Liabilities / Assets
94th percentile
Higher debt load relative to assets than 94% of similar nonprofits.
990EZ • Fiscal year 2015 • EIN 47-2605170
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
94th percentile
Higher debt load relative to assets than 94% of similar nonprofits.
Liabilities / Revenue
100th percentile
Higher debt load relative to revenue than 100% of similar nonprofits.
Net Margin
77th percentile
Higher net margin than 77% of similar nonprofits.
Top Officer Pay
75th percentile
Higher top officer pay than 75% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Assets
$375,743
No earlier filing loaded for comparison.
Net Assets
$1,087
No earlier filing loaded for comparison.
Liabilities
$374,656
No earlier filing loaded for comparison.
Revenue
$5,429
No earlier filing loaded for comparison.
Expenses
$4,342
No earlier filing loaded for comparison.
Net Income
$1,087
No earlier filing loaded for comparison.
To promote and facilitate first-time home ownership primarily to individuals and families of modest means (below 80% ami) residing in participating or qualified service areas through affordable financial assistance and flexible underwriting.
To promote and facilitate first-time home ownership primarily to individuals and families of modest means (below 80% ami) residing in participating or qualified service areas (initially defined as those areas being serviced by the seven neighborhood works organizations (nwo) active in pennsylvania), through affordable financial assistance and flexible underwriting.
| Description | Grants | Expenses |
|---|---|---|
| THE ORGANIZATION PROMOTES FIRST-TIME HOME OWNERSHIP AND PROMOTES AND ASSISTS EXISTING HOMEOWNERS IN THE NEIGHBORHOOD WORKS ORGANIZATIONS (NWO) SERVICE AREAS TO REMAIN IN RESIDENCE THROUGH AFFORDABLE FINANCIAL ASSISTANCE FOR NECESSARY HOME REPAIR AND/OR RENOVATIONS. THE ORGANIZATION PROVIDES ACCESS TO LOAN PRODUCTS THAT ENABLE AND ENCOURAGE FAMILIES TO UTILIZE/INVEST IN "GREEN TECHNOLOGY" THAT RESULT IN LOWER ENERGY COSTS. ALL BORROWERS ARE REQUIRED TO COMPLETE HOMEBUYER EDUCATION CLASS, INDIVIDUAL BUDGET AND CREDIT COUNSELING AND PRE AND POST PURCHASE COUNSELING. | $0 | $4,342 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| STEVE OLSON | Chair | - | $0 | - | - |
| STUART BOWMAN | Secretary | - | $0 | - | - |
| DEBRA WETZEL | Treasurer | - | $0 | - | - |
| LUCY CORTEZ | Vice-Chair | - | $0 | - | - |
| CRAIG BURKLEY | Director | - | $0 | - | - |
| DENISE COMMINGS | Director | - | $0 | - | - |
| DOUGLAS RAUCH | Director | - | $0 | - | - |
“Description: bank charges. Amount: 132. Description: state wide lending cost. Amount: 3,706. Description: miscellaneous. Amount: 238. Total to form 990-ez, line 16: 4,076.”
“Description: loans receivable. Beg. Of year amount: 0. End of year amount: 354,478.”
“Description: due to related party. Beg. Of year amount: 0. End of year amount: 366,806. Description: repair escrows payable. Beg. Of year amount: 0. End of year amount: 7,850.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | 0 |
| IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | THE ORGANIZATION |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 6103728443 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 213 N 5TH STREET |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | READING |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | PA |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 19601 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 0 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 21265 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 1087 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 266 |
| IRS990EZ/FiledScheduleAInd | 0 | 1 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 375743 |
| IRS990EZ/GrossReceiptsAmt | 0 | 5429 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/InitialReturnInd | 0 | X |
| IRS990EZ/LobbyingActivitiesInd | 0 | 0 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 0 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 1087 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 0 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 1087 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | STEVE OLSON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | STUART BOWMAN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | DEBRA WETZEL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | LUCY CORTEZ |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | CRAIG BURKLEY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | DENISE COMMINGS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | DOUGLAS RAUCH |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | CHAIR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | SECRETARY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | VICE-CHAIR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | DIRECTOR |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 0 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 354478 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 4076 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | TO PROMOTE AND FACILITATE FIRST-TIME HOME OWNERSHIP PRIMARILY TO INDIVIDUALS AND FAMILIES OF MODEST MEANS (BELOW 80% AMI) RESIDING IN PARTICIPATING OR QUALIFIED SERVICE AREAS (INITIALLY DEFINED AS THOSE AREAS BEING SERVICED BY THE SEVEN NEIGHBORHOOD WORKS ORGANIZATIONS (NWO) ACTIVE IN PENNSYLVANIA), THROUGH AFFORDABLE FINANCIAL ASSISTANCE AND FLEXIBLE UNDERWRITING. |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 5429 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | THE ORGANIZATION PROMOTES FIRST-TIME HOME OWNERSHIP AND PROMOTES AND ASSISTS EXISTING HOMEOWNERS IN THE NEIGHBORHOOD WORKS ORGANIZATIONS (NWO) SERVICE AREAS TO REMAIN IN RESIDENCE THROUGH AFFORDABLE FINANCIAL ASSISTANCE FOR NECESSARY HOME REPAIR AND/OR RENOVATIONS. THE ORGANIZATION PROVIDES ACCESS TO LOAN PRODUCTS THAT ENABLE AND ENCOURAGE FAMILIES TO UTILIZE/INVEST IN "GREEN TECHNOLOGY" THAT RESULT IN LOWER ENERGY COSTS. ALL BORROWERS ARE REQUIRED TO COMPLETE HOMEBUYER EDUCATION CLASS, INDIVIDUAL BUDGET AND CREDIT COUNSELING AND PRE AND POST PURCHASE COUNSELING. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 4342 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | 0 |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 374656 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TaxImposedOnOrganizationMgrAmt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4911Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4912Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4955Amt | 0 | 0 |
| IRS990EZ/TaxReimbursedByOrganizationAmt | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 4342 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 4342 |
| IRS990EZ/TotalRevenueAmt | 0 | 5429 |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | 0 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/First5Years509Ind | 0 | X |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt | 0 | 1435 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 1435 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 3994 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 3994 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt | 0 | 1435 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 1435 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 3994 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 3994 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 3994 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 5429 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 5429 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DESCRIPTION: BANK CHARGES. AMOUNT: 132. DESCRIPTION: STATE WIDE LENDING COST. AMOUNT: 3,706. DESCRIPTION: MISCELLANEOUS. AMOUNT: 238. TOTAL TO FORM 990-EZ, LINE 16: 4,076. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: LOANS RECEIVABLE. BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 354,478. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | DESCRIPTION: DUE TO RELATED PARTY. BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 366,806. DESCRIPTION: REPAIR ESCROWS PAYABLE. BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 7,850. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. |
| ReturnHeader/BuildTS | 0 | 2017-02-10 21:41:12Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | RONALD MILLER |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | EXECUTIVE DIRECTOR |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 6103728443 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-10-25 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | PENNSYLVANIA HOME LENDING |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | COLLABORATIVE INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | PENN |
| ReturnHeader/Filer/EIN | 0 | 472605170 |
| ReturnHeader/Filer/PhoneNum | 0 | 6103728443 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 213 N 5TH STREET |
| ReturnHeader/Filer/USAddress/CityNm | 0 | READING |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | PA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 19601 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 232415973 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | HERBEIN COMPANY INC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 2763 CENTURY BOULEVARD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | READING |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | PA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 19610 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 6103781175 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2016-10-13 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | LINDA S HIMEBACK |
| ReturnHeader/ReturnTs | 0 | 2016-11-02T07:48:39-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2015-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2015-12-31 |
| ReturnHeader/TaxYr | 0 | 2015 |
No mirrored PDF or thumbnail assets are attached yet.
Displayed year
2015 • Form 990EZDetailed filing. Detailed filing data is available for this year.