Civic Intelligence

Northwest Iowa Regional Housing Tru

EIN 27-0375039 • 501(c)3 • Spencer, IA

Profile

To promote the creation and preservation of affordable housing for low to moderate income persons residing within the region.

217 W 5th StreetSpencer, IA 51301

n/A

Siviq Scores

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

Liabilities / Assets

28th percentile

0.00x

Higher debt load relative to assets than 28% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

38th percentile

0.03x

Higher debt load relative to revenue than 38% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Net Margin

4th percentile

-84%

Higher net margin than 4% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

40th percentile

$0

Higher top officer pay than 40% of similar nonprofits.

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

501(c)3 • $1M-$5M nonprofits • Source year 2025

Asset Growth

16th percentile

-11%

Faster asset growth than 16% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

8th percentile

-41%

Faster revenue growth than 8% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets28th percentile

Assets

Down

$1,964,125

Down $243,296 (-11%) from 2024

Liabilities

Down

$8,592

Down $610 (-6.6%) from 2024

Net Assets

Down

$1,955,533

Down $242,686 (-11%) from 2024

Operations
Liabilities / Revenue38th percentileNet Margin4th percentile

Revenue

Down

$288,468

Down $196,730 (-41%) from 2024

Expenses

Up

$531,154

Up $246,956 (+87%) from 2024

Net Income

Down

-$242,686

Down $443,686 (-221%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth16th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $308,366Liabilities 2010: $0Net Assets 2010: $308,3662010Assets 2011: $583,956Liabilities 2011: $280,586Net Assets 2011: $303,3702011Assets 2012: $606,187Liabilities 2012: $314,830Net Assets 2012: $291,3572012Assets 2013: $676,342Liabilities 2013: $335,710Net Assets 2013: $340,6322013Assets 2014: $913,995Liabilities 2014: $398,021Net Assets 2014: $515,9742014Assets 2015: $1,160,074Liabilities 2015: $377,642Net Assets 2015: $782,4322015Assets 2016: $1,256,054Liabilities 2016: $0Net Assets 2016: $1,256,0542016Assets 2018: $1,372,956Liabilities 2018: $38,495Net Assets 2018: $1,334,4612018Assets 2019: $1,557,359Liabilities 2019: $41,392Net Assets 2019: $1,515,9672019Assets 2020: $1,673,583Liabilities 2020: $39,852Net Assets 2020: $1,633,7312020Assets 2021: $1,871,780Liabilities 2021: $48,672Net Assets 2021: $1,823,1082021Assets 2022: $1,910,368Liabilities 2022: $46,623Net Assets 2022: $1,863,7452022Assets 2023: $2,002,451Liabilities 2023: $5,232Net Assets 2023: $1,997,2192023Assets 2024: $2,207,421Liabilities 2024: $9,202Net Assets 2024: $2,198,2192024Assets 2025: $1,964,125Liabilities 2025: $8,592Net Assets 2025: $1,955,5332025

Highlighted filing

2025

Assets$1,964,125
Liabilities$8,592
Net Assets$1,955,533
Open 2025 Filing

Operations Trend

Revenue Growth8th percentile

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

$600K$400K$200K$0-$200K-$400KExpenses 2010: $30,9692010Expenses 2011: $66,7932011Expenses 2012: $90,0312012Revenue 2013: $166,404Expenses 2013: $117,129Net Income 2013: $49,2752013Revenue 2014: $326,952Expenses 2014: $151,610Net Income 2014: $175,3422014Revenue 2015: $459,733Expenses 2015: $193,275Net Income 2015: $266,4582015Revenue 2016: $335,412Expenses 2016: $258,670Net Income 2016: $76,7422016Revenue 2018: $218,528Expenses 2018: $223,573Net Income 2018: -$5,0452018Revenue 2019: $383,592Expenses 2019: $202,086Net Income 2019: $181,5062019Revenue 2020: $339,378Expenses 2020: $221,614Net Income 2020: $117,7642020Revenue 2021: $452,975Expenses 2021: $263,598Net Income 2021: $189,3772021Revenue 2022: $322,091Expenses 2022: $281,454Net Income 2022: $40,6372022Revenue 2023: $403,205Expenses 2023: $269,731Net Income 2023: $133,4742023Revenue 2024: $485,198Expenses 2024: $284,198Net Income 2024: $201,0002024Revenue 2025: $288,468Expenses 2025: $531,154Net Income 2025: -$242,6862025

Highlighted filing

2025

Revenue$288,468
Expenses$531,154
Net Income-$242,686
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$1,964,125
Liabilities
$8,592
Net assets
$1,955,533
Revenue
$288,468
Expenses
$531,154
Net income
-$242,686
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.96$0.01$1.96$0.29$0.53$0.24
2024Detailed filing. Detailed filing data is available for this year.$2.21$0.01$2.20$0.49$0.28$0.20
2023Detailed filing. Detailed filing data is available for this year.$2.00$0.01$2.00$0.40$0.27$0.13
2022Detailed filing. Detailed filing data is available for this year.$1.91$0.05$1.86$0.32$0.28$0.04
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.87$0.05$1.82$0.45$0.26$0.19
2020Detailed filing. Detailed filing data is available for this year.$1.67$0.04$1.63$0.34$0.22$0.12
2019Detailed filing. Detailed filing data is available for this year.$1.56$0.04$1.52$0.38$0.20$0.18
2018Detailed filing. Detailed filing data is available for this year.$1.37$0.04$1.33$0.22$0.22$0.01
2016Detailed filing. Detailed filing data is available for this year.$1.26$0.00$1.26$0.34$0.26$0.08
2015Detailed filing. Detailed filing data is available for this year.$1.16$0.38$0.78$0.46$0.19$0.27
2014Detailed filing. Detailed filing data is available for this year.$0.91$0.40$0.52$0.33$0.15$0.18
2013Detailed filing. Detailed filing data is available for this year.$0.68$0.34$0.34$0.17$0.12$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.61$0.31$0.29$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.58$0.28$0.30$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.31$0.00$0.31$0.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Dec 2, 2025
Return Version
2024v5.0
Gross Receipts
$288,468
Mission and Program Overview

Mission

To promote the creation and preservation of affordable housing for low to moderate income persons residing within the region.

Preservation of affordable housing for low to moderate income persons residing within the region.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,092,462$1,046,640▼ $45,822
Cash and Non-Interest-Bearing Accounts$1,045,524$899,168▼ $146,356
Accounts Receivable$69,435$18,317▼ $51,118
Total Assets$2,207,421$1,964,125▼ $243,296
Liabilities
Deferred Revenue$5,763$6,479▲ $716
Accounts Payable and Accrued Expenses$3,439$2,113▼ $1,326
Total Liabilities$9,202$8,592▼ $610
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,198,219$1,955,533▼ $242,686
Total Net Assets Fund Balance$2,198,219$1,955,533▼ $242,686
Total Liabilities and Net Assets / Fund Balance$2,207,421$1,964,125▼ $243,296
Compensation and Service Providers
Top Officer Pay40th percentile

Board Members and Trustees

NameTitle
Cal CleveringaDirector
Courtney DelossDirector
Craig HoftyzerDirector
Dan FriedrichsenDirector
Dennis ScholtenDirector
Gretchen ReichterDirector
Jeff QuastadDirector
Jerry HelmersDirector
Josh EarllDirector
Kathy CrokerDirector
Mike TidemannDirector
Pam VirelliDirector
Roger FaulstickDirector
Stacey ZimmerDirector
Steve JimmersonDirector
Ted KourousisDirector
Tim FairchildDirector
Tj ThayerDirector
Wendy HuismanDirector
Kristin WestermanSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$246,328
Program Service Revenue
$6,747
Investment Income
$35,393
Other Revenue
$0
Change in Net Assets
$-242,686

Audited Revenue Reconciliation

Revenue per Audited Statements
$288,468
Total Revenue per Audited Statements
$288,468
Total Revenue per Form 990
$288,468
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$531,154
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other-$26,966-$26,966
Other Expenses$251--$251
Total Functional Expenses$504,188$26,966$0$531,154

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$531,154
Total Expenses per Audited Statements$531,154
Total Expenses per Form 990$531,154
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 9

“Dan friedrichsen 4648 walnut ave sutherland, ia 51058 stacey zimmer po box 446 sutherland , ia 51058 jerry helmers 2559 sorrel ave. Melvin, ia 51350 josh earll 120 9th street sibley , ia 51249 dennis scholten 2628 chery avenue inwood, ia 51240 wendy huisman 203 s. 2nd avenue rock rapids, ia 51246 craig hoftyzer 4060 350th street boyden , ia 51234 cal cleveringa 1351 13th ave. Se 43 sioux center, ia 51250 jeff quastad 1630 470th ave estherville, ia 51334 mike tidemann 614 s 15th st estherville, ia 51334 kathy croker 8 st. Andrews court alta, ia 51002 steve jimmerson 702 buena vista street alta, ia 51002 tim fairchild 505 34th st. Milford, ia 51351 t.j. Thayer 300 keokuk avenue spirit lake, ia 51360 pam virelli 203 king avenue royal, ia 51357 roger faulstick 2508 17th street emmetsburg , ia 50536 gretchen reichter 14 n lawlet street emmetsburg, ia 50536”

Form 990, Page 6, Part VI, Line 11B

“The board receives a copy of the return before it is filed and reviews the accuracy of the information used to complete it. The board approves the return to be filed.”

Form 990, Page 6, Part VI, Line 12C

“If any board member concludes that they have a conflict of interest, they shall declare their conflict for reflection in the minutes and shall not participate or vote with regard to the issue for which they have a conflict. The board may also conclude that one of its members has a conflict. Such a decison of the board shall be reflected in the minutes, and the board member determined to have a conflict shall not participate or vote as to that issue.”

Form 990, Page 6, Part VI, Line 19

“Governing documents are available upon request and at the annual public hearing meeting.”

Filing and Contact Details

Filer

Filer Name
Northwest Iowa Regional Housing Tru
EIN
27-0375039
Phone
7122627225
Address
217 W 5TH STREET, SPENCER, IA 51301

Signing Officer

Name
Ted Kourousis
Title
Director
Phone
7122627225
Signed
2025-12-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ted Kourousis
Formed
2010
Legal Domicile
Ia
Voting Board Members
20
Independent Board Members
20
Employees
0

Preparer

Firm
Williams & Company CPA Pc
Address
PO BOX 908, SPENCER, IA 51301
Preparer
Kelsi S Stange CPA
Phone
7122621500
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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/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DAN FRIEDRICHSEN 4648 WALNUT AVE SUTHERLAND, IA 51058 STACEY ZIMMER PO BOX 446 SUTHERLAND , IA 51058 JERRY HELMERS 2559 SORREL AVE. MELVIN, IA 51350 JOSH EARLL 120 9TH STREET SIBLEY , IA 51249 DENNIS SCHOLTEN 2628 CHERY AVENUE INWOOD, IA 51240 WENDY HUISMAN 203 S. 2ND AVENUE ROCK RAPIDS, IA 51246 CRAIG HOFTYZER 4060 350TH STREET BOYDEN , IA 51234 CAL CLEVERINGA 1351 13TH AVE. SE 43 SIOUX CENTER, IA 51250 JEFF QUASTAD 1630 470TH AVE ESTHERVILLE, IA 51334 MIKE TIDEMANN 614 S 15TH ST ESTHERVILLE, IA 51334 KATHY CROKER 8 ST. ANDREWS COURT ALTA, IA 51002 STEVE JIMMERSON 702 BUENA VISTA STREET ALTA, IA 51002 TIM FAIRCHILD 505 34TH ST. MILFORD, IA 51351 T.J. THAYER 300 KEOKUK AVENUE SPIRIT LAKE, IA 51360 PAM VIRELLI 203 KING AVENUE ROYAL, IA 51357 ROGER FAULSTICK 2508 17TH STREET EMMETSBURG , IA 50536 GRETCHEN REICHTER 14 N LAWLET STREET EMMETSBURG, IA 50536
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD RECEIVES A COPY OF THE RETURN BEFORE IT IS FILED AND REVIEWS THE ACCURACY OF THE INFORMATION USED TO COMPLETE IT. THE BOARD APPROVES THE RETURN TO BE FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2IF ANY BOARD MEMBER CONCLUDES THAT THEY HAVE A CONFLICT OF INTEREST, THEY SHALL DECLARE THEIR CONFLICT FOR REFLECTION IN THE MINUTES AND SHALL NOT PARTICIPATE OR VOTE WITH REGARD TO THE ISSUE FOR WHICH THEY HAVE A CONFLICT. THE BOARD MAY ALSO CONCLUDE THAT ONE OF ITS MEMBERS HAS A CONFLICT. SUCH A DECISON OF THE BOARD SHALL BE REFLECTED IN THE MINUTES, AND THE BOARD MEMBER DETERMINED TO HAVE A CONFLICT SHALL NOT PARTICIPATE OR VOTE AS TO THAT ISSUE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST AND AT THE ANNUAL PUBLIC HEARING MEETING.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0TED KOUROUSIS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum07122627225

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