Civic Intelligence

Homeownership Affordability Trust Fund

EIN 22-2963595 • 501(c)3 • Providence, RI

Profile

Preservation of affordable housing in the state of rhode island

44 Washington StreetProvidence, RI 02903

www.rihousing.com

Siviq Scores

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

Liabilities / Assets

7th percentile

0.00x

Higher debt load relative to assets than 7% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Source year 2023

Liabilities / Revenue

15th percentile

0.09x

Higher debt load relative to revenue than 15% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Source year 2023

Net Margin

89th percentile

43%

Higher net margin than 89% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

35th percentile

2.4%

Faster asset growth than 35% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Revenue Growth

98th percentile

225%

Faster revenue growth than 98% of similar nonprofits.

501(c)3 • $100M-$250M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets7th percentile

Assets

Up

$121,201,871

Up $7,370,935 (+6.5%) from 2024

Liabilities

Down

$0

Down $500,000 (-100%) from 2024

Net Assets

Up

$121,201,871

Up $7,870,935 (+6.9%) from 2024

Operations
Liabilities / Revenue15th percentileNet Margin89th percentile

Revenue

Down

$5,551,001

Down $256,698 (-4.4%) from 2024

Expenses

Down

-$2,154,594

Down $7,670,001 (-139%) from 2024

Net Income

Up

$7,705,595

Up $7,413,303 (+2536%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

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

$150M$100M$50M$0Assets 2011: $67,924,236Liabilities 2011: $2,072,879Net Assets 2011: $65,851,3572011Assets 2012: $69,030,038Liabilities 2012: $2,125,538Net Assets 2012: $66,904,5002012Assets 2013: $72,861,423Liabilities 2013: $2,001,861Net Assets 2013: $70,859,5622013Assets 2014: $75,381,500Liabilities 2014: $45,138Net Assets 2014: $75,336,3622014Assets 2015: $76,318,818Liabilities 2015: $72,613Net Assets 2015: $76,246,2052015Assets 2016: $78,528,050Liabilities 2016: $99,891Net Assets 2016: $78,428,1592016Assets 2017: $83,176,043Liabilities 2017: $27,067Net Assets 2017: $83,148,9762017Assets 2018: $91,643,869Liabilities 2018: $72,231Net Assets 2018: $91,571,6382018Assets 2019: $99,913,966Liabilities 2019: $116,534Net Assets 2019: $99,797,4322019Assets 2020: $105,328,755Liabilities 2020: $150,672Net Assets 2020: $105,178,0832020Assets 2021: $112,358,508Liabilities 2021: $0Net Assets 2021: $112,358,5082021Assets 2022: $111,238,696Liabilities 2022: $45,955Net Assets 2022: $111,192,7412022Assets 2023: $113,861,875Liabilities 2023: $557,147Net Assets 2023: $113,304,7282023Assets 2024: $113,830,936Liabilities 2024: $500,000Net Assets 2024: $113,330,9362024Assets 2025: $121,201,871Liabilities 2025: $0Net Assets 2025: $121,201,8712025

Highlighted filing

2025

Assets$121,201,871
Liabilities$0
Net Assets$121,201,871
Open 2025 Filing

Operations Trend

Revenue Growth98th percentile

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

$10M$5.0M$0-$5.0MRevenue 2011: $3,237,162Expenses 2011: $0Net Income 2011: $3,237,1622011Revenue 2012: $3,067,039Expenses 2012: $1,978,590Net Income 2012: $1,088,4492012Revenue 2013: $3,685,684Expenses 2013: -$260,140Net Income 2013: $3,945,8242013Revenue 2014: $2,750,271Expenses 2014: $254,078Net Income 2014: $2,496,1932014Revenue 2015: $2,777,505Expenses 2015: $1,869,018Net Income 2015: $908,4872015Revenue 2016: $3,425,069Expenses 2016: $1,242,970Net Income 2016: $2,182,0992016Revenue 2017: $4,313,952Expenses 2017: -$406,617Net Income 2017: $4,720,5692017Revenue 2018: $8,604,991Expenses 2018: $182,172Net Income 2018: $8,422,8192018Revenue 2019: $8,954,391Expenses 2019: $728,692Net Income 2019: $8,225,6992019Revenue 2020: $5,621,144Expenses 2020: $239,224Net Income 2020: $5,381,9202020Revenue 2021: $7,364,194Expenses 2021: $183,623Net Income 2021: $7,180,5712021Revenue 2022: $1,978,717Expenses 2022: $2,882,370Net Income 2022: -$903,6532022Revenue 2023: $6,426,249Expenses 2023: $3,678,162Net Income 2023: $2,748,0872023Revenue 2024: $5,807,699Expenses 2024: $5,515,407Net Income 2024: $292,2922024Revenue 2025: $5,551,001Expenses 2025: -$2,154,594Net Income 2025: $7,705,5952025

Highlighted filing

2025

Revenue$5,551,001
Expenses-$2,154,594
Net Income$7,705,595
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$121,201,871
Liabilities
$0
Net assets
$121,201,871
Revenue
$5,551,001
Expenses
-$2,154,594
Net income
$7,705,595
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$121$0.00$121$5.55$2.15$7.71
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$114$0.50$113$5.81$5.52$0.29
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$114$0.56$113$6.43$3.68$2.75
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$111$0.05$111$1.98$2.88$0.90
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$112$0.00$112$7.36$0.18$7.18
2020Summary only. Only limited summary data is available for this year.$105$0.15$105$5.62$0.24$5.38
2019Summary only. Only limited summary data is available for this year.$99.9$0.12$99.8$8.95$0.73$8.23
2018Summary only. Only limited summary data is available for this year.$91.6$0.07$91.6$8.60$0.18$8.42
2017Summary only. Only limited summary data is available for this year.$83.2$0.03$83.1$4.31$0.41$4.72
2016Summary only. Only limited summary data is available for this year.$78.5$0.10$78.4$3.43$1.24$2.18
2015Summary only. Only limited summary data is available for this year.$76.3$0.07$76.2$2.78$1.87$0.91
2014Summary only. Only limited summary data is available for this year.$75.4$0.05$75.3$2.75$0.25$2.50
2013Summary only. Only limited summary data is available for this year.$72.9$2.00$70.9$3.69$0.26$3.95
2012Summary only. Only limited summary data is available for this year.$69.0$2.13$66.9$3.07$1.98$1.09
2011Summary only. Only limited summary data is available for this year.$67.9$2.07$65.9$3.24$0.00$3.24
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Mar 16, 2026
Return Version
2024v5.5
Gross Receipts
$5,551,001
Mission and Program Overview

Mission

Preservation of affordable housing in the state of rhode island

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$113,330,936$121,201,871▲ $7,870,935
Other Notes and Loans Receivable, Net$56,021,250$64,967,581▲ $8,946,331
Cash and Non-Interest-Bearing Accounts$46,172,478$45,063,469▼ $1,109,009
Investments in Publicly Traded Securities$11,082,099$10,559,473▼ $522,626
Land, Buildings, and Equipment, Net$403,137$403,137→ $0
Accounts Receivable$17,781$17,781→ $0
Investments Other Securities$13,101$12,365▼ $736
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$0$0→ $0
Total Assets$113,830,936$121,201,871▲ $7,370,935
Other Assets Total$121,090$178,065▲ $56,975
Liabilities
Accounts Payable and Accrued Expenses$500,000$0▼ $500,000
Total Liabilities$500,000$0▼ $500,000
Net Assets / Fund Balance
Total Net Assets Fund Balance$113,330,936$121,201,871▲ $7,870,935
Total Liabilities and Net Assets / Fund Balance$113,830,936$121,201,871▲ $7,370,935

Asset Categories

AssetBook ValueDepreciationBasis
Land$403,137--
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Deborah GoddardChairwoman
Carol VenturaExecutive Director
Kara LachapelleCFO
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,931,644
Investment Income
$3,619,357
Other Revenue
$0
Change in Net Assets
$7,705,595
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0
Other Expenses$-2,154,594

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$-3,169,728--$-3,169,728
Total Functional Expenses$-2,154,594$0$0$-2,154,594
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
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
No

Governance Explanations

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

“The form 990 is reconciled to the consolidated audited financial statements of rhode island housing and mortgage finance company. Prior to its filing, the form 990 is reviewed by a trustee and made available to all trustees for review upon request.”

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

“The trustees are required to complete a conflict of interest questionnaire detailing any known or potential conflicts of interest on an annual basis.”

Form 990, Part VI, Section C, Line 19

“The trust's financial statements, governing documents and conflict of interest policies are made available to the public upon request. Audited financial statements are posted on the external website of rhode island housing.”

Filing and Contact Details

Filer

Filer Name
Homeownership Affordability Trust Fund
EIN
22-2963595
Phone
4014571234
Address
44 WASHINGTON STREET, PROVIDENCE, RI 02903

Signing Officer

Name
Kara Lachapelle
Title
CFO
Phone
4014571234
Signed
2026-03-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kara Lachapelle
Formed
1988
Legal Domicile
Ri
Voting Board Members
3
Independent Board Members
1
Employees
0
Volunteers
1

Preparer

Firm
Cliftonlarsonallen
Address
100 FRONT STREET 7TH FLOOR, WORCESTER, MA 01608
Preparer
LYNN O'MARRA
Phone
5087136900
Raw XML Appendix396 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/Form990PartVIISectionAGrp/PersonNm1CAROL VENTURA
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IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0THE ORGANIZATION AND ITS SUPPORTED ORGANIZATION HAVE A HISTORIC AND CONTINUING RELATIONSHIP. THE ORGANIZATION SUPPORTS THE MISSION OF THE SUPPORTED ORGANIZATION TO PRESERVE AFFORDABLE HOUSING IN THE STATE OF RHODE ISLAND.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt1THE SUPPORTED ORGANIZATION PROVIDES OVERSIGHT AND DIRECTION VIA ESTABLISHING THE TRUSTEES FOR THE ORGANIZATION.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt2THE ORGANIZATION IS OPERATED EXCLUSIVELY FOR THE BENEFIT OF, TO PERFORM THE FUNCTIONS OF, OR TO CARRY OUT THE PURPOSES OF A QUASI-STATE AGENCY.
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IRS990ScheduleA/SupportedOrgInformationGrp/SupportedOrganizationName/BusinessNameLine1Txt0RHODE ISLAND HOUSING
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE FORM 990 IS RECONCILED TO THE CONSOLIDATED AUDITED FINANCIAL STATEMENTS OF RHODE ISLAND HOUSING AND MORTGAGE FINANCE COMPANY. PRIOR TO ITS FILING, THE FORM 990 IS REVIEWED BY A TRUSTEE AND MADE AVAILABLE TO ALL TRUSTEES FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE TRUSTEES ARE REQUIRED TO COMPLETE A CONFLICT OF INTEREST QUESTIONNAIRE DETAILING ANY KNOWN OR POTENTIAL CONFLICTS OF INTEREST ON AN ANNUAL BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE TRUST'S FINANCIAL STATEMENTS, GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST. AUDITED FINANCIAL STATEMENTS ARE POSTED ON THE EXTERNAL WEBSITE OF RHODE ISLAND HOUSING.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
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IRS990/VotingMembersIndependentCnt01
IRS990/WebsiteAddressTxt0WWW.RIHOUSING.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0KARA LACHAPELLE
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ReturnHeader/BusinessOfficerGrp/PhoneNum04014571234
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HOMEOWNERSHIP AFFORDABILITY TRUST FUND
ReturnHeader/Filer/BusinessNameControlTxt0HOME
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0100 FRONT STREET 7TH FLOOR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WORCESTER
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd001608
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ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LYNN O'MARRA
ReturnHeader/ReturnTs02026-03-18T19:30:19-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

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