Civic Intelligence

Northwest Ohio Development Agency

990 • Fiscal year 2014 • EIN 34-1909045

Jul 01, 2013 to Jun 30, 2014 • Filed on Oct 24, 2014

Organization ProfileWWW.NODATOLEDO.ORG
432 N Superior Street43604

(419) 243-3734

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

68th percentile

0.30x

Higher debt load relative to assets than 68% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

91st percentile

2.38x

Higher debt load relative to revenue than 91% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Net Margin

17th percentile

-14%

Higher net margin than 17% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

72nd percentile

$105,374

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 24.7% of source-year revenue.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2014

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2014

Balance Sheet
Liabilities / Assets68th percentile

Assets

$3,324,247

No earlier filing loaded for comparison.

Net Assets

$2,311,316

No earlier filing loaded for comparison.

Liabilities

$1,012,931

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin17th percentile

Revenue

$426,316

No earlier filing loaded for comparison.

Expenses

$486,955

No earlier filing loaded for comparison.

Net Income

-$60,639

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$4.0M$3.0M$2.0M$1.0M$0Assets 2014: $3,324,247Liabilities 2014: $1,012,931Net Assets 2014: $2,311,3162014Assets 2015: $2,959,366Liabilities 2015: $988,455Net Assets 2015: $1,970,9112015

Highlighted filing

2014

Assets$3,324,247
Liabilities$1,012,931
Net Assets$2,311,316
Open 2014 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.0M$500K$0-$500KRevenue 2014: $426,316Expenses 2014: $486,955Net Income 2014: -$60,6392014Revenue 2015: $294,092Expenses 2015: $558,005Net Income 2015: -$263,9132015

Highlighted filing

2014

Revenue$426,316
Expenses$486,955
Net Income-$60,639
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2013 to Jun 30, 2014
Signed
Oct 24, 2014
Return Version
2013v4.0
Gross Receipts
$426,316
Mission and Program Overview

Mission

Northwest ohio development agency helps people become financially self- sufficient and builds stable communities. Our agency fulfills its mission by providing mortgage loans, investment capital, grants and supportive services in a holistic fashion to people and organizations within its targeted markets.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,657,069$1,410,719▼ $246,350
Investments in Publicly Traded Securities$1,181,701$1,153,941▼ $27,760
Land, Buildings, and Equipment, Net$166,036$289,167▲ $123,131
Savings and Temporary Cash Investments$129,470$208,360▲ $78,890
Pledges and Grants Receivable$119,524$127,781▲ $8,257
Prepaid Expenses and Deferred Charges$6,772$6,279▼ $493
Total Assets$3,395,372$3,324,247▼ $71,125
Other Assets Total$134,800$128,000▼ $6,800
Liabilities
Other Liabilities$657,814$702,207▲ $44,393
Mortgage Notes Payable Secured by Investment Property$314,245$281,525▼ $32,720
Accounts Payable and Accrued Expenses$51,358$29,199▼ $22,159
Total Liabilities$1,023,417$1,012,931▼ $10,486
Net Assets / Fund Balance
Unrestricted Net Assets$2,126,194$2,211,859▲ $85,665
Temporarily Rstr Net Assets$245,761$99,457▼ $146,304
Total Net Assets Fund Balance$2,371,955$2,311,316▼ $60,639
Total Liabilities and Net Assets / Fund Balance$3,395,372$3,324,247▼ $71,125

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$228,086$16,581$244,667
Land$61,081-$61,081
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Zinn TiffanyPresident/ceFT$99,226$6,148$105,374
Zinn TiffanyPresident/CEO-$99,226$6,148$105,374
Badik Michael EPresident/ceFT$21,875$13,554$35,429

Board Members and Trustees

NameTitle
Bryant JuliaChairperson
Dubose LisaHr Chairpers
Escobar Louis PVice Chairpe
Hornstein Ann MBoard Member
Monago Emily AnnBoard Member
Moye LindaBoard Member
Sabbagh KathrynBoard Member
Salem RobertBoard Member
Siewert Maria LupeBoard Member
Thomas StevenBoard Member
Timmerman BenjaminBoard Member
Walker Ernest JrBoard Member
Widmer JohnSecretary
Perion John JackTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$169,681
Program Service Revenue
$96,744
Investment Income
$176,191
Other Revenue
$-16,300
All Other Contributions
$1,612
Change in Net Assets
$-60,639

Audited Revenue Reconciliation

Revenue per Audited Statements
$426,316
Total Revenue per Audited Statements
$426,316
Total Revenue per Form 990
$426,316
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$305,393
Other Expenses$152,048
Grants and Similar Amounts Paid$29,514
Total Fundraising Expense$11,813
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons$93,782$8,429$3,163$105,374
Other Salaries and Wages$77,149$6,935$2,601$86,685
Other Employee Benefits$45,061$4,051$1,519$50,631
Current Officers, Directors, Trustees, and Key Employees$31,531$2,834$1,064$35,429
Grants to Domestic Individuals$29,514--$29,514
Occupancy$17,570$1,579$592$19,741
Interest$15,776$1,418$532$17,726
Payroll Taxes$15,450$1,389$521$17,360
Fees for Services Management$14,596$1,312$492$16,400
Pension Plan Contributions$8,824$793$297$9,914
Depreciation Depletion$9,130--$9,130
Insurance$7,047$634$238$7,919
Fees for Service Investment Mgmnt Fees$5,367$482$181$6,030
Office Expenses$3,517$316$118$3,951
Advertising$3,308$297$112$3,717
Fees for Services Other$2,844$256$95$3,195
Conferences and Meetings$2,542$229$86$2,857
Travel$1,647$148$56$1,851
Other Expenses$978$88$33$1,099
Fees for Services Legal$441$40$14$495
All Other Expenses$-17,391--$-17,391
Total Functional Expenses$443,648$31,494$11,813$486,955

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$486,955
Total Expenses per Audited Statements$486,955
Total Expenses per Form 990$486,955
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Line of Credit$702,207
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“The 990 is disseminated to the board of directors prior to submission and approved for submission at monthly board meetings.”

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

“Annual inquiry of current board members. New board members provide documentation of conflict of interest policy and disclose any conflicts, if they exist, at the time of accepting the board member position.”

Form 990, Page 6, Part VI, Line 15A

“Annual review performed for ceo and executive director. This review is performed by the board of directors and the board approves annual compensation for these positions.”

Form 990, Page 6, Part VI, Line 15B

“Annual review is performed for officers and other key employees. Officers of the organization are not compensated. Key employees compensation is determined and approved by board of directors on an annual basis.”

Form 990, Page 6, Part VI, Line 19

“Governing documents, conflict of interest policy, and financial statements are made available to public upon request.”

Filing and Contact Details

Filer

EIN
34-1909045
Phone
4192433734

Signing Officer

Name
Michael E Badik
Title
President and CEO
Phone
4192433734
Signed
2014-10-24

Organization Details

Principal Officer
Michael E Badik
Formed
1998
Legal Domicile
Oh
Voting Board Members
14
Independent Board Members
14
Employees
8

Preparer

Preparer
Leslie a Demarco CPA Cfe
Phone
4199310250
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Northwest ohio development agency helps people become financially self- sufficient and builds stable communities. Our agency fulfills its mission by providing mortgage loans, investment capital, grants and supportive services in a holistic fashion to people and organizations within its targeted markets.”

Financial Statement Notes

Schedule D, Page 3, Part X

“This organization is a not-for-profit corporation that qualifies as a charitable organization under section 501(c)(3) of the internal revenue code and, accordingly, is exempt from federal income taxes. The organization has evaluated the guidelines related to uncertain tax positions and has concluded that the organization has no significant financial statement exposure to uncertain tax positions at june 30, 2014.”

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IRS990/LegalDomicileStateCd0OH
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IRS990/LobbyingActivitiesInd0false
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IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0NORTHWEST OHIO DEVELOPMENT AGENCY HELPS PEOPLE BECOME FINANCIALLY SELF- SUFFICIENT AND BUILDS STABLE COMMUNITIES. OUR AGENCY FULFILLS ITS MISSION BY PROVIDING MORTGAGE LOANS, INVESTMENT CAPITAL, GRANTS AND SUPPORTIVE SERVICES IN A HOLISTIC FASHION TO PEOPLE AND ORGANIZATIONS WITHIN ITS TARGETED MARKETS.
IRS990/MoreThan5000KToIndividualsInd0false
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IRS990/OccupancyGrp/ManagementAndGeneralAmt01579
IRS990/OccupancyGrp/ProgramServicesAmt017570
IRS990/OccupancyGrp/TotalAmt019741
IRS990/OfficeExpensesGrp/FundraisingAmt0118
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0316
IRS990/OfficeExpensesGrp/ProgramServicesAmt03517
IRS990/OfficeExpensesGrp/TotalAmt03951
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt0128000
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt01519
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt04051
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt045061
IRS990/OtherEmployeeBenefitsGrp/TotalAmt050631
IRS990/OtherExpensesGrp/Desc0PROPERTY MAINTENANCE FEES
IRS990/OtherExpensesGrp/Desc1TELEPHONE
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc3EQUIPMENT RENT & REPAIRS
IRS990/OtherExpensesGrp/FundraisingAmt061
IRS990/OtherExpensesGrp/FundraisingAmt138
IRS990/OtherExpensesGrp/FundraisingAmt233
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0164
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1100
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt288
IRS990/OtherExpensesGrp/ProgramServicesAmt072126
IRS990/OtherExpensesGrp/ProgramServicesAmt11822
IRS990/OtherExpensesGrp/ProgramServicesAmt21017
IRS990/OtherExpensesGrp/ProgramServicesAmt3978
IRS990/OtherExpensesGrp/TotalAmt072126
IRS990/OtherExpensesGrp/TotalAmt12047
IRS990/OtherExpensesGrp/TotalAmt21155
IRS990/OtherExpensesGrp/TotalAmt31099
IRS990/OtherLiabilitiesGrp/BOYAmt0657814
IRS990/OtherLiabilitiesGrp/EOYAmt0702207
IRS990/OtherRevenueMiscGrp/Desc0PROPERTY VALUE WRITE DOWNS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0-16300
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0-16300
IRS990/OtherRevenueTotalAmt0-16300
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt02601
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt06935
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt077149
IRS990/OtherSalariesAndWagesGrp/TotalAmt086685
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01657069
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01410719
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt0521
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt01389
IRS990/PayrollTaxesGrp/ProgramServicesAmt015450
IRS990/PayrollTaxesGrp/TotalAmt017360
IRS990/PensionPlanContributionsGrp/FundraisingAmt0297
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0793
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt08824
IRS990/PensionPlanContributionsGrp/TotalAmt09914
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0119524
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0127781
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt06772
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt06279
IRS990/PrincipalOfficerNm0MICHAEL E BADIK
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0LOAN MORTGAGE INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1RENTAL HOME INCOME
IRS990/ProgramServiceRevenueGrp/Desc2CLIENT LOAN FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt069669
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt123258
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt23817
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt069669
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt123258
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23817
IRS990/ProgSrvcAccomActy2Grp/Desc0INDIVIDUAL DEVELOPMENT ACCOUNTS/EMERGENCY HOME REPAIR GRANT.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt083502
IRS990/ProgSrvcAccomActy3Grp/Desc0HOUSING COUNSELING/FORECLOSURE PREVENTION.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt061064
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0202248
IRS990/PYExcessBenefitTransInd0false
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IRS990/PYInvestmentIncomeAmt0145982
IRS990/PYOtherExpensesAmt0328651
IRS990/PYOtherRevenueAmt0123416
IRS990/PYRevenuesLessExpensesAmt0-176310
IRS990/PYSalariesCompEmpBnftPaidAmt0296089
IRS990/PYTotalExpensesAmt0647956
IRS990/PYTotalRevenueAmt0471646
IRS990/ReconcilationRevenueExpnssAmt0-60639
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0129470
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0208360
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0202248
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0388821
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0181619
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0142107
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01084476
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IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0269398
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0330157
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0270770
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt037888
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt01084404
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt080444
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.50000
IRS990ScheduleA/PublicSupportPY170Pct00.57000
IRS990ScheduleA/PublicSupportTotal170Amt01084476
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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0169681
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0202248
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0388821
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0181619
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0142107
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01084476
IRS990ScheduleA/TotalSupportAmt02168880
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$3,324,247
Liabilities
$1,012,931
Net assets
$2,311,316
Revenue
$426,316
Expenses
$486,955
Net income
-$60,639
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$2.96$0.99$1.97$0.29$0.56$0.26
2014Detailed filing. Detailed filing data is available for this year.$3.32$1.01$2.31$0.43$0.49$0.06