Civic Intelligence

Maple Apartments of Richmond

EIN 41-1975564 • 501(c)3 • St Cloud, MN

Profile

Provide on a non-profit basis, housing for low and moderate income families.

911 18th St NSt Cloud, MN 56303
Siviq Scores

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

Liabilities / Assets

97th percentile

3.77x

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

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

98th percentile

5.24x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

55th percentile

4.0%

Higher net margin than 55% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

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 2024

Asset Growth

46th percentile

-4.7%

Faster asset growth than 46% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

68th percentile

15%

Faster revenue growth than 68% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets97th percentile

Assets

Down

$137,568

Down $6,827 (-4.7%) from 2023

Liabilities

Down

$519,024

Down $10,785 (-2.0%) from 2023

Net Assets

Up

-$381,456

Up $3,958 (+1.0%) from 2023

Operations
Liabilities / Revenue98th percentileNet Margin55th percentile

Revenue

Up

$99,073

Up $13,104 (+15%) from 2023

Expenses

Up

$95,115

Up $7,791 (+8.9%) from 2023

Net Income

Up

$3,958

Up $5,313 (+392%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth46th percentile

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

$1.0M$500K$0-$500KAssets 2011: $278,663Liabilities 2011: $665,2272011Assets 2012: $264,770Liabilities 2012: $669,0282012Assets 2013: $234,569Liabilities 2013: $657,0682013Assets 2014: $200,148Liabilities 2014: $644,9122014Assets 2015: $193,893Liabilities 2015: $598,8102015Assets 2016: $182,479Liabilities 2016: $591,3882016Assets 2017: $174,394Liabilities 2017: $583,4272017Assets 2018: $162,297Liabilities 2018: $573,7292018Assets 2019: $155,169Liabilities 2019: $569,6222019Assets 2020: $164,364Liabilities 2020: $559,102Net Assets 2020: -$394,7382020Assets 2021: $169,761Liabilities 2021: $548,526Net Assets 2021: -$378,7652021Assets 2022: $156,347Liabilities 2022: $540,406Net Assets 2022: -$384,0592022Assets 2023: $144,395Liabilities 2023: $529,809Net Assets 2023: -$385,4142023Assets 2024: $137,568Liabilities 2024: $519,024Net Assets 2024: -$381,4562024

Highlighted filing

2024

Assets$137,568
Liabilities$519,024
Net Assets-$381,456
Open 2024 Filing

Operations Trend

Revenue Growth68th percentile

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

$150K$100K$50K$0-$50KRevenue 2011: $61,254Expenses 2011: $96,185Net Income 2011: -$34,9312011Revenue 2012: $80,785Expenses 2012: $98,479Net Income 2012: -$17,6942012Revenue 2013: $77,996Expenses 2013: $96,237Net Income 2013: -$18,2412013Revenue 2014: $81,631Expenses 2014: $103,896Net Income 2014: -$22,2652014Revenue 2015: $122,128Expenses 2015: $82,281Net Income 2015: $39,8472015Revenue 2016: $78,433Expenses 2016: $82,425Net Income 2016: -$3,9922016Revenue 2017: $84,488Expenses 2017: $84,612Net Income 2017: -$1242017Revenue 2018: $80,691Expenses 2018: $83,090Net Income 2018: -$2,3992018Revenue 2019: $86,889Expenses 2019: $89,910Net Income 2019: -$3,0212019Revenue 2020: $97,624Expenses 2020: $77,909Net Income 2020: $19,7152020Revenue 2021: $97,089Expenses 2021: $81,116Net Income 2021: $15,9732021Revenue 2022: $79,724Expenses 2022: $85,018Net Income 2022: -$5,2942022Revenue 2023: $85,969Expenses 2023: $87,324Net Income 2023: -$1,3552023Revenue 2024: $99,073Expenses 2024: $95,115Net Income 2024: $3,9582024

Highlighted filing

2024

Revenue$99,073
Expenses$95,115
Net Income$3,958
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$137,568
Liabilities
$519,024
Net assets
-$381,456
Revenue
$99,073
Expenses
$95,115
Net income
$3,958
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.38$5.19$3.81$0.99$0.95$0.04
2023Detailed filing. Detailed filing data is available for this year.$1.44$5.30$3.85$0.86$0.87$0.01
2022Detailed filing. Detailed filing data is available for this year.$1.56$5.40$3.84$0.80$0.85$0.05
2021Detailed filing. Detailed filing data is available for this year.$1.70$5.49$3.79$0.97$0.81$0.16
2020Detailed filing. Detailed filing data is available for this year.$1.64$5.59$3.95$0.98$0.78$0.20
2019Summary only. Only limited summary data is available for this year.$1.55$5.70$0.87$0.90$0.03
2018Summary only. Only limited summary data is available for this year.$1.62$5.74$0.81$0.83$0.02
2017Summary only. Only limited summary data is available for this year.$1.74$5.83$0.84$0.85$0.00
2016Summary only. Only limited summary data is available for this year.$1.82$5.91$0.78$0.82$0.04
2015Summary only. Only limited summary data is available for this year.$1.94$5.99$1.22$0.82$0.40
2014Summary only. Only limited summary data is available for this year.$2.00$6.45$0.82$1.04$0.22
2013Summary only. Only limited summary data is available for this year.$2.35$6.57$0.78$0.96$0.18
2012Summary only. Only limited summary data is available for this year.$2.65$6.69$0.81$0.98$0.18
2011Summary only. Only limited summary data is available for this year.$2.79$6.65$0.61$0.96$0.35
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 22, 2025
Return Version
2024v5.0
Gross Receipts
$99,073
Mission and Program Overview

Mission

Provide on a non-profit basis, housing for low and moderate income families.

Program Services

DescriptionGrantsExpenses
WE PROVIDED 16 HOUSING UNITS TO LOW AND MODERATE INCOME FAMILIES, ON A NON-PROFIT BASIS.$0$51,583
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
STEVE BRESNAHANBoard President-$0--
RENAE STERNKEBoard Vice President-$0--
TONYA SCHMIDTBoard Secretary/Treasurer-$0--
JOANNE BROSCHOFSKYDirector Of Finance-$0--
STACY PEDERSONDirector Of Affordable & Transitional Housing-$0--
Filing and Contact Details

Filer

Filer Name
Maple Apartments of Richmond
EIN
41-1975564
Phone
3206501550
Address
911 18TH ST N, ST CLOUD, MN 56303

Signing Officer

Name
Renae Sternke
Title
Board Vice President
Phone
3206501550
Signed
2025-09-22
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 16

“Office expense, bad debt, late fees”

Form 990-EZ, Part II, Line 24

“Accounts receivable and prepaid insurance”

Form 990-EZ, Part II, Line 26

“Accounts payable, security deposit liability, accrued real estate taxes, prepaid rents, long term debt, and mortgage payable.”

Raw XML Appendix202 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.

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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0BOARD PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1BOARD VICE PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2BOARD SECRETARY/TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR OF FINANCE
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IRS990EZ/OperateHospitalInd00
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990-EZ, Part II, Line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Renae Sternke
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Board Vice President
ReturnHeader/BusinessOfficerGrp/PhoneNum03206501550
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MAPLE APARTMENTS OF RICHMOND
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ReturnHeader/Filer/EIN0411975564
ReturnHeader/Filer/PhoneNum03206501550
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ReturnHeader/ReturnTs02025-09-18T15:05:16-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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