Civic Intelligence

Orange County Business Development Corp

990EZ • Fiscal year 2018 • EIN 90-0249263

May 01, 2017 to Apr 30, 2018 • Filed on Jul 17, 2018

Organization ProfileN/A
40 Matthews Street Suite 104Goshen, NY 10924

(845) 294-1700

Siviq Scores

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

Liabilities / Assets

96th percentile

0.90x

Higher debt load relative to assets than 96% of similar nonprofits.

2018 filings • 501(c)6 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

100th percentile

24.82x

Higher debt load relative to revenue than 100% of similar nonprofits.

2018 filings • 501(c)6 • <$500k nonprofits • Source year 2018

Net Margin

8th percentile

-32%

Higher net margin than 8% of similar nonprofits.

2018 filings • 501(c)6 • <$500k nonprofits • Source year 2018

Top Officer Pay

70th percentile

$0

Higher top officer pay than 70% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2018 filings • 501(c)6 • <$500k nonprofits • Source year 2018

Asset Growth

54th percentile

4.0%

Faster asset growth than 54% of similar nonprofits.

2018 filings • 501(c)6 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

100th percentile

865%

Faster revenue growth than 100% of similar nonprofits.

2018 filings • 501(c)6 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets96th percentile

Assets

Up

$310,448

Up $11,888 (+4.0%) from 2017

Net Assets

Down

$31,642

Down $3,598 (-10%) from 2017

Liabilities

Up

$278,806

Up $15,486 (+5.9%) from 2017

Revenue And Expenses
Liabilities / Revenue100th percentileNet Margin8th percentile

Revenue

Up

$11,235

Up $10,071 (+865%) from 2017

Expenses

Up

$14,833

Up $10,503 (+243%) from 2017

Net Income

Down

-$3,598

Down $432 (-14%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth54th percentile

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

$600K$400K$200K$0-$200KAssets 2010: $270,724Liabilities 2010: $221,525Net Assets 2010: $49,1992010Assets 2011: $457,939Liabilities 2011: $417,261Net Assets 2011: $40,6782011Assets 2012: $495,961Liabilities 2012: $453,981Net Assets 2012: $41,9802012Assets 2013: $418,772Liabilities 2013: $377,186Net Assets 2013: $41,5862013Assets 2014: $409,171Liabilities 2014: $373,016Net Assets 2014: $36,1552014Assets 2015: $376,605Liabilities 2015: $349,458Net Assets 2015: $27,1472015Assets 2016: $306,393Liabilities 2016: $249,392Net Assets 2016: $57,0012016Assets 2017: $298,560Liabilities 2017: $263,320Net Assets 2017: $35,2402017Assets 2018: $310,448Liabilities 2018: $278,806Net Assets 2018: $31,6422018Assets 2019: $307,944Liabilities 2019: $278,806Net Assets 2019: $29,1382019Assets 2020: $307,458Liabilities 2020: $278,806Net Assets 2020: $28,6522020Assets 2021: $276,586Liabilities 2021: $278,806Net Assets 2021: -$2,2202021Assets 2022: $275,672Liabilities 2022: $278,806Net Assets 2022: -$3,1342022

Highlighted filing

2018

Assets$310,448
Liabilities$278,806
Net Assets$31,642
Open 2018 Filing

Operations Trend

Revenue Growth100th percentile

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

$100K$50K$0-$50KRevenue 2010: $11,014Expenses 2010: $5,550Net Income 2010: $5,4642010Revenue 2011: $17,526Expenses 2011: $26,047Net Income 2011: -$8,5212011Revenue 2012: $11,774Expenses 2012: $10,472Net Income 2012: $1,3022012Revenue 2013: $10,077Expenses 2013: $10,471Net Income 2013: -$3942013Revenue 2014: $7,010Expenses 2014: $12,441Net Income 2014: -$5,4312014Revenue 2015: $71,473Expenses 2015: $80,481Net Income 2015: -$9,0082015Revenue 2016: $41,374Expenses 2016: $11,520Net Income 2016: $29,8542016Revenue 2017: $1,164Expenses 2017: $4,330Net Income 2017: -$3,1662017Revenue 2018: $11,235Expenses 2018: $14,833Net Income 2018: -$3,5982018Revenue 2019: $313Expenses 2019: $2,817Net Income 2019: -$2,5042019Revenue 2020: $433Expenses 2020: $918Net Income 2020: -$4852020Revenue 2021: $222Expenses 2021: $31,094Net Income 2021: -$30,8722021Revenue 2022: $4Expenses 2022: $918Net Income 2022: -$9142022

Highlighted filing

2018

Revenue$11,235
Expenses$14,833
Net Income-$3,598
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
May 1, 2017 to Apr 30, 2018
Signed
Jul 17, 2018
Return Version
2017v2.3
Gross Receipts
$11,235
Mission and Program Overview

Mission

Provide low cost loans to small businesses.

Program Services

DescriptionGrantsExpenses
PROVIDE LOW COST LOANS TO SMALL BUSINESSES.--
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
LYNN ALLEN CIONEPresidentPT$0--
RALPH MARTUCCITreasurer-$0--
BRIAN RATYNSKISecretary-$0--
CYNTHIA CLUNEVice Preside-$0--
CHARLIE MILICHBoard Member-$0--
THOMAS SULLIVANBoard Member-$0--
JOHN MCDERMOTTBoard Member-$0--
ED DEVITTBoard Member-$0--
MICHAEL GITTELSOHNBoard Member-$0--
JAMES WRIGHTBoard Member-$0--
Filing and Contact Details

Filer

Filer Name
Orange County Business
EIN
90-0249263
Phone
8452941700
Address
40 MATTHEWS STREET SUITE 104, GOSHEN, NY 10924

Signing Officer

Name
Lynn Allen Cione
Title
President
Phone
8452941700
Signed
2018-07-17
Discuss with paid preparer
Yes

Preparer

Firm
Day Seckler Llp
Address
300 WESTAGE BUSINESS CENTER STE 403, FISHKILL, NY 12524-2236
Preparer
Kathryn Seckler CPA
Phone
8457650705
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

“Expenses interest 3,415 insurance 393 filing fees 25 total 3,833”

Form 990-ez, Part II, Line 24

“Notes receivable 95,038 86,195 total 95,038 86,195”

Form 990-ez, Part II, Line 26

“Accounts payable & accrued expense 49,350 29,733 unsecured notes and loans payable 188,187 249,073 accrued interest payable 7,883 0 certificate of indebtedness 17,900 0”

Raw XML Appendix135 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
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/AddressChangeInd0X
IRS990EZ/BooksInCareOfDetail/PersonNm0CASEY MEIER
IRS990EZ/BooksInCareOfDetail/PhoneNum08452941700
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt040 MATTHEWS STREET
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine2Txt0SUITE 104
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0GOSHEN
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NY
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd010924
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0203522
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0224253
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-3598
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt011000
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0298560
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0310448
IRS990EZ/GrossReceiptsAmt011235
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt035240
IRS990EZ/NetAssetsOrFundBalancesEOYAmt031642
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt035240
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt031642
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt05.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt51.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt61.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt71.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt81.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt91.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0LYNN ALLEN CIONE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1RALPH MARTUCCI
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2BRIAN RATYNSKI
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3CYNTHIA CLUNE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4CHARLIE MILICH
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5THOMAS SULLIVAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6JOHN MCDERMOTT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7ED DEVITT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8MICHAEL GITTELSOHN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9JAMES WRIGHT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3VICE PRESIDE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9BOARD MEMBER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt095038
IRS990EZ/OtherAssetsTotalDetail/EOYAmt086195
IRS990EZ/OtherExpensesTotalAmt03833
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0PROVIDE LOW COST LOANS TO SMALL BUSINESSES.
IRS990EZ/ProgramServiceRevenueAmt011235
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0PROVIDE LOW COST LOANS TO SMALL BUSINESSES.
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NY
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0263320
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0278806
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt014833
IRS990EZ/TotalRevenueAmt011235
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES INTEREST 3,415 INSURANCE 393 FILING FEES 25 TOTAL 3,833
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NOTES RECEIVABLE 95,038 86,195 TOTAL 95,038 86,195
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ACCOUNTS PAYABLE & ACCRUED EXPENSE 49,350 29,733 UNSECURED NOTES AND LOANS PAYABLE 188,187 249,073 ACCRUED INTEREST PAYABLE 7,883 0 CERTIFICATE OF INDEBTEDNESS 17,900 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART II, LINE 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART II, LINE 26
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LYNN ALLEN CIONE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08452941700
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-07-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ORANGE COUNTY BUSINESS
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0DEVELOPMENT CORP
ReturnHeader/Filer/BusinessNameControlTxt0ORAN
ReturnHeader/Filer/EIN0900249263
ReturnHeader/Filer/PhoneNum08452941700
ReturnHeader/Filer/USAddress/AddressLine1Txt040 MATTHEWS STREET SUITE 104
ReturnHeader/Filer/USAddress/CityNm0GOSHEN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd010924
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId034966950C0FA5538C1DF343E326E4FA816957CDC
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId03FA6B1F2686BB45C3826A88A5968E42EF562B40E
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0167.68.16.49
ReturnHeader/FilingSecurityInformation/IPDt02018-07-17
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm010:43:18
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0262310586
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DAY SECKLER LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0300 WESTAGE BUSINESS CENTER STE 403
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FISHKILL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0125242236
ReturnHeader/PreparerPersonGrp/PhoneNum08457650705
ReturnHeader/PreparerPersonGrp/PreparationDt02018-07-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KATHRYN SECKLER CPA
ReturnHeader/ReturnTs02018-07-17T11:43:18-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02017-05-01
ReturnHeader/TaxPeriodEndDt02018-04-30
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$310,448
Liabilities
$278,806
Net assets
$31,642
Revenue
$11,235
Expenses
$14,833
Net income
-$3,598
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$2.76$2.79$0.03$0.00$0.01$0.01
2021Detailed filing. Detailed filing data is available for this year.$2.77$2.79$0.02$0.00$0.31$0.31
2020Detailed filing. Detailed filing data is available for this year.$3.07$2.79$0.29$0.00$0.01$0.00
2019Detailed filing. Detailed filing data is available for this year.$3.08$2.79$0.29$0.00$0.03$0.03
2018Detailed filing. Detailed filing data is available for this year.$3.10$2.79$0.32$0.11$0.15$0.04
2017Detailed filing. Detailed filing data is available for this year.$2.99$2.63$0.35$0.01$0.04$0.03
2016Detailed filing. Detailed filing data is available for this year.$3.06$2.49$0.57$0.41$0.12$0.30
2015Detailed filing. Detailed filing data is available for this year.$3.77$3.49$0.27$0.71$0.80$0.09
2014Detailed filing. Detailed filing data is available for this year.$4.09$3.73$0.36$0.07$0.12$0.05
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.19$3.77$0.42$0.10$0.10$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.96$4.54$0.42$0.12$0.10$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.58$4.17$0.41$0.18$0.26$0.09
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.71$2.22$0.49$0.11$0.06$0.05
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2018 filings • 501(c)6 • <$500k nonprofits