Civic Intelligence

Champlain Housing Loan Fund Inc

EIN 27-1260007 • 501(c)3

Profile

Champlain housing loan fund will make low-cost home rehabilitation loans to low-income homeowners and purchase assistance loans to low-income homebuyers in vermont.

88 King Street05401

n/A

Siviq Scores

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

Liabilities / Assets

41st percentile

0.03x

Higher debt load relative to assets than 41% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2013

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2013

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

74th percentile

15%

Faster asset growth than 74% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets41st percentile

Assets

Down

$0

Down $3,482,946 (-100%) from 2013

Liabilities

Down

$0

Down $103,121 (-100%) from 2013

Net Assets

Down

$0

Down $3,379,825 (-100%) from 2013

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

$0

No earlier filing loaded for comparison.

Expenses

Up

$3,379,825

Up $3,001,751 (+794%) from 2013

Net Income

-$3,379,825

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth74th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2012: $3,017,347Liabilities 2012: $83,871Net Assets 2012: $2,933,4762012Assets 2013: $3,482,946Liabilities 2013: $103,121Net Assets 2013: $3,379,8252013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2014

Assets$0
Liabilities$0
Net Assets$0
Open 2014 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$2.0M$0-$2.0M-$4.0MExpenses 2012: $498,9062012Expenses 2013: $378,0742013Revenue 2014: $0Expenses 2014: $3,379,825Net Income 2014: -$3,379,8252014

Highlighted filing

2014

Revenue$0
Expenses$3,379,825
Net Income-$3,379,825
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$0
Expenses
$3,379,825
Net income
-$3,379,825
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.00$3.38$3.38
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.48$0.10$3.38$0.38
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.02$0.08$2.93$0.50
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2013 to Sep 30, 2014
Signed
Feb 5, 2015
Return Version
2013v4.0
Gross Receipts
$0
Mission and Program Overview

Mission

Champlain housing loan fund will make low-cost home rehabilitation loans to low-income homeowners and purchase assistance loans to low-income homebuyers in vermont.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,833,713--
Cash and Non-Interest-Bearing Accounts$561,133--
Pledges and Grants Receivable$88,100--
Total Assets$3,482,946$0▼ $3,482,946
Liabilities
Other Liabilities$92,121$0▼ $92,121
Accounts Payable and Accrued Expenses$11,000--
Total Liabilities$103,121$0▼ $103,121
Net Assets / Fund Balance
Unrestricted Net Assets$3,379,825$0▼ $3,379,825
Total Net Assets Fund Balance$3,379,825$0▼ $3,379,825
Total Liabilities and Net Assets / Fund Balance$3,482,946$0▼ $3,482,946
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleOtherTotal
Brenda TorpyChief Executive Officer$127,081$127,081
Michael MonteChief Operating Officer$114,276$114,276
Kandi ThermansenChief Administrative Offic$85,441$85,441

Board Members and Trustees

NameTitle
Sarah MuyskensPresident
Kathy T LuceVice President
Brian LoweDirector
Carina DriscollDirector
Dawn FrancisDirector
Jess WilsonDirector
John OlsonDirector
Mike LonerDirector
Robin BarnettDirector
Rosalyn GrahamDirector
Sandra DooleyDirector
William PearsonDirector
Xu ZhouDirector
Adam PiperSecretary
Paul SissonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-3,379,825
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,379,825
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
Payments to Affiliates$3,374,647--$3,374,647
Other Expenses$5,178--$5,178
Total Functional Expenses$3,379,825$0$0$3,379,825
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
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The members include the board of directors.”

Form 990, Part VI, Section A, Line 7A

“The board of directors are elected by its members.”

Form 990, Part VI, Section A, Line 7B

“The board of directors vote to approve governing decisions.”

Form 990, Part VI, Section B, Line 11

“The form 990 is reviewed by the finance committee and is given final approval after the board of directors approve the audit.”

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

“The conflict of interest policies are enforced by the board of directors.”

Form 990, Part VI, Section B, Line 15

“The organization reviews compensation data of comparable organizations in the area.”

Form 990, Part VI, Section C, Line 19

“All organizing and operating documents are available to the public upon request.”

Form 990, Part VII, Section A, Columns B and E

“All reportable compensation from related organizations in column (e) is from champlain housing trust. Brenda torpy, michael monte and kandi thermansen all work an average 4 hours per week for the organization, per column (b), and also work an average 36 hours per week for the related entity, champlain housing trust.”

Filing and Contact Details

Filer

EIN
27-1260007
Phone
8028626244

Signing Officer

Name
Mike Bourgea
Title
Director of Finance
Phone
8028626244
Signed
2015-02-05

Organization Details

Principal Officer
Mike Bourgea
Formed
2011
Legal Domicile
Vt
Voting Board Members
15
Independent Board Members
15
Employees
0
Volunteers
0

Preparer

Preparer
Thomas Gioia
Phone
2077801100
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IRS990ScheduleA/TotalSupportAmt04039330
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleN/DirectorOfSuccessor2Ind00
IRS990ScheduleN/DispositionOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0NOTES RECEIVABLE AND CASH.
IRS990ScheduleN/DispositionOfAssetsDetail/BusinessName/BusinessNameLine10CHAMPLAIN HOUSING TRUST
IRS990ScheduleN/DispositionOfAssetsDetail/DistributionDt02014-01-15
IRS990ScheduleN/DispositionOfAssetsDetail/EIN0222536446
IRS990ScheduleN/DispositionOfAssetsDetail/FairMarketValueOfAssetAmt03374647
IRS990ScheduleN/DispositionOfAssetsDetail/IRCSectionTxt0501(C)(3)
IRS990ScheduleN/DispositionOfAssetsDetail/MethodOfFMVDeterminationTxt0BOOK VALUE
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/AddressLine1088 KING STREET
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/City0BURLINGTON
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/State0VT
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/ZIPCode005401
IRS990ScheduleN/EmployeeOfSuccessor2Ind00
IRS990ScheduleN/OwnerOfSuccessor2Ind00
IRS990ScheduleN/ReceiveCompensation2Ind00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE MEMBERS INCLUDE THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS VOTE TO APPROVE GOVERNING DECISIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED BY THE FINANCE COMMITTEE AND IS GIVEN FINAL APPROVAL AFTER THE BOARD OF DIRECTORS APPROVE THE AUDIT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CONFLICT OF INTEREST POLICIES ARE ENFORCED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION REVIEWS COMPENSATION DATA OF COMPARABLE ORGANIZATIONS IN THE AREA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ALL ORGANIZING AND OPERATING DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ALL REPORTABLE COMPENSATION FROM RELATED ORGANIZATIONS IN COLUMN (E) IS FROM CHAMPLAIN HOUSING TRUST. BRENDA TORPY, MICHAEL MONTE AND KANDI THERMANSEN ALL WORK AN AVERAGE 4 HOURS PER WEEK FOR THE ORGANIZATION, PER COLUMN (B), AND ALSO WORK AN AVERAGE 36 HOURS PER WEEK FOR THE RELATED ENTITY, CHAMPLAIN HOUSING TRUST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VII, SECTION A, COLUMNS B AND E
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine10CHAMPLAIN HOUSING TRUST
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0222536446
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)(3)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0VT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0AFFORDABLE HOUSING
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0LINE 9
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1088 KING STREET
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/City0BURLINGTON
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/State0VT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCode005401
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt03374647
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0ACCRUAL
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine10CHAMPLAIN HOUSING TRUST
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0R
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd01
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt03482946
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt03482946
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt03379825
IRS990/TotalFunctionalExpensesGrp/TotalAmt03379825
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0103121
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt0103121
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03379825
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt03379825
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt00
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03482946
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt0326798
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt03379825

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