2024-11-04T16:33:12-05:00 2023-12-31 990 2023-01-01 561271685 Center for Community Self-Help CENT 301 W Main Street Durham NC 277013227 Crystal German President 9199564400 2024-03-12 true 2023 2024-10-15 13:58:12Z Crystal German 3240499 false X www.self-help.org X 1980 NC The Centers mission is to create and protect ownership for all, especially people of color, women, rural residents and low wealth families and communities. 10 8 0 0 0 6557067 1643963 328596 1229710 65838 243872 35538 122954 6987039 3240499 6440702 1903689 0 0 0 1189 826866 616753 7267568 2520442 -280529 720057 52606933 55248135 9189679 11110824 43417254 44137311 X The Centers mission is to create and protect ownership for all, especially people of color, women, rural residents and low wealth families and communities. false false 1466750 540250 COMMUNITY DEVELOPMENT REAL ESTATE PROJECTS: Primarily through its supporting organizations, Self-Help Ventures Fund and Self-Help Community Development Corp., The Center engages in economic development through the renovation of historic buildings, construction of new buildings in distressed communities; as well as provides quality affordable retail spaces, community facilities, and commercial rental spaces to revitalize and stabilize distressed communities. Approximately 7,200 beneficiaries. 840723 394800 58242 COMMUNITY DEVELOPMENT SECONDARY MARKET PROGRAMS: Facilitation of a secondary market operated by Self-Help Ventures Fund for home mortgages of low-income buyers in distressed communities to make homeownership more widely available to these families. Approximately 19,173 beneficiaries. 115550 708639 22629 EDUCATIONAL AND TECHNICAL ASSISTANCE: Together with supporting organizations Self-Help Ventures Fund and Self-Help Community Development Corporation, conducted general programs, educational and job-saving activities, and development of support groups and community-based organizations that help low-income people. Approximately 15,165 beneficiaries. RESPONSIBLE LENDING POLICY AND RESEARCH: Together with supporting organization Center for Responsible Lending, engaged in education & technical assistance on abusive financial practices that deplete the wealth of low-income & minority families & communities. Published 57 research reports, made 49 presentations, testimony, conferences, and analysis for comment letters to educate the general public and inform the regulatory process. Taken together, the activities noted above had approximately 89,216 beneficiaries. 260000 1229710 COMMUNITY DEVELOPMENT LENDING: Primarily through Self-Help Ventures Fund, originated and purchased loans primarily to low income, rural, and minority communities enabling home ownership and fostering small business development. Created or maintained jobs, childcare facilities, and schools. Approximately 58,374 beneficiaries. 260000 1229710 2423023 true true false true false false false false false false true false true false true true true false false false false false false false false false false true false false false false false false false false false false false false false false false true true true true false true 39 0 true 0 false false false false false false false false false false false false X 10 8 false false false false true true false true true false false true true true true true true true true false AK AL AR CA CO CT DC FL GA HI IL KS KY MA MD ME MI MN MS NC ND NH NJ NM NV NY OH OK OR PA RI SC TN UT VA WA WI WV X Marcus Bowen 9199564400 301 W Main Street Durham NC 277013227 X Marcus Bowen Treasurer 1.00 40.00 X 0 99998 36537 David S Beck Policy & Media Director 1.00 40.00 X 0 100713 33479 Martin Eakes CEODirector 1.00 40.00 X X 0 97699 33733 Dave Shumannfang Secretary 1.00 40.00 X 0 101449 29983 Crystal German President 1.00 40.00 X 0 69403 37980 Ashley Smith Director 1.00 40.00 X 0 60807 37413 Mike Bauders Director 1.00 40.00 X 0 76021 18827 Anna Tefft Director 0.50 0.00 X 0 0 0 Joseph A Smith Jr Director 0.50 0.00 X 0 0 0 Mike Giarla Director 0.50 0.00 X 0 0 0 Melvin Davis Director 0.50 0.00 X 0 0 0 Farad Ali Director 0.50 0.00 X 0 0 0 Lewis Myers ChairDirector 0.50 0.00 X 0 0 0 David Stein Director 0.50 0.00 X 0 0 0 Linda Shaw Director 0.50 0.00 X 0 0 0 Gene Nichol Director 0.50 0.00 X 0 0 0 0 606090 227952 0 false false false 31626 212500 1399837 1643963 Charitable Credit 522200 1229710 1229710 Enhancement 1229710 243872 243872 Technical Assist Rev 541900 22629 22629 Sales Tax Refund 900099 42083 42083 Other Income 900099 58242 58242 122954 3240499 1352664 0 243872 1903689 1903689 18000 18000 9087 9087 178283 178283 1724 1351 367 6 15386 12060 3276 50 7694 7694 8137 6379 1732 26 594 466 126 2 Staffing Reimb to SHSC 295250 231435 62859 956 Sales Tax Expense 47711 37399 10158 154 Loan Charges-off 36677 36677 -1790 -1497 -288 -5 2520442 2423023 96230 1189 279770 292050 5056393 7736960 976249 797598 30000 30000 1023674 974190 3639 49484 1251 3787 46171400 46283050 88231 55206 52606933 55248135 3095945 2881098 953555 895001 300500 2500000 4750529 4779519 89150 55206 9189679 11110824 X 8665472 5404065 34751782 38733246 43417254 44137311 52606933 55248135 720057 0 X false true X true true true X 1852370 14308372 5119812 6557067 1643963 29481584 1852370 14308372 5119812 6557067 1643963 29481584 10008656 19472928 23123 7017 3384 65838 243872 343234 29824818 2701468 0.65290 0.73940 X Contributions not reported as revenue Part II or Part III line 1 Contributions reported on Schedule A, Part II, line 1 match with contribution revenue reported on the 990, Part VIII, line 1h. CCSH recognizes the grant money received as revenue when the performance obligations have been met. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED X 13098 324492 13098 324492 2507344 126591009 2520442 126915501 276022 1000000 69006 250000 1000000 1000000 1000000 1000000 4000000 6000000 353380 355595 331773 324492 1365240 250000 250000 250000 250000 1000000 1500000 20809 20809 General Explanation Attachment Part II-A: Affiliated group members: (1) Center for Responsible Lending, 302 W. Main Street, Durham, NC, EIN 74-3043913, Direct lobbying expenses $311,394, Grassroots lobbying expenses $0; (2) Self-Help Ventures Fund, 301 W. Main Street, Durham, NC, EIN 58-1562750, Direct lobbying expenses $0, Grassroots lobbying expenses $0; (3) Self-Help Community Development Corporation, 301 W. Main Street, Durham, NC EIN 56-1975829, Direct lobbying expenses $0, Grassroots lobbying expenses $0; (4) Self-Help Services Corporation, 301 W. Main Street, Durham, NC 27701, EIN 56-1849615, Direct lobbying expenses $0, Grassroots lobbying expenses $0; (5) Self-Help Assistance Corporation, 301 W. Main Street, Durham, NC 27701, EIN 56-1923620, Direct lobbying expenses $0; Grassroots lobbying expenses $0. Part II-A: Of these group members, Center for Responsible Lending and the filing organization, Center for Community Self-Help, have made the election under section 501(h). 42089 42089 735467 735467 246118 196634 49484 49484 NC Childcare Revolving Loan Fund 2394730 C Eastern NC Childcare Revolving Loan 1348951 C Charter School Credit Enhancement F 30604606 C Rural Lending Fund 5837860 C RWGI Loan Loss Reserve 1035838 C NC Assistive Technology Financing F 600835 C Down PaymentClosing Costs Assistan 1500000 C GovtNon-Govt Revolving Loan Fund 297586 C Student Loan Loss Reserve 2591581 C SC Fair Lending Alliance Sponsorshi 61292 C ALH Sponsorship Checking Acct 9771 C 46283050 Operating Lease Liability 55206 55206 X 3240499 3240499 3240499 2520442 2520442 2520442 Footnote for uncertain tax position under FIN 48 (Part X) Part X Line 2: The Center has determined that all tax positions taken for the current year ended December 31, 2023 and all years open under the statute of limitations are highly certain. Therefore, the Center has determined that no unrecognized tax liability exists. true Self-Help Ventures Fund 301 W Main Street Durham NC 277013227 581562750 501c3 266500 Charitable Lending Self-Help Federal CU 301 W Main Street Durham NC 277013227 263016612 501c1 230500 Charitable Lending Self-Help CommDevelopCorp 301 W Main Street Durham NC 277013227 561975829 501c3 493750 Affordable Housing Self-Help Credit Union 301 W Main Street Durham NC 277013227 561382971 501c14 77000 Charitable Lending Center for Responsible Lending 302 W Main Street Durham NC 277013227 743043913 501c3 300000 Research & Innovation Northwest Side CDC 4201 North 27th St 7th Floor Milwaukee WI 532161807 391478014 501c3 100000 Charitable Lending Wisconsin Womens BusInitative Corp 1533 N RiverCenter Drive Milwaukee WI 532123913 391597954 501c3 100000 Charitable Lending Jax Microfinance Fund LLC 40 E Adams Street Suite 300 Jacksonville FL 32202 596368632 501c3 12015 Operating Assistance Richmond Heritage FCU 50 W Commerce Street Richmond VA 23224 540490561 501c1 50000 Charitable Lending Lawndale Christian Development Corp 3843 West Ogden Ave Chicago IL 60623 363573036 501c3 92500 Homeownership Assistance The Resurrection Project 1805 S Paulina St Chicago IL 60623 363576073 501c3 92500 Homeownership Assistance United for A Fair Economy 184 High St Suite 603 Boston MA 02110 043286116 501c3 14124 Raising Wages Program 9 3 Monitoring procedures (Part I, line 2) The organization makes grants only under very limited circumstances where it maintains close supervision of the manner in which grant funds are expended or works in partnership with an ally organization that supervises the use of grant funds. Grantees are required to provide periodic documentation that funds have been expended in accordance with any grant agreements. Members or stockholder classes and rights Part VI line 6 Form 990, Part VI, Section A, Line 6,7a: The organization has two classes of members, each of which elects a representative to the board of directors. Member election for additional members Part VI line 7a Form 990, Part VI, Section A, Line 6,7a: The organization has two classes of members, each of which elects a representative to the board of directors. Form 990 governing body review Part VI line 11 Form 990, Part VI, Section A, Line 11b: The Form 990 is prepared by staff accountants. The Chief Financial Officer, the Controller, and in-house counsel review multiple drafts and verify all answers before the form is provided to the Chief Executive Officer and board of directors for further review and comment prior to submission. Conflict of interest policy compliance Part VI line 12c Form 990, Part VI, Section B, Line 12c: The organizations Conflict of Interest Policy covers its officers, directors or trustees, all employees of the organization or any related organization, and family members of persons in these categories. All covered persons are required under the policy to disclose actual or potential conflicts as soon as they arise and the directors of the organization and related organizations confirm annually that there are no existing conflicts of interest. Persons with actual conflicts are prohibited from participating in any decisions relevant to the situation where the conflict exists. Most conflicts are clearly delineated by the policy; situations that are no so clear-cut are reviewed by in-house counsel, the CEO, or the Board, as appropriate. CEO executive director top management comp Part VI line 15a Form 990, Part VI, Section B, Line 15a: The organization pays its highest paid workers including the CEO, top management officials and other officers, in accordance with a salary ceiling that is confirmed annually by the board, and was last confirmed in February 2023. This ceiling is subject to adjustment for increased costs of living associated with the geographical areas in which workers are working, but is well below the average market salary for workers with comparable levels of expertise and experience. Other officer or key employee compensation Part VI line 15b Form 990, Part VI, B, 15b: The organization pays its highest paid workers including theCEO, top management officials and other officers, in accordance with a salary ceiling that is confirmed annually by the board, and was last confirmed in November 2023. This ceiling subject to adjustment for increased costs of living associated with the geographical areas in which workers are working, but is well below the average market salary for workers with comparable levels of expertise and experience. Governing documents etc available to public Part VI line 19 Form 990, Part VI, Section C, Line 19: No documents available to the public. Part III response or note to any other line in Part III Form 990, Part III, Line 4d: RESPONSIBLE LENDING POLICY AND RESEARCH: Together withsupporting organization Center for Responsible Lending, conducted research & providededucation & technical assistance regarding predatory lending & other abusive financialpractices. Published 57 research reports, and made 49 presentations. Taken together, theactivities noted above had approximately 89,216 beneficiaries.COMMUNITY DEVELOPMENT LENDING: Primarily through Self-Help Ventures Fund, originated andpurchased loans primarily to low income, rural, and minority communities enabling home ownership and fostering small business development. Created or maintained jobs, childcare facilities,and schools. Approximately 58,374 beneficiaries. Part VII response or note to any other line in Part VII Form 990, Part VII, A, 1a: No director or officer receives compensation for their work as a director, officer or trustee; instead, the amounts listed in columns (E) & (F) arecompensation paid to employees of the related organization who work 30-40 hours per weekby Self-Help Services Corporation, which serves as the employer for all of the filingorganizations workers. Self-Help Assistance Corporation 301 W Main Street Durham NC 277013227 561923620 Economic Development NC 501c3 12a Center for Community Self-Help true Self-Help Community Development Cor 301 W Main Street Durham NC 277013227 561975829 Affordable Housing NC 501c3 12a Center for Community Self-Help true Self-Help Credit Union 301 W Main Street Durham NC 277013227 561382971 Economic Development NC 501c14 N/A false Self-Help Services Corporation 301 W Main Street Durham NC 277013227 561849615 Staffing Services NC 501c3 12a Center for Community Self-Help true Self-Help Ventures Fund 301 W Main Street Durham NC 277013227 581562750 Charitable Lending NC 501c3 12a Center for Community Self-Help true Center for Responsible Lending 302 W Main Street Durham NC 277013227 743043913 Research & Policy NC 501c3 12a Center for Community Self-Help true Self-Help Federal Credit Union 301 W Main Street Durham NC 277013227 263016612 Economic Development NC 501c1 N/A false Self-Help Economic DevelopmentInc 1330 Broadway St Suite 604 Oakland CA 94612 205330006 Financial Capability CA 501c3 7 Center for Community Self-Help true false true false true false true false false false false true false true true false true true false false Self-Help Ventures Fund b 266500 Cash Self-Help Credit Union b 77000 Cash Self-Help Community Development Cor b 493750 Cash Self-Help Federal Credit Union b 230500 Cash Center for Responsible Lending b 300000 Cash Self-Help Credit Union d 17306328 Highest balance in 2023 Self-Help Ventures Fund d 12955682 Highest Balance in 2023 Self-Help Services Corporation p 298604 Cash Self Help Ventures Fund q 2898974 Cash Self-Help Federal Credit Union d 730804 Highest balance in 2023 Self-Help Ventures Fund c 58242 Cash Self-Help Credit Union q 126430 Cash