Civic Intelligence

Nid Housing Counseling Agency Inc

EIN 94-3353869 • 501(c)3 • Oakland, CA

Profile

The Corporation Provides nationwide counseling for housing related issues, such as purchasing rental, refinancing, foreclosure, home equity conversion, reverse mortgage, community develpment, housing rehabilitation, financial literacy and fair housing.

7677 Oakport Street 510Oakland, CA 94621

n/A

Siviq Scores

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

Liabilities / Assets

40th percentile

0.10x

Higher debt load relative to assets than 40% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

21st percentile

0.05x

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

501(c)3 • $10M-$25M nonprofits • Source year 2024

Net Margin

58th percentile

7.8%

Higher net margin than 58% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

33rd percentile

$138,470

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Asset Growth

83rd percentile

21%

Faster asset growth than 83% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

12th percentile

-21%

Faster revenue growth than 12% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Assets

Up

$5,493,886

Up $967,700 (+21%) from 2023

Liabilities

Up

$542,286

Up $151,296 (+39%) from 2023

Net Assets

Up

$4,951,600

Up $816,404 (+20%) from 2023

Revenue

Down

$10,505,630

Down $2,773,696 (-21%) from 2023

Expenses

Down

$9,689,226

Down $2,094,537 (-18%) from 2023

Net Income

Down

$816,404

Down $679,159 (-45%) from 2023

Trend Graphs

Balance Sheet Trend

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

$6.0M$4.0M$2.0M$0Assets 2011: $3,659,128Liabilities 2011: $1,170,485Net Assets 2011: $2,488,6432011Assets 2012: $3,551,159Liabilities 2012: $550,717Net Assets 2012: $3,000,4422012Assets 2013: $5,620,573Liabilities 2013: $1,709,610Net Assets 2013: $3,910,9632013Assets 2014: $5,606,782Liabilities 2014: $928,303Net Assets 2014: $4,678,4792014Assets 2015: $5,978,692Liabilities 2015: $987,698Net Assets 2015: $4,990,9942015Assets 2016: $4,465,085Liabilities 2016: $216,167Net Assets 2016: $4,248,9182016Assets 2017: $4,481,051Liabilities 2017: $734,234Net Assets 2017: $3,746,8172017Assets 2018: $4,462,836Liabilities 2018: $1,679,899Net Assets 2018: $2,782,9372018Assets 2019: $4,037,313Liabilities 2019: $1,070,336Net Assets 2019: $2,966,9772019Assets 2020: $4,166,298Liabilities 2020: $1,315,224Net Assets 2020: $2,851,0742020Assets 2021: $3,806,305Liabilities 2021: $1,070,908Net Assets 2021: $2,735,3972021Assets 2022: $3,719,081Liabilities 2022: $1,079,448Net Assets 2022: $2,639,6332022Assets 2023: $4,526,186Liabilities 2023: $390,990Net Assets 2023: $4,135,1962023Assets 2024: $5,493,886Liabilities 2024: $542,286Net Assets 2024: $4,951,6002024

Highlighted filing

2024

Assets$5,493,886
Liabilities$542,286
Net Assets$4,951,600

Operations Trend

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

$15M$10M$5.0M$0-$5.0MRevenue 2011: $5,854,299Expenses 2011: $4,449,173Net Income 2011: $1,405,1262011Revenue 2012: $4,628,262Expenses 2012: $4,116,463Net Income 2012: $511,7992012Revenue 2013: $5,356,748Expenses 2013: $4,446,227Net Income 2013: $910,5212013Revenue 2014: $5,102,469Expenses 2014: $4,334,953Net Income 2014: $767,5162014Revenue 2015: $5,413,902Expenses 2015: $4,487,478Net Income 2015: $926,4242015Revenue 2016: $4,469,036Expenses 2016: $4,484,819Net Income 2016: -$15,7832016Revenue 2017: $3,646,109Expenses 2017: $4,088,887Net Income 2017: -$442,7782017Revenue 2018: $1,868,194Expenses 2018: $2,832,074Net Income 2018: -$963,8802018Revenue 2019: $8,849,036Expenses 2019: $9,165,318Net Income 2019: -$316,2822019Revenue 2020: $9,985,959Expenses 2020: $10,101,862Net Income 2020: -$115,9032020Revenue 2021: $13,052,393Expenses 2021: $13,168,070Net Income 2021: -$115,6772021Revenue 2022: $11,932,351Expenses 2022: $12,028,115Net Income 2022: -$95,7642022Revenue 2023: $13,279,326Expenses 2023: $11,783,763Net Income 2023: $1,495,5632023Revenue 2024: $10,505,630Expenses 2024: $9,689,226Net Income 2024: $816,4042024

Highlighted filing

2024

Revenue$10,505,630
Expenses$9,689,226
Net Income$816,404

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.49$0.54$4.95$10.5$9.69$0.82
2023Summary only. Only limited summary data is available for this year.$4.53$0.39$4.14$13.3$11.8$1.50
2022Summary only. Only limited summary data is available for this year.$3.72$1.08$2.64$11.9$12.0$0.10
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.81$1.07$2.74$13.1$13.2$0.12
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.17$1.32$2.85$9.99$10.1$0.12
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.04$1.07$2.97$8.85$9.17$0.32
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.46$1.68$2.78$1.87$2.83$0.96
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.48$0.73$3.75$3.65$4.09$0.44
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.47$0.22$4.25$4.47$4.48$0.02
2015Summary only. Only limited summary data is available for this year.$5.98$0.99$4.99$5.41$4.49$0.93
2014Summary only. Only limited summary data is available for this year.$5.61$0.93$4.68$5.10$4.33$0.77
2013Summary only. Only limited summary data is available for this year.$5.62$1.71$3.91$5.36$4.45$0.91
2012Summary only. Only limited summary data is available for this year.$3.55$0.55$3.00$4.63$4.12$0.51
2011Summary only. Only limited summary data is available for this year.$3.66$1.17$2.49$5.85$4.45$1.41
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2021 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Nov 18, 2022
Return Version
2021v4.1
Gross Receipts
$13,052,393
Mission and Program Overview

Mission

The Corporation Provides nationwide counseling for housing related issues, such as purchasing rental, refinancing, foreclosure, home equity conversion, reverse mortgage, community develpment, housing rehabilitation, financial literacy and fair housing.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$2,862,082$2,490,454▼ $371,628
Pledges and Grants Receivable$1,268,400$1,251,298▼ $17,102
Other Notes and Loans Receivable, Net$10,595$46,454▲ $35,859
Prepaid Expenses and Deferred Charges$24,671$18,097▼ $6,574
Land, Buildings, and Equipment, Net$550$0▼ $550
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$4,166,298$3,806,305▼ $359,993
Other Assets Total-$2-
Liabilities
Accounts Payable and Accrued Expenses$845,253$753,800▼ $91,453
Other Liabilities$223,059$198,480▼ $24,579
Deferred Revenue$125,000$100,000▼ $25,000
Unsecured Notes Loans Payable$121,912$18,628▼ $103,284
Total Liabilities$1,315,224$1,070,908▼ $244,316
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,634,129$2,735,397▲ $101,268
Net Assets With Donor Restrictions$216,945--
Total Net Assets Fund Balance$2,851,074$2,735,397▼ $115,677
Total Liabilities and Net Assets / Fund Balance$4,166,298$3,806,305▼ $359,993

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings-$55,202$55,202
Equipment-$19,948$19,948
Leasehold Improvements-$8,998$8,998
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Steve HicksCompliance and TecFT$137,500$17,860$155,360
Ray Carlisle SrPresident & CEOFT$138,470$12,227$150,697
Rolanda WilsonDirectorPT$3,150-$3,150

Board Members and Trustees

NameTitle
Leslie BellamyBoardmember
Warren QuannDirector
Robert ReedSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Danny FeltonCounseling610 NW 183rd Suite 202, Miami Garden, FL 33169$320,550
Pope Housing AgencyCounseling3030 Euclid Ave Suite 412, Cleveland, OH 44115$174,632
NID-HCA BatisteHousing CounselingPO BOX 742557, Riverdale, GA 30274$124,925
Cedric AgeHousing Counseling4249 Palmdale HIlls Dr, Palmdale, CA 93552$40,650
Cassie StanleyHousing Counseling4788 Jonesboro Rd, Union City, GA 30291$40,100
Revenue and Support

Revenue Composition

Contributions and Grants
$12,539,275
Program Service Revenue
$361,550
Investment Income
$1,410
Other Revenue
$150,158
All Other Contributions
$10,999,953
Change in Net Assets
$-115,677
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,353,000
Salaries, Compensation, and Employee Benefits$815,070
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$446,903$148,967-$595,870
Other Employee Benefits$77,805$25,935-$103,740
Occupancy$58,181$19,394-$77,575
Information Technology$51,479$17,160-$68,639
Other Salaries and Wages$50,404$16,801-$67,205
All Other Expenses$43,378$14,457-$57,835
Payroll Taxes$36,191$12,064-$48,255
Travel$25,486$8,495-$33,981
Other Expenses$18,851$6,283-$25,134
Fees for Services Accounting$14,067$4,689-$18,756
Advertising$2,183$728-$2,911
Insurance$695$232-$927
Fees for Services Legal$224$75-$299
Total Functional Expenses$12,871,384$296,686$0$13,168,070
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

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
Payroll Tax Payable$156,046
Other Payables$42,434
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
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, Line 2: Description of Business or Family Relationship of Officers, Directors, Et

Latisha Carlisle, VP Housing Program is related to Ray Carlisle,Sr. Mr. Carlisle is the father of Ms. Carlisle.

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

No review was or will be conducted.

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

No documents available to the public.

Filing and Contact Details

Filer

Filer Name
NID Housing Counseling Agency Inc
EIN
94-3353869
Phone
5102689792
Address
7677 Oakport Street 510, Oakland, CA 94621

Signing Officer

Name
Ray Carlisle
Title
President & CEO
Signed
2022-11-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ray Carlisle Sr
Formed
1985
Legal Domicile
CA
Voting Board Members
5
Independent Board Members
5
Employees
8

Preparer

Firm
Williams Adley and Co-ca Llp
Address
7677 Oakport St Suite 1000, OAKLAND, CA 94621
Preparer
Robert H Griffin
Phone
5108938114
Raw XML AppendixShowing 400 of 492 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
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IRS990/Form990PartVIISectionAGrp/PersonNm2Rolanda Wilson
IRS990/Form990PartVIISectionAGrp/PersonNm3Robert Reed
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