Desc1RENT SUBSIDY
IRS990/OtherExpensesGrp/Desc2REPAIR & MAINTENANCE
IRS990/OtherExpensesGrp/Desc3TELEPHONE AND INTERNET
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt12688
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IRS990/PrincipalOfficerNm0BRIDGET STITH
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IRS990/ProgSrvcAccomActy2Grp/Desc0ADMINISTRATION OF U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) SECTION 8 RENT SUBSIDY PROGRAM AS A LOCAL ADMINISTRATION FOR NYS HCR. ALSO A LOCAL ADMINISTRATOR UNDER THE NYS HOME TBRA.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0106092
IRS990/ProgSrvcAccomActy3Grp/Desc0CONTRACTING SERVICES FOR LOW AND MODERATE INCOME RESIDENTS OF OTSEGO COUNTY
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IRS990/PYExcessBenefitTransInd0false
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07769
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0LEASE LIABILITY
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IRS990ScheduleD/TotalExpensesPerForm990Amt0398264
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE TRUSTEES REVIEW THE 990 ALONG WITH THE TREASURER BEFORE SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL FINANCIAL DOCUMENTS ARE REVIEWED AT THE ANNUAL MEETING, OR REVIEWED BY THE BOARD OF DIRECTORS IN THE INTERM, AND THIS INFORMATION IS APPROVED AND THEN USED AS A BASIS FOR FILING THE 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ENFORCEMENT OF CONFLICTS POLICY - EACH BOARD MEMBER SIGNS A NON-CONFLICT DOCUMENT THAT THE ORGANIZATION KEEPS ON FILE. EMPLOYMENT POLICIES INCLUDE CONFLICT OF INTEREST LANGUAGE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION PROCESS FOR TOP OFFICIAL - THE BOARD IS PRESENTED WITH THE ANNUAL BUDGET AT THE ANNUAL BOARD MEETING. THE BUDGET INCLUDES PAYROLL AMOUNTS FOR ALL EMPLOYEES, INCLUDING THE EXECUTIVE DIRECTOR. THE BUDGET AND PAYROLL IS REVIEWED, DISCUSSED, AND VOTED BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION PROCESS FOR OFFICERS - THE BOARD IS PRESENTED WITH THE ANNUAL BUDGET AT THE ANNUAL BOARD MEETING. THE BUDGET INCLUDES PAYROLL AMOUNTS FOR ALL EMPLOYEES, INCLUDING THE EXECUTIVE DIRECTOR. THE BUDGET AND PAYROLL IS REVIEWED, DISCUSSED AND VOTED UPON BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON WRITTEN REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc201. FORM 990 GOVERNING BODY REVIEW (PART VI, LINE 11)
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc302. CONFLICT OF INTEREST POLICY COMPLIANCE (PART VI, LINE 12C)
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc403. CEO, EXECUTIVE DIRECTOR, TOP MANAGEMENT COMP (PART VI, LINE 15A)
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc504. OTHER OFFICER OF KEY EMPLOYEE COMPENSATION (PART VI, LINE 15B)
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc605. GOVERNING DOCUMENTS, ETC, AVAILABLE TO PUBLIC (PART VI, LINE 19)
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false

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