Civic Intelligence

San Bernardino Senior Housing Inc

EIN 38-3517074 • 501(c)3 • Warren, MI

Profile

To provide housing facilities for low income senior citizens.

8425 E Twelve Mile RoadWarren, MI 48093

www.csi.coop

Siviq Scores

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

Liabilities / Assets

56th percentile

0.10x

Higher debt load relative to assets than 56% of similar nonprofits.

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

Liabilities / Revenue

78th percentile

0.41x

Higher debt load relative to revenue than 78% of similar nonprofits.

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

Net Margin

31st percentile

-3.3%

Higher net margin than 31% of similar nonprofits.

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

Top Officer Pay

96th percentile

$368,043

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 36.7% of source-year revenue.

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

Asset Growth

61st percentile

7.8%

Faster asset growth than 61% of similar nonprofits.

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

Revenue Growth

46th percentile

5.2%

Faster revenue growth than 46% of similar nonprofits.

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

Assets

Up

$4,128,196

Up $299,280 (+7.8%) from 2024

Liabilities

Up

$414,326

Up $332,578 (+407%) from 2024

Net Assets

Down

$3,713,870

Down $33,298 (-0.9%) from 2024

Revenue

Up

$1,002,165

Up $49,389 (+5.2%) from 2024

Expenses

Up

$1,035,463

Up $38,111 (+3.8%) from 2024

Net Income

Up

-$33,298

Up $11,278 (+25%) from 2024

Trend Graphs

Balance Sheet Trend

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

$6.0M$4.0M$2.0M$0Assets 2011: $5,116,208Liabilities 2011: $64,389Net Assets 2011: $5,051,8192011Assets 2012: $4,937,094Liabilities 2012: $51,493Net Assets 2012: $4,885,6012012Assets 2013: $4,794,027Liabilities 2013: $55,474Net Assets 2013: $4,738,5532013Assets 2014: $4,659,064Liabilities 2014: $86,441Net Assets 2014: $4,572,6232014Assets 2015: $4,518,759Liabilities 2015: $85,837Net Assets 2015: $4,432,9222015Assets 2016: $4,428,896Liabilities 2016: $120,248Net Assets 2016: $4,308,6482016Assets 2017: $4,278,014Liabilities 2017: $74,079Net Assets 2017: $4,203,9352017Assets 2018: $4,261,059Liabilities 2018: $92,019Net Assets 2018: $4,169,0402018Assets 2019: $4,199,827Liabilities 2019: $113,738Net Assets 2019: $4,086,0892019Assets 2020: $4,093,593Liabilities 2020: $105,039Net Assets 2020: $3,988,5542020Assets 2021: $4,051,017Liabilities 2021: $176,120Net Assets 2021: $3,874,8972021Assets 2022: $3,964,562Liabilities 2022: $105,381Net Assets 2022: $3,859,1812022Assets 2023: $3,927,796Liabilities 2023: $136,052Net Assets 2023: $3,791,7442023Assets 2024: $3,828,916Liabilities 2024: $81,748Net Assets 2024: $3,747,1682024Assets 2025: $4,128,196Liabilities 2025: $414,326Net Assets 2025: $3,713,8702025

Highlighted filing

2025

Assets$4,128,196
Liabilities$414,326
Net Assets$3,713,870

Operations Trend

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

$1.5M$1.0M$500K$0-$500KExpenses 2011: $596,5702011Expenses 2012: $590,0852012Revenue 2013: $445,314Expenses 2013: $592,362Net Income 2013: -$147,0482013Revenue 2014: $461,953Expenses 2014: $627,883Net Income 2014: -$165,9302014Revenue 2015: $481,714Expenses 2015: $621,415Net Income 2015: -$139,7012015Revenue 2016: $537,620Expenses 2016: $661,894Net Income 2016: -$124,2742016Revenue 2017: $636,221Expenses 2017: $740,934Net Income 2017: -$104,7132017Revenue 2018: $716,062Expenses 2018: $750,957Net Income 2018: -$34,8952018Revenue 2019: $749,076Expenses 2019: $832,027Net Income 2019: -$82,9512019Revenue 2020: $776,938Expenses 2020: $874,473Net Income 2020: -$97,5352020Revenue 2021: $825,764Expenses 2021: $939,421Net Income 2021: -$113,6572021Revenue 2022: $865,120Expenses 2022: $880,836Net Income 2022: -$15,7162022Revenue 2023: $942,788Expenses 2023: $1,010,225Net Income 2023: -$67,4372023Revenue 2024: $952,776Expenses 2024: $997,352Net Income 2024: -$44,5762024Revenue 2025: $1,002,165Expenses 2025: $1,035,463Net Income 2025: -$33,2982025

Highlighted filing

2025

Revenue$1,002,165
Expenses$1,035,463
Net Income-$33,298

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.13$0.41$3.71$1.00$1.04$0.03
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.83$0.08$3.75$0.95$1.00$0.04
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.93$0.14$3.79$0.94$1.01$0.07
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.96$0.11$3.86$0.87$0.88$0.02
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$4.05$0.18$3.87$0.83$0.94$0.11
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.09$0.11$3.99$0.78$0.87$0.10
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.20$0.11$4.09$0.75$0.83$0.08
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.26$0.09$4.17$0.72$0.75$0.03
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.28$0.07$4.20$0.64$0.74$0.10
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.43$0.12$4.31$0.54$0.66$0.12
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.52$0.09$4.43$0.48$0.62$0.14
2014Detailed filing. Detailed filing data is available for this year.$4.66$0.09$4.57$0.46$0.63$0.17
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$4.79$0.06$4.74$0.45$0.59$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.94$0.05$4.89$0.59
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.12$0.06$5.05$0.60
Latest Detailed Filing

The latest 2025 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2014 below.

Jump To
Filing Snapshot
Filing Period
Jul 1, 2013 to Jun 30, 2014
Signed
Oct 6, 2014
Return Version
2013v3.0
Gross Receipts
$461,953
Mission and Program Overview

Mission

To provide housing facilities for low income senior citizens.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$4,679,447$4,539,267▼ $140,180
Savings and Temporary Cash Investments$112,058$0▼ $112,058
Investments Program Related-$100,946-
Prepaid Expenses and Deferred Charges$861$985▲ $124
Accounts Receivable$1,661$643▼ $1,018
Cash and Non-Interest-Bearing Accounts$0$540▲ $540
Total Assets$4,794,027$4,659,064▼ $134,963
Other Assets Total$0$16,683▲ $16,683
Liabilities
Accounts Payable and Accrued Expenses$39,387$58,066▲ $18,679
Other Liabilities$16,087$27,747▲ $11,660
Deferred Revenue$0$628▲ $628
Total Liabilities$55,474$86,441▲ $30,967
Net Assets / Fund Balance
Temporarily Rstr Net Assets$6,383,300$0▼ $6,383,300
Unrestricted Net Assets$-1,644,747$4,572,623▲ $6,217,370
Total Net Assets Fund Balance$4,738,553$4,572,623▼ $165,930
Total Liabilities and Net Assets / Fund Balance$4,794,027$4,659,064▼ $134,963

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,251,491$1,768,320$6,019,811
Land$275,000-$275,000
Equipment$7,800$56,939$64,739
Leasehold Improvements$4,976$21,049$26,025
Compensation and Service Providers

Employees

NameTitleOtherTotal
Mel HudsonNational Construction Manager$141,973$141,973
Marguerite D AngeloRegional Manager$141,719$141,719
Anne SackrisonOperations Manager$140,009$140,009

Board Members and Trustees

NameTitle
Ray LantisPresident
Charlotte LannVice President
James EdwardsVice President
Annie MitchellDirector
Clarita PalmaDirector
Dorothy DuiguidDirector
E Christine GrossDirector
Ethel YoungDirector
Kathleen LarsonDirector
Mary LaceyDirector
Suzanne BeattieDirector
Nancy EvansAssistant Secretary
Cindy LambAssistant Treasurer
Bob KernsRegional Manager
Cheryl RossRegional Manager
Barbara ShumakeSecretary
Billie J WalkerTreasurer
Thomas CooperTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$233,284
Program Service Revenue
$225,856
Investment Income
$964
Other Revenue
$1,849
Change in Net Assets
$-165,930

Audited Revenue Reconciliation

Revenue per Audited Statements
$461,953
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$461,953
Total Revenue per Form 990
$461,953
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$627,883
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
Occupancy$189,293--$189,293
Other Expenses$170,475--$170,475
Depreciation Depletion$151,778--$151,778
Fees for Services Management-$68,311-$68,311
Office Expenses-$24,975-$24,975
Insurance$16,035--$16,035
Fees for Services Accounting-$6,416-$6,416
Advertising-$585-$585
Fees for Services Legal-$15-$15
Total Functional Expenses$527,581$100,302$0$627,883

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$627,883
Total Expenses per Audited Statements$627,883
Total Expenses per Form 990$627,883
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Tenant Security Deposits$16,159
Accrued Mgmt Fee Payable$11,588
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
Yes
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

The apartment project is managed by a related entity, csi support & development services. The management contract encompasses the day to day operations of the project including, but not limited to, collection of rents, maintenance of facilities, supervision of staff, and ongoing support for both the owners and tenants as needed in order to establish a safe, sanitary and affordable environment. Listed in part vii, section a, csi support & development services compensates all highest compensated employees along with 90% of nancy evans' and 95% of cindy lamb's wages, respectively.

Form 990, Part VI, Section B, Line 11

The form 990 is presented at a board of directors meeting before it is signed and submitted.

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

An annual conflict of interest statement is filled out by board members and upper management employees, then submitted. A control is maintained as to the receipt of this annual form.

Form 990, Part VI, Section B, Line 15A

The board periodically conducts compensation studies and determines the compensation of the general manager.

Form 990, Part VI, Section C, Line 19

The form 990 and all related financial and policy information are made available to the public upon written request.

FORM 990, PART VII, SECTION A, LINE 1A, COLUMN B:

All of the officers, directors, and employees listed in part vii, section a perform similar duties and have similar responsibilities for related organizations as they do for this organization. Their total hours worked per week for this organization are similar to their hours worked for related organizations both in terms of number of hours and type of work performed.

Filing and Contact Details

Filer

EIN
38-3517074
Phone
5867539002

Signing Officer

Name
Cindy Lamb
Title
Assistant Treasurer
Phone
5867539002
Signed
2014-10-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cindy Lamb
Formed
1999
Legal Domicile
CA
Voting Board Members
10
Independent Board Members
10
Employees
0
Volunteers
18

Preparer

Preparer
Steven C Levy
Phone
3178485700
Supplemental Narrative

Additional Explanations

FORM 990, PAGE 12, PART XII, LINE 2C:

The audit committee assumes responsibility for oversight of the audit of its financial statements and selection of an independent accountant.

Financial Statement Notes

PART X, LINE 2:

The corporation is exempt from federal income tax under section 501(c)(3) of the internal revenue code and state income tax and has been classified as an other than private foundation. Accordingly, no provision for federal and state taxes on revenue and income has been recognized in the accompanying financial statements. Generally, the federal and state tax returns were subject to examinations from the three years after the later of the original or extended due date or the date filed by the applicable tax authority.

Raw XML AppendixShowing 400 of 1,424 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
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IRS990/ActivityOrMissionDesc0TO PROVIDE HOUSING FACILITIES FOR LOW INCOME SENIOR CITIZENS.
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IRS990/BooksInCareOfDetail/USAddress/City0WARREN
IRS990/BooksInCareOfDetail/USAddress/State0MI
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IRS990/Desc0SAN BERNARDINO SENIOR HOUSING, INC., IS A CALIFORNIA NON-PROFIT HOUSING CORPORATION ORGANIZED ON A NON-STOCK BASIS BY COOPERATIVE SERVICES, INC., A MICHIGAN NON-PROFIT COOPERATIVE. THE CORPORATION WAS FORMED DECEMBER 29, 1999 TO ACQUIRE AN INTEREST IN REAL PROPERTY LOCATED IN SAN BERNARDINO, CALIFORNIA AND TO CONSTRUCT AND OPERATE THEREON AN APARTMENT PROJECT OF 75 UNITS. HOUSING IS PROVIDED TO LOW INCOME SENIORS IN COOPERATION WITH THE US DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT.
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IRS990/Form990PartVIISectionAGrp/PersonNm1CHARLOTTE LANN
IRS990/Form990PartVIISectionAGrp/PersonNm2BILLIE J WALKER
IRS990/Form990PartVIISectionAGrp/PersonNm3BARBARA SHUMAKE
IRS990/Form990PartVIISectionAGrp/PersonNm4CINDY LAMB
IRS990/Form990PartVIISectionAGrp/PersonNm5NANCY EVANS
IRS990/Form990PartVIISectionAGrp/PersonNm6JAMES EDWARDS
IRS990/Form990PartVIISectionAGrp/PersonNm7THOMAS COOPER
IRS990/Form990PartVIISectionAGrp/PersonNm8CLARITA PALMA
IRS990/Form990PartVIISectionAGrp/PersonNm9ETHEL YOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm10MARY LACEY
IRS990/Form990PartVIISectionAGrp/PersonNm11ANNIE MITCHELL
IRS990/Form990PartVIISectionAGrp/PersonNm12SUZANNE BEATTIE
IRS990/Form990PartVIISectionAGrp/PersonNm13DOROTHY DUIGUID
IRS990/Form990PartVIISectionAGrp/PersonNm14E CHRISTINE GROSS
IRS990/Form990PartVIISectionAGrp/PersonNm15KATHLEEN LARSON
IRS990/Form990PartVIISectionAGrp/PersonNm16BOB KERNS
IRS990/Form990PartVIISectionAGrp/PersonNm17MARGUERITE D ANGELO
IRS990/Form990PartVIISectionAGrp/PersonNm18CHERYL ROSS
IRS990/Form990PartVIISectionAGrp/PersonNm19ANNE SACKRISON
IRS990/Form990PartVIISectionAGrp/PersonNm20MEL HUDSON
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4ASSISTANT TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5ASSISTANT SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt7TREASURER
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/TitleTxt16REGIONAL MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt17REGIONAL MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt18REGIONAL MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt19OPERATIONS MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt20NATIONAL CONSTRUCTION MANAGER
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IRS990/MinutesOfCommitteesInd01
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IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
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IRS990ScheduleA/Form990ScheduleAPartIVGrp/ExplanationTxt0MISCELLANEOUS INCOME CONSISTS OF LAUNDRY AND VENDING CHARGES PROVIDED FOR THE CONVENIENCE OF THE TENANTS.
IRS990ScheduleA/Form990ScheduleAPartIVGrp/FormAndLineReferenceDesc0SCHEDULE A, PART III, LINE 12:
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IRS990ScheduleA/InvestmentIncomeCYPct00.00330
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IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
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IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0404038
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0405003

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