Civic Intelligence

Northwest Michigan Rural Housing

EIN 83-3499967 • 501(c)3 • Traverse City, MI

Profile

To help provide safe, accessible, and affordable housing in Northwest Michigan.

PO Box 1434Traverse City, MI 49685

www.housingnorth.org

Siviq Scores

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

Liabilities / Assets

71st percentile

0.14x

Higher debt load relative to assets than 71% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

70th percentile

0.10x

Higher debt load relative to revenue than 70% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Net Margin

66th percentile

13%

Higher net margin than 66% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

78th percentile

$76,916

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 8.7% of source-year revenue.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Asset Growth

47th percentile

1.8%

Faster asset growth than 47% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

75th percentile

33%

Faster revenue growth than 75% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$657,898

Up $11,749 (+1.8%) from 2023

Liabilities

Down

$90,604

Down $106,222 (-54%) from 2023

Net Assets

Up

$567,294

Up $117,971 (+26%) from 2023

Operations
Liabilities / Revenue70th percentileNet Margin66th percentile

Revenue

Up

$880,132

Up $218,077 (+33%) from 2023

Expenses

Up

$762,161

Up $139,915 (+22%) from 2023

Net Income

Up

$117,971

Up $78,162 (+196%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth47th percentile

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

$800K$600K$400K$200K$0Assets 2020: $595,988Liabilities 2020: $20,168Net Assets 2020: $575,8202020Assets 2021: $435,148Liabilities 2021: $11,615Net Assets 2021: $423,5332021Assets 2022: $515,103Liabilities 2022: $105,589Net Assets 2022: $409,5142022Assets 2023: $646,149Liabilities 2023: $196,826Net Assets 2023: $449,3232023Assets 2024: $657,898Liabilities 2024: $90,604Net Assets 2024: $567,2942024

Highlighted filing

2024

Assets$657,898
Liabilities$90,604
Net Assets$567,294
Open 2024 Filing

Operations Trend

Revenue Growth75th percentile

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

$1.0M$500K$0-$500KRevenue 2020: $823,756Expenses 2020: $247,936Net Income 2020: $575,8202020Revenue 2021: $153,727Expenses 2021: $306,014Net Income 2021: -$152,2872021Revenue 2022: $500,394Expenses 2022: $514,413Net Income 2022: -$14,0192022Revenue 2023: $662,055Expenses 2023: $622,246Net Income 2023: $39,8092023Revenue 2024: $880,132Expenses 2024: $762,161Net Income 2024: $117,9712024

Highlighted filing

2024

Revenue$880,132
Expenses$762,161
Net Income$117,971
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$657,898
Liabilities
$90,604
Net assets
$567,294
Revenue
$880,132
Expenses
$762,161
Net income
$117,971
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.58$0.91$5.67$8.80$7.62$1.18
2023Detailed filing. Detailed filing data is available for this year.$6.46$1.97$4.49$6.62$6.22$0.40
2022Detailed filing. Detailed filing data is available for this year.$5.15$1.06$4.10$5.00$5.14$0.14
2021Detailed filing. Detailed filing data is available for this year.$4.35$0.12$4.24$1.54$3.06$1.52
2020Detailed filing. Detailed filing data is available for this year.$5.96$0.20$5.76$8.24$2.48$5.76
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 13, 2025
Return Version
2024v5.2
Gross Receipts
$926,471
Mission and Program Overview

Mission

To help provide safe, accessible, and affordable housing in Northwest Michigan.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$105,295$262,716▲ $157,421
Other Notes and Loans Receivable, Net$190,000$160,000▼ $30,000
Accounts Receivable$17,203$109,455▲ $92,252
Cash and Non-Interest-Bearing Accounts$270,261$99,696▼ $170,565
Pledges and Grants Receivable$35,000$0▼ $35,000
Prepaid Expenses and Deferred Charges$2,250$0▼ $2,250
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$646,149$657,898▲ $11,749
Other Assets Total$26,140$26,031▼ $109
Liabilities
Accounts Payable and Accrued Expenses$18,675$62,478▲ $43,803
Deferred Revenue$168,612$16,667▼ $151,945
Other Liabilities$9,539$11,459▲ $1,920
Total Liabilities$196,826$90,604▼ $106,222
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$317,124$372,335▲ $55,211
Net Assets With Donor Restrictions$132,199$194,959▲ $62,760
Total Net Assets Fund Balance$449,323$567,294▲ $117,971
Total Liabilities and Net Assets / Fund Balance$646,149$657,898▲ $11,749
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Yarrow BrownExecutive DirectorFT$76,916$76,916

Board Members and Trustees

NameTitle
Carlin SmithPast President
Josh MillsPresident
Sarah Van HornVice President
Ashley Halladay-SchmandtDirector
Carrie VandermolenDirector
Cash CookDirector
Craig ArdisDirector
Lindsey BurDirector
Sharon OrielSecretary
Janet KochTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$838,254
Program Service Revenue
$0
Investment Income
$6,843
Other Revenue
$35,035
All Other Contributions
$344,328
Change in Net Assets
$117,971

Audited Revenue Reconciliation

Revenue per Audited Statements
$880,132
Total Revenue per Audited Statements
$880,132
Total Revenue per Form 990
$880,132
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$390,512
Salaries, Compensation, and Employee Benefits$371,649
Total Fundraising Expense$37,109
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$317,054$2,034-$319,088
Other Salaries and Wages$181,917$17,629$17,629$217,175
Current Officers, Directors, Trustees, and Key Employees$61,532$7,692$7,692$76,916
Other Employee Benefits$39,839$4,320$3,840$47,999
Payroll Taxes$18,328$1,987$1,767$22,082
Fees for Services Accounting$4,171$9,044$4,171$17,386
Travel$5,864$8,876-$14,740
Occupancy$6,204$776$776$7,756
Pension Plan Contributions$6,206$673$598$7,477
Depreciation Depletion$6,981--$6,981
Other Expenses$1,050$2,298$150$3,498
Fees for Services Legal$1,458$1,478-$2,936
Insurance$1,870$234$234$2,338
Total Functional Expenses$657,322$67,730$37,109$762,161

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$762,161
Total Expenses per Audited Statements$762,161
Total Expenses per Form 990$762,161
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$81,374
Fundraising Direct Expenses$46,339
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Housing Summit$81,374$81,374$46,339$35,035
Total Events$81,374$81,374$46,339$35,035
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-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Liability$8,459
Compensated absences$3,000
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
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 11B

“The Form 990 is reviewed by the Executive Director and the Board.”

Form 990, Part VI, Section C, Line 19

“The Organization makes these documents available to public upon request.”

Filing and Contact Details

Filer

Filer Name
Northwest Michigan Rural Housing
EIN
83-3499967
Phone
2313351685
Address
PO Box 1434, Traverse City, MI 49685

Signing Officer

Name
Yarrow Brown
Title
Executive Director
Signed
2025-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Yarrow Brown
Legal Domicile
Mi
Voting Board Members
10
Independent Board Members
10
Employees
8

Preparer

Firm
Kammermann & Bascom Pc
Address
110 PARK AVENUE, CHARLEVOIX, MI 49720
Preparer
Corey R Bascom
Phone
2315474911
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IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0317124
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0372335
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IRS990/OfficeExpensesGrp/TotalAmt00
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IRS990/Organization501c3Ind0X
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IRS990/OtherAssetsTotalGrp/BOYAmt026140
IRS990/OtherAssetsTotalGrp/EOYAmt026031
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt03840
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt04320
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt039839
IRS990/OtherEmployeeBenefitsGrp/TotalAmt047999
IRS990/OtherExpensesGrp/Desc0Printing and Publications
IRS990/OtherExpensesGrp/Desc1Supplies
IRS990/OtherExpensesGrp/Desc2Website
IRS990/OtherExpensesGrp/Desc3Telephone
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IRS990/OtherExpensesGrp/FundraisingAmt1150
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt04049
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt22756
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt32298
IRS990/OtherExpensesGrp/ProgramServicesAmt02664
IRS990/OtherExpensesGrp/ProgramServicesAmt1749
IRS990/OtherExpensesGrp/ProgramServicesAmt21435
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IRS990/OtherExpensesGrp/TotalAmt14633
IRS990/OtherExpensesGrp/TotalAmt24443
IRS990/OtherExpensesGrp/TotalAmt33498
IRS990/OtherLiabilitiesGrp/BOYAmt09539
IRS990/OtherLiabilitiesGrp/EOYAmt011459
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IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt017629
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0181917
IRS990/OtherSalariesAndWagesGrp/TotalAmt0217175
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0160000
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IRS990/PayrollTaxesGrp/FundraisingAmt01767
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IRS990/PayrollTaxesGrp/ProgramServicesAmt018328
IRS990/PayrollTaxesGrp/TotalAmt022082
IRS990/PensionPlanContributionsGrp/FundraisingAmt0598
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0673
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IRS990/PensionPlanContributionsGrp/TotalAmt07477
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt035000
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IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/ExpensesSubtotalAmt0762161
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt18459
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Compensated absences
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IRS990ScheduleD/TotalRevenuePerForm990Amt0880132
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0880132
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