Civic Intelligence

Housing Opportunities Collaborative

EIN 87-0798977 • 501(c)3 • Washington, DC

Profile

To promote equal access to housing for all persons in the region, especially low income and underprivileged individuals and families, by educating the public concerning home ownership and landlord-tenant rights and responsibilities, seeking financial and capacity building resources, providing financial and other resources, monitoring compliance with housing related laws, and conducting related activities.

712 H St NW STE 725Washington, DC 20002-3627

www.housingcollaborative.org

Siviq Scores

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

Liabilities / Assets

31st percentile

0.01x

Higher debt load relative to assets than 31% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2023

Liabilities / Revenue

29th percentile

0.01x

Higher debt load relative to revenue than 29% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2023

Net Margin

85th percentile

38%

Higher net margin than 85% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

88th percentile

$183,163

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 17.8% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2023

Asset Growth

90th percentile

50%

Faster asset growth than 90% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

26th percentile

-7.2%

Faster revenue growth than 26% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets31st percentile

Assets

Up

$1,198,833

Up $397,400 (+50%) from 2022

Liabilities

Up

$9,244

Up $2,704 (+41%) from 2022

Net Assets

Up

$1,189,589

Up $394,696 (+50%) from 2022

Operations
Liabilities / Revenue29th percentileNet Margin85th percentile

Revenue

Down

$1,026,842

Down $79,790 (-7.2%) from 2022

Expenses

Up

$631,546

Up $184,327 (+41%) from 2022

Net Income

Down

$395,296

Down $264,117 (-40%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth90th percentile

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

$1.5M$1.0M$500K$0Assets 2010: $359,914Liabilities 2010: $36,985Net Assets 2010: $322,9292010Assets 2011: $340,953Liabilities 2011: $50,599Net Assets 2011: $290,3542011Assets 2012: $725,111Liabilities 2012: $72,760Net Assets 2012: $652,3512012Assets 2013: $520,588Liabilities 2013: $74,064Net Assets 2013: $446,5242013Assets 2014: $390,539Liabilities 2014: $50,217Net Assets 2014: $340,3222014Assets 2015: $399,002Liabilities 2015: $79,006Net Assets 2015: $319,9962015Assets 2016: $456,695Liabilities 2016: $43,940Net Assets 2016: $412,7552016Assets 2017: $323,199Liabilities 2017: $28,738Net Assets 2017: $294,4612017Assets 2018: $121,067Liabilities 2018: $17,011Net Assets 2018: $104,0562018Assets 2019: $136,346Liabilities 2019: $33,299Net Assets 2019: $103,0472019Assets 2020: $24,136Liabilities 2020: $448Net Assets 2020: $23,6882020Assets 2021: $137,936Liabilities 2021: $2,456Net Assets 2021: $135,4802021Assets 2022: $801,433Liabilities 2022: $6,540Net Assets 2022: $794,8932022Assets 2023: $1,198,833Liabilities 2023: $9,244Net Assets 2023: $1,189,5892023

Highlighted filing

2023

Assets$1,198,833
Liabilities$9,244
Net Assets$1,189,589
Open 2023 Filing

Operations Trend

Revenue Growth26th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2010: $621,307Expenses 2010: $508,558Net Income 2010: $112,7492010Expenses 2011: $597,8112011Expenses 2012: $722,3592012Revenue 2013: $620,513Expenses 2013: $826,340Net Income 2013: -$205,8272013Revenue 2014: $745,537Expenses 2014: $851,739Net Income 2014: -$106,2022014Revenue 2015: $797,721Expenses 2015: $818,047Net Income 2015: -$20,3262015Revenue 2016: $765,087Expenses 2016: $672,328Net Income 2016: $92,7592016Revenue 2017: $383,840Expenses 2017: $502,134Net Income 2017: -$118,2942017Revenue 2018: $160,805Expenses 2018: $351,210Net Income 2018: -$190,4052018Revenue 2019: $291,815Expenses 2019: $292,825Net Income 2019: -$1,0102019Revenue 2020: $305,114Expenses 2020: $384,473Net Income 2020: -$79,3592020Revenue 2021: $530,051Expenses 2021: $418,259Net Income 2021: $111,7922021Revenue 2022: $1,106,632Expenses 2022: $447,219Net Income 2022: $659,4132022Revenue 2023: $1,026,842Expenses 2023: $631,546Net Income 2023: $395,2962023

Highlighted filing

2023

Revenue$1,026,842
Expenses$631,546
Net Income$395,296
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,198,833
Liabilities
$9,244
Net assets
$1,189,589
Revenue
$1,026,842
Expenses
$631,546
Net income
$395,296
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.20$0.01$1.19$1.03$0.63$0.40
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.80$0.01$0.79$1.11$0.45$0.66
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.14$0.00$0.14$0.53$0.42$0.11
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.02$0.00$0.02$0.31$0.38$0.08
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.14$0.03$0.10$0.29$0.29$0.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.12$0.02$0.10$0.16$0.35$0.19
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.32$0.03$0.29$0.38$0.50$0.12
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.46$0.04$0.41$0.77$0.67$0.09
2015Detailed filing. Detailed filing data is available for this year.$0.40$0.08$0.32$0.80$0.82$0.02
2014Detailed filing. Detailed filing data is available for this year.$0.39$0.05$0.34$0.75$0.85$0.11
2013Detailed filing. Detailed filing data is available for this year.$0.52$0.07$0.45$0.62$0.83$0.21
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.73$0.07$0.65$0.72
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.34$0.05$0.29$0.60
2010Summary only. Only limited summary data is available for this year.$0.36$0.04$0.32$0.62$0.51$0.11
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 14, 2024
Return Version
2023v6.0
Gross Receipts
$1,026,842
Mission and Program Overview

Mission

Build equitable access to homeownership for Americas underserved communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$293,578$529,456▲ $235,878
Cash and Non-Interest-Bearing Accounts$392,307$502,430▲ $110,123
Other Notes and Loans Receivable, Net$114,146$166,947▲ $52,801
Prepaid Expenses and Deferred Charges$1,402--
Total Assets$801,433$1,198,833▲ $397,400
Liabilities
Accounts Payable and Accrued Expenses$6,540$9,244▲ $2,704
Total Liabilities$6,540$9,244▲ $2,704
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$183,535$1,189,589▲ $1,006,054
Net Assets With Donor Restrictions$611,358--
Total Net Assets Fund Balance$794,893$1,189,589▲ $394,696
Total Liabilities and Net Assets / Fund Balance$801,433$1,198,833▲ $397,400
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Gabriel Ewing del RIo IIIPresident and CEOFT$183,163$183,163

Board Members and Trustees

NameTitle
Francis BaffourDirector
Maureen SchimmelDirector
Sara MorganDirector
Steve OConnorDirector
Yamila AyadSecretary
Clemente MojicaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$180,000
Program Service Revenue
$823,600
Investment Income
$23,242
Other Revenue
$0
All Other Contributions
$180,000
Change in Net Assets
$395,296

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,026,842
Total Revenue per Audited Statements
$1,026,842
Total Revenue per Form 990
$1,026,842
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$428,395
Other Expenses$203,151
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$179,415$17,252-$196,667
Current Officers, Directors, Trustees, and Key Employees$109,898$73,265-$183,163
Travel$47,361$10,803-$58,164
Office Expenses$11,877$22,935-$34,812
Advertising$30,547$248-$30,795
Payroll Taxes$23,902$6,434-$30,336
Fees for Services Management$30,141--$30,141
Fees for Services Accounting$5,200$13,950-$19,150
Other Employee Benefits-$18,229-$18,229
Conferences and Meetings$15,016$1,512-$16,528
Insurance-$5,676-$5,676
Other Expenses$45$1,535-$1,580
Fees for Services Legal-$1,545-$1,545
Information Technology-$1,005-$1,005
Occupancy-$858-$858
Fees for Services Other-$850-$850
Total Functional Expenses$455,146$176,400$0$631,546

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$632,147
Expenses per Audited Statements$631,546
Total Expenses per Form 990$631,546
Expenses Not Reported on Form 990$601
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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Jeff Ewing del RioSpouse of CEOMonthly Accounting and FinanceNo$15,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
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 governing body review Part VI line 11

“Board reviewed 990 before submittal.”

Conflict of interest policy compliance Part VI line 12C

“Board of directors declares any conflict of interests annually.”

CEO executive director top management comp Part VI line 15A

“Board of Directors review and approve executive compensation.”

Governing documents etc available to public Part VI line 19

“No other documents available to the public”

Filing and Contact Details

Filer

Filer Name
Homeownership Council of America
EIN
87-0798977
Address
712 H St NW STE 725, Washington, DC 20002-3627

Signing Officer

Name
Gabriel Ewing del Rio
Title
Chief Executive
Phone
8002752209
Signed
2024-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gabriel Ewing del RIo III
Formed
2006
Legal Domicile
CA
Voting Board Members
6
Independent Board Members
5
Employees
6
Volunteers
12

Preparer

Firm
The Numbers CPA-Jeff Ewing del Rio
Address
PO Box 1285, Southwest Harbor, ME 04679
Preparer
Jeff Ewing del Rio
Phone
8044365454
Supplemental Narrative

Additional Explanations

Amended return information

“Added Employee Retention Credit. Updated Net Assets from prior year ERC”

Significant program services not listed on prior year return Part III line 2

“Equity Down Payment Assistance / Special Purpose Credit Program: Supporting LMI and BIPOC first time homebuyers with forgivable loans.”

Raw XML AppendixShowing 400 of 416 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/ProgSrvcAccomActy3Grp/Desc0Lender Services: HCAs team of experienced, NMLS licensed Underwriters work with mission-based organizations, nonprofit lenders, and community development financial institutions (CDFIs) to ensure them the highest quality of mortgage underwriting and down payment assistance delivery.
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Gabriel Ewing del RIo III
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Added Employee Retention Credit. Updated Net Assets from prior year ERC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board reviewed 990 before submittal.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Board of directors declares any conflict of interests annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Board of Directors review and approve executive compensation.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4No other documents available to the public
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Equity Down Payment Assistance / Special Purpose Credit Program: Supporting LMI and BIPOC first time homebuyers with forgivable loans.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Amended return information
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3CEO executive director top management comp Part VI line 15a
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IRS990/WebsiteAddressTxt0www.homeownershipcouncil.org
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Gabriel Ewing del Rio
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Chief Executive
ReturnHeader/BusinessOfficerGrp/PhoneNum08002752209
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Homeownership Council of America
ReturnHeader/Filer/BusinessNameControlTxt0HOME
ReturnHeader/Filer/EIN0870798977
ReturnHeader/Filer/USAddress/AddressLine1Txt0712 H St NW STE 725
ReturnHeader/Filer/USAddress/CityNm0Washington
ReturnHeader/Filer/USAddress/StateAbbreviationCd0DC

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