Civic Intelligence

Holdingford Housing Corporation

EIN 23-7423086 • 501(c)4 • St Cloud, MN

Profile

Provide on a non-profit basis, housing for low and moderate income families.

911 18th St NSt Cloud, MN 56303
Siviq Scores

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

Liabilities / Assets

97th percentile

1.86x

Higher debt load relative to assets than 97% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

98th percentile

2.30x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2024

Net Margin

25th percentile

-16%

Higher net margin than 25% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2024

Top Officer Pay

89th percentile

$0

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)4 • <$500k nonprofits • Source year 2024

Asset Growth

35th percentile

-11%

Faster asset growth than 35% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

46th percentile

-3.6%

Faster revenue growth than 46% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets97th percentile

Assets

Down

$104,362

Down $13,270 (-11%) from 2023

Liabilities

Up

$194,532

Up $8 (+0.0%) from 2023

Net Assets

Down

-$90,170

Down $13,278 (-17%) from 2023

Operations
Liabilities / Revenue98th percentileNet Margin25th percentile

Revenue

Down

$84,543

Down $3,178 (-3.6%) from 2023

Expenses

Down

$97,821

Down $1,735 (-1.7%) from 2023

Net Income

Down

-$13,278

Down $1,443 (-12%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

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

$300K$200K$100K$0-$100KAssets 2020: $132,767Liabilities 2020: $196,265Net Assets 2020: -$63,4982020Assets 2021: $137,454Liabilities 2021: $193,548Net Assets 2021: -$56,0942021Assets 2022: $137,145Liabilities 2022: $202,202Net Assets 2022: -$65,0572022Assets 2023: $117,632Liabilities 2023: $194,524Net Assets 2023: -$76,8922023Assets 2024: $104,362Liabilities 2024: $194,532Net Assets 2024: -$90,1702024

Highlighted filing

2024

Assets$104,362
Liabilities$194,532
Net Assets-$90,170
Open 2024 Filing

Operations Trend

Revenue Growth46th percentile

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

$150K$100K$50K$0-$50KRevenue 2020: $82,763Expenses 2020: $110,384Net Income 2020: -$27,6212020Revenue 2021: $93,703Expenses 2021: $86,299Net Income 2021: $7,4042021Revenue 2022: $89,908Expenses 2022: $98,871Net Income 2022: -$8,9632022Revenue 2023: $87,721Expenses 2023: $99,556Net Income 2023: -$11,8352023Revenue 2024: $84,543Expenses 2024: $97,821Net Income 2024: -$13,2782024

Highlighted filing

2024

Revenue$84,543
Expenses$97,821
Net Income-$13,278
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$104,362
Liabilities
$194,532
Net assets
-$90,170
Revenue
$84,543
Expenses
$97,821
Net income
-$13,278
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.04$1.95$0.90$0.85$0.98$0.13
2023Detailed filing. Detailed filing data is available for this year.$1.18$1.95$0.77$0.88$1.00$0.12
2022Detailed filing. Detailed filing data is available for this year.$1.37$2.02$0.65$0.90$0.99$0.09
2021Detailed filing. Detailed filing data is available for this year.$1.37$1.94$0.56$0.94$0.86$0.07
2020Detailed filing. Detailed filing data is available for this year.$1.33$1.96$0.63$0.83$1.10$0.28
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 22, 2025
Return Version
2024v5.0
Gross Receipts
$84,543
Mission and Program Overview

Mission

Provide on a non-profit basis, housing for low and moderate income families.

Program Services

DescriptionGrantsExpenses
WE PROVIDED 16 HOUSING UNITS TO LOW AND MODERATE INCOME FAMILIES, ON A NON-PROFIT BASIS.$0$66,674
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
STEVE BRESNAHANBoard President-$0--
RENAE STERNKEBoard Vice President-$0--
TONYA SCHMIDTBoard Secretary/Treasurer-$0--
JOANNE BROSCHOFSKYDirector Of Finance-$0--
STACY PEDERSONDirector Of Affordable & Transitional Housing-$0--
Filing and Contact Details

Filer

Filer Name
Holdingford Housing Corporation
EIN
23-7423086
Phone
3206501550
Address
911 18TH ST N, ST CLOUD, MN 56303

Signing Officer

Name
Renae Sternke
Title
Board Vice President
Phone
3206501550
Signed
2025-09-22
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 16

“Office expense, misc expense & late fees”

Form 990-EZ, Part II, Line 24

“Accounts receivable and prepaid insurance”

Form 990-EZ, Part II, Line 26

“Accounts payable, security deposit liability, prepaid rents, long term debt, and mortgage payable.”

Raw XML Appendix134 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
IRS990EZ/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BenefitsPaidToOrForMembersAmt00
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CATHOLIC CHARITIES OF THE DIOCESE OF ST CLOUD
IRS990EZ/BooksInCareOfDetail/PhoneNum03206501550
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0911 18TH ST N
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0ST CLOUD
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd056303
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt065584
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt064295
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt00
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt0-13278
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt027846
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form1120PolFiledInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0117632
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0104362
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt084543
IRS990EZ/GrossSalesOfInventoryAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt01841
IRS990EZ/LandAndBuildingsGrp/BOYAmt048884
IRS990EZ/LandAndBuildingsGrp/EOYAmt036354
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0-76892
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0-90170
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0-76892
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0-90170
IRS990EZ/OccupancyRentUtltsAndMaintAmt066674
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00.07
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10.07
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt20.07
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt43
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0STEVE BRESNAHAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1RENAE STERNKE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2TONYA SCHMIDT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3JOANNE BROSCHOFSKY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4STACY PEDERSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0BOARD PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1BOARD VICE PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2BOARD SECRETARY/TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR OF FINANCE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR OF AFFORDABLE & TRANSITIONAL HOUSING
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherAssetsTotalDetail/BOYAmt03164
IRS990EZ/OtherAssetsTotalDetail/EOYAmt03713
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt03301
IRS990EZ/OtherRevenueTotalAmt00
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0PROVIDE ON A NON-PROFIT BASIS, HOUSING FOR LOW AND MODERATE INCOME FAMILIES.
IRS990EZ/PrintingPublicationsPostageAmt00
IRS990EZ/ProgramServiceRevenueAmt082702
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0WE PROVIDED 16 HOUSING UNITS TO LOW AND MODERATE INCOME FAMILIES, ON A NON-PROFIT BASIS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt066674
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SalariesOtherCompEmplBnftAmt00
IRS990EZ/SaleOfAssetsGrossAmt00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0MN
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0194524
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0194532
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt097821
IRS990EZ/TotalProgramServiceExpensesAmt066674
IRS990EZ/TotalRevenueAmt084543
IRS990EZ/TransactionWithControlEntInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0OFFICE EXPENSE, MISC EXPENSE & LATE FEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ACCOUNTS RECEIVABLE AND PREPAID INSURANCE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ACCOUNTS PAYABLE, SECURITY DEPOSIT LIABILITY, PREPAID RENTS, LONG TERM DEBT, AND MORTGAGE PAYABLE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990-EZ, Part II, Line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Renae Sternke
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Board Vice President
ReturnHeader/BusinessOfficerGrp/PhoneNum03206501550
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HOLDINGFORD HOUSING CORPORATION
ReturnHeader/Filer/BusinessNameControlTxt0HOLD
ReturnHeader/Filer/EIN0237423086
ReturnHeader/Filer/PhoneNum03206501550
ReturnHeader/Filer/USAddress/AddressLine1Txt0911 18TH ST N
ReturnHeader/Filer/USAddress/CityNm0ST CLOUD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd056303
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-09-18T15:00:43-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.