Civic Intelligence

Big Sky Community Housing Trust

EIN 84-3391892 • 501(c)3 • Big Sky, MT

Profile

The mission of bscht is to enhance the availability of housing to support the local workforce and economy. Bscht helped with construction & hoa management of meadowview, a deed restricted condominium development for local workers. We provided down payment assistance loans. Bscht also works to increase affordable rental opportunities for the community's workforce, increase supply, provide minor property management support, and educate the community regarding rental options.

PO Box 160164Big Sky, MT 59716

www.bigskyhousingtrust.com

Siviq Scores

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

Liabilities / Assets

21st percentile

0.01x

Higher debt load relative to assets than 21% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

20th percentile

0.02x

Higher debt load relative to revenue than 20% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Net Margin

87th percentile

45%

Higher net margin than 87% of similar nonprofits.

501(c)3 • $5M-$10M 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

83rd percentile

26%

Faster asset growth than 83% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

89th percentile

62%

Faster revenue growth than 89% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets21st percentile

Assets

Up

$8,555,714

Up $1,768,743 (+26%) from 2023

Liabilities

Down

$97,409

Down $47,273 (-33%) from 2023

Net Assets

Up

$8,458,305

Up $1,816,016 (+27%) from 2023

Operations
Liabilities / Revenue20th percentileNet Margin87th percentile

Revenue

Up

$4,011,488

Up $1,535,934 (+62%) from 2023

Expenses

Up

$2,195,472

Up $975,546 (+80%) from 2023

Net Income

Up

$1,816,016

Up $560,388 (+45%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth83rd percentile

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

$10M$5.0M$0Assets 2020: $261,116Liabilities 2020: $4,250Net Assets 2020: $256,8662020Assets 2021: $972,302Liabilities 2021: $11,838Net Assets 2021: $960,4642021Assets 2022: $5,363,358Liabilities 2022: $60,381Net Assets 2022: $5,302,9772022Assets 2023: $6,786,971Liabilities 2023: $144,682Net Assets 2023: $6,642,2892023Assets 2024: $8,555,714Liabilities 2024: $97,409Net Assets 2024: $8,458,3052024

Highlighted filing

2024

Assets$8,555,714
Liabilities$97,409
Net Assets$8,458,305
Open 2024 Filing

Operations Trend

Revenue Growth89th percentile

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

$6.0M$4.0M$2.0M$0Revenue 2020: $341,761Expenses 2020: $84,895Net Income 2020: $256,8662020Revenue 2021: $1,002,334Expenses 2021: $298,736Net Income 2021: $703,5982021Revenue 2022: $5,878,436Expenses 2022: $1,532,447Net Income 2022: $4,345,9892022Revenue 2023: $2,475,554Expenses 2023: $1,219,926Net Income 2023: $1,255,6282023Revenue 2024: $4,011,488Expenses 2024: $2,195,472Net Income 2024: $1,816,0162024

Highlighted filing

2024

Revenue$4,011,488
Expenses$2,195,472
Net Income$1,816,016
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,555,714
Liabilities
$97,409
Net assets
$8,458,305
Revenue
$4,011,488
Expenses
$2,195,472
Net income
$1,816,016
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$8.56$0.10$8.46$4.01$2.20$1.82
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.79$0.14$6.64$2.48$1.22$1.26
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.36$0.06$5.30$5.88$1.53$4.35
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.97$0.01$0.96$1.00$0.30$0.70
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.26$0.00$0.26$0.34$0.08$0.26
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$4,023,043
Mission and Program Overview

Mission

The Mission of BSCHT is to enhance the availability of housing to support the local workforce and economy. BSCHT helped with construction & HOA Mgmt of MeadowView, a deed restricted condominium development for local workers. We provide Down Payment Assistance loans. BSCHT also works to increase affordable rental opportunities for the community's workforce, increasing supply, providing minor property management support, and educating the community regarding rental options.

Create affordable housing units for local workforce.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$3,301,994$3,301,994→ $0
Other Notes and Loans Receivable, Net$2,379,150$2,443,921▲ $64,771
Cash and Non-Interest-Bearing Accounts$914,693$1,007,215▲ $92,522
Investments Program Related-$813,010-
Pledges and Grants Receivable$98,276$28,026▼ $70,250
Prepaid Expenses and Deferred Charges$74,823$12,896▼ $61,927
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$6,786,971$8,555,714▲ $1,768,743
Other Assets Total$18,035$948,652▲ $930,617
Liabilities
Other Liabilities$126,429$86,176▼ $40,253
Accounts Payable and Accrued Expenses$18,253$11,233▼ $7,020
Total Liabilities$144,682$97,409▼ $47,273
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$5,435,630$6,590,656▲ $1,155,026
Net Assets With Donor Restrictions$1,206,659$1,867,649▲ $660,990
Total Net Assets Fund Balance$6,642,289$8,458,305▲ $1,816,016
Total Liabilities and Net Assets / Fund Balance$6,786,971$8,555,714▲ $1,768,743

Asset Categories

AssetBook ValueDepreciationBasis
Land$3,301,994-$3,301,994
Other Assets Org$31,783--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
DAVID O'CONNORExecutive DirectorFT$127,255$6,250$133,505

Board Members and Trustees

NameTitle
David BrownChair
Rick SimkinsVice Chair
Brad NivaDirector
Cryder BancroftDirector
Kenny HoltzDirector
Mark DeanDirector
Mia LennonDirector
Michelle FrederickDirector
Shannon SearsDirector
Lindsey PutnamSecretary
Stephen BrownTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$3,706,636
Program Service Revenue
$254,083
Investment Income
$50,909
Other Revenue
$-140
All Other Contributions
$1,854,699
Change in Net Assets
$1,816,016

Noncash Contribution Practices

Property subject to holding requirements
No
Reviewed unusual noncash gifts
No
Third parties used for noncash contributions
No

Noncash Contributions

Contribution TypeContribution CountReported AmountValuation Method
Real Estate Residential1$291,709Appraisal
Total Noncash Contributions1$291,709-

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,011,542
Revenue Not Reported on Financial Statements
$-54
Revenue Not Reported on Form 990
$79,352
Other Revenue Adjustments
$-54
Total Revenue per Audited Statements
$4,090,894
Total Revenue per Form 990
$4,011,488
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,871,099
Salaries, Compensation, and Employee Benefits$324,373
Total Fundraising Expense$35,737
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$94,038$52,121$14,752$160,911
Current Officers, Directors, Trustees, and Key Employees$67,414$50,956$15,135$133,505
Fees for Services Other$19,715$30,889$58$50,662
Payroll Taxes$12,177$10,074$2,256$24,507
Information Technology-$14,227-$14,227
All Other Expenses$1,541$4,314$2,904$8,759
Insurance$3,822$3,662-$7,484
Other Expenses$91,896$7,318-$7,318
Occupancy-$5,592-$5,592
Other Employee Benefits$3,411$1,407$632$5,450
Advertising-$4,273-$4,273
Travel-$2,009-$2,009
Total Functional Expenses$1,967,613$192,122$35,737$2,195,472

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$2,207,028
Expenses per Audited Statements$2,195,472
Total Expenses per Form 990$2,195,472
Expenses Not Reported on Form 990$11,556
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$11,555
Fundraising Gross Income$11,415
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Fundraising Event$27,559$11,415$11,555$-140
Total Events$27,559$11,415$11,555$-140
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
Rewards Payable$84,001
Security Deposits$2,175
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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

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

“Form 990 is reviewed closely by the board treasurer and emailed to all other board directors for their feedback.”

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

“At the beginning of every board meeting, all directors are asked to reveal any conflicts of interest relating to that meeting's agenda. This is documented in the meeting minutes.”

Form 990, Part VI, Section B, Line 15B

“Compensation for the executive director is set by the board governance committee and based on comparable salaries in the area.”

Form 990, Part VI, Section C, Line 19

“AVAILABLE UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Big Sky Community Housing Trust
EIN
84-3391892
Phone
4069953696
Address
PO BOX 160164, BIG SKY, MT 59716

Signing Officer

Name
DAVID O'CONNOR
Title
Executive Director
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
DAVID O'CONNOR
Formed
2019
Legal Domicile
Mt
Voting Board Members
11
Independent Board Members
11
Employees
4
Volunteers
20

Preparer

Firm
Rudd & Company PLLC
Address
3805 Valley Commons Dr Ste 7, Bozeman, MT 59718
Preparer
Julie Kostelecky CPA
Phone
4065853393
Supplemental Narrative

Additional Explanations

Accounting method used to prepare the Form 990

“The organization is using the accrual method to report this year and has marked Cash as the method in years past.”

Financial Statement Notes

Part XI, Line 2D: Other revenue amounts included in F/S but not included on form 990

“INTEREST INCOME ON GROUND LEASE $67796 Direct Fundraising Expenses $11556”

Part XII, Line 2D: Other expenses and losses per audited F/S

“Direct Fundraising Expenses $11556”

Raw XML AppendixShowing 400 of 598 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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IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
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IRS990/MissionDesc0THE MISSION OF BSCHT IS TO ENHANCE THE AVAILABILITY OF HOUSING TO SUPPORT THE LOCAL WORKFORCE AND ECONOMY. BSCHT HELPED WITH CONSTRUCTION & HOA MANAGEMENT OF MEADOWVIEW, A DEED RESTRICTED CONDOMINIUM DEVELOPMENT FOR LOCAL WORKERS. WE PROVIDED DOWN PAYMENT ASSISTANCE LOANS. BSCHT ALSO WORKS TO INCREASE AFFORDABLE RENTAL OPPORTUNITIES FOR THE COMMUNITY'S WORKFORCE, INCREASE SUPPLY, PROVIDE MINOR PROPERTY MANAGEMENT SUPPORT, AND EDUCATE THE COMMUNITY REGARDING RENTAL OPTIONS.
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IRS990/OtherExpensesGrp/Desc0DEED RESTRICTION PURCHASE
IRS990/OtherExpensesGrp/Desc1RENT LOCAL PROGRAM EXPENSES
IRS990/OtherExpensesGrp/Desc2Property Management Expenses
IRS990/OtherExpensesGrp/Desc3PROFESSIONAL DEVELOPMENT
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IRS990/PrincipalOfficerNm0DAVID O'CONNOR
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IRS990/ProgramServiceRevenueGrp/Desc0DPA LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1MANAGEMENT SERVICES
IRS990/ProgramServiceRevenueGrp/Desc2PROPERTY MANAGEMENT
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE RENT LOCAL PROGRAM offers cash incentives to property owners in exchange forremoving their property from the short-term vacation rental pool and making it available for long-term residential lease to the local workforce. A maximum rent cap, verification of qualified resident, and minimum one-year lease is required by the program. The maximum incentive a property owner may receive is two years. As of December 2024, the program has enlisted 137 properties to house 344 local workforce tenants.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0577064
IRS990/ProgSrvcAccomActy3Grp/Desc0TRIPLE CREEK DEVELOPMENT makes two 3-bedroom single family homes available to theHousing Trust at a minimal cost, for long-term lease to income-qualified (140% AMI) local work force, with rent set at 30% of tenants household income. Net proceeds from the rentals are donated unrestricted to the Housing Trust.
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IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0118454
IRS990/ProgSrvcAccomActyOtherGrp/Desc0THE DOWN PAYMENT ASSISTANCE LOAN/MEADOWVIEW TOWNHOMES PROGRAM offers zero-interest loans to buyers of income-qualified (150% AMI), deed-restricted residences inthe Meadowview development for down payment and associated closing costs. All loansare repaid to BSCHT in full upon sale, to be used to facilitate purchases by subsequent buyers.The Meadowview development includes 52 1- and 2-bedroom deed-restricted,appreciation-capped townhomes for purchase by income qualified (150% AMI) localworkforce. BSCHT retains ownership of the underlying land as a community land trust and ensures homeowner qualification and permanent affordability via ground lease. Resales are managed by BSCHT. In 2024, eight Meadowview homes resold to other income-qualified buyers.
IRS990/ProgSrvcAccomActyOtherGrp/Desc1THE RIVERVIEW APARTMENTS PROGRAM involves the development of two apartmentbuildings for a total of 25 1-, 2-, and 3-bedroom apartments. The development was primarily funded with the federal Low Income Housing Tax Credit (LIHTC) program and is operated under that programs rules. Apartments are available to income-qualified (60% AMI) families and individuals, with rental rates set at 30% of tenants household income. The buildings opened for occupancy in September of 2024.
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