Civic Intelligence

Hudson Valley Housing Development Fund

EIN 22-2873650 • 501(c)3 • Wappingers Falls, NY

Profile

The purpose of the organization is to develop, on a non-profit basis, housing projects for persons of low-income, where no adequate housing exists for such persons in the hudson valley region of new york.

5 Givans AvenueWappingers Falls, NY 12590

n/A

Siviq Scores

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

Liabilities / Assets

41st percentile

0.39x

Higher debt load relative to assets than 41% of similar nonprofits.

NTEE L • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

59th percentile

3.80x

Higher debt load relative to revenue than 59% of similar nonprofits.

NTEE L • $5M-$10M nonprofits • Source year 2025

Net Margin

72nd percentile

13%

Higher net margin than 72% of similar nonprofits.

NTEE L • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

51st percentile

$137,995

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 17.4% of source-year revenue.

NTEE L • $5M-$10M nonprofits • Source year 2025

Asset Growth

45th percentile

-0.6%

Faster asset growth than 45% of similar nonprofits.

NTEE L • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

79th percentile

18%

Faster revenue growth than 79% of similar nonprofits.

NTEE L • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets41st percentile

Assets

Down

$7,805,810

Down $45,363 (-0.6%) from 2024

Liabilities

Down

$3,009,701

Down $77,607 (-2.5%) from 2024

Net Assets

Up

$4,796,109

Up $32,244 (+0.7%) from 2024

Operations
Liabilities / Revenue59th percentileNet Margin72nd percentile

Revenue

Up

$792,320

Up $122,740 (+18%) from 2024

Expenses

Down

$689,824

Down $425,913 (-38%) from 2024

Net Income

Up

$102,496

Up $548,653 (+123%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth45th percentile

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

$15M$10M$5.0M$0Assets 2011: $6,178,261Liabilities 2011: $980,310Net Assets 2011: $5,197,9512011Assets 2012: $5,783,988Liabilities 2012: $589,769Net Assets 2012: $5,194,2192012Assets 2013: $7,105,571Liabilities 2013: $1,737,548Net Assets 2013: $5,368,0232013Assets 2014: $10,774,082Liabilities 2014: $5,350,610Net Assets 2014: $5,423,4722014Assets 2015: $10,342,828Liabilities 2015: $4,970,071Net Assets 2015: $5,372,7572015Assets 2016: $7,507,531Liabilities 2016: $2,240,485Net Assets 2016: $5,267,0462016Assets 2017: $6,942,885Liabilities 2017: $1,746,728Net Assets 2017: $5,196,1572017Assets 2018: $7,299,172Liabilities 2018: $2,125,347Net Assets 2018: $5,173,8252018Assets 2019: $8,368,835Liabilities 2019: $2,719,095Net Assets 2019: $5,649,7402019Assets 2020: $8,793,371Liabilities 2020: $3,267,186Net Assets 2020: $5,526,1852020Assets 2021: $8,653,586Liabilities 2021: $3,148,714Net Assets 2021: $5,504,8722021Assets 2022: $8,493,471Liabilities 2022: $3,133,183Net Assets 2022: $5,360,2882022Assets 2023: $8,304,860Liabilities 2023: $3,094,838Net Assets 2023: $5,210,0222023Assets 2024: $7,851,173Liabilities 2024: $3,087,308Net Assets 2024: $4,763,8652024Assets 2025: $7,805,810Liabilities 2025: $3,009,701Net Assets 2025: $4,796,1092025

Highlighted filing

2025

Assets$7,805,810
Liabilities$3,009,701
Net Assets$4,796,109
Open 2025 Filing

Operations Trend

Revenue Growth79th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $309,055Expenses 2011: $417,789Net Income 2011: -$108,7342011Expenses 2012: $439,1362012Expenses 2013: $529,8652013Revenue 2014: $672,061Expenses 2014: $616,612Net Income 2014: $55,4492014Revenue 2015: $603,241Expenses 2015: $653,956Net Income 2015: -$50,7152015Revenue 2016: $501,759Expenses 2016: $607,470Net Income 2016: -$105,7112016Revenue 2017: $533,423Expenses 2017: $604,312Net Income 2017: -$70,8892017Revenue 2018: $583,800Expenses 2018: $606,132Net Income 2018: -$22,3322018Revenue 2019: $1,280,631Expenses 2019: $804,716Net Income 2019: $475,9152019Revenue 2020: $545,723Expenses 2020: $669,278Net Income 2020: -$123,5552020Revenue 2021: $647,126Expenses 2021: $668,439Net Income 2021: -$21,3132021Revenue 2022: $547,209Expenses 2022: $661,057Net Income 2022: -$113,8482022Revenue 2023: $583,463Expenses 2023: $733,729Net Income 2023: -$150,2662023Revenue 2024: $669,580Expenses 2024: $1,115,737Net Income 2024: -$446,1572024Revenue 2025: $792,320Expenses 2025: $689,824Net Income 2025: $102,4962025

Highlighted filing

2025

Revenue$792,320
Expenses$689,824
Net Income$102,496
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,805,810
Liabilities
$3,009,701
Net assets
$4,796,109
Revenue
$792,320
Expenses
$689,824
Net income
$102,496
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$7.81$3.01$4.80$0.79$0.69$0.10
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.85$3.09$4.76$0.67$1.12$0.45
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.30$3.09$5.21$0.58$0.73$0.15
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.49$3.13$5.36$0.55$0.66$0.11
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.65$3.15$5.50$0.65$0.67$0.02
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.79$3.27$5.53$0.55$0.67$0.12
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.37$2.72$5.65$1.28$0.80$0.48
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.30$2.13$5.17$0.58$0.61$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.94$1.75$5.20$0.53$0.60$0.07
2016Detailed filing. Detailed filing data is available for this year.$7.51$2.24$5.27$0.50$0.61$0.11
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.3$4.97$5.37$0.60$0.65$0.05
2014Detailed filing. Detailed filing data is available for this year.$10.8$5.35$5.42$0.67$0.62$0.06
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.11$1.74$5.37$0.53
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.78$0.59$5.19$0.44
2011Summary only. Only limited summary data is available for this year.$6.18$0.98$5.20$0.31$0.42$0.11
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Aug 1, 2024 to Jul 31, 2025
Signed
Feb 19, 2026
Return Version
2024v5.5
Gross Receipts
$792,320
Mission and Program Overview

Mission

The purpose of the organization is to develop, on a non-profit basis, housing projects for persons of low-income, where no adequate housing exists for such persons in the hudson valley region of new york.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$3,034,344$2,983,323▼ $51,021
Cash and Non-Interest-Bearing Accounts$53,763$100,397▲ $46,634
Prepaid Expenses and Deferred Charges$25,656$14,710▼ $10,946
Accounts Receivable-$3,589-
Intangible Assets-$0-
Total Assets$7,781,773$7,805,810▲ $24,037
Other Assets Total$4,668,010$4,703,791▲ $35,781
Liabilities
Mortgage Notes Payable Secured by Investment Property$2,808,022$2,720,535▼ $87,487
Accounts Payable and Accrued Expenses$202,410$216,330▲ $13,920
Deferred Revenue$42,075$36,752▼ $5,323
Other Liabilities$35,653$36,084▲ $431
Total Liabilities$3,088,160$3,009,701▼ $78,459
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$4,693,613$4,796,109▲ $102,496
Total Net Assets Fund Balance$4,693,613$4,796,109▲ $102,496
Total Liabilities and Net Assets / Fund Balance$7,781,773$7,805,810▲ $24,037

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,349,234$2,726,480$5,075,714
Land$553,758-$553,758
Equipment$80,331$15,526$95,857
Other Assets Org$36,084--
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleOtherTotal
MARGARET O'LEARYC.e.o.$137,995$137,995
Susan MeaneyC.f.o.$56,126$56,126

Board Members and Trustees

NameTitle
Gregory D Supple EsqChairperson
David Merte PeVice Chairperson
John LawrenceDirector
Paul PilonDirector
Joan EckSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$708,189
Investment Income
$180
Other Revenue
$83,951
Change in Net Assets
$102,496

Audited Revenue Reconciliation

Revenue per Audited Statements
$792,320
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$792,320
Total Revenue per Form 990
$792,320
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$626,426
Salaries, Compensation, and Employee Benefits$63,398
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$175,266--$175,266
Depreciation Depletion$127,184$5,098-$132,282
Fees for Services Management-$89,110-$89,110
Occupancy$67,778--$67,778
Other Salaries and Wages$55,093$8,305-$63,398
Insurance$20,824$4,238-$25,062
Fees for Services Other$10,878$4,951-$15,829
All Other Expenses$4,589$954-$5,543
Other Expenses$492$2,578-$3,070
Office Expenses$1,198$207-$1,405
Total Functional Expenses$573,363$116,461$0$689,824

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$689,824
Total Expenses per Audited Statements$689,824
Total Expenses per Form 990$689,824
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Joan EckOfficer, Ulster Savings BankMortgage LoansNo$2,718,831
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
TENANTS' SECURITY DEPOSITS$36,084
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 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
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
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“Community services programs, inc., an affiliate, provides all staff for the completion of the activities of hudson valley housing development fund company, inc.”

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

“Form 990 is distributed to the board electronically for review.”

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

“Prior to any board action, conflicts of interest are so noted and recorded.”

Form 990, Part VI, Section B, Line 15

“Guidestar reports are used to review salaries for comparable positions/organizations.”

Form 990, Part VI, Section C, Line 19

“UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Hudson Valley Housing Development Fund
EIN
22-2873650
Phone
8452972004
Address
5 GIVANS AVENUE, WAPPINGERS FALLS, NY 12590

Signing Officer

Name
MARGARET O'LEARY
Title
C.e.o.
Phone
8452972004
Signed
2026-02-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gregory D Supple Esq
Formed
1987
Legal Domicile
Ny
Voting Board Members
5
Independent Board Members
5
Employees
0
Volunteers
0

Preparer

Firm
Efpr Advisory LLC
Address
6390 MAIN STREET SUITE 200, WILLIAMSVILLE, NY 14221
Preparer
David a Urban CPA
Phone
7166340700
Supplemental Narrative

Additional Explanations

FORM 990, PART IX, LINE 7:

“Wages reported by hudson valley hdfc are paid by, and reimbursed to community services programs, inc., a related corporation. Amounts reported on line 7 represent wages and benefits allocable to hudson valley hdfc.”

FORM 990, PART XII, LINE 2C:

“No changes have taken place during the fiscal year ended july 31, 2025.”

Financial Statement Notes

PART X, LINE 2:

“Community services programs, inc. And hudson valley housing development fund company, inc. Are 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 entities have been classified as publicly supported organizations that are not private foundations under section 509(a) of the code. The entities presently disclose or recognize 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 entities have taken no uncertain tax positions that require adjustment in its consolidated financial statements. U.s. Forms 990 filed by the entities are subject to tax examination by taxing authorities.”

Raw XML AppendixShowing 400 of 633 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.

Path#Value
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IRS990/ActivitiesConductedPrtshpInd00
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IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt0954
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IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE PURPOSE OF THE ORGANIZATION IS TO DEVELOP, ON A NON-PROFIT BASIS, HOUSING PROJECTS FOR PERSONS OF LOW-INCOME, WHERE NO ADEQUATE HOUSING EXISTS FOR SUCH PERSONS IN THE HUDSON VALLEY REGION OF NEW YORK.
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IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/FootnoteTextInd0X
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0DUE FROM AFFILIATES
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1DUE FROM SUBSIDIARIES
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2INVESTMENT IN L.P.
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3OPERATING RESERVE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4PROJECT DEVELOPMENT FEES
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5RESERVE FOR REPLACEMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc6TENANTS' SECURITY DEPOSITS
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0TENANTS' SECURITY DEPOSITS
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IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0COMMUNITY SERVICES PROGRAMS, INC. AND HUDSON VALLEY HOUSING DEVELOPMENT FUND COMPANY, INC. ARE 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 ENTITIES HAVE BEEN CLASSIFIED AS PUBLICLY SUPPORTED ORGANIZATIONS THAT ARE NOT PRIVATE FOUNDATIONS UNDER SECTION 509(A) OF THE CODE. THE ENTITIES PRESENTLY DISCLOSE OR RECOGNIZE 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 ENTITIES HAVE TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT IN ITS CONSOLIDATED FINANCIAL STATEMENTS. U.S. FORMS 990 FILED BY THE ENTITIES ARE SUBJECT TO TAX EXAMINATION BY TAXING AUTHORITIES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt04703791
IRS990ScheduleD/TotalExpensesPerForm990Amt0689824
IRS990ScheduleD/TotalLiabilityAmt036084
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IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0792320
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0689824
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0JOAN ECK
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0OFFICER, ULSTER SAVINGS BANK
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt02718831
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0MORTGAGE LOANS
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0COMMUNITY SERVICES PROGRAMS, INC., AN AFFILIATE, PROVIDES ALL STAFF FOR THE COMPLETION OF THE ACTIVITIES OF HUDSON VALLEY HOUSING DEVELOPMENT FUND COMPANY, INC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FORM 990 IS DISTRIBUTED TO THE BOARD ELECTRONICALLY FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PRIOR TO ANY BOARD ACTION, CONFLICTS OF INTEREST ARE SO NOTED AND RECORDED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GUIDESTAR REPORTS ARE USED TO REVIEW SALARIES FOR COMPARABLE POSITIONS/ORGANIZATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5WAGES REPORTED BY HUDSON VALLEY HDFC ARE PAID BY, AND REIMBURSED TO COMMUNITY SERVICES PROGRAMS, INC., A RELATED CORPORATION. AMOUNTS REPORTED ON LINE 7 REPRESENT WAGES AND BENEFITS ALLOCABLE TO HUDSON VALLEY HDFC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NO CHANGES HAVE TAKEN PLACE DURING THE FISCAL YEAR ENDED JULY 31, 2025.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART IX, LINE 7:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XII, LINE 2C:
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/ControlledOrganizationInd00
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