2025-11-07T09:31:37-06:00 2024-12-31 844049075 HALEY & WOODS LLP 4220 CAHABA HEIGHTS COURT SUITE 201 BIRMINGHAM AL 35243 990 2024-01-01 570897928 NEIGHBORHOOD CONCEPTS INC NEIG 2565340075 2808 6TH STREET SW HUNTSVILLE AL 35805 MARY ELLEN JUDAH EXECUTIVE DIRECTOR 2565340075 2025-11-07 1 1 JESSICA WOODS P02351080 2052771529 2025-10-29 2024 2025-03-06 01:10:19Z MARY ELLEN JUDAH 2808 6TH STREET SW HUNTSVILLE AL 35805 1749082 0 X WWW.NEIGHBORHOODCONCEPTS.ORG X 1988 AL NEIGHBORHOOD CONCEPTS STRENGTHENS COMMUNITIES THROUGH THE (CONT'D ON SCHEDULE O) ADVANCEMENT OF HOUSING AND ECONOMIC PATHWAYS SO ALL MAY THRIVE. 12 12 6 21 0 0 17761 139949 1399604 1486012 52330 76327 61716 46794 1531411 1749082 0 0 0 0 440201 549464 0 0 9558 854050 904660 1294251 1454124 237160 294958 14140841 16963333 7899416 10426950 6241425 6536383 NEIGHBORHOOD CONCEPTS STRENGTHENS COMMUNITIES THROUGH THE ADVANCEMENT OF HOUSING AND ECONOMIC PATHWAYS SO ALL MAY THRIVE. 0 0 300769 433038 HOUSING: NEIGHBORHOOD CONCEPTS, INC. HAS AN OWNERSHIP INTEREST IN PARTNERSHIPS THAT COLLECTIVELY OWN 1,197 UNITS OF AFFORDABLE MULTIFAMILY HOUSING IN ALABAMA, GEORGIA, AND SOUTH CAROLINA. EXPENSES ARE ASSOCIATED WITH ASSET MANAGEMENT OF THE EXISTING PORTFOLIO, DELIVERY OF RESIDENT SERVICES, DEVELOPMENT OF NEW AFFORDABLE HOUSING AND PRESERVATION OF AFFORDABLE HOUSING. 946024 1174995 ECONOMIC DEVELOPMENT: THROUGH ITS WHOLLY OWNED REVOLVING LOAN FUND, NEIGHBORHOOD CONCEPTS, INC. MADE $4,185,157 IN LOANS TO SMALL BUSINESSES AND ENTREPRENEURS IN NORTH ALABAMA FOR START-UP CAPITAL, EQUIPMENT AND WORKING CAPITAL IN 2024. AT YEAR-END, 56% OF LOANS IN PORTFOLIO WERE BUSINESSES OWNED BY MINORITIES, 45% BY WOMEN-OWNED BUSINESSES AND 13% WERE OWNED BY LOW-INCOME INDIVIDUALS. ADDITIONALLY, 80% OF PORTFOLIO DOLLARS WERE DEPLOYED TO BORROWERS IN TARGET MARKETS. 61556 1100 ADVOCACY: NEIGHBORHOOD CONCEPTS ADVOCATES FOR OPPORTUNITIES AND PROGRAMS THAT SUPPORT THE CREATION OF AFFORDABLE HOUSING AND THE ADVANCEMENT OF ECONOMIC OPPORTUNITIES FOR UNDERSERVED PEOPLE AND IN UNDERSERVED COMMUNITIES. ADVOCACY EFFORTS INCLUDE EDUCATION AND AWARENESS AS WELL AS POLICY SUPPORT. 1308349 1 1 0 0 0 0 0 0 0 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 1 14 0 1 6 1 0 0 0 0 0 0 0 0 0 0 0 0 X 12 12 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 AL X X MARY ELLEN JUDAH 2565340075 2808 6TH STREET SW HUNTSVILLE AL 35805 JOANNA BROAD WHITE MEMBER 1.00 X 0 0 0 BILL MCDOWELL SECRETARY 1.00 X X 0 0 0 STEPHEN NORRIS VICE CHAIR 1.00 X X 0 0 0 RONALD CHILDRESS MEMBER 0.50 X 0 0 0 JORDAN KULL MEMBER 0.50 X 0 0 0 JASON BALDWIN TREASURER 0.50 X X 0 0 0 DANIEL TAIT MEMBER 0.50 X 0 0 0 TOMMIE BATTS MEMBER 0.50 X 0 0 0 SHAWN HICKS CHAIR 2.00 X X 0 0 0 NORA HICKMAN MEMBER 1.00 X 0 0 0 KIMBERLY RUCKER MEMBER 1.00 X 0 0 0 GARY TURNER MEMBER 1.00 X 0 0 0 MARY ELLEN JUDAH EXECUTIVE DIRECTOR 40.00 X 157000 0 0 157000 0 0 1 0 1 0 0 139949 139949 LOAN FUND PROGRAM REVE 531390 916895 916895 DEVELOPER & CONSULTING 531390 341898 341898 DEBT RECOVERY 531390 128517 128517 ASSET MANAGEMENT FEES 531390 98702 98702 1486012 76327 76327 NET GAIN/LOSS FROM INV 531390 36194 36194 MISCELLANEOUS INCOME 531390 10600 10600 46794 1749082 1609133 0 0 157000 157000 354550 255890 89102 9558 37914 30642 7272 5640 5640 23447 20364 3083 94481 91420 3061 12454 10720 1734 13123 10860 2263 5788 4914 874 12087 11864 223 4729 4119 610 328723 328373 350 11543 792 10751 34946 29182 5764 PROVISION FOR LOAN LOSS 254832 254832 REPAIRS AND MAINTENANCE 19541 17101 2440 RESIDENT SERVICES 19202 19202 MISCELLANEOUS 12027 11365 662 52097 44069 8028 1454124 1308349 136217 9558 3026828 1192349 1380958 2500 175433 650731 10564414 12786963 22223 1728 376981 39081 349443 337900 0 612704 14140841 16963333 88049 221483 7778796 10180874 32571 24593 7899416 10426950 X 6210806 6458950 30619 77433 6241425 6536383 14140841 16963333 294958 0 X X 0 1 X 1 0 X 209550 943305 1055029 17761 139949 2365594 209550 943305 1055029 17761 139949 2365594 22520 2343074 5796 3140 5154 52330 76327 142747 8354 19975 25335 53664 2562005 2767747 0.91450 0.90950 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 25000 25000 336353 31039 305314 15628 8042 7586 337900 DEFICIT INVESTMENT IN PARTNERSHIPS 24593 24593 X PART X, LINE 2: NCI IS A NOT-FOR-PROFIT ORGANIZATION THAT IS EXEMPT FROM INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE EXCEPT FOR NET REVENUE DERIVED FROM ANY UNRELATED BUSINESS ACTIVITIES. NCI IS NOT A PRIVATE FOUNDATION. NCI FILES A TAX RETURN IN THE UNITED STATES (U.S.) FEDERAL JURISDICTION. THE LOAN FUND IS CONSIDERED A DISREGARDED ENTITY AND INCLUDED IN NCI'S TAX RETURN. NCI'S SUBSIDIARIES, WITH THE EXCEPTION OF THE ENTITIES LISTED BELOW, ARE LIMITED PARTNERSHIPS AND LIMITED LIABILITY COMPANIES AND HAVE ELECTED TO BE TREATED AS PASS-THROUGH ENTITIES FOR INCOME TAX PURPOSES AND, AS SUCH, ARE NOT SUBJECT TO INCOME TAXES. FRANKLIN HOUSING, LLC, NBA, INC., NCI AIKEN HOUSING, LLC, NCI CLARKSTON, LLC, NCI FLINT RIVER, LLC, NCI GROVE AT INDIAN CREEK, LLC, NCI INDIAN CREEK, LLC, NCI OLD MONROVIA, INC. AND SPRING BRANCH, LLC HAVE ELECTED TO BE TAXED AS CORPORATIONS FOR FEDERAL INCOME TAX PURPOSES. ALL RELATED TAXES PAID BY THESE CORPORATIONS, IF ANY, ARE INCLUDED IN TAXES AND LICENSES ON THE ACCOMPANYING CONSOLIDATED STATEMENT OF ACTIVITIES. THE OTHER SUBSIDIARIES' TAXABLE INCOME OR LOSS AND TAX CREDITS ARE ALLOCATED TO PARTNERS/MEMBERS IN ACCORDANCE WITH THEIR RESPECTIVE PERCENTAGE OWNERSHIP AND ARE REPORTED BY THEIR OWNERS ON THEIR RESPECTIVE INCOME TAX RETURNS. THEREFORE, NO PROVISION OR LIABILITY FOR INCOME TAXES FOR THESE SUBSIDIARIES HAS BEEN INCLUDED IN THE CONSOLIDATED FINANCIAL STATEMENTS. MANAGEMENT BELIEVES THAT EACH ENTITY HAS APPROPRIATE SUPPORT FOR ANY TAX POSITIONS TAKEN AFFECTING ITS ANNUAL FILING REQUIREMENTS, AND AS SUCH, DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS THAT ARE MATERIAL TO THE CONSOLIDATED FINANCIAL STATEMENTS. THE ORGANIZATION WOULD RECOGNIZE FUTURE ACCRUED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS AND LIABILITIES IN INCOME TAX EXPENSE IF SUCH INTEREST AND PENALTIES ARE INCURRED. 1 X 0 0 0 0 0 0 0 0 0 MARY ELLEN JUDAH EXECUTIVE DIRECTOR 157000 0 0 0 0 0 0 0 0 0 157000 0 0 0 PART I, LINE 3 THE EXECUTIVE COMMITTEE CONDUCTS AN ANNUAL REVIEW AND MAKES A RECCOMENDATION TO THE FULL BOARD FOR APPROVAL EACH YEAR. FORM 990, PART VI, SECTION B, LINE 11B A DRAFT FORM 990 IS PREPARED BY NEIGHBORHOOD CONCEPTS INC.'S ACCOUNTANTS AND SUBMITTED TO THE EXECUTIVE DIRECTOR. THE EXECUTIVE DIRECTOR AND CHAIRMAN OF THE BOARD REVIEW THE DRAFT RETURN AND PROVIDE THE ACCOUNTANT WITH ANY CHANGES OR CORRECTIONS. ONCE A REVISED DRAFT HAS BEEN PREPARED BY THE ACCOUNTANTS, A COPY OF THE REVISED DRAFT IS SUBMITTED TO THE AUDIT COMMITTEE AND FULL BOARD OF DIRECTORS FOR THEIR REVIEW AND COMMENT. THE FINAL RETURN IS PREPARED AND FILED WITH THE IRS AFTER THE AUDIT COMMITTEE AND FULL BOARD HAVE COMPLETED THEIR REVIEW AND PROVIDED ANY COMMENTS. FORM 990, PART VI, SECTION B, LINE 12C WHEN A BOARD MEMBER'S INITIAL TERM COMMENCES OR A NEW STAFF PERSON IS HIRED, THEY ARE PROVIDED WITH A COPY OF NEIGHBORHOOD CONCEPTS INC.'S CONFLICT OF INTEREST POLICY. EACH BOARD/STAFF MEMBER IS ASKED TO SIGN THEIR ACKNOWLEDGEMENT AND AGREEMENT TO THE CODE OF ETHICS AT THAT TIME. ANNUALLY, BOARD MEMBERS AND STAFF MEMBERS ARE REQUIRED TO COMPLETE A CONFLICT OF INTEREST ACKNOWLEGEMENT & DISCLOSURE. THESE ANNUAL DISCLOSURES ARE THEN REVIEWED, AND ANY RELATIONSHIPS, INTERESTS, OR SITUATIONS WHICH MIGHT RESULT IN OR GIVE THE APPEARANCE OF BEING A CONFLICT OF INTEREST ARE BROUGHT TO THE BOARD FOR DISCUSSION. FORM 990, PART VI, SECTION B, LINE 15 THE EXECUTIVE COMMITTEE OF NEIGHBORHOOD CONCEPTS MEETS ANNUALLY TO EVALUATE THE PERFORMANCE OF THE EXECUTIVE DIRECTOR AND TO MAKE RECOMMENDATIONS REGARDING COMPENSATION. IN DETERMINING ANNUAL COMPENSATION ADJUSTMENTS, THE EXECUTIVE COMMITTEE TAKES INTO CONSIDERATION NUMEROUS FACTORS INCLUDING THE NATURE OF THE EXECUTIVE DIRECTOR POSITION AT NCI. DUE TO NCI'S LIMITED SIZE, THE EXECUTIVE DIRECTOR'S DUTIES ARE MORE COMPREHENSIVE AND INCLUDE SEVERAL SKILL SETS SUCH AS REAL ESTATE DEVELOPMENT AND BUSINESS LENDING THAT MIGHT NOT TYPICALLY BE PERFORMED BY A NON-PROFIT'S EXECUTIVE DIRECTOR. NCI UTILIZES SALARY WEBSITES TO RESEARCH TYPICAL SALARIES IN SUCH CATAGORIES AS REAL ESTATE DEVELOPMENT DIRECTOR, PROPERTY ACQUISITION MANAGER, GRANTS/PROPOSAL MANAGER AND PROGRAM DIRECTOR. TAKING INTO CONSIDERATION FEEDBACK FROM SIMILAR COMPANIES AND INFORMATION FROM SALARY WEBSITES, A RECOMMENDATION WAS MADE TO THE FULL BOARD OF DIRECTORS. FORM 990, PART VI, SECTION C, LINE 19 A COPY OF THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, OR FINANCIAL STATEMENTS ARE AVAILABLE ON THE WEBSITE OR UPON REQUEST FOR THE SAME PERIOD OF DISCLOSURE AS SET FORTH IN THE IRC SECTION 6104(D). FORM 990, PART XII, LINE 2C THE ORGANIZATION HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT OF THE FINANCIAL STATEMENTS AND SELECTION OF THE INDEPENDENT AUDITOR. THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. 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