Civic Intelligence

Eah Inc.

990 • Fiscal year 2015 • EIN 94-1699153

Jul 01, 2014 to Jun 30, 2015 • Filed on Feb 02, 2016

2169 East Francisco Blvd Suite BSan Rafael, CA 94901

(415) 258-1800

Siviq Scores

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

Liabilities / Assets

28th percentile

0.12x

Higher debt load relative to assets than 28% of similar nonprofits.

2015 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

33rd percentile

0.23x

Higher debt load relative to revenue than 33% of similar nonprofits.

2015 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2015

Net Margin

93rd percentile

54%

Higher net margin than 93% of similar nonprofits.

2015 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

52nd percentile

$340,505

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2015 filings • 501(c)3 • $50M-$100M nonprofits • Source year 2015

Asset Growth

94th percentile

33%

Faster asset growth than 94% of similar nonprofits.

2015 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

96th percentile

95%

Faster revenue growth than 96% of similar nonprofits.

2015 filings • 501(c)3 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Assets

Up

$75,951,860

Up $19,010,558 (+33%) from 2014

Net Assets

Up

$66,991,449

Up $18,641,062 (+39%) from 2014

Liabilities

Up

$8,960,411

Up $369,496 (+4.3%) from 2014

Revenue

Up

$38,570,407

Up $18,770,474 (+95%) from 2014

Expenses

Up

$17,587,281

Up $3,607,684 (+26%) from 2014

Net Income

Up

$20,983,126

Up $15,162,790 (+261%) from 2014

Historical Trend

Balance Sheet Trend

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

$300M$200M$100M$0Assets 2011: $43,207,582Liabilities 2011: $14,371,399Net Assets 2011: $28,836,1832011Assets 2012: $44,111,800Liabilities 2012: $8,175,291Net Assets 2012: $35,936,5092012Assets 2013: $49,559,122Liabilities 2013: $7,029,071Net Assets 2013: $42,530,0512013Assets 2014: $56,941,302Liabilities 2014: $8,590,915Net Assets 2014: $48,350,3872014Assets 2015: $75,951,860Liabilities 2015: $8,960,411Net Assets 2015: $66,991,4492015Assets 2016: $87,791,976Liabilities 2016: $10,206,134Net Assets 2016: $77,585,8422016Assets 2017: $130,029,361Liabilities 2017: $17,306,316Net Assets 2017: $112,723,0452017Assets 2018: $133,627,134Liabilities 2018: $17,039,020Net Assets 2018: $116,588,1142018Assets 2019: $204,491,957Liabilities 2019: $56,780,380Net Assets 2019: $147,711,5772019Assets 2020: $249,477,688Liabilities 2020: $57,303,542Net Assets 2020: $192,174,1462020Assets 2021: $270,417,215Liabilities 2021: $71,231,880Net Assets 2021: $199,185,3352021Assets 2022: $269,353,281Liabilities 2022: $57,598,484Net Assets 2022: $211,754,7972022Assets 2023: $268,607,075Liabilities 2023: $46,681,089Net Assets 2023: $221,925,9862023Assets 2024: $273,605,341Liabilities 2024: $33,309,894Net Assets 2024: $240,295,4472024

Highlighted filing

2015

Assets$75,951,860
Liabilities$8,960,411
Net Assets$66,991,449

Operations Trend

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

$100M$50M$0Expenses 2011: $12,443,8812011Revenue 2012: $20,249,099Expenses 2012: $13,148,773Net Income 2012: $7,100,3262012Expenses 2013: $12,973,4722013Revenue 2014: $19,799,933Expenses 2014: $13,979,597Net Income 2014: $5,820,3362014Revenue 2015: $38,570,407Expenses 2015: $17,587,281Net Income 2015: $20,983,1262015Revenue 2016: $23,546,851Expenses 2016: $18,294,785Net Income 2016: $5,252,0662016Revenue 2017: $53,858,212Expenses 2017: $17,551,682Net Income 2017: $36,306,5302017Revenue 2018: $42,671,365Expenses 2018: $18,698,101Net Income 2018: $23,973,2642018Revenue 2019: $68,258,498Expenses 2019: $22,180,716Net Income 2019: $46,077,7822019Revenue 2020: $86,016,807Expenses 2020: $30,005,307Net Income 2020: $56,011,5002020Revenue 2021: $38,505,920Expenses 2021: $33,507,619Net Income 2021: $4,998,3012021Revenue 2022: $53,747,905Expenses 2022: $38,704,734Net Income 2022: $15,043,1712022Revenue 2023: $54,325,449Expenses 2023: $45,070,566Net Income 2023: $9,254,8832023Revenue 2024: $66,194,281Expenses 2024: $48,450,086Net Income 2024: $17,744,1952024

Highlighted filing

2015

Revenue$38,570,407
Expenses$17,587,281
Net Income$20,983,126
Jump To
Filing Snapshot
Filing Period
Jul 1, 2014 to Jun 30, 2015
Signed
Feb 2, 2016
Return Version
2014v6.0
Gross Receipts
$38,610,174
Mission and Program Overview

Mission

To provide low-income housing

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$14,049,739$28,961,415▲ $14,911,676
Cash and Non-Interest-Bearing Accounts$10,107,117$15,239,355▲ $5,132,238
Land, Buildings, and Equipment, Net$12,927,014$12,106,568▼ $820,446
Savings and Temporary Cash Investments$2,505,994$3,823,743▲ $1,317,749
Accounts Receivable$2,547,197$2,474,580▼ $72,617
Investments in Publicly Traded Securities$1,225,000$0▼ $1,225,000
Intangible Assets$4,682$0▼ $4,682
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$56,941,302$75,951,860▲ $19,010,558
Other Assets Total$13,574,559$13,346,199▼ $228,360
Liabilities
Other Liabilities$5,899,417$5,950,683▲ $51,266
Mortgage Notes Payable Secured by Investment Property$1,523,286$1,709,807▲ $186,521
Accounts Payable and Accrued Expenses$1,168,212$1,299,921▲ $131,709
Total Liabilities$8,590,915$8,960,411▲ $369,496
Net Assets / Fund Balance
Unrestricted Net Assets$48,350,387$66,991,449▲ $18,641,062
Total Net Assets Fund Balance$48,350,387$66,991,449▲ $18,641,062
Total Liabilities and Net Assets / Fund Balance$56,941,302$75,951,860▲ $19,010,558

Asset Categories

AssetBook ValueDepreciationBasis
Land$11,643,937-$11,643,937
Buildings$349,465$2,294,283$2,643,748
Other Land Buildings$113,166$971,873$1,085,039
Other Assets Org$268,000--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mary MurtaghPresident & CEOFT$316,665$23,840$340,505
Laura HallCOOFT$255,972$24,306$280,278
Cathy MacyCFOFT$224,382$17,087$241,469
Dianna IngleVP - PmdFT$203,294$17,532$220,826
Matthew SteinleVP - R.e. DevFT$199,728$18,294$218,022
Kevin CarneyVP -hawaii R.e.FT$167,924$13,051$180,975
Errol DominguezDpty Director - R.e.FT$144,635$21,367$166,002
Dixie BausSr. Mgr Bus DevFT$134,097$13,260$147,357
Michael FarrelVP - OpsFT$133,125$13,443$146,568
Marian GushikenDeputy Dir, RedFT$126,828$14,617$141,445
Karen BelangerVP - HrFT$127,611$13,179$140,790
Alvin BonnettSR VP - DvlpmntFT$66,502$13,555$80,057

Board Members and Trustees

NameTitle
Judy BinsaccaChairman
Paul S FosterVice Chair
Douglas ElliottDirector
Joseph F WalshDirector
Linn WarrenDirector
Lucien WongDirector
Patrick CashmanDirector
William W ThompsonDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Okamoto-saijo ArchitectureArchitectural Svcs18 BARTOL ST, San Francisco, CA 94133$237,355
Revenue and Support

Revenue Composition

Contributions and Grants
$18,211,235
Program Service Revenue
$17,366,035
Investment Income
$3,012,024
Other Revenue
$-18,887
All Other Contributions
$764,931
Change in Net Assets
$20,983,126

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
Other Non Cash Contri Table1$6,295,000O/S Prin & Int
Other Non Cash Contri Table1$3,528,920O/S Prin & Int
Secur Prtnrshp Trust Intrsts1$346,446Gaap Basis
Total Noncash Contributions3$10,170,366-

Audited Revenue Reconciliation

Revenue per Audited Statements
$36,413,107
Revenue Not Reported on Financial Statements
$2,157,300
Revenue Not Reported on Form 990
$44,011
Other Revenue Adjustments
$2,157,300
Total Revenue per Audited Statements
$36,457,118
Total Revenue per Form 990
$38,570,407
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$10,708,691
Other Expenses$5,590,137
Grants and Similar Amounts Paid$1,263,203
Total Fundraising Expense$730,496
Professional Fundraising Fees$25,250

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$6,468,981$494,640$411,720$7,375,341
Current Officers, Directors, Trustees, and Key Employees$1,356,577$150,731-$1,507,308
Grants to Domestic Orgs$1,191,953--$1,191,953
Other Employee Benefits$778,588$55,606$36,417$870,611
Occupancy$599,250$42,292$30,702$672,244
Payroll Taxes$559,745$35,645$25,101$620,491
Pension Plan Contributions$294,618$24,932$15,390$334,940
Travel$272,117$28,777$3,013$303,907
All Other Expenses$227,785$45,302$21,513$294,600
Advertising$156,144$16,822$95,062$268,028
Information Technology$156,845$6,286$41,685$204,816
Office Expenses$175,533$7,914$7,099$190,546
Fees for Services Other$120,765$3,523$13,036$137,324
Other Expenses$75,825$5,595$3,996$85,416
Depreciation Depletion$81,383--$81,383
Grants to Domestic Individuals$71,250--$71,250
Conferences and Meetings$51,611$11,807$255$63,673
Fees for Services Accounting$32,318$29,045-$61,363
Fees for Services Legal$57,292$891-$58,183
Insurance$49,280$936$257$50,473
Fees for Services Professional Fundraising--$25,250$25,250
Interest$5,604--$5,604
Total Functional Expenses$15,896,041$960,744$730,496$17,587,281

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$17,815,774
Total Expenses per Form 990$17,587,281
Expenses per Audited Statements$15,467,045
Expenses Not Reported on Form 990$2,348,729
Expenses Not Reported on Financial Statements$2,120,236
Other Expense Adjustments$2,120,236
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Golden Oak Manor IncSan Rafael, CA501(c)(3)To Fund Low Income Hsg Development$700,785
Cloverdale Senior Hsg IncSan Rafael, CA501(c)(3)To Fund Low Income Hsg Development$400,390
Cecilia Place Homes IncSan Rafael, CA501(c)(3)To Fund Low Income Hsg Development$55,500
Faith Action for Community EqutyHonolulu, HI501(c)(3)General Support$10,000
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
Yes

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$39,767
Professional Fundraising Fees$25,250
Fundraising Gross Income$20,880

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Annual Dinner$127,013$20,880$15,159$5,721
Total Events$127,013$20,880$39,767$-18,887
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
Prepaid Ground Lease$4,700,051
Accrued Expenses$1,250,632
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

The members of the board of directors shall be the only members of the corporation.

Form 990, Part VI, Line 11B: Form 990 Review Process

The form 990 is reviewed by the cfo.

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

Compensation is reviewed by a compensation committee

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

AVAILABLE UPON REQUEST

Filing and Contact Details

Filer

Filer Name
EAH Inc
EIN
94-1699153
Phone
4152581800
Address
2169 East Francisco Blvd Suite B, San Rafael, CA 94901

Signing Officer

Name
Mary Murtagh
Title
President & CEO
Signed
2016-02-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Judy Binsacca
Formed
1968
Legal Domicile
CA
Voting Board Members
8
Independent Board Members
8
Employees
519

Preparer

Firm
Spiteri Narasky & Daley LLP
Address
1024 Country Club Dr, Moraga, CA 94556
Preparer
Claude A Persons
Phone
9253762195
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 4D: Other Program Services Description

Other program services 4: the corporation operates 3 apartment buildings in marin county consisting of 22 units for low and moderate-income families, elderly and handicapped persons. Other program services 5: the corporation serves a limited partner in 11 limited partnerships which provide a total of 453 total units of low-income housing located in larkspur, healdsburg, tiburon, oakley, walnut creek, san jose and st. Helena, california. The corporation also serves as a limited partner in 4 limited partnerships which are in the process of developing or rehabing low-income housing projects in turlock, ca, san francisco, ca, ewa beach, hi, and st. Helena, ca.

Other Changes In Net Assets Or Fund Balances - Other Decreases

Refund of prior year hcd grant = -$37064

Financial Statement Notes

Part X : FIN48 Footnote

The organization has been granted tax-exempt status by the internal revenue service, under code section 501(c)(3), and the california franchise tax board under the revenue and taxation code section 23701(d). The organization believes that it does not have any uncertain tax positions that are material to the financial statements. The organization's forms 990, return of organization exempt from income tax, for the years ending june 30, 2014, 2013, 2012 and 2011 are subject to examination by the irs, generally for 3 and 4 years after they were filed, respectively. The income or loss from the consolidated partnership is reported by the partners on their tax returns and accordingly, no provision for income taxes has been made in the financial statements.

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

Minority int: consolidated ptnrship rev $4244 fundraising exp netted with rev on 990 $39767

Part XI, Line 4B: Other revenue amounts included on 990 but not included in F/S

Limited ps invest revequity method $2120236 fundraising expenses netted with rev $0 refund of prior year hcd grant $37064

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

Minority int: consolidated ptnrship exp $3962 fundraising exp netted with rev on 990 $39767 unrealized net loss $2305000

Part XII, Line 4B: Other revenue amounts included on 990 but not included in F/S

Limited ps invest exp equity method $2120236

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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/PersonNm3DOUGLAS ELLIOTT
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IRS990/Form990PartVIISectionAGrp/PersonNm5JOSEPH F WALSH
IRS990/Form990PartVIISectionAGrp/PersonNm6LUCIEN WONG
IRS990/Form990PartVIISectionAGrp/PersonNm7LINN WARREN
IRS990/Form990PartVIISectionAGrp/PersonNm8MARY MURTAGH
IRS990/Form990PartVIISectionAGrp/PersonNm9ALVIN BONNETT
IRS990/Form990PartVIISectionAGrp/PersonNm10KEVIN CARNEY
IRS990/Form990PartVIISectionAGrp/PersonNm11ERROL DOMINGUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm12LAURA HALL
IRS990/Form990PartVIISectionAGrp/PersonNm13CATHY MACY
IRS990/Form990PartVIISectionAGrp/PersonNm14MATTHEW STEINLE
IRS990/Form990PartVIISectionAGrp/PersonNm15DIXIE BAUS
IRS990/Form990PartVIISectionAGrp/PersonNm16DIANNA INGLE
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IRS990/Form990PartVIISectionAGrp/PersonNm18MICHAEL FARREL
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9SR VP - Dvlpmnt
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP -HAWAII R.E.
IRS990/Form990PartVIISectionAGrp/TitleTxt11DPTY DIR - R.E.
IRS990/Form990PartVIISectionAGrp/TitleTxt12COO
IRS990/Form990PartVIISectionAGrp/TitleTxt13CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP - R.E. DEV
IRS990/Form990PartVIISectionAGrp/TitleTxt15SR. MGR BUS DEV
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP - PMD
IRS990/Form990PartVIISectionAGrp/TitleTxt17DEPUTY DIR, RED
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP - OPS
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP - HR
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IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE LOW-INCOME HOUSING
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IRS990/OfficeExpensesGrp/FundraisingAmt07099
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt07914
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IRS990/OtherAssetsTotalGrp/BOYAmt013574559
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IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0778588
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0870611
IRS990/OtherExpensesGrp/Desc0PTNRSHP ALLOCABLE SHARE EXP
IRS990/OtherExpensesGrp/Desc1RENTAL HOUSING PROGRAM EXPENSE
IRS990/OtherExpensesGrp/Desc2BAD DEBT
IRS990/OtherExpensesGrp/Desc3WORKERS COMPENSATION
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt05595
IRS990/OtherExpensesGrp/ProgramServicesAmt02502421
IRS990/OtherExpensesGrp/ProgramServicesAmt1372172
IRS990/OtherExpensesGrp/ProgramServicesAmt2237984
IRS990/OtherExpensesGrp/ProgramServicesAmt375825
IRS990/OtherExpensesGrp/TotalAmt02502421
IRS990/OtherExpensesGrp/TotalAmt1372172
IRS990/OtherExpensesGrp/TotalAmt2237984
IRS990/OtherExpensesGrp/TotalAmt385416
IRS990/OtherLiabilitiesGrp/BOYAmt05899417

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$274$33.3$240$66.2$48.5$17.7
2023Detailed filing. Detailed filing data is available for this year.$269$46.7$222$54.3$45.1$9.25
2022Detailed filing. Detailed filing data is available for this year.$269$57.6$212$53.7$38.7$15.0
2021Detailed filing. Detailed filing data is available for this year.$270$71.2$199$38.5$33.5$5.00
2020Detailed filing. Detailed filing data is available for this year.$249$57.3$192$86.0$30.0$56.0
2019Detailed filing. Detailed filing data is available for this year.$204$56.8$148$68.3$22.2$46.1
2018Detailed filing. Detailed filing data is available for this year.$134$17.0$117$42.7$18.7$24.0
2017Detailed filing. Detailed filing data is available for this year.$130$17.3$113$53.9$17.6$36.3
2016Detailed filing. Detailed filing data is available for this year.$87.8$10.2$77.6$23.5$18.3$5.25
2015Detailed filing. Detailed filing data is available for this year.$76.0$8.96$67.0$38.6$17.6$21.0
2014Detailed filing. Detailed filing data is available for this year.$56.9$8.59$48.4$19.8$14.0$5.82
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.6$7.03$42.5$13.0
2012Summary only. Only limited summary data is available for this year.$44.1$8.18$35.9$20.2$13.1$7.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.2$14.4$28.8$12.4