Civic Intelligence

Community Redevelopment Loan And

EIN 58-2435590 • 501(c)3 • Atlanta, GA

Profile

Lending to builders of affordable and mixed income housing communities in metro atlanta.

233 Peachtree Street NE 800Atlanta, GA 30303

www.andpi.org

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.35x

Higher debt load relative to assets than 62% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

84th percentile

1.62x

Higher debt load relative to revenue than 84% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Net Margin

96th percentile

78%

Higher net margin than 96% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

82nd percentile

$481,445

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 6.8% of source-year revenue.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Asset Growth

3rd percentile

-24%

Faster asset growth than 3% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Revenue Growth

83rd percentile

39%

Faster revenue growth than 83% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Assets

Down

$33,053,042

Down $10,714,317 (-24%) from 2024

Liabilities

Down

$11,436,148

Down $16,209,084 (-59%) from 2024

Net Assets

Up

$21,616,894

Up $5,494,767 (+34%) from 2024

Revenue

Up

$7,055,649

Up $1,970,513 (+39%) from 2024

Expenses

Up

$1,560,882

Up $306,899 (+24%) from 2024

Net Income

Up

$5,494,767

Up $1,663,614 (+43%) from 2024

Trend Graphs

Balance Sheet Trend

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

$60M$40M$20M$0Assets 2011: $3,833,624Liabilities 2011: $1,620,939Net Assets 2011: $2,212,6852011Assets 2012: $2,995,326Liabilities 2012: $1,523,484Net Assets 2012: $1,471,8422012Assets 2013: $3,002,835Liabilities 2013: $1,508,510Net Assets 2013: $1,494,3252013Assets 2014: $3,738,948Liabilities 2014: $1,516,627Net Assets 2014: $2,222,3212014Assets 2015: $3,318,163Liabilities 2015: $1,010,197Net Assets 2015: $2,307,9662015Assets 2016: $4,838,999Liabilities 2016: $2,105,933Net Assets 2016: $2,733,0662016Assets 2017: $6,716,576Liabilities 2017: $2,086,439Net Assets 2017: $4,630,1372017Assets 2018: $19,369,714Liabilities 2018: $14,221,018Net Assets 2018: $5,148,6962018Assets 2019: $19,874,006Liabilities 2019: $14,757,865Net Assets 2019: $5,116,1412019Assets 2020: $20,854,044Liabilities 2020: $15,483,117Net Assets 2020: $5,370,9272020Assets 2021: $23,949,574Liabilities 2021: $16,612,908Net Assets 2021: $7,336,6662021Assets 2022: $28,022,804Liabilities 2022: $17,481,090Net Assets 2022: $10,541,7142022Assets 2023: $35,792,391Liabilities 2023: $23,501,417Net Assets 2023: $12,290,9742023Assets 2024: $43,767,359Liabilities 2024: $27,645,232Net Assets 2024: $16,122,1272024Assets 2025: $33,053,042Liabilities 2025: $11,436,148Net Assets 2025: $21,616,8942025

Highlighted filing

2025

Assets$33,053,042
Liabilities$11,436,148
Net Assets$21,616,894

Operations Trend

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

$10M$5.0M$0-$5.0MRevenue 2011: $443,638Expenses 2011: $2,629,658Net Income 2011: -$2,186,0202011Revenue 2012: $347,096Expenses 2012: $1,087,939Net Income 2012: -$740,8432012Expenses 2013: $387,9272013Revenue 2014: $900,347Expenses 2014: $172,351Net Income 2014: $727,9962014Revenue 2015: $275,819Expenses 2015: $190,174Net Income 2015: $85,6452015Revenue 2016: $635,486Expenses 2016: $210,386Net Income 2016: $425,1002016Revenue 2017: $2,255,769Expenses 2017: $358,698Net Income 2017: $1,897,0712017Revenue 2018: $883,474Expenses 2018: $364,915Net Income 2018: $518,5592018Revenue 2019: $446,709Expenses 2019: $479,264Net Income 2019: -$32,5552019Revenue 2020: $1,111,059Expenses 2020: $856,273Net Income 2020: $254,7862020Revenue 2021: $2,672,359Expenses 2021: $706,620Net Income 2021: $1,965,7392021Revenue 2022: $3,977,537Expenses 2022: $772,489Net Income 2022: $3,205,0482022Revenue 2023: $2,631,431Expenses 2023: $882,171Net Income 2023: $1,749,2602023Revenue 2024: $5,085,136Expenses 2024: $1,253,983Net Income 2024: $3,831,1532024Revenue 2025: $7,055,649Expenses 2025: $1,560,882Net Income 2025: $5,494,7672025

Highlighted filing

2025

Revenue$7,055,649
Expenses$1,560,882
Net Income$5,494,767

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$33.1$11.4$21.6$7.06$1.56$5.49
2024Detailed filing. Detailed filing data is available for this year.$43.8$27.6$16.1$5.09$1.25$3.83
2023Detailed filing. Detailed filing data is available for this year.$35.8$23.5$12.3$2.63$0.88$1.75
2022Detailed filing. Detailed filing data is available for this year.$28.0$17.5$10.5$3.98$0.77$3.21
2021Detailed filing. Detailed filing data is available for this year.$23.9$16.6$7.34$2.67$0.71$1.97
2020Detailed filing. Detailed filing data is available for this year.$20.9$15.5$5.37$1.11$0.86$0.25
2019Detailed filing. Detailed filing data is available for this year.$19.9$14.8$5.12$0.45$0.48$0.03
2018Detailed filing. Detailed filing data is available for this year.$19.4$14.2$5.15$0.88$0.36$0.52
2017Detailed filing. Detailed filing data is available for this year.$6.72$2.09$4.63$2.26$0.36$1.90
2016Detailed filing. Detailed filing data is available for this year.$4.84$2.11$2.73$0.64$0.21$0.43
2015Summary only. Only limited summary data is available for this year.$3.32$1.01$2.31$0.28$0.19$0.09
2014Detailed filing. Detailed filing data is available for this year.$3.74$1.52$2.22$0.90$0.17$0.73
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.00$1.51$1.49$0.39
2012Summary only. Only limited summary data is available for this year.$3.00$1.52$1.47$0.35$1.09$0.74
2011Summary only. Only limited summary data is available for this year.$3.83$1.62$2.21$0.44$2.63$2.19
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Jan 27, 2026
Return Version
2024v5.5
Gross Receipts
$7,055,649
Mission and Program Overview

Mission

Develops, finances, and advocates for affordable housing at scale that promotes racial equity and healthy communities where families thrive.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$26,405,413$19,486,910▼ $6,918,503
Savings and Temporary Cash Investments$14,485,303$8,395,394▼ $6,089,909
Accounts Receivable$2,876,643$5,170,738▲ $2,294,095
Total Assets$43,767,359$33,053,042▼ $10,714,317
Liabilities
Mortgage Notes Payable Secured by Investment Property$9,850,000$11,307,000▲ $1,457,000
Deferred Revenue$5,725,000$0▼ $5,725,000
Accounts Payable and Accrued Expenses$12,070,232$129,148▼ $11,941,084
Total Liabilities$27,645,232$11,436,148▼ $16,209,084
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$16,122,127$21,616,894▲ $5,494,767
Total Net Assets Fund Balance$16,122,127$21,616,894▲ $5,494,767
Total Liabilities and Net Assets / Fund Balance$43,767,359$33,053,042▼ $10,714,317
Compensation and Service Providers

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$5,760,250
Program Service Revenue
$1,027,067
Investment Income
$268,332
Other Revenue
$0
All Other Contributions
$5,760,250
Change in Net Assets
$5,494,767
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,560,882
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$344,709--$344,709
Fees for Services Other$316,030--$316,030
Fees for Services Accounting$38,600--$38,600
Occupancy$12,519--$12,519
Insurance$2,136--$2,136
Other Expenses$1,184--$1,184
Office Expenses$364--$364
Total Functional Expenses$1,560,882$0$0$1,560,882
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

Copies of the form 990 are presented to the executive committee for their review with the cfo.

Form 990, Part VI, Section B, Line 12C

Management provides employees and board members with a questionnaire regarding conflicts of interest. The questionnaire is updated annually.

Form 990, Part VI, Section B, Line 15

Compensation ranges for the current ceo were established prior to his hiring in 2006 as part of an extensive search process which utilized the services of an executive search firm specializing in non-profit placements. The firm advised the search committee on appropriate compensation ranges based on industry comparisons. Annual performance reviews for the ceo are conducted by the board's compensation committee which includes the board chair, treasurer and the past board chair or current vice chair. The compensation committee establishes annual performance goals for the ceo and measures annual performance against these goals. Goals are largely based on the board approved annual plan. The compensation committee additionally evaluates market comparisons for ceos of similar non-profit organizations doing comparable work at a minimum of every three years and conducts third party market studies as part of this evaluation. The compensation committee evaluates total compensation including base salary, bonus (if any), along with insurance and retirement contributions as part of its market evaluation. The board establishes a budget average for annual performance based raises for all employees. The compensation committee may provide the ceo an annual performance based bonus and/or performance based annual salary increase annually but is not required to do so. The committee may also consider and implement market based changes in the ceo's compensation.

Form 990, Part VI, Section C, Line 19

The organization makes its financial statements available to the public upon request. Other governing and organizational documents are available upon request.

Filing and Contact Details

Filer

Filer Name
Community Redevelopment Loan and
EIN
58-2435590
Phone
4045222637
Address
233 PEACHTREE STREET NE 800, ATLANTA, GA 30303

Signing Officer

Name
Agnes Casimir
Title
CFO
Phone
4045222637
Signed
2026-01-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
JOHN O'CALLAGHAN
Formed
1998
Legal Domicile
Ga
Voting Board Members
25
Independent Board Members
23
Employees
0
Volunteers
0

Preparer

Firm
Cohnreznick Advisory LLC
Address
3560 LENOX ROAD NE SUITE 2900, ATLANTA, GA 30326
Preparer
Andrew P Smith
Phone
4048479447
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

Consulting fees: program service expenses 316,030. Management and general expenses 0. Fundraising expenses 0. Total expenses 316,030.

PART XI #2B

This entity was audited as part of a consolidated audit for atlanta neighborhood development partnership, inc (andp). The consolidated financial statements included the accounts for andp, andp misty amber senior housing inc, andp holdings inc, asset holdings inc, community redevelopment loan and investment fund inc, andp homes llc, andp delowe village llc, andp providence parkway gp, llc, andp stanton crest, llc, andp huntington court, llc, andp creekside at adamsville place, llc, misty amber lp, chp-misty llc, huntington court partners llc, andp misty amber martin house, llc, andp sylvan hills gp, llc, andp development fund inc., andp arden family i gp, llc, preservation station, llc, maar fund 1, llc, andp sylvan hills ii llc, and goatlandp affordable housing, llc.

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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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