Civic Intelligence

Frontier Housing Inc

EIN 61-0863958 • 501(c)3 • Morehead, KY

View Organization Page

Profile

Frontier housing provides affordable housing opportunities to build better communities.

5445 Flemingsburg RoadMorehead, KY 40351

www.frontierhousing.org

Siviq Scores

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

Liabilities / Assets

77th percentile

0.52x

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

501(c)3 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

90th percentile

2.40x

Higher debt load relative to revenue than 90% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Net Margin

41st percentile

1.3%

Higher net margin than 41% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

60th percentile

$217,971

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 4.6% of source-year revenue.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Asset Growth

73rd percentile

13%

Faster asset growth than 73% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

83rd percentile

42%

Faster revenue growth than 83% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets77th percentile

Assets

Up

$21,771,810

Up $3,981,706 (+22%) from 2023

Liabilities

Up

$11,305,560

Up $4,045,678 (+56%) from 2023

Net Assets

Down

$10,466,250

Down $63,972 (-0.6%) from 2023

Operations
Liabilities / Revenue90th percentileNet Margin41st percentile

Revenue

Up

$4,715,046

Up $2,194,735 (+87%) from 2023

Expenses

Up

$4,655,217

Up $2,210,380 (+90%) from 2023

Net Income

Down

$59,829

Down $15,645 (-21%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth73rd percentile

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

$30M$20M$10M$0Assets 2010: $14,864,593Liabilities 2010: $3,308,932Net Assets 2010: $11,555,6612010Assets 2011: $16,257,482Liabilities 2011: $3,591,591Net Assets 2011: $12,665,8912011Assets 2012: $15,766,869Liabilities 2012: $3,018,422Net Assets 2012: $12,748,4472012Assets 2013: $17,441,501Liabilities 2013: $4,021,543Net Assets 2013: $13,419,9582013Assets 2014: $15,907,231Liabilities 2014: $3,864,364Net Assets 2014: $12,042,8672014Assets 2015: $16,245,861Liabilities 2015: $3,558,804Net Assets 2015: $12,687,0572015Assets 2016: $14,974,379Liabilities 2016: $2,865,964Net Assets 2016: $12,108,4152016Assets 2017: $13,405,986Liabilities 2017: $2,487,275Net Assets 2017: $10,918,7112017Assets 2018: $13,119,940Liabilities 2018: $2,586,785Net Assets 2018: $10,533,1552018Assets 2019: $12,450,032Liabilities 2019: $2,111,686Net Assets 2019: $10,338,3462019Assets 2020: $12,685,533Liabilities 2020: $2,739,514Net Assets 2020: $9,946,0192020Assets 2021: $12,775,607Liabilities 2021: $2,755,541Net Assets 2021: $10,020,0662021Assets 2022: $15,106,342Liabilities 2022: $4,651,594Net Assets 2022: $10,454,7482022Assets 2023: $17,790,104Liabilities 2023: $7,259,882Net Assets 2023: $10,530,2222023Assets 2025: $21,771,810Liabilities 2025: $11,305,560Net Assets 2025: $10,466,2502025

Highlighted filing

2025

Assets$21,771,810
Liabilities$11,305,560
Net Assets$10,466,250
Open 2025 Filing

Operations Trend

Revenue Growth83rd percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,905,5152010Expenses 2011: $2,688,5272011Expenses 2012: $2,650,9672012Expenses 2013: $2,754,5802013Revenue 2014: $971,180Expenses 2014: $1,640,904Net Income 2014: -$669,7242014Revenue 2015: $2,657,295Expenses 2015: $2,013,105Net Income 2015: $644,1902015Revenue 2016: $930,193Expenses 2016: $1,508,835Net Income 2016: -$578,6422016Revenue 2017: $357,472Expenses 2017: $1,547,176Net Income 2017: -$1,189,7042017Revenue 2018: $1,162,887Expenses 2018: $1,548,443Net Income 2018: -$385,5562018Revenue 2019: $1,069,298Expenses 2019: $1,264,107Net Income 2019: -$194,8092019Revenue 2020: $1,312,803Expenses 2020: $1,705,130Net Income 2020: -$392,3272020Revenue 2021: $1,587,863Expenses 2021: $1,513,816Net Income 2021: $74,0472021Revenue 2022: $2,529,828Expenses 2022: $2,095,146Net Income 2022: $434,6822022Revenue 2023: $2,520,311Expenses 2023: $2,444,837Net Income 2023: $75,4742023Revenue 2025: $4,715,046Expenses 2025: $4,655,217Net Income 2025: $59,8292025

Highlighted filing

2025

Revenue$4,715,046
Expenses$4,655,217
Net Income$59,829
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$21,771,810
Liabilities
$11,305,560
Net assets
$10,466,250
Revenue
$4,715,046
Expenses
$4,655,217
Net income
$59,829
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.8$11.3$10.5$4.72$4.66$0.06
2023Summary only. Only limited summary data is available for this year.$17.8$7.26$10.5$2.52$2.44$0.08
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.1$4.65$10.5$2.53$2.10$0.43
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.8$2.76$10.0$1.59$1.51$0.07
2020Summary only. Only limited summary data is available for this year.$12.7$2.74$9.95$1.31$1.71$0.39
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.5$2.11$10.3$1.07$1.26$0.19
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.1$2.59$10.5$1.16$1.55$0.39
2017Summary only. Only limited summary data is available for this year.$13.4$2.49$10.9$0.36$1.55$1.19
2016Summary only. Only limited summary data is available for this year.$15.0$2.87$12.1$0.93$1.51$0.58
2015Summary only. Only limited summary data is available for this year.$16.2$3.56$12.7$2.66$2.01$0.64
2014Summary only. Only limited summary data is available for this year.$15.9$3.86$12.0$0.97$1.64$0.67
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.4$4.02$13.4$2.75
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.8$3.02$12.7$2.65
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.3$3.59$12.7$2.69
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.9$3.31$11.6$1.91
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Apr 1, 2024 to Mar 31, 2025
Signed
Jan 14, 2026
Return Version
2024v5.0
Gross Receipts
$7,764,268
Mission and Program Overview

Mission

Frontier housing provides affordable housing opportunities to build better communities.

Frontier housing is the leader for affordable housing dolutions in appalachian communities in the heart of the ohio river valley. Frontier improves the quality of life for individuals and families, helping them: achieve long-term stability, financial independence, and generational wealth.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,651,492$9,362,878▲ $711,386
Inventories for Sale or Use$4,945,778$4,868,217▼ $77,561
Land, Buildings, and Equipment, Net$2,795,814$4,465,378▲ $1,669,564
Cash and Non-Interest-Bearing Accounts$1,211,598$1,767,039▲ $555,441
Accounts Receivable$1,535,450$561,833▼ $973,617
Receivable From Disqualified Prsn$22,991$22,991→ $0
Investments Program Related$1,000$1,000→ $0
Total Assets$19,264,430$21,771,810▲ $2,507,380
Other Assets Total$100,307$722,474▲ $622,167
Liabilities
Unsecured Notes Loans Payable$6,779,647$8,046,667▲ $1,267,020
Deferred Revenue$450,481$1,482,348▲ $1,031,867
Other Liabilities$1,198,992$905,403▼ $293,589
Accounts Payable and Accrued Expenses$297,435$741,816▲ $444,381
Escrow Account Liability$131,454$129,326▼ $2,128
Total Liabilities$8,858,009$11,305,560▲ $2,447,551
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$7,054,135$7,258,453▲ $204,318
Net Assets With Donor Restrictions$3,352,286$3,207,797▼ $144,489
Total Net Assets Fund Balance$10,406,421$10,466,250▲ $59,829
Total Liabilities and Net Assets / Fund Balance$19,264,430$21,771,810▲ $2,507,380

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,326,414$1,072,282$4,398,696
Land$777,028-$777,028
Equipment$361,936$411,837$773,773
Compensation and Service Providers
Top Officer Pay60th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tom Manning-beavinPresident/ceFT$158,146$59,825$217,971
Tom Manning-beavinPresident/CEO-$158,146$59,825$217,971
Chelsa HamiltonCFOFT$79,953$19,987$99,940

Board Members and Trustees

NameTitle
Kamilla LawsonChair
Ezra DikeVice Chair
Ann BallardBoard Member
Bodie StevensBoard Member
David LollisBoard Member
Dorothy ClemonsBoard Member
Dr Itza Zavala-garrett PhdBoard Member
Renee ParsonsBoard Member
Shantee LamarrBoard Member
Tony BoydBoard Member
Wes HollandBoard Member
Cody PraterTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Napier And Son Home ImprovementsConstruction354 WALLER AVE STE 200, Lexington, KY 40504$1,924,361
Dba Hillside Roofing & ConstructionConstruction496 TOWNSHIP RD 248 N, Kitts Hill, OH 45645$609,519
Barry D CoxConstructionPO BOX 284, Paintsville, KY 41240$266,560
-ConstructionPO BOX 175, Elliottville, KY 40317$249,233
-Construction1185 MURDOCK RD, Hillsboro, KY 41049$244,306
Revenue and Support

Revenue Composition

Contributions and Grants
$3,935,107
Program Service Revenue
$0
Investment Income
$160,676
Other Revenue
$619,263
All Other Contributions
$654,123
Change in Net Assets
$59,829

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,715,046
Revenue Not Reported on Form 990
$3,049,222
Total Revenue per Audited Statements
$7,764,268
Total Revenue per Form 990
$4,715,046
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,642,596
Other Expenses$2,012,621
Total Fundraising Expense$234,952
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,415,234$954,501$132,429$2,502,164
Interest$229,192$14,267$52$243,511
Occupancy$198,729$23,395$6,201$228,325
Depreciation Depletion$183,215$4,135$1,809$189,159
Fees for Services Legal$134,645$27,734$22,524$184,903
Office Expenses$117,794$23,787$6,927$148,508
Conferences and Meetings$78,051$29,146$6,987$114,184
Current Officers, Directors, Trustees, and Key Employees-$79,953-$79,953
Advertising$5,896$25,232$39,256$70,384
All Other Expenses$50,531$50-$50,581
Other Expenses$35,766$8,339$1$44,106
Insurance$33,282$5,314$1,438$40,034
Pension Plan Contributions$23,364$8,960-$32,324
Other Employee Benefits$14,523$1,110$472$16,105
Payroll Taxes$8,695$3,355-$12,050
Total Functional Expenses$3,187,806$1,232,459$234,952$4,655,217

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$7,704,439
Expenses per Audited Statements$4,655,217
Total Expenses per Form 990$4,655,217
Expenses Not Reported on Form 990$3,049,222
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons$22,991$22,991→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Operating Lease Liability$633,458
Unearned Revenue$271,945
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, Page 6, Part VI, Line 11B

“The governing board will be provided a copy of the 990 for review prior to filing.”

Form 990, Page 6, Part VI, Line 12C

“Frontier conducts an annual internal review for potential new conflicts and ongoing reported conflicts. All conflicts are reported to frontier's audit committee for resolution and reporting.”

Form 990, Page 6, Part VI, Line 15A

“The executive committee reviews reported salaries for comparable positions at similar nonprofits by looking at the records of neighborworks america organizations and reviewing available 990's for organizations in ky.”

Form 990, Page 6, Part VI, Line 15B

“The executive committee reviews reported salaries for comparable positions at similar nonprofits by looking at the records of neighborworks america organizations and reviewing available 990's for organizations in ky.”

Form 990, Page 6, Part VI, Line 19

“Governing documents are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Frontier Housing Inc
EIN
61-0863958
Phone
6067842131
Address
5445 FLEMINGSBURG ROAD, MOREHEAD, KY 40351

Signing Officer

Name
Chelsa Hamilton
Title
CFO
Phone
6067842131
Signed
2026-01-14

Organization Details

Principal Officer
Tom Manning-beavin
Formed
1974
Legal Domicile
Ky
Voting Board Members
12
Independent Board Members
12
Employees
3
Volunteers
145

Preparer

Firm
Kelley Galloway Smith Goolsby Psc
Address
1200 CORPORATE COURT PO BOX 990, ASHLAND, KY 41105-0990
Preparer
Lori F Dearfield CPA
Phone
6063291811
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Frontier housing is the leader for affordable housing dolutions in appalachian communities in the heart of the ohio river valley. Frontier improves the quality of life for individuals and families, helping them: achieve long-term stability, financial independence, and generational wealth.”

Form 990, Part XI, Line 9

“Direct cost of construction (offsets) 3,049,222 direct cost of construction (offsets) -3,049,222”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Organization collects and maintains an escrow account for mortgages of customers. The account consists of taxes and insurance and is maintained by the mortgage service provider.”

Schedule D, Page 4, Part XI, Line 2D

“Direct cost of construction (offsets) 3,049,222”

Schedule D, Page 4, Part XII, Line 2D

“Direct cost of construction (offsets) 3,049,222”

Raw XML AppendixShowing 400 of 645 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/ActivityOrMissionDesc0FRONTIER HOUSING IS THE LEADER FOR AFFORDABLE HOUSING DOLUTIONS IN APPALACHIAN COMMUNITIES IN THE HEART OF THE OHIO RIVER VALLEY. FRONTIER IMPROVES THE QUALITY OF LIFE FOR INDIVIDUALS AND FAMILIES, HELPING THEM: ACHIEVE LONG-TERM STABILITY, FINANCIAL INDEPENDENCE, AND GENERATIONAL WEALTH.
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IRS990/Desc0HOMEOWNERSHIP CREATION: FRONTIER HOUSING'S FISCAL YEAR IMPACT INCLUDED A TOTAL INVESTMENT OF OVER 9.7 MILLION IN OUR COMMUNITIES. WE BUILT AND FINANCED 9 NEW HOMES. HOMEBUYER EDUCATION AND COUNSELING: FRONTIER PROVIDED HOMEBUYER EDUCATION AND CREDIT COUNSELING FOR OVER 200 HOUSEHOLDS IN PREPARING THEM TO BECOME HOMEBUYERS. HOME REHABILITATION: FRONTIER REHABILITATED 38 HOMES IN OUR SERVICE AREA. RENTAL HOUSING: FRONTIER OWNED AND OPERATED 46 RENTAL UNITS PROVIDING AFFORDABLE HOUSING FOR LOW-INCOME FAMILIES.
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IRS990/MissionDesc0FRONTIER HOUSING IS THE LEADER FOR AFFORDABLE HOUSING DOLUTIONS IN APPALACHIAN COMMUNITIES IN THE HEART OF THE OHIO RIVER VALLEY. FRONTIER IMPROVES THE QUALITY OF LIFE FOR INDIVIDUALS AND FAMILIES, HELPING THEM: ACHIEVE LONG-TERM STABILITY, FINANCIAL INDEPENDENCE, AND GENERATIONAL WEALTH.
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IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0FEES AND MISCELLANEOUS CHARGES 2,527,133
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
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