Liabilities / Assets
78th percentile
Higher debt load relative to assets than 78% of similar nonprofits.
EIN 23-7303802 • 501(c)3 • Pontiac, MI
Profile
Provide low income housing for low income seniors
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
78th percentile
Higher debt load relative to assets than 78% of similar nonprofits.
Liabilities / Revenue
87th percentile
Higher debt load relative to revenue than 87% of similar nonprofits.
Net Margin
65th percentile
Higher net margin than 65% of similar nonprofits.
Top Officer Pay
81st percentile
Higher top officer pay than 81% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
64th percentile
Faster asset growth than 64% of similar nonprofits.
Revenue Growth
75th percentile
Faster revenue growth than 75% of similar nonprofits.
Assets
Up$170,513
Up $9,942 (+6.2%) from 2024
Liabilities
Up$16,112
Up $421 (+2.7%) from 2024
Net Assets
Up$154,401
Up $9,521 (+6.6%) from 2024
Revenue
Up$82,938
Up $16,462 (+25%) from 2024
Expenses
Down$73,417
Down $4,252 (-5.5%) from 2024
Net Income
Up$9,521
Up $20,714 (+185%) from 2024
Most recent year
2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.
Provide low income housing for low income seniors
| Description | Grants | Expenses |
|---|---|---|
| PROVIDE LOW INCOME HOUSING FOR LOW INCOME SENIORS | $0 | $57,621 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| BRAD MICHAUD | President | - | $0 | - | - |
| VERONICA ECHEVARRIA | Treasurer | - | $0 | - | - |
| MIKKI DROSTE | Secretary | - | $0 | - | - |
“Description: interest income. Amount: 16.”
“Description: miscellaneous income. Amount: 425.”
“Description: property management contract. Amount: 8,820. Description: bank fees. Amount: 279. Description: supplies. Amount: 133. Description: other expenses. Amount: 2,640. Description: interest expense. Amount: 17. Total to form 990-ez, line 16: 11,889.”
“Description: accounts receivable. Beg. Of year amount: 4,104. End of year amount: 2,587. Description: prepaid insurance. Beg. Of year amount: 1,655. End of year amount: 1,886. Description: replacement reserve. Beg. Of year amount: 51,420. End of year amount: 57,926. Description: insurance escrow. Beg. Of year amount: 10,105. End of year amount: 10,110.”
“Description: accounts payable. Beg. Of year amount: 1,071. End of year amount: 0. Description: refundable security deposits. Beg. Of year amount: 6,300. End of year amount: 6,440. Description: usda overpayments. Beg. Of year amount: 7,666. End of year amount: 7,666. Description: due to vr. Beg. Of year amount: 654. End of year amount: 2,006.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | 0 |
| IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | BRAD MICHAUD |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 9897723261 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 196 CESAR E CHAVEZ AVE |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | PONTIAC |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 48342 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 54192 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 60105 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 9521 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 15517 |
| IRS990EZ/FiledScheduleAInd | 0 | 1 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 160571 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 170513 |
| IRS990EZ/GrossReceiptsAmt | 0 | 82938 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/InvestmentIncomeAmt | 0 | 16 |
| IRS990EZ/LandAndBuildingsGrp/BOYAmt | 0 | 39095 |
| IRS990EZ/LandAndBuildingsGrp/EOYAmt | 0 | 37899 |
| IRS990EZ/LobbyingActivitiesInd | 0 | 0 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 144880 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 154401 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 144880 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 154401 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 34995 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | BRAD MICHAUD |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | VERONICA ECHEVARRIA |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | MIKKI DROSTE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | SECRETARY |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 67284 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 72509 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 11889 |
| IRS990EZ/OtherRevenueTotalAmt | 0 | 425 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | PROVIDE LOW INCOME HOUSING FOR LOW INCOME SENIORS |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 82497 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | PROVIDE LOW INCOME HOUSING FOR LOW INCOME SENIORS |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 57621 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 11016 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | 0 |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | MI |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 15691 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 16112 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TaxImposedOnOrganizationMgrAmt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4911Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4912Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4955Amt | 0 | 0 |
| IRS990EZ/TaxReimbursedByOrganizationAmt | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 73417 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 57621 |
| IRS990EZ/TotalRevenueAmt | 0 | 82938 |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | 0 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt | 0 | MISCELLANEOUS INCOME - 2021 AMOUNT: $ 330. 2025 AMOUNT: $ 425. INSURANCE PROCEEDS - 2021 AMOUNT: $ 2,876. 2023 AMOUNT: $ 14,102. |
| IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc | 0 | SCHEDULE A, PART III, LINE 12, EXPLANATION OF OTHER INCOME: |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt | 0 | 16 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 15 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 17 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 6 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 2 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 56 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 82497 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 66461 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 76675 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt | 0 | 75572 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 75739 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 376944 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt | 0 | 16 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt | 0 | 15 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt | 0 | 17 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt | 0 | 6 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt | 0 | 2 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 56 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.00010 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.00040 |
| IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearAmt | 0 | 425 |
| IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 14102 |
| IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 3206 |
| IRS990ScheduleA/OtherIncome509Grp/TotalAmt | 0 | 17733 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 0.95490 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 0.95240 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 376944 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 82497 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 66461 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 76675 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 75572 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 75739 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 376944 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 82938 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 66476 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 90794 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 75578 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 78947 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 394733 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DESCRIPTION: INTEREST INCOME. AMOUNT: 16. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: MISCELLANEOUS INCOME. AMOUNT: 425. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | DESCRIPTION: PROPERTY MANAGEMENT CONTRACT. AMOUNT: 8,820. DESCRIPTION: BANK FEES. AMOUNT: 279. DESCRIPTION: SUPPLIES. AMOUNT: 133. DESCRIPTION: OTHER EXPENSES. AMOUNT: 2,640. DESCRIPTION: INTEREST EXPENSE. AMOUNT: 17. TOTAL TO FORM 990-EZ, LINE 16: 11,889. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | DESCRIPTION: ACCOUNTS RECEIVABLE. BEG. OF YEAR AMOUNT: 4,104. END OF YEAR AMOUNT: 2,587. DESCRIPTION: PREPAID INSURANCE. BEG. OF YEAR AMOUNT: 1,655. END OF YEAR AMOUNT: 1,886. DESCRIPTION: REPLACEMENT RESERVE. BEG. OF YEAR AMOUNT: 51,420. END OF YEAR AMOUNT: 57,926. DESCRIPTION: INSURANCE ESCROW. BEG. OF YEAR AMOUNT: 10,105. END OF YEAR AMOUNT: 10,110. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | DESCRIPTION: ACCOUNTS PAYABLE. BEG. OF YEAR AMOUNT: 1,071. END OF YEAR AMOUNT: 0. DESCRIPTION: REFUNDABLE SECURITY DEPOSITS. BEG. OF YEAR AMOUNT: 6,300. END OF YEAR AMOUNT: 6,440. DESCRIPTION: USDA OVERPAYMENTS. BEG. OF YEAR AMOUNT: 7,666. END OF YEAR AMOUNT: 7,666. DESCRIPTION: DUE TO VR. BEG. OF YEAR AMOUNT: 654. END OF YEAR AMOUNT: 2,006. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | BRAD MICHAUD |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 9897723261 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2026-02-24 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | OXFORD HOUSING CORPORATION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | OXFO |
| ReturnHeader/Filer/EIN | 0 | 237303802 |
| ReturnHeader/Filer/PhoneNum | 0 | 9897723261 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 196 CESAR E CHAVEZ AVE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | PONTIAC |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 48342 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 382157642 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | MANER COSTERISAN PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 2425 E GRAND RIVER SUITE 1 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | LANSING |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 489123291 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 5173237500 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2026-02-25 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | AMBER RATHBUN CPA |
| ReturnHeader/ReturnTs | 0 | 2026-03-04T18:46:56-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2025-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2025-12-31 |
| ReturnHeader/TaxYr | 0 | 2025 |
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