Civic Intelligence

Everence Community Investments Inc

EIN 35-2097293 • 501(c)3 • Goshen, IN

Profile

Make below-market loans and grants on non-commercial terms to non-profit organizations and other local community economic development organizations for the purpose of financing low-income housing, small business development and community development services in economically distressed areas.

1110 North Main StreetPO BOX 483 SuiteGoshen, IN 46528

www.everence.com

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.92x

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

501(c)3 • $5M-$10M nonprofits • Source year 2014

Liabilities / Revenue

99th percentile

23.72x

Higher debt load relative to revenue than 99% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2014

Net Margin

30th percentile

-2.6%

Higher net margin than 30% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2014

Top Officer Pay

84th percentile

$261,721

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 75.7% of source-year revenue.

501(c)3 • $5M-$10M nonprofits • Source year 2014

Asset Growth

5th percentile

-27%

Faster asset growth than 5% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Revenue Growth

57th percentile

11%

Faster revenue growth than 57% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$8,882,774

Down $3,326,150 (-27%) from 2013

Liabilities

Down

$8,201,237

Down $3,375,554 (-29%) from 2013

Net Assets

Up

$681,537

Up $49,404 (+7.8%) from 2013

Operations
Liabilities / Revenue99th percentileNet Margin30th percentile

Revenue

Up

$345,705

Up $33,218 (+11%) from 2013

Expenses

Up

$354,535

Up $25,305 (+7.7%) from 2013

Net Income

Up

-$8,830

Up $7,913 (+47%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth5th percentile

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

$15M$10M$5.0M$0Assets 2011: $10,759,522Liabilities 2011: $10,071,921Net Assets 2011: $687,6012011Assets 2012: $11,234,628Liabilities 2012: $10,579,537Net Assets 2012: $655,0912012Assets 2013: $12,208,924Liabilities 2013: $11,576,791Net Assets 2013: $632,1332013Assets 2014: $8,882,774Liabilities 2014: $8,201,237Net Assets 2014: $681,5372014

Highlighted filing

2014

Assets$8,882,774
Liabilities$8,201,237
Net Assets$681,537
Open 2014 Filing

Operations Trend

Revenue Growth57th percentile

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

$400K$300K$200K$100K$0-$100KExpenses 2011: $299,0892011Expenses 2012: $322,8232012Revenue 2013: $312,487Expenses 2013: $329,230Net Income 2013: -$16,7432013Revenue 2014: $345,705Expenses 2014: $354,535Net Income 2014: -$8,8302014

Highlighted filing

2014

Revenue$345,705
Expenses$354,535
Net Income-$8,830
Open 2014 Filing

Filings

Most recent year

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

Open filing
Assets
$8,882,774
Liabilities
$8,201,237
Net assets
$681,537
Revenue
$345,705
Expenses
$354,535
Net income
-$8,830
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$8.88$8.20$0.68$0.35$0.35$0.01
2013Detailed filing. Detailed filing data is available for this year.$12.2$11.6$0.63$0.31$0.33$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.2$10.6$0.66$0.32
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.8$10.1$0.69$0.30
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 16, 2015
Return Version
2014v5.0
Gross Receipts
$345,705
Mission and Program Overview

Mission

Make below-market loans on non-commercial terms to non-profit organizations and other local community economic development organizations for the purpose of financing low-income housing, small business development and community development services in economically distressed areas.

Economic opportunity to disadvantaged individuals & communities through stewardship investing in the u.s. & around the world. Revenues from interest on program loans/investments.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$8,306,440$7,990,455▼ $315,985
Investments in Publicly Traded Securities$817,217$556,099▼ $261,118
Savings and Temporary Cash Investments$3,000,230$237,471▼ $2,762,759
Cash and Non-Interest-Bearing Accounts$28,988$43,065▲ $14,077
Accounts Receivable$0$0→ $0
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Land, Buildings, and Equipment, Net$0--
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$12,208,924$8,882,774▼ $3,326,150
Other Assets Total$56,049$55,684▼ $365
Liabilities
Other Liabilities$11,522,807$8,173,000▼ $3,349,807
Accounts Payable and Accrued Expenses$53,984$28,237▼ $25,747
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$11,576,791$8,201,237▼ $3,375,554
Net Assets / Fund Balance
Unrestricted Net Assets$568,327$617,481▲ $49,154
Temporarily Rstr Net Assets$63,806$64,056▲ $250
Permanently Rstr Net Assets$0$0→ $0
Total Net Assets Fund Balance$632,133$681,537▲ $49,404
Total Liabilities and Net Assets / Fund Balance$12,208,924$8,882,774▼ $3,326,150

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$7,990,455--
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleOtherTotal
Kenneth D HochstetlerPresident$139,761$139,761
Marlo J KauffmanAssistant Secretary$139,558$139,558
Philip R ZimmermanAssistant Secretary$131,006$131,006
George F MerrymanTreasurer$128,747$128,747

Board Members and Trustees

NameTitle
Larry D MillerPresident (retired 08/14)
David C GautscheAssistant Vice President
Sidney a RichardAssistant Vice President
Rodney D DillerVice President
Mattie Marie MastDirector
N Leroy KauffmanDirector
Sandra VielmanDirector
Stephen M LaneDirector
Delmar K KingAssistant Treasurer
Amanda RockFinancial Advisor
Clair H SauderFinancial Advisor
Glen KauffmanFinancial Advisor
Jay KreadyFinancial Advisor
Steven R HerendeenFinancial Advisor
Jaime AlvarezSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$250
Program Service Revenue
$344,051
Investment Income
$1,404
Other Revenue
$0
All Other Contributions
$250
Change in Net Assets
$-8,830

Audited Revenue Reconciliation

Revenue per Audited Statements
$345,705
Revenue Not Reported on Form 990
$34,485
Total Revenue per Audited Statements
$380,190
Total Revenue per Form 990
$345,705
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$354,535
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
Interest$152,788--$152,788
Payments to Affiliates-$43,496-$43,496
Fees for Services Accounting-$24,138-$24,138
Fees for Services Other$8,792--$8,792
Travel-$4,253-$4,253
Other Expenses$120,672$396-$396
Total Functional Expenses$282,252$72,283$0$354,535

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$378,282
Expenses per Audited Statements$354,535
Total Expenses per Form 990$354,535
Expenses Not Reported on Form 990$23,747
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Everence AssociationAffiliate-common OfficersLoans/loan GuaranteesNo$1,700,000

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Notes Payable to Related Party$8,173,000
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Everence Community Investments Inc
EIN
35-2097293
In Care Of
% GEORGE MERRYMAN
Phone
5745339511
Address
1110 NORTH MAIN STREET, PO BOX 483 Suite, GOSHEN, IN 46528

Signing Officer

Name
George Merryman
Title
Treasurer
Phone
5745339511
Signed
2015-11-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kenneth D Hochstetler
Formed
2000
Legal Domicile
In
Voting Board Members
5
Independent Board Members
4
Employees
1
Volunteers
6

Preparer

Firm
Bkd Llp
Address
200 E Main St Suite 700, Fort Wayne, IN 46802
Preparer
Joyce A Dulworth
Phone
2604604000
Supplemental Narrative

Additional Explanations

Page 5

“Part v line 2a: the employees of everence community investments inc. Are paid through a common paymaster.”

Page 6

“Part vi line 1b: the president of the organization is also a member of the board of directors. He is paid in his capacity as an employee of the organization. Line 11b: the board of directors has delegated the authority to review and approve the form 990 to the audit committee. Following a detailed review by the controller, a copy of the form 990 and its related schedules was provided to the audit committee via email. The audit committee reviewed the form 990 and related schedules and provided feedback, and an independent cpa firm also reviwed the form 990 prior to submission to the irs. Line 12c: a questionnaire is sent out annually to all officers, directors, or trustees, and key employees to disclose personal and business relationships. The questionnaires are reviewed annually. If a conflict exists, restrictions will be imposed on persons with a conflict such as prohibiting them from participating in the governing body's deliberations and decisions in the transaction. Line 15a: the board of directors performs an annual review of executive compensation. The last review was performed in 2014. Goals and objectives are set forth annually and reviewed during this process. Additionally, periodic comparisons to similar for-profit and not-for-profit entities are examined. Line 19: governing documents are kept on file and are available upon request. Conflict of interest policy information is available upon request. Financial statements are not available for public inspection.”

Part XI

“LINE 9 Provision for loan losses: ($23,747)”

Financial Statement Notes

Page 3

“Management has evaluated their income tax positions under the guidance included in ASC 740. Based on their review, management has not identified any material uncertain tax positions to be recorded or disclosed in the financial statements.”

Part XII

“Line 2d provision for loan losses ($23,747)”

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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT (RETIRED 08/14)
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IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE PRESIDENT
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IRS990/Form990PartVIISectionAGrp/TitleTxt14FINANCIAL ADVISOR
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