Civic Intelligence

Northeast Michigan Affordable Housing

EIN 38-3582600 • 501(c)3

Profile

Creating opportunities to attain quality, affordable homes.

PO Box 41248750

www.nemah.org

Siviq Scores

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

Liabilities / Assets

95th percentile

1.50x

Higher debt load relative to assets than 95% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2014

Liabilities / Revenue

97th percentile

2.75x

Higher debt load relative to revenue than 97% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2014

Net Margin

70th percentile

16%

Higher net margin than 70% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2014

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

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

501(c)3 • <$500k nonprofits • Source year 2014

Asset Growth

50th percentile

-2.0%

Faster asset growth than 50% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

Revenue Growth

17th percentile

-54%

Faster revenue growth than 17% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets95th percentile

Assets

Down

$287,473

Down $5,773 (-2.0%) from 2013

Liabilities

Down

$432,368

Down $30,677 (-6.6%) from 2013

Net Assets

Up

-$144,895

Up $24,904 (+15%) from 2013

Operations
Liabilities / Revenue97th percentileNet Margin70th percentile

Revenue

Down

$157,457

Down $185,278 (-54%) from 2013

Expenses

Down

$132,553

Down $235,603 (-64%) from 2013

Net Income

Up

$24,904

Up $50,325 (+198%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth50th percentile

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

$600K$400K$200K$0-$200KAssets 2010: $353,195Liabilities 2010: $423,847Net Assets 2010: -$70,6522010Assets 2011: $321,426Liabilities 2011: $474,482Net Assets 2011: -$153,0562011Assets 2012: $333,888Liabilities 2012: $478,266Net Assets 2012: -$144,3782012Assets 2013: $293,246Liabilities 2013: $463,045Net Assets 2013: -$169,7992013Assets 2014: $287,473Liabilities 2014: $432,368Net Assets 2014: -$144,8952014

Highlighted filing

2014

Assets$287,473
Liabilities$432,368
Net Assets-$144,895
Open 2014 Filing

Operations Trend

Revenue Growth17th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $583,6972010Expenses 2011: $572,7522011Revenue 2012: $441,199Expenses 2012: $432,521Net Income 2012: $8,6782012Revenue 2013: $342,735Expenses 2013: $368,156Net Income 2013: -$25,4212013Revenue 2014: $157,457Expenses 2014: $132,553Net Income 2014: $24,9042014

Highlighted filing

2014

Revenue$157,457
Expenses$132,553
Net Income$24,904
Open 2014 Filing

Filings

Most recent year

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

Open filing
Assets
$287,473
Liabilities
$432,368
Net assets
-$144,895
Revenue
$157,457
Expenses
$132,553
Net income
$24,904
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$2.87$4.32$1.45$1.57$1.33$0.25
2013Summary only. Only limited summary data is available for this year.$2.93$4.63$1.70$3.43$3.68$0.25
2012Summary only. Only limited summary data is available for this year.$3.34$4.78$1.44$4.41$4.33$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.21$4.74$1.53$5.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.53$4.24$0.71$5.84
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2013 to Sep 30, 2014
Signed
Feb 9, 2015
Return Version
2013v4.0
Gross Receipts
$157,457
Mission and Program Overview

Mission

Creating opportunities to attain quality, affordable homes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$285,288$285,288→ $0
Cash and Non-Interest-Bearing Accounts$4,178--
Prepaid Expenses and Deferred Charges$1,423$1,423→ $0
Land, Buildings, and Equipment, Net$2,357$762▼ $1,595
Total Assets$293,246$287,473▼ $5,773
Liabilities
Deferred Revenue$294,186$294,186→ $0
Other Liabilities$119,923$88,510▼ $31,413
Accounts Payable and Accrued Expenses$48,936$49,672▲ $736
Total Liabilities$463,045$432,368▼ $30,677
Net Assets / Fund Balance
Unrestricted Net Assets$-169,799$-144,895▲ $24,904
Total Net Assets Fund Balance$-169,799$-144,895▲ $24,904
Total Liabilities and Net Assets / Fund Balance$293,246$287,473▼ $5,773

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$762$8,746$9,508
Compensation and Service Providers
Top Officer Pay81st percentile

Board Members and Trustees

NameTitle
Marvin IttnerPresident
-Board Member
Bruno WojcikBoard Member
-Secretary
-Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$93,176
Program Service Revenue
$64,281
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$24,904
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$102,460
Salaries, Compensation, and Employee Benefits$30,093
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$14,575$10,554-$25,129
Travel$9,403$1,045-$10,448
Payroll Taxes$2,879$2,085-$4,964
Fees for Services Other$2,233$649-$2,882
Office Expenses$966$668-$1,634
Depreciation Depletion$1,595--$1,595
Fees for Services Accounting$400$400-$800
Insurance$395$396-$791
Other Expenses$506--$506
All Other Expenses$384--$384
Fees for Services Legal-$136-$136
Information Technology$50$51-$101
Advertising-$81-$81
Total Functional Expenses$116,488$16,065$0$132,553
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
Accrued Liabilities$55,510
Short-term Loans Payable$33,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
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 11B

“Prior to submittal of the form 990, a copy is provided at a board meeting and discussions are encouraged and any questions are addressed and upon full board approval, the 8879-eo is submitted to cpa for transmittal.”

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

“Any conflicts of interest between board members and the organization are brought to the attention of the president of the board. Each situation is evaluated on a case by case basis. If circumstances are determined to be conflicts of interst, the president of the board shall determine the action required to correct the conflict.”

Form 990, Page 6, Part VI, Line 19

“Requests are directed to the secretary of the organization who then makes copies of the forms requested and these are mailed or made available for pickup.”

Filing and Contact Details

Filer

EIN
38-3582600

Signing Officer

Name
Georganne Denis
Title
President
Signed
2015-02-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Georganne Denis
Legal Domicile
Mi
Voting Board Members
12
Independent Board Members
12
Employees
2

Preparer

Preparer
Shanna M Johnson
Phone
9893548707
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4B

“Receive from usda rural development is 404,000, which must be used by september 30, 2009. However, the revolving loan program can continue until the funds are eventually exhausted.”

Form 990, Page 2, Part III, Line 4D

“Home owner rehabilitation: through various counties in the servicing area, nemah is able to obtain funds to rehabilitate existing homes to enable residents to have the repairs that they otherwise would be unable to afford done to their home to make it a safe living environment.”

Raw XML Appendix369 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt048936
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt049672
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREATING OPPORTUNITIES TO ATTAIN QUALITY, AFFORDABLE HOMES.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt081
IRS990/AdvertisingGrp/TotalAmt081
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0384
IRS990/AllOtherExpensesGrp/TotalAmt0384
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine10NEMAH
IRS990/BooksInCareOfDetail/PhoneNum09893569090
IRS990/BooksInCareOfDetail/USAddress/AddressLine10PO BOX 412
IRS990/BooksInCareOfDetail/USAddress/City0OSCODA
IRS990/BooksInCareOfDetail/USAddress/State0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode048750
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt04178
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt093176
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt0102460
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt064281
IRS990/CYRevenuesLessExpensesAmt024904
IRS990/CYSalariesCompEmpBnftPaidAmt030093
IRS990/CYTotalExpensesAmt0132553
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0157457
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DeferredRevenueGrp/BOYAmt0294186
IRS990/DeferredRevenueGrp/EOYAmt0294186
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt01595
IRS990/DepreciationDepletionGrp/TotalAmt01595
IRS990/Desc0COUNSELING: NEMAH PROVIDES BOTH FORECLOSURE COUNSELING AND HOME OWNERSHIP COUNSELING TO QUALIFYING APPLICANTS.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt034329
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt0400
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt0400
IRS990/FeesForServicesAccountingGrp/TotalAmt0800
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt0136
IRS990/FeesForServicesLegalGrp/TotalAmt0136
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt0649
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt02233
IRS990/FeesForServicesOtherGrp/TotalAmt02882
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt05.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt25.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt35.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt45.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt55.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt65.00
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine10ANN DENIS
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine11CARRIE CARLSON
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine12JACK MAHANK
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine13LARRY ZUCAL
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine14KAREN THOMPSON
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine20OSCODA COUNTY
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine21CHEBOYGAN COUNTY
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine22CRAWFORD COUNTY
IRS990/Form990PartVIISectionAGrp/BusinessName/BusinessNameLine23IOSCO COUNTY
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0BRUNO WOJCIK
IRS990/Form990PartVIISectionAGrp/PersonNm1MARVIN ITTNER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GovernmentGrantsAmt093176
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0157457
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt012
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt051
IRS990/InformationTechnologyGrp/ProgramServicesAmt050
IRS990/InformationTechnologyGrp/TotalAmt0101
IRS990/InsuranceGrp/ManagementAndGeneralAmt0396
IRS990/InsuranceGrp/ProgramServicesAmt0395
IRS990/InsuranceGrp/TotalAmt0791
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08746
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02357
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0762
IRS990/LandBldgEquipCostOrOtherBssAmt09508
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREATING OPPORTUNITIES TO ATTAIN QUALITY, AFFORDABLE HOMES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0-169799
IRS990/NetAssetsOrFundBalancesEOYAmt0-144895
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0668
IRS990/OfficeExpensesGrp/ProgramServicesAmt0966
IRS990/OfficeExpensesGrp/TotalAmt01634
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherExpensesGrp/Desc0REHABILITATION EXPENSE
IRS990/OtherExpensesGrp/Desc1HWWS WELL EXPENSE
IRS990/OtherExpensesGrp/Desc2TRAINING
IRS990/OtherExpensesGrp/Desc3LICENSES AND PERMITS
IRS990/OtherExpensesGrp/ProgramServicesAmt044776
IRS990/OtherExpensesGrp/ProgramServicesAmt137011
IRS990/OtherExpensesGrp/ProgramServicesAmt21315
IRS990/OtherExpensesGrp/ProgramServicesAmt3506
IRS990/OtherExpensesGrp/TotalAmt044776
IRS990/OtherExpensesGrp/TotalAmt137011
IRS990/OtherExpensesGrp/TotalAmt21315
IRS990/OtherExpensesGrp/TotalAmt3506
IRS990/OtherLiabilitiesGrp/BOYAmt0119923
IRS990/OtherLiabilitiesGrp/EOYAmt088510
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt010554
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt014575
IRS990/OtherSalariesAndWagesGrp/TotalAmt025129
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0285288
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0285288
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt02085
IRS990/PayrollTaxesGrp/ProgramServicesAmt02879
IRS990/PayrollTaxesGrp/TotalAmt04964
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01423
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01423
IRS990/PrincipalOfficerNm0GEORGANNE DENIS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0HWWS PROGRAM INCOME
IRS990/ProgramServiceRevenueGrp/Desc1CONSULTING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt056858
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt17423
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt056858
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt17423
IRS990/ProgSrvcAccomActy2Grp/Desc0WELL WATER LOANS: THROUGH USDA RURAL DEVELOPMENT, NEMAH IS ABLE TO PROVIDE LOW INTEREST LOANS TO QUALIFYING FAMILIES IN NEED OF A NEW WATER WELL OR REPAIRS/REPLACEMENT OF THEIR EXISTING WATER WELL. THE PROGRAM, REFERRED TO AS HWWS (HOUSEHOLD WATER WELL SYSTEM), PROVIDES NEMAH WITH GRANT INCOME TO HIRE WELL DRILLERS TO PERFORM THE NEEDED SERVICES. THE QUALIFYING APPLICANTS THEN REPAY THE LOAN AT A 1% INTEREST RATE TO NEMAH. AS THE FUNDS ARE RECEIVED BY NEMAH, THEY MAY THEN PROVIDE THE SAME SERVICE TO OTHER FAMILIES BY MEANS OF THIS REVOLVING LOAN FUND. THE TOTAL AMOUNT NEMAH MAY RECEIVE FROM USDA RURAL DEVELOPMENT IS 404,000, WHICH MUST BE USED BY SEPTEMBER 30, 2009. HOWEVER, THE REVOLVING LOAN PROGRAM CAN CONTINUE UNTIL THE FUNDS ARE EVENTUALLY EXHAUSTED.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt037011
IRS990/ProgSrvcAccomActy3Grp/Desc0HOME BUYER PROGRAMS: AS AN AGENT OF THE MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY, NEMAH PROVIDES OWNERSHIP OPPORTUNITIES THROUGH LOAN PROGRAMS FOR QUALIFYING APPLICANTS WHICH ENABLES LOWER INCOME FAMILIES TO PURCHASE A HOME THAT IS BOTH SAFE AND AFFORDABLE.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt045148
IRS990/ProgSrvcAccomActyOtherGrp/Desc0HOME OWNER REHABILITATION: THROUGH VARIOUS COUNTIES IN THE SERVICING AREA, NEMAH IS ABLE TO OBTAIN FUNDS TO REHABILITATE EXISTING HOMES TO ENABLE RESIDENTS TO HAVE THE REPAIRS THAT THEY OTHERWISE WOULD BE UNABLE TO AFFORD DONE TO THEIR HOME TO MAKE IT A SAFE LIVING ENVIRONMENT.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0198695
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt01
IRS990/PYOtherExpensesAmt0187780
IRS990/PYProgramServiceRevenueAmt0144039
IRS990/PYRevenuesLessExpensesAmt0-25421
IRS990/PYSalariesCompEmpBnftPaidAmt0180376
IRS990/PYTotalExpensesAmt0368156
IRS990/PYTotalRevenueAmt0342735
IRS990/ReconcilationRevenueExpnssAmt024904
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt093176
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt0198695
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0230230
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0127333
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt082797
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0732231
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt064281
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0144040
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0210969
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0397469
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0512614
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt01329373
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt02061604
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0157457
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0342735
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0441199
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0524802
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0595411
IRS990ScheduleA/Total509Grp/TotalAmt02061604
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0157457
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0342735
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0441199
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0524802
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0595411
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt02061604
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0762
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt08746
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt09508
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt055510
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt133000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCRUED LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHORT-TERM LOANS PAYABLE
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0762
IRS990ScheduleD/TotalLiabilityAmt088510
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0RECEIVE FROM USDA RURAL DEVELOPMENT IS 404,000, WHICH MUST BE USED BY SEPTEMBER 30, 2009. HOWEVER, THE REVOLVING LOAN PROGRAM CAN CONTINUE UNTIL THE FUNDS ARE EVENTUALLY EXHAUSTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1HOME OWNER REHABILITATION: THROUGH VARIOUS COUNTIES IN THE SERVICING AREA, NEMAH IS ABLE TO OBTAIN FUNDS TO REHABILITATE EXISTING HOMES TO ENABLE RESIDENTS TO HAVE THE REPAIRS THAT THEY OTHERWISE WOULD BE UNABLE TO AFFORD DONE TO THEIR HOME TO MAKE IT A SAFE LIVING ENVIRONMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PRIOR TO SUBMITTAL OF THE FORM 990, A COPY IS PROVIDED AT A BOARD MEETING AND DISCUSSIONS ARE ENCOURAGED AND ANY QUESTIONS ARE ADDRESSED AND UPON FULL BOARD APPROVAL, THE 8879-EO IS SUBMITTED TO CPA FOR TRANSMITTAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANY CONFLICTS OF INTEREST BETWEEN BOARD MEMBERS AND THE ORGANIZATION ARE BROUGHT TO THE ATTENTION OF THE PRESIDENT OF THE BOARD. EACH SITUATION IS EVALUATED ON A CASE BY CASE BASIS. IF CIRCUMSTANCES ARE DETERMINED TO BE CONFLICTS OF INTERST, THE PRESIDENT OF THE BOARD SHALL DETERMINE THE ACTION REQUIRED TO CORRECT THE CONFLICT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4REQUESTS ARE DIRECTED TO THE SECRETARY OF THE ORGANIZATION WHO THEN MAKES COPIES OF THE FORMS REQUESTED AND THESE ARE MAILED OR MADE AVAILABLE FOR PICKUP.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0293246
IRS990/TotalAssetsEOYAmt0287473
IRS990/TotalAssetsGrp/BOYAmt0293246
IRS990/TotalAssetsGrp/EOYAmt0287473
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt093176
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt016065
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0116488
IRS990/TotalFunctionalExpensesGrp/TotalAmt0132553
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0463045
IRS990/TotalLiabilitiesEOYAmt0432368
IRS990/TotalLiabilitiesGrp/BOYAmt0463045
IRS990/TotalLiabilitiesGrp/EOYAmt0432368
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-169799
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-144895
IRS990/TotalProgramServiceExpensesAmt0116488
IRS990/TotalProgramServiceRevenueAmt064281
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt064281
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0157457
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0293246
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0287473
IRS990/TravelGrp/ManagementAndGeneralAmt01045
IRS990/TravelGrp/ProgramServicesAmt09403
IRS990/TravelGrp/TotalAmt010448
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0-169799
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0-144895
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine104330 N US 23 UNIT 704
IRS990/USAddress/City0OSCODA
IRS990/USAddress/State0MI
IRS990/USAddress/ZIPCode048750
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0WWW.NEMAH.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0GEORGANNE DENIS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-02-09
ReturnHeader/Filer/BusinessName/BusinessNameLine10NORTHEAST MICHIGAN AFFORDABLE
ReturnHeader/Filer/BusinessName/BusinessNameLine20HOUSING
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0383582600
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 412
ReturnHeader/Filer/USAddress/City0OSCODA
ReturnHeader/Filer/USAddress/State0MI
ReturnHeader/Filer/USAddress/ZIPCode048750
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0205036824
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10JOHNSON & SCHULZE PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101223 S STATE ST STE A
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0ALPENA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode049707
ReturnHeader/PreparerPersonGrp/PhoneNum09893548707
ReturnHeader/PreparerPersonGrp/PreparationDt02015-02-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SHANNA M JOHNSON
ReturnHeader/ReturnTs02015-02-17T11:18:20-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-10-01
ReturnHeader/TaxPeriodEndDt02014-09-30
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.