Civic Intelligence

Elmore Housing Inc

EIN 51-0172365 • 501(c)4 • Owatonna, MN

990-N Coverage

Profile

To provide affordable housing to low income individuals.

311 N CedarOwatonna, MN 55060

n/A

Siviq Scores

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

Liabilities / Assets

68th percentile

0.02x

Higher debt load relative to assets than 68% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

77th percentile

0.07x

Higher debt load relative to revenue than 77% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2025

Net Margin

73rd percentile

16%

Higher net margin than 73% of similar nonprofits.

501(c)4 • <$500k nonprofits • Source year 2025

Top Officer Pay

89th percentile

$0

Higher top officer pay than 89% of similar nonprofits.

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

501(c)4 • <$500k nonprofits • Source year 2025

Asset Growth

63rd percentile

3.8%

Faster asset growth than 63% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

63rd percentile

6.6%

Faster revenue growth than 63% of similar nonprofits.

501(c)4 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$250,049

Up $9,258 (+3.8%) from 2024

Liabilities

Down

$4,369

Down $1,570 (-26%) from 2024

Net Assets

Up

$245,680

Up $10,828 (+4.6%) from 2024

Operations
Liabilities / Revenue77th percentileNet Margin73rd percentile

Revenue

Up

$66,606

Up $4,098 (+6.6%) from 2024

Expenses

Up

$55,779

Up $4,539 (+8.9%) from 2024

Net Income

Down

$10,827

Down $441 (-3.9%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth63rd percentile

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

$300K$200K$100K$0Assets 2024: $240,791Liabilities 2024: $5,939Net Assets 2024: $234,8522024Assets 2025: $250,049Liabilities 2025: $4,369Net Assets 2025: $245,6802025

Highlighted filing

2025

Assets$250,049
Liabilities$4,369
Net Assets$245,680
Open 2025 Filing

Operations Trend

Revenue Growth63rd percentile

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

$80K$60K$40K$20K$0Revenue 2024: $62,508Expenses 2024: $51,240Net Income 2024: $11,2682024Revenue 2025: $66,606Expenses 2025: $55,779Net Income 2025: $10,8272025

Highlighted filing

2025

Revenue$66,606
Expenses$55,779
Net Income$10,827
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$250,049
Liabilities
$4,369
Net assets
$245,680
Revenue
$66,606
Expenses
$55,779
Net income
$10,827
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$2.50$0.04$2.46$0.67$0.56$0.11
2024Detailed filing. Detailed filing data is available for this year.$2.41$0.06$2.35$0.63$0.51$0.11
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 12, 2026
Return Version
2025v4.0
Gross Receipts
$66,606
Mission and Program Overview

Mission

To provide affordable housing to low income individuals.

Program Services

DescriptionGrantsExpenses
AFFORDABLE HOUSING PROVIDED TO THOSE IN FINANCIAL NEED-$55,779
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
CRAIG LLOYDPresident-$0--
RANDY PETERBoard Member-$0--
JERRY BROMELANDBoard Member-$0--
JACK ANDERSONBoard Member-$0--
LAVONNE THOMPSONBoard Member-$0--
Filing and Contact Details

Filer

Filer Name
Elmore Housing Inc
EIN
51-0172365
Phone
5074518524
Address
311 N CEDAR, OWATONNA, MN 55060

Signing Officer

Name
Craig Lloyd
Title
President
Phone
5074518524
Signed
2026-02-12
Discuss with paid preparer
Yes

Preparer

Firm
Struss Cpas Pc
Address
2055 4TH AVENUE SE, OWATONNA, MN 55060
Preparer
Sarah M Struss
Phone
5074510611
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

“Expenses 172 1,152 6,579 repairs and maintenance 11,096 taxes and licenses 5,803 site management payroll 2,009 other expenses 622 overage 480 total 27,913”

Form 990-ez, Part II, Line 26

“Rural development loan 1,475 954 tenant security deposits 4,464 3,415”

Raw XML Appendix107 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
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0LIFE STYLE INC
IRS990EZ/BooksInCareOfDetail/PhoneNum05074518524
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0311 N CEDAR AVENUE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0OWATONNA
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd055060
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt031463
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt040720
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt010827
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt012110
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0240792
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0250049
IRS990EZ/GrossReceiptsAmt066606
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt029
IRS990EZ/LandAndBuildingsGrp/BOYAmt0209329
IRS990EZ/LandAndBuildingsGrp/EOYAmt0209329
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0234853
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0245680
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0234853
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0245680
IRS990EZ/OccupancyRentUtltsAndMaintAmt015756
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0CRAIG LLOYD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1RANDY PETER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2JERRY BROMELAND
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3JACK ANDERSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4LAVONNE THOMPSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4BOARD MEMBER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt027913
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0TO PROVIDE AFFORDABLE HOUSING TO LOW INCOME INDIVIDUALS.
IRS990EZ/ProgramServiceRevenueAmt066577
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0AFFORDABLE HOUSING PROVIDED TO THOSE IN FINANCIAL NEED
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt055779
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt05939
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt04369
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt055779
IRS990EZ/TotalProgramServiceExpensesAmt055779
IRS990EZ/TotalRevenueAmt066606
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES 172 1,152 6,579 REPAIRS AND MAINTENANCE 11,096 TAXES AND LICENSES 5,803 SITE MANAGEMENT PAYROLL 2,009 OTHER EXPENSES 622 OVERAGE 480 TOTAL 27,913
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1RURAL DEVELOPMENT LOAN 1,475 954 TENANT SECURITY DEPOSITS 4,464 3,415
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART II, LINE 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CRAIG LLOYD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05074518524
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ELMORE HOUSING INC
ReturnHeader/Filer/BusinessNameControlTxt0ELMO
ReturnHeader/Filer/EIN0510172365
ReturnHeader/Filer/PhoneNum05074518524
ReturnHeader/Filer/USAddress/AddressLine1Txt0311 N CEDAR
ReturnHeader/Filer/USAddress/CityNm0OWATONNA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055060
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0271590985
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0STRUSS CPAS PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02055 4TH AVENUE SE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OWATONNA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd055060
ReturnHeader/PreparerPersonGrp/PhoneNum05074510611
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SARAH M STRUSS
ReturnHeader/ReturnTs02026-02-24T14:24:16-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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