Civic Intelligence

Chattanooga Community Development Financial Institution Inc

990 • Fiscal year 2016 • EIN 62-1572698

Jul 01, 2015 to Jun 30, 2016 • Filed on Jan 18, 2017

Organization ProfileN/A
1500 Chestnut Street Suite 102Chattanooga, TN 37408

(423) 756-6201

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

72nd percentile

0.35x

Higher debt load relative to assets than 72% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

69th percentile

0.29x

Higher debt load relative to revenue than 69% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Net Margin

99th percentile

97%

Higher net margin than 99% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2016

Asset Growth

15th percentile

-7.9%

Faster asset growth than 15% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

99th percentile

1066%

Faster revenue growth than 99% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Down

$2,552,200

Down $219,698 (-7.9%) from 2015

Net Assets

Up

$1,663,337

Up $2,874,460 (+237%) from 2015

Liabilities

Down

$888,863

Down $3,094,158 (-78%) from 2015

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin99th percentile

Revenue

Up

$3,060,622

Up $2,798,055 (+1066%) from 2015

Expenses

Down

$100,141

Down $208,990 (-68%) from 2015

Net Income

Up

$2,960,481

Up $3,007,045 (+6458%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth15th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$6.0M$4.0M$2.0M$0-$2.0MAssets 2010: $5,067,271Liabilities 2010: $3,792,292Net Assets 2010: $1,274,9792010Assets 2011: $4,818,278Liabilities 2011: $3,531,845Net Assets 2011: $1,286,4332011Assets 2012: $3,872,629Liabilities 2012: $4,302,141Net Assets 2012: -$429,5122012Assets 2013: $3,576,419Liabilities 2013: $4,507,296Net Assets 2013: -$930,8772013Assets 2014: $2,555,033Liabilities 2014: $4,267,151Net Assets 2014: -$1,712,1182014Assets 2015: $2,771,898Liabilities 2015: $3,983,021Net Assets 2015: -$1,211,1232015Assets 2016: $2,552,200Liabilities 2016: $888,863Net Assets 2016: $1,663,3372016Assets 2017: $1,716,855Liabilities 2017: $20,255Net Assets 2017: $1,696,6002017Assets 2018: $1,724,876Liabilities 2018: $4,018Net Assets 2018: $1,720,8582018Assets 2019: $0Liabilities 2019: $0Net Assets 2019: $02019

Highlighted filing

2016

Assets$2,552,200
Liabilities$888,863
Net Assets$1,663,337
Open 2016 Filing

Operations Trend

Revenue Growth99th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $778,2342010Revenue 2011: $191,925Expenses 2011: $180,471Net Income 2011: $11,4542011Revenue 2012: $216,248Expenses 2012: $513,348Net Income 2012: -$297,1002012Expenses 2013: $419,8362013Revenue 2014: $163,997Expenses 2014: $771,965Net Income 2014: -$607,9682014Revenue 2015: $262,567Expenses 2015: $309,131Net Income 2015: -$46,5642015Revenue 2016: $3,060,622Expenses 2016: $100,141Net Income 2016: $2,960,4812016Revenue 2017: $74,640Expenses 2017: $41,377Net Income 2017: $33,2632017Revenue 2018: $44,321Expenses 2018: $20,063Net Income 2018: $24,2582018Revenue 2019: $75,771Expenses 2019: $8,593Net Income 2019: $67,1782019

Highlighted filing

2016

Revenue$3,060,622
Expenses$100,141
Net Income$2,960,481
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2015 to Jun 30, 2016
Signed
Jan 18, 2017
Return Version
2015v3.0
Gross Receipts
$3,060,622
Mission and Program Overview

Mission

The organization was established to provide access to mezzanine credit and capital for borrowers or projects that support community development in the city of chattanooga and hamilton county, tennessee, primarily of a capital projects nature.

The organization is a cdfi and, as such, benefits the public as required in its development activities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,379,420$1,363,524▼ $15,896
Cash and Non-Interest-Bearing Accounts$877,127$1,141,212▲ $264,085
Accounts Receivable$149,413$0▼ $149,413
Prepaid Expenses and Deferred Charges$2,837$863▼ $1,974
Total Assets$2,771,898$2,552,200▼ $219,698
Other Assets Total$363,101$46,601▼ $316,500
Liabilities
Mortgage Notes Payable Secured by Investment Property$2,938,979$0▼ $2,938,979
Other Liabilities$1,034,700$879,863▼ $154,837
Accounts Payable and Accrued Expenses$9,342$9,000▼ $342
Total Liabilities$3,983,021$888,863▼ $3,094,158
Net Assets / Fund Balance
Unrestricted Net Assets$-1,211,123$1,663,337▲ $2,874,460
Total Net Assets Fund Balance$-1,211,123$1,663,337▲ $2,874,460
Total Liabilities and Net Assets / Fund Balance$2,771,898$2,552,200▼ $219,698
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Hugh SharberChairman
Kenny DyerDirector
Stephen JohnsonDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$152,229
Investment Income
$0
Other Revenue
$2,908,393
Change in Net Assets
$2,960,481

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,060,622
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$3,060,622
Total Revenue per Form 990
$3,060,622
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$100,141
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$29,109--$29,109
Fees for Services Other$25,000--$25,000
Fees for Services Accounting$9,000--$9,000
Fees for Services Legal$6,686--$6,686
Insurance$737--$737
Other Expenses$437--$437
Total Functional Expenses$100,141$0$0$100,141

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$100,141
Total Expenses per Audited Statements$100,141
Total Expenses per Form 990$100,141
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Related Party$866,974
Escrow Payable$12,889
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11

“A draft version of the form 990 was reviewed by the organization's accounting department prior to filing.”

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

“The organization regularly and consistently monitors and enforces compliance with the conflict of interest policy through annual review and regular communication with the board of directors.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public through the following third party website: http://www.dnb.com/us/.”

Form 990, Part VII

“Hugh sharber - 832 georgia avenue, ste. 1000, volunteer building, chattanooga, tn 37402. Stephen johnson - 975 e. 3rd street suite b-708, chattanooga, tn 37402. Kenny dyer - 801 broad street, chattanooga, tn 37404.”

Filing and Contact Details

Filer

Filer Name
Chattanooga Community Development
EIN
62-1572698
Phone
4237566201
Address
1500 CHESTNUT STREET SUITE 102, CHATTANOOGA, TN 37408

Signing Officer

Name
Martina Guilfoil
Title
CEO
Phone
4237566201
Signed
2017-01-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Martina Guilfoil
Formed
1986
Legal Domicile
Tn
Voting Board Members
3
Independent Board Members
3
Employees
0
Volunteers
0

Preparer

Firm
Novogradac & Company Llp
Address
5 GREAT VALLEY PARKWAY SUITE 319, MALVERN, PA 19355
Preparer
Bentley Stanton
Phone
6102324810
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Outsourced service fees: program service expenses 25,000. Management and general expenses 0. Fundraising expenses 0. Total expenses 25,000.”

FORM 990, PART XI, LINE 9:

“To true up gaap basis capital -86,021.”

Raw XML Appendix378 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.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A DRAFT VERSION OF THE FORM 990 WAS REVIEWED BY THE ORGANIZATION'S ACCOUNTING DEPARTMENT PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION REGULARLY AND CONSISTENTLY MONITORS AND ENFORCES COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY THROUGH ANNUAL REVIEW AND REGULAR COMMUNICATION WITH THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC THROUGH THE FOLLOWING THIRD PARTY WEBSITE: HTTP://WWW.DNB.COM/US/.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3HUGH SHARBER - 832 GEORGIA AVENUE, STE. 1000, VOLUNTEER BUILDING, CHATTANOOGA, TN 37402. STEPHEN JOHNSON - 975 E. 3RD STREET SUITE B-708, CHATTANOOGA, TN 37402. KENNY DYER - 801 BROAD STREET, CHATTANOOGA, TN 37404.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4OUTSOURCED SERVICE FEES: PROGRAM SERVICE EXPENSES 25,000. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 25,000.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5TO TRUE UP GAAP BASIS CAPITAL -86,021.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VII
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XI, LINE 9:
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0CHATTANOOGA NEIGHBORHOOD ENTERPRISE INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0621300726
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)3
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0TN
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0ENCOURAGE HOME OWNERSHIP & REHABILITATION- CLIENTS SERVED - 166
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt07
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt01500 CHESTNUT STREET SUITE 102
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0CHATTANOOGA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0TN
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd037408
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd01
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd01
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt087045
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt127067
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0CHATTANOOGA NEIGHBORHOOD ENTERPRISE INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt1CHATTANOOGA NEIGHBORHOOD ENTERPRISE INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0P
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt1Q
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt02771898
IRS990/TotalAssetsEOYAmt02552200
IRS990/TotalAssetsGrp/BOYAmt02771898
IRS990/TotalAssetsGrp/EOYAmt02552200
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0100141
IRS990/TotalFunctionalExpensesGrp/TotalAmt0100141
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03983021
IRS990/TotalLiabilitiesEOYAmt0888863
IRS990/TotalLiabilitiesGrp/BOYAmt03983021
IRS990/TotalLiabilitiesGrp/EOYAmt0888863
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-1211123
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01663337
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0100141
IRS990/TotalProgramServiceRevenueAmt0152229
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03060622
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03060622
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02771898
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02552200
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0-1211123
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01663337
IRS990/USAddress/AddressLine1Txt01500 CHESTNUT STREET SUITE 102
IRS990/USAddress/CityNm0CHATTANOOGA
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037408
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt03
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MARTINA GUILFOIL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04237566201
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-01-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHATTANOOGA COMMUNITY DEVELOPMENT
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0FINANCIAL INSTITUTION INC
ReturnHeader/Filer/BusinessNameControlTxt0CHAT
ReturnHeader/Filer/EIN0621572698
ReturnHeader/Filer/PhoneNum04237566201
ReturnHeader/Filer/USAddress/AddressLine1Txt01500 CHESTNUT STREET SUITE 102
ReturnHeader/Filer/USAddress/CityNm0CHATTANOOGA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037408
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0943108253
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0NOVOGRADAC & COMPANY LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05 GREAT VALLEY PARKWAY SUITE 319
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MALVERN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd019355
ReturnHeader/PreparerPersonGrp/PhoneNum06102324810
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BENTLEY STANTON
ReturnHeader/ReturnTs02017-01-16T00:00:00-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-07-01
ReturnHeader/TaxPeriodEndDt02016-06-30
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,552,200
Liabilities
$888,863
Net assets
$1,663,337
Revenue
$3,060,622
Expenses
$100,141
Net income
$2,960,481
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.08$0.01$0.07
2018Detailed filing. Detailed filing data is available for this year.$1.72$0.00$1.72$0.04$0.02$0.02
2017Detailed filing. Detailed filing data is available for this year.$1.72$0.02$1.70$0.07$0.04$0.03
2016Detailed filing. Detailed filing data is available for this year.$2.55$0.89$1.66$3.06$0.10$2.96
2015Detailed filing. Detailed filing data is available for this year.$2.77$3.98$1.21$0.26$0.31$0.05
2014Detailed filing. Detailed filing data is available for this year.$2.56$4.27$1.71$0.16$0.77$0.61
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.58$4.51$0.93$0.42
2012Summary only. Only limited summary data is available for this year.$3.87$4.30$0.43$0.22$0.51$0.30
2011Summary only. Only limited summary data is available for this year.$4.82$3.53$1.29$0.19$0.18$0.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.07$3.79$1.27$0.78