Civic Intelligence

Northern Area Homes

EIN 23-7367482 • 501(c)3 • Russell, PA

Profile

The organization was formed to provide low income housing to elderly and disabled individuals within the community f . Ruse;e.l.l .. Pennsylvania

PO Box 252Russell, PA 16345

n/A

Siviq Scores

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

Liabilities / Assets

93rd percentile

1.00x

Higher debt load relative to assets than 93% of similar nonprofits.

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

Liabilities / Revenue

92nd percentile

0.57x

Higher debt load relative to revenue than 92% of similar nonprofits.

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

Net Margin

14th percentile

-54%

Higher net margin than 14% of similar nonprofits.

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

Top Officer Pay

88th percentile

$22,100

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 17.9% of source-year revenue.

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

Asset Growth

16th percentile

-66%

Faster asset growth than 16% of similar nonprofits.

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

Revenue Growth

45th percentile

-7.3%

Faster revenue growth than 45% of similar nonprofits.

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

Assets

Down

$70,383

Down $137,529 (-66%) from 2023

Liabilities

Up

$70,383

Up $41,719 (+146%) from 2023

Net Assets

Down

$0

Down $179,248 (-100%) from 2023

Revenue

Down

$123,694

Down $9,698 (-7.3%) from 2023

Expenses

Up

$190,147

Up $62,042 (+48%) from 2023

Net Income

Down

-$66,453

Down $71,740 (-1357%) from 2023

Trend Graphs

Balance Sheet Trend

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

$400K$300K$200K$100K$0Assets 2010: $332,416Liabilities 2010: $175,750Net Assets 2010: $156,6662010Assets 2011: $317,337Liabilities 2011: $164,197Net Assets 2011: $153,1402011Assets 2012: $306,753Liabilities 2012: $153,078Net Assets 2012: $153,6752012Assets 2013: $296,144Liabilities 2013: $140,412Net Assets 2013: $155,7322013Assets 2014: $280,902Liabilities 2014: $129,431Net Assets 2014: $151,4712014Assets 2015: $275,513Liabilities 2015: $116,606Net Assets 2015: $158,9072015Assets 2016: $274,427Liabilities 2016: $105,914Net Assets 2016: $168,5132016Assets 2017: $269,035Liabilities 2017: $94,048Net Assets 2017: $174,9872017Assets 2018: $253,082Liabilities 2018: $80,387Net Assets 2018: $172,6952018Assets 2019: $243,277Liabilities 2019: $67,955Net Assets 2019: $175,3222019Assets 2020: $227,135Liabilities 2020: $55,452Net Assets 2020: $171,6832020Assets 2021: $217,056Liabilities 2021: $43,335Net Assets 2021: $173,7212021Assets 2022: $209,531Liabilities 2022: $35,570Net Assets 2022: $173,9612022Assets 2023: $207,912Liabilities 2023: $28,664Net Assets 2023: $179,2482023Assets 2024: $70,383Liabilities 2024: $70,383Net Assets 2024: $02024

Highlighted filing

2024

Assets$70,383
Liabilities$70,383
Net Assets$0

Operations Trend

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

$200K$100K$0-$100KRevenue 2010: $79,493Expenses 2010: $77,023Net Income 2010: $2,4702010Revenue 2011: $84,471Expenses 2011: $87,997Net Income 2011: -$3,5262011Revenue 2012: $85,096Expenses 2012: $84,561Net Income 2012: $5352012Revenue 2013: $93,202Expenses 2013: $91,145Net Income 2013: $2,0572013Revenue 2014: $87,259Expenses 2014: $91,520Net Income 2014: -$4,2612014Revenue 2015: $95,689Expenses 2015: $88,253Net Income 2015: $7,4362015Revenue 2016: $89,344Expenses 2016: $79,737Net Income 2016: $9,6072016Revenue 2017: $94,297Expenses 2017: $87,823Net Income 2017: $6,4742017Revenue 2018: $106,155Expenses 2018: $108,444Net Income 2018: -$2,2892018Revenue 2019: $104,792Expenses 2019: $102,165Net Income 2019: $2,6272019Revenue 2020: $110,306Expenses 2020: $113,945Net Income 2020: -$3,6392020Revenue 2021: $112,437Expenses 2021: $110,399Net Income 2021: $2,0382021Revenue 2022: $120,350Expenses 2022: $120,110Net Income 2022: $2402022Revenue 2023: $133,392Expenses 2023: $128,105Net Income 2023: $5,2872023Revenue 2024: $123,694Expenses 2024: $190,147Net Income 2024: -$66,4532024

Highlighted filing

2024

Revenue$123,694
Expenses$190,147
Net Income-$66,453

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.70$0.70$0.00$1.24$1.90$0.66
2023Detailed filing. Detailed filing data is available for this year.$2.08$0.29$1.79$1.33$1.28$0.05
2022Detailed filing. Detailed filing data is available for this year.$2.10$0.36$1.74$1.20$1.20$0.00
2021Detailed filing. Detailed filing data is available for this year.$2.17$0.43$1.74$1.12$1.10$0.02
2020Detailed filing. Detailed filing data is available for this year.$2.27$0.55$1.72$1.10$1.14$0.04
2019Detailed filing. Detailed filing data is available for this year.$2.43$0.68$1.75$1.05$1.02$0.03
2018Detailed filing. Detailed filing data is available for this year.$2.53$0.80$1.73$1.06$1.08$0.02
2017Detailed filing. Detailed filing data is available for this year.$2.69$0.94$1.75$0.94$0.88$0.06
2016Detailed filing. Detailed filing data is available for this year.$2.74$1.06$1.69$0.89$0.80$0.10
2015Detailed filing. Detailed filing data is available for this year.$2.76$1.17$1.59$0.96$0.88$0.07
2014Detailed filing. Detailed filing data is available for this year.$2.81$1.29$1.51$0.87$0.92$0.04
2013Detailed filing. Detailed filing data is available for this year.$2.96$1.40$1.56$0.93$0.91$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.07$1.53$1.54$0.85$0.85$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.17$1.64$1.53$0.84$0.88$0.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.32$1.76$1.57$0.79$0.77$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 27, 2025
Return Version
2024v5.2
Gross Receipts
$123,694
Mission and Program Overview

Mission

The organization was formed to provide low income housing to elderly and disabled individuals within the community f . Ruse;e.l.l .. Pennsylvania

Provide independant living apartments for elderly and handicapped

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$28,446$28,993▲ $547
Cash and Non-Interest-Bearing Accounts$11,912$20,809▲ $8,897
Loans From Officers Directors$22,516$14,957▼ $7,559
Land, Buildings, and Equipment, Net$11,545$11,545→ $0
Accounts Receivable$6,029$7,657▲ $1,628
Intangible Assets$4,088$1,379▼ $2,709
Total Assets$62,020$70,383▲ $8,363
Liabilities
Other Liabilities$35,870$51,932▲ $16,062
Accounts Payable and Accrued Expenses$3,634$3,494▼ $140
Total Liabilities$62,020$70,383▲ $8,363
Net Assets / Fund Balance
Total Net Assets Fund Balance$0$0→ $0
Total Liabilities and Net Assets / Fund Balance$62,020$70,383▲ $8,363

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,838$567,217$571,055
Land$5,854-$5,854
Equipment$1,853$1,843$3,696
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Tammy S BelinManagertreasurerPT$22,100$22,100
Kihm CarlsonMaintenancePT$12,300$12,300

Board Members and Trustees

NameTitle
Mark SchwankePresident
Dennis ArpVice President
Beverly WhitedMember at Large
Carrie JewellMember at Large
Faye SchwankeMember at Large
Rodney WhitedMember at Large
Walter VenmanMember at Large
Jerry JewellMemeber at Large
Judy RappSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$279
Program Service Revenue
$25,470
Investment Income
$0
Other Revenue
$97,945
All Other Contributions
$279
Change in Net Assets
$-66,453
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$152,402
Salaries, Compensation, and Employee Benefits$37,745
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Depreciation Depletion$65,646--$65,646
Current Officers, Directors, Trustees, and Key Employees-$34,400-$34,400
Other Expenses$32,561--$32,561
Insurance$15,185$615-$15,800
Payroll Taxes-$3,345-$3,345
Office Expenses$1,374--$1,374
Advertising$150--$150
Total Functional Expenses$151,787$38,360$0$190,147
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$22,516$14,957▼ $7,559
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other$44,919
Accounts Payable$3,474
Payroll$3,199
Credit Cards$340
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line 8A

Board meetings held quarterly with reports given and recorded

Part VI Line 8B

No seperate commitees

Part VI Line 11B

Copies will be provided at the next board meeting, Oct 7, 2025

Part VI Line 12C

Yhere is no policy written, however a report must be submitted

Part VI Line 12C

every three years to USDA-PD

Part VI Line 19

No documents avilable to the public

Filing and Contact Details

Filer

Filer Name
NORTHERN AREA HOMES iNC
EIN
23-7367482
In Care Of
% TAMMY S BELIN
Phone
8142185754
Address
PO BOX 252, RUSSELL, PA 16345
Doing Business As
NORTHERN AREA HOMES iNC

Signing Officer

Name
Tammy S Belin
Title
Managertreasurer
Phone
8142185754
Signed
2025-10-27

Organization Details

Principal Officer
Mark Schwanke
Formed
1969
Legal Domicile
Pa
Voting Board Members
11
Independent Board Members
0
Employees
2
Supplemental Narrative

Additional Explanations

XII

Have not located accountant firm willing to take on a non-profit

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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/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt11383
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01221
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11383
IRS990/OtherRevenueTotalAmt02604
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt03345
IRS990/PayrollTaxesGrp/TotalAmt03345
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0MARK SCHWANKE
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0532000
IRS990/ProgramServiceRevenueGrp/Desc0USDA - RURAL DEVELOPMENT
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt025470
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt025470
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt01340
IRS990/PYExcessBenefitTransInd0false
IRS990/PYOtherExpensesAmt087397
IRS990/PYOtherRevenueAmt098335
IRS990/PYProgramServiceRevenueAmt036881
IRS990/PYRevenuesLessExpensesAmt08451
IRS990/PYSalariesCompEmpBnftPaidAmt037713
IRS990/PYTotalExpensesAmt0128105
IRS990/PYTotalProfFndrsngExpnsAmt02995
IRS990/PYTotalRevenueAmt0136556
IRS990/ReconcilationRevenueExpnssAmt0-66453
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt095341
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt028446
IRS990/SavingsAndTempCashInvstGrp/EOYAmt028993
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0279
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt01340
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01619
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0121011
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0121011
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct00.00000
IRS990ScheduleA/PublicSupportTotal509Amt0122630
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0121290
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt01340
IRS990ScheduleA/Total509Grp/TotalAmt0122630
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0121290
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt01340
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0122630
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt03838
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0567217
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0571055
IRS990ScheduleD/EquipmentGrp/BookValueAmt01853
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01843
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03696
IRS990ScheduleD/LandGrp/BookValueAmt05854
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt05854
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03474
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1340
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt23199
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt344919
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Accounts Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Credit Cards
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Payroll
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Other
IRS990ScheduleD/TotalBookValueLandBuildingsAmt011545
IRS990ScheduleD/TotalLiabilityAmt051932
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Board meetings held quarterly with reports given and recorded
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1No seperate commitees
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Copies will be provided at the next board meeting, Oct 7, 2025
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Yhere is no policy written, however a report must be submitted
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4every three years to USDA-PD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5No documents avilable to the public
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6HAVE NOT LOCATED ACCOUNTANT FIRM WILLING TO TAKE ON A NON-PROFIT
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 8a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0PA
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt062020
IRS990/TotalAssetsEOYAmt070383
IRS990/TotalAssetsGrp/BOYAmt062020
IRS990/TotalAssetsGrp/EOYAmt070383
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0279
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt038360
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0151787
IRS990/TotalFunctionalExpensesGrp/TotalAmt0190147
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt062020
IRS990/TotalLiabilitiesEOYAmt070383
IRS990/TotalLiabilitiesGrp/BOYAmt062020
IRS990/TotalLiabilitiesGrp/EOYAmt070383
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt025470
IRS990/TotalReportableCompFromOrgAmt034400
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt028074
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0123694
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt062020
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt070383
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt02814 HULTBURG RD
IRS990/USAddress/CityNm0RUSSELL
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd016345
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt00
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0TAMMY S BELIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGERTREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum08142185754
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NORTHERN AREA HOMES iNC
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0237367482
ReturnHeader/Filer/InCareOfNm0% TAMMY S BELIN
ReturnHeader/Filer/PhoneNum08142185754
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 252
ReturnHeader/Filer/USAddress/CityNm0RUSSELL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0PA
ReturnHeader/Filer/USAddress/ZIPCd016345
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/ReturnTs02025-10-27T18:29:32-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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