Civic Intelligence

Center for Community Self-Help

EIN 56-1271685 • 501(c)3 • Durham, NC

Profile

The Centers mission is to create and protect ownership for all, especially people of color, women, rural residents and low wealth families and communities.

301 W Main StreetDurham, NC 27701-3227

www.self-help.org

Siviq Scores

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

Liabilities / Assets

45th percentile

0.20x

Higher debt load relative to assets than 45% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

82nd percentile

1.51x

Higher debt load relative to revenue than 82% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2024

Net Margin

78th percentile

23%

Higher net margin than 78% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

40th percentile

3.7%

Faster asset growth than 40% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

95th percentile

133%

Faster revenue growth than 95% of similar nonprofits.

501(c)3 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Assets

Up

$57,288,052

Up $2,039,917 (+3.7%) from 2023

Liabilities

Up

$11,414,105

Up $303,281 (+2.7%) from 2023

Net Assets

Up

$45,873,947

Up $1,736,636 (+3.9%) from 2023

Revenue

Up

$7,553,705

Up $4,313,206 (+133%) from 2023

Expenses

Up

$5,817,069

Up $3,296,627 (+131%) from 2023

Net Income

Up

$1,736,636

Up $1,016,579 (+141%) from 2023

Trend Graphs

Balance Sheet Trend

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

$60M$40M$20M$0Assets 2010: $22,899,664Liabilities 2010: $4,473,156Net Assets 2010: $18,426,5082010Assets 2011: $22,524,925Liabilities 2011: $4,982,193Net Assets 2011: $17,542,7322011Assets 2012: $21,817,827Liabilities 2012: $4,152,502Net Assets 2012: $17,665,3252012Assets 2013: $23,372,864Liabilities 2013: $4,277,608Net Assets 2013: $19,095,2562013Assets 2014: $22,257,305Liabilities 2014: $3,961,068Net Assets 2014: $18,296,2372014Assets 2015: $23,912,689Liabilities 2015: $4,133,930Net Assets 2015: $19,778,7592015Assets 2016: $23,223,226Liabilities 2016: $4,102,772Net Assets 2016: $19,120,4542016Assets 2017: $26,116,090Liabilities 2017: $4,143,667Net Assets 2017: $21,972,4232017Assets 2018: $35,596,688Liabilities 2018: $4,416,406Net Assets 2018: $31,180,2822018Assets 2019: $35,025,225Liabilities 2019: $4,344,947Net Assets 2019: $30,680,2782019Assets 2020: $45,315,972Liabilities 2020: $4,401,102Net Assets 2020: $40,914,8702020Assets 2021: $50,951,499Liabilities 2021: $7,253,716Net Assets 2021: $43,697,7832021Assets 2022: $52,606,933Liabilities 2022: $9,189,679Net Assets 2022: $43,417,2542022Assets 2023: $55,248,135Liabilities 2023: $11,110,824Net Assets 2023: $44,137,3112023Assets 2024: $57,288,052Liabilities 2024: $11,414,105Net Assets 2024: $45,873,9472024

Highlighted filing

2024

Assets$57,288,052
Liabilities$11,414,105
Net Assets$45,873,947

Operations Trend

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $4,694,9202010Expenses 2011: $9,472,4572011Expenses 2012: $2,494,4102012Revenue 2013: $6,654,830Expenses 2013: $5,224,899Net Income 2013: $1,429,9312013Revenue 2014: $2,403,420Expenses 2014: $3,202,439Net Income 2014: -$799,0192014Revenue 2015: $3,532,736Expenses 2015: $2,050,214Net Income 2015: $1,482,5222015Revenue 2016: $1,040,835Expenses 2016: $1,699,140Net Income 2016: -$658,3052016Revenue 2017: $5,272,712Expenses 2017: $2,420,743Net Income 2017: $2,851,9692017Revenue 2018: $11,489,153Expenses 2018: $2,281,294Net Income 2018: $9,207,8592018Revenue 2019: $2,371,521Expenses 2019: $2,871,525Net Income 2019: -$500,0042019Revenue 2020: $14,619,141Expenses 2020: $4,384,549Net Income 2020: $10,234,5922020Revenue 2021: $5,300,422Expenses 2021: $2,517,509Net Income 2021: $2,782,9132021Revenue 2022: $6,987,039Expenses 2022: $7,267,568Net Income 2022: -$280,5292022Revenue 2023: $3,240,499Expenses 2023: $2,520,442Net Income 2023: $720,0572023Revenue 2024: $7,553,705Expenses 2024: $5,817,069Net Income 2024: $1,736,6362024

Highlighted filing

2024

Revenue$7,553,705
Expenses$5,817,069
Net Income$1,736,636

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.3$11.4$45.9$7.55$5.82$1.74
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$55.2$11.1$44.1$3.24$2.52$0.72
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.6$9.19$43.4$6.99$7.27$0.28
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$51.0$7.25$43.7$5.30$2.52$2.78
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.3$4.40$40.9$14.6$4.38$10.2
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.0$4.34$30.7$2.37$2.87$0.50
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$35.6$4.42$31.2$11.5$2.28$9.21
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.1$4.14$22.0$5.27$2.42$2.85
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.2$4.10$19.1$1.04$1.70$0.66
2015Detailed filing. Detailed filing data is available for this year.$23.9$4.13$19.8$3.53$2.05$1.48
2014Detailed filing. Detailed filing data is available for this year.$22.3$3.96$18.3$2.40$3.20$0.80
2013Detailed filing. Detailed filing data is available for this year.$23.4$4.28$19.1$6.65$5.22$1.43
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.8$4.15$17.7$2.49
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.5$4.98$17.5$9.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.9$4.47$18.4$4.69
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Oct 30, 2023
Return Version
2022v5.0
Gross Receipts
$6,987,039
Mission and Program Overview

Mission

The Centers mission is to create and protect ownership for all, especially people of color, women, rural residents and low wealth families and communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$44,411,424$46,171,400▲ $1,759,976
Savings and Temporary Cash Investments$4,617,267$5,056,393▲ $439,126
Accounts Receivable$1,637,202$976,249▼ $660,953
Cash and Non-Interest-Bearing Accounts$239,699$279,770▲ $40,071
Prepaid Expenses and Deferred Charges$35,000$30,000▼ $5,000
Land, Buildings, and Equipment, Net$8,005$3,639▼ $4,366
Investments in Publicly Traded Securities$2,902$1,251▼ $1,651
Total Assets$50,951,499$52,606,933▲ $1,655,434
Other Assets Total-$88,231-
Liabilities
Unsecured Notes Loans Payable$4,741,005$4,750,529▲ $9,524
Accounts Payable and Accrued Expenses$2,475,211$3,095,945▲ $620,734
Grants Payable$37,500$953,555▲ $916,055
Deferred Revenue-$300,500-
Other Liabilities-$89,150-
Total Liabilities$7,253,716$9,189,679▲ $1,935,963
Net Assets / Fund Balance
Net Assets With Donor Restrictions$33,761,889$34,751,782▲ $989,893
Net Assets Without Donor Restrictions$9,935,894$8,665,472▼ $1,270,422
Total Net Assets Fund Balance$43,697,783$43,417,254▼ $280,529
Total Liabilities and Net Assets / Fund Balance$50,951,499$52,606,933▲ $1,655,434

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,640$731,827$735,467
Other Land Buildings$-1$192,136$192,135
Leasehold Improvements-$42,089$42,089
Investment Program Related Org$1,006,848--
Compensation and Service Providers

Employees

NameTitleOtherTotal
Marcus BowenTreasurer$130,416$130,416
Dave ShumannfangSecretary$124,910$124,910
Martin EakesCEODirector$124,910$124,910
Lily SteponaitisDirector$120,399$120,399
Crystal GermanPresident$98,102$98,102

Board Members and Trustees

NameTitle
Lewis MyersChairDirector
David SteinDirector
Farad AliDirector
Gene NicholDirector
Joseph A Smith JrDirector
Linda ShawDirector
Melvin DavisDirector
Mike GiarlaDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$6,557,067
Program Service Revenue
$328,596
Investment Income
$65,838
Other Revenue
$35,538
All Other Contributions
$6,169,607
Change in Net Assets
$-280,529

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,987,039
Total Revenue per Audited Statements
$6,987,039
Total Revenue per Form 990
$6,987,039
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$6,440,702
Other Expenses$826,866
Total Fundraising Expense$1,062
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Orgs$6,440,702--$6,440,702
Fees for Services Other$278,609--$278,609
Other Expenses$60,737$5,271$80$60,737
Occupancy$17,041$3,204$49$20,294
Fees for Services Accounting-$18,000-$18,000
Fees for Services Lobbying$17,900--$17,900
All Other Expenses$9,237$1,737$26$11,000
Travel$9,347--$9,347
Depreciation Depletion$3,667$689$10$4,366
Office Expenses$1,958$368$7$2,333
Insurance$462$87$1$550
Total Functional Expenses$7,178,676$87,830$1,062$7,267,568

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,267,568
Total Expenses per Audited Statements$7,267,568
Total Expenses per Form 990$7,267,568
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Self-Help Ventures FundDurham, NC501c3Charitable Lending$5,259,171
Self-Help Federal CUDurham, NC501c1Charitable Lending$430,500
Self-Help Credit UnionDurham, NC501c14Charitable Lending$324,935
Self-Help CommDevelopCorpDurham, NC501c3Affordable Housing$212,500
Richmond Heritage FCURichmond, VA501c1Charitable Lending$50,436
Northwest Side CDCMilwaukee, WI501c3Charitable Lending$50,000
Wisconsin Womens BusInitative CorpMilwaukee, WI501c3Charitable Lending$50,000
McNaught & Clements PLLCCharlotte, NCLaw FirmDown Payment Assistance$7,500
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
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Operating Lease Liability$89,150
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 35% controlled entity
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

Form 990, Part VI, Section A, Line 6,7a: The organization has two classes of members, each of which elects a representative to the board of directors.

Member election for additional members Part VI line 7A

Form 990, Part VI, Section A, Line 6,7a: The organization has two classes of members, each of which elects a representative to the board of directors.

Form 990 governing body review Part VI line 11

Form 990, Part VI, Section A, Line 11b: The Form 990 is prepared by staff accountants. The Chief Financial Officer, the Controller, and in-house counsel review multiple drafts and verify all answers before the form is provided to the Chief Executive Officer and board of directors for further review and comment prior to submission.

Conflict of interest policy compliance Part VI line 12C

Form 990, Part VI, Section B, Line 12c: The organizations Conflict of Interest Policy covers its officers, directors or trustees, all employees of the organization or any related organization, and family members of persons in these categories. All covered persons are required under the policy to disclose actual or potential conflicts as soon as they arise and the directors of the organization and related organizations confirm annually that there are no existing conflicts of interest. Persons with actual conflicts are prohibited from participating in any decisions relevant to the situation where the conflict exists. Most conflicts are clearly delineated by the policy; situations that are no so clear-cut are reviewed by in-house counsel, the CEO, or the Board, as appropriate.

CEO executive director top management comp Part VI line 15A

Form 990, Part VI, Section B, Line 15b: The organization pays its highest paid workers including the CEO, top management officials and other officers, in accordance with a salary ceiling that is confirmed annually by the board, and was last confirmed in February 2022. This ceiling is subject to adjustment for increased costs of living associated with the geographical areas in which workers are working, but is well below the average market salary for workers with comparable levels of expertise and experience.

Other officer or key employee compensation Part VI line 15B

Form 990, Part VII, Section A, Line 1a: No director or officer receives compensation for their work as a director, officer or trustee; instead, the amounts listed in columns (E) and (F) are compensation paid to employees of the related organization who work 30-40 hours per week by Self-Help Services Corporation, which serves as the employer for all of the filing organizations workers.

Governing documents etc available to public Part VI line 19

Form 990, Part VI, Section C, Line 19: No documents available to the public.

Part VII response or note to any other line in Part VII

Form 990, Part VII, Section A, Line 1a: No director or officer receives compensation for their work as a director, officer or trustee; instead, the amounts listed in columns (E) and (F) are compensation paid to employees of the related organization who work 30-40 hours per week by Self-Help Services Corporation, which serves as the employer for all of the filing organizations workers.

Filing and Contact Details

Filer

Filer Name
Center for Community Self-Help
EIN
56-1271685
Address
301 W Main Street, Durham, NC 27701-3227

Signing Officer

Name
Crystal German
Title
President
Phone
9199564400
Signed
2023-10-30

Organization Details

Principal Officer
Crystal German
Formed
1980
Legal Domicile
Nc
Voting Board Members
10
Independent Board Members
8
Employees
0
Supplemental Narrative

Additional Explanations

Part III response or note to any other line in Part III

Form 990, Part III, Line 4d: RESPONSIBLE LENDING POLICY AND RESEARCH: Together with supporting organization Center for Responsible Lending, conducted research & provided education & technical assistance regarding predatory lending & other abusive financial practices. Published 80 research reports, and made 38 presentations. Taken together, the activities noted above had approximately 90,695 beneficiaries.

Financial Statement Notes

Footnote for uncertain tax position under FIN 48 (Part X)

Part X Line 2: The Center has determined that all tax positions taken for the current year ended December 31, 2022 and all years open under the statute of limitations are highly certain. Therefore, the Center has determined that no unrecognized tax liability exists.

Raw XML AppendixShowing 400 of 793 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/Desc0COMMUNITY DEVELOPMENT REAL ESTATE PROJECTS: Primarily through its supporting organizations, Self-Help Ventures Fund and Self-Help Community Development Corp., The Center engages in economic development through the renovation of historic buildings, construction of new buildings in distressed communities; as well as provides quality affordable retail spaces, community facilities, and commercial rental spaces to revitalize and stabilize distressed communities. Approximately 4,662 beneficiaries.
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IRS990/Form990PartVIISectionAGrp/PersonNm1Martin Eakes
IRS990/Form990PartVIISectionAGrp/PersonNm2Dave Shumannfang
IRS990/Form990PartVIISectionAGrp/PersonNm3Lily Steponaitis
IRS990/Form990PartVIISectionAGrp/PersonNm4Crystal German
IRS990/Form990PartVIISectionAGrp/PersonNm5David Stein
IRS990/Form990PartVIISectionAGrp/PersonNm6Joseph A Smith Jr
IRS990/Form990PartVIISectionAGrp/PersonNm7Mike Giarla
IRS990/Form990PartVIISectionAGrp/PersonNm8Melvin Davis
IRS990/Form990PartVIISectionAGrp/PersonNm9Farad Ali
IRS990/Form990PartVIISectionAGrp/PersonNm10Linda Shaw
IRS990/Form990PartVIISectionAGrp/PersonNm11Gene Nichol
IRS990/Form990PartVIISectionAGrp/PersonNm12Lewis Myers
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt1CEODirector
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4President
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12ChairDirector
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IRS990/MissionDesc0The Centers mission is to create and protect ownership for all, especially people of color, women, rural residents and low wealth families and communities.
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IRS990/PrincipalOfficerNm0Crystal German
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IRS990/ProgSrvcAccomActy2Grp/Desc0COMMUNITY DEVELOPMENT SECONDARY MARKET PROGRAMS: Facilitation of a secondary market operated by Self-Help Ventures Fund for home mortgages of low-income buyers in distressed communities to make homeownership more widely available to these families. Approximately 20,757 beneficiaries.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0831261
IRS990/ProgSrvcAccomActy2Grp/GrantAmt0820451
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0153
IRS990/ProgSrvcAccomActy3Grp/Desc0EDUCATIONAL AND TECHNICAL ASSISTANCE: Together with supporting organizations Self-Help Ventures Fund and Self-Help Community Development Corporation, conducted general programs, educational and job-saving activities, and development of support groups and community-based organizations that help low-income people. Approximately 15,220 beneficiaries.
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IRS990/ProgSrvcAccomActy3Grp/GrantAmt056150
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IRS990/ProgSrvcAccomActyOtherGrp/Desc0RESPONSIBLE LENDING POLICY AND RESEARCH: Together with supporting organization Center for Responsible Lending, engaged in education & technical assistance on abusive financial practices that deplete the wealth of low-income & minority families & communities. Published 80 research reports, made 38 presentations, testimony, conferences, and analysis for comment letters to educate the general public and inform the regulatory process. Taken together, the activities noted above had approximately 90,695 beneficiaries.
IRS990/ProgSrvcAccomActyOtherGrp/Desc1COMMUNITY DEVELOPMENT LENDING: Primarily through Self-Help Ventures Fund, originated and purchased loans primarily to low income, rural, and minority communities enabling home ownership and fostering small business development. Created or maintained jobs, childcare facilities, and schools. Approximately 58,625 beneficiaries.
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IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0Contributions reported on Schedule A, Part II, line 1 match with contribution revenue reported on the 990, Part VIII, line 1h. CCSH recognizes the grant money received as revenue when the performance obligations have been met.
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