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        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>MICHAEL WU</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>BRIAN RIEBER</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>JANE MAAS</PersonNm>
        <TitleTxt>BOARD MEMBER</TitleTxt>
        <AverageHoursPerWeekRt>2.00</AverageHoursPerWeekRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <TotalReportableCompFromOrgAmt>157674</TotalReportableCompFromOrgAmt>
      <TotReportableCompRltdOrgAmt>0</TotReportableCompRltdOrgAmt>
      <TotalOtherCompensationAmt>33505</TotalOtherCompensationAmt>
      <IndivRcvdGreaterThan100KCnt>0</IndivRcvdGreaterThan100KCnt>
      <FormerOfcrEmployeesListedInd>0</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>0</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>0</CompensationFromOtherSrcsInd>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>ET'S GENERAL CONTRACTING</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>151 FISHER SETTLEMENT ROAD</AddressLine1Txt>
            <CityNm>SPENCER</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>14883</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>HOME REPAIR VENDOR</ServicesDesc>
        <CompensationAmt>243765</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>BINGHAMTON PLATE GLASS</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>430 STATE ST</AddressLine1Txt>
            <CityNm>BINGHAMTON</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13901</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>LM EXTERIOR DOORS</ServicesDesc>
        <CompensationAmt>124500</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>AJC SENIORS INC</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>152 E HAMTON RD</AddressLine1Txt>
            <CityNm>BINGHAMTON</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>13903</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>AGING HOME CARE</ServicesDesc>
        <CompensationAmt>112965</CompensationAmt>
      </ContractorCompensationGrp>
      <ContractorCompensationGrp>
        <ContractorName>
          <BusinessName>
            <BusinessNameLine1Txt>FENIX ROOFING LLC</BusinessNameLine1Txt>
          </BusinessName>
        </ContractorName>
        <ContractorAddress>
          <USAddress>
            <AddressLine1Txt>1519 CEDAR ST</AddressLine1Txt>
            <CityNm>ELMIRA</CityNm>
            <StateAbbreviationCd>NY</StateAbbreviationCd>
            <ZIPCd>14904</ZIPCd>
          </USAddress>
        </ContractorAddress>
        <ServicesDesc>HOME REPAIR VENDOR</ServicesDesc>
        <CompensationAmt>106915</CompensationAmt>
      </ContractorCompensationGrp>
      <CntrctRcvdGreaterThan100KCnt>4</CntrctRcvdGreaterThan100KCnt>
      <GovernmentGrantsAmt>5544814</GovernmentGrantsAmt>
      <AllOtherContributionsAmt>47452</AllOtherContributionsAmt>
      <TotalContributionsAmt>5592266</TotalContributionsAmt>
      <ProgramServiceRevenueGrp>
        <Desc>TENANT RENT</Desc>
        <BusinessCd>624200</BusinessCd>
        <TotalRevenueColumnAmt>541072</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>541072</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>3RD PARTY REVENUE</Desc>
        <BusinessCd>624200</BusinessCd>
        <TotalRevenueColumnAmt>170896</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>170896</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>OTHER PROGRAM REVENUE</Desc>
        <BusinessCd>624100</BusinessCd>
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        <RelatedOrExemptFuncIncomeAmt>131774</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>PROGRAM PARTICIPANT RE</Desc>
        <BusinessCd>624100</BusinessCd>
        <TotalRevenueColumnAmt>73869</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>73869</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>LAUNDRY INCOME</Desc>
        <BusinessCd>624200</BusinessCd>
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        <RelatedOrExemptFuncIncomeAmt>8329</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalOthProgramServiceRevGrp>
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        <RelatedOrExemptFuncIncomeAmt>3370</RelatedOrExemptFuncIncomeAmt>
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      <InvestmentIncomeGrp>
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        <ExclusionAmt>29521</ExclusionAmt>
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      <GrossAmountSalesAssetsGrp>
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      </GrossAmountSalesAssetsGrp>
      <LessCostOthBasisSalesExpnssGrp>
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      <NetGainOrLossInvestmentsGrp>
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        <ExclusionAmt>1407</ExclusionAmt>
      </NetGainOrLossInvestmentsGrp>
      <OtherRevenueMiscGrp>
        <Desc>LOSS ON DISPOSAL OF AS</Desc>
        <BusinessCd>624200</BusinessCd>
        <TotalRevenueColumnAmt>-9830</TotalRevenueColumnAmt>
        <ExclusionAmt>-9830</ExclusionAmt>
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      <TotalRevenueGrp>
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        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>21098</ExclusionAmt>
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      <CompCurrentOfcrDirectorsGrp>
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        <ProgramServicesAmt>2235886</ProgramServicesAmt>
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      <PensionPlanContributionsGrp>
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      <OtherEmployeeBenefitsGrp>
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      <PayrollTaxesGrp>
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        <ProgramServicesAmt>164728</ProgramServicesAmt>
        <ManagementAndGeneralAmt>19372</ManagementAndGeneralAmt>
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      <FeesForServicesLegalGrp>
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        <ProgramServicesAmt>12566</ProgramServicesAmt>
        <ManagementAndGeneralAmt>9225</ManagementAndGeneralAmt>
      </FeesForServicesLegalGrp>
      <FeesForServicesAccountingGrp>
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        <ProgramServicesAmt>21000</ProgramServicesAmt>
        <ManagementAndGeneralAmt>39000</ManagementAndGeneralAmt>
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      <FeesForServicesOtherGrp>
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        <ProgramServicesAmt>195206</ProgramServicesAmt>
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      <AdvertisingGrp>
        <TotalAmt>139142</TotalAmt>
        <ProgramServicesAmt>134339</ProgramServicesAmt>
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      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>6272</TotalAmt>
        <ProgramServicesAmt>6272</ProgramServicesAmt>
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      <InformationTechnologyGrp>
        <TotalAmt>129833</TotalAmt>
        <ProgramServicesAmt>95385</ProgramServicesAmt>
        <ManagementAndGeneralAmt>34448</ManagementAndGeneralAmt>
      </InformationTechnologyGrp>
      <OccupancyGrp>
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        <ProgramServicesAmt>268124</ProgramServicesAmt>
        <ManagementAndGeneralAmt>560</ManagementAndGeneralAmt>
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      <TravelGrp>
        <TotalAmt>68003</TotalAmt>
        <ProgramServicesAmt>66899</ProgramServicesAmt>
        <ManagementAndGeneralAmt>1104</ManagementAndGeneralAmt>
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      <ConferencesMeetingsGrp>
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        <ProgramServicesAmt>47139</ProgramServicesAmt>
        <ManagementAndGeneralAmt>21189</ManagementAndGeneralAmt>
      </ConferencesMeetingsGrp>
      <InterestGrp>
        <TotalAmt>44757</TotalAmt>
        <ProgramServicesAmt>24534</ProgramServicesAmt>
        <ManagementAndGeneralAmt>20223</ManagementAndGeneralAmt>
      </InterestGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>461385</TotalAmt>
        <ProgramServicesAmt>351093</ProgramServicesAmt>
        <ManagementAndGeneralAmt>110292</ManagementAndGeneralAmt>
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      <InsuranceGrp>
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        <ProgramServicesAmt>225917</ProgramServicesAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>INDIVIDUAL ASSISTANCE</Desc>
        <TotalAmt>1231145</TotalAmt>
        <ProgramServicesAmt>1120819</ProgramServicesAmt>
        <ManagementAndGeneralAmt>110326</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>MISCELLANEOUS</Desc>
        <TotalAmt>279310</TotalAmt>
        <ProgramServicesAmt>26009</ProgramServicesAmt>
        <ManagementAndGeneralAmt>253301</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>OTHER SUPPLIES</Desc>
        <TotalAmt>199999</TotalAmt>
        <ProgramServicesAmt>197233</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2766</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>BUILDING MAINTENANCE</Desc>
        <TotalAmt>145762</TotalAmt>
        <ProgramServicesAmt>145762</ProgramServicesAmt>
        <ManagementAndGeneralAmt>0</ManagementAndGeneralAmt>
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      <AllOtherExpensesGrp>
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        <ProgramServicesAmt>224452</ProgramServicesAmt>
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      <TotalFunctionalExpensesGrp>
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        <ProgramServicesAmt>5892551</ProgramServicesAmt>
        <ManagementAndGeneralAmt>909091</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
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      <CashNonInterestBearingGrp>
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        <EOYAmt>42013</EOYAmt>
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      <SavingsAndTempCashInvstGrp>
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        <EOYAmt>320342</EOYAmt>
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      <PledgesAndGrantsReceivableGrp>
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        <EOYAmt>2000703</EOYAmt>
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      <InventoriesForSaleOrUseGrp>
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      <PrepaidExpensesDefrdChargesGrp>
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        <EOYAmt>75489</EOYAmt>
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      <LandBldgEquipBasisNetGrp>
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        <EOYAmt>3662351</EOYAmt>
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      <InvestmentsPubTradedSecGrp>
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        <EOYAmt>119430</EOYAmt>
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        <EOYAmt>81392</EOYAmt>
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        <EOYAmt>6430961</EOYAmt>
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        <EOYAmt>2100937</EOYAmt>
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        <EOYAmt>3946175</EOYAmt>
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      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>2736347</BOYAmt>
        <EOYAmt>2484786</EOYAmt>
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        <EOYAmt>6430961</EOYAmt>
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      <OtherChangesInNetAssetsAmt>0</OtherChangesInNetAssetsAmt>
      <InfoInScheduleOPartXIIInd>X</InfoInScheduleOPartXIIInd>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>0</AccountantCompileOrReviewInd>
      <FSAuditedInd>1</FSAuditedInd>
      <FSAuditedBasisGrp>
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      <FederalGrantAuditRequiredInd>1</FederalGrantAuditRequiredInd>
      <FederalGrantAuditPerformedInd>1</FederalGrantAuditPerformedInd>
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    <IRS990ScheduleA documentId="RetDoc1039100001">
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      <GiftsGrantsContriRcvd170Grp>
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        <CurrentTaxYearMinus3YearsAmt>5024558</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>5122447</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>5720044</CurrentTaxYearMinus1YearAmt>
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        <CurrentTaxYearAmt>5592266</CurrentTaxYearAmt>
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        <CurrentTaxYearMinus3YearsAmt>219</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>92</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>22286</CurrentTaxYearMinus1YearAmt>
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      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
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    <IRS990ScheduleB documentId="RetDoc1234500001">
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        <ContributorBusinessName>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorBusinessName>
        <ContributorUSAddress>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
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      <BuildingsGrp>
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      </EquipmentGrp>
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      <OtherLiabilitiesOrgGrp>
        <Desc>TENANT DEPOSITS HELD IN TRUST</Desc>
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      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>76392</TotalLiabilityAmt>
      <FootnoteTextInd>X</FootnoteTextInd>
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      <NetUnrealizedGainsInvstAmt>7407</NetUnrealizedGainsInvstAmt>
      <RevenueNotReportedAmt>7407</RevenueNotReportedAmt>
      <RevenueSubtotalAmt>6542674</RevenueSubtotalAmt>
      <RevenueNotReportedFinclStmtAmt>0</RevenueNotReportedFinclStmtAmt>
      <TotalRevenuePerForm990Amt>6542674</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>6801642</TotExpnsEtcAuditedFinclStmtAmt>
      <ExpensesNotReportedAmt>0</ExpensesNotReportedAmt>
      <ExpensesSubtotalAmt>6801642</ExpensesSubtotalAmt>
      <ExpensesNotRptFinclStmtAmt>0</ExpensesNotRptFinclStmtAmt>
      <TotalExpensesPerForm990Amt>6801642</TotalExpensesPerForm990Amt>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>PART X, LINE 2:</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION IS A NON-PROFIT ORGANIZATION EXEMPT FROM FEDERAL AND STATE INCOME TAXATION UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE AND APPLICABLE STATE REGULATIONS. THE ORGANIZATION FILES FORM 990 TAX RETURNS IN VARIOUS JURISDICTIONS AND IS SUBJECT TO POTENTIAL EXAMINATION BY TAXING AUTHORITIES. THE ORGANIZATION'S CURRENT AND PRIOR THREE YEARS TAX RETURNS REMAIN SUBJECT TO POTENTIAL AUDIT BY TAXING AUTHORITIES. MANAGEMENT OF THE ORGANIZATION BELIEVES IT HAS NO MATERIAL UNCERTAIN TAX POSITIONS AND, ACCORDINGLY IT HAS NOT RECOGNIZED ANY LIABILITY FOR UNRECOGNIZED TAX BENEFITS.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc1044400001">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>REVIEW WAS CONDUCTED BY THE FINANCE COMMITTEE BEFORE SUBMISSION WAS COMPLETED.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>ANNUALLY, DIRECTORS SIGN CONFLICT OF INTEREST STATEMENTS. AT EACH MEETING, IF A CONFLICT OF INTEREST ARRISES, THE INDIVIDUALS INVOLVED DO NOT VOTE OR SPEAK ON THE TOPIC.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 15</FormAndLineReferenceDesc>
        <ExplanationTxt>THE EXECUTIVE DIRECTOR HAS DISCRETION TO SET COMPENSATION FOR KEY EMPLOYEES WITHIN A RANGE OF SALARIES THAT ARE APPROVED BY THE BOARD. ALL COMPENSATION IS APPROVED BY THE BOARD AFTER REVIEWING SALARY OF COMPARABLE NON-PROFITS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION C, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>POLICIES AND FINANCIALS ARE POSTED ON WEBSITE. COPIES ARE ALSO AVAILABLE AT TIOGA OPPORTUNITIES, INC.'S MAIN BUILDING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>PART XII, LINE 2C</FormAndLineReferenceDesc>
        <ExplanationTxt>NO CHANGE FROM PRIOR YEAR.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
    <IRS990ScheduleR documentId="RetDoc1043400001">
      <IdDisregardedEntitiesGrp>
        <DisregardedEntityName>
          <BusinessNameLine1Txt>NICHOLS HOUSING ASSOCIATES LLC</BusinessNameLine1Txt>
        </DisregardedEntityName>
        <USAddress>
          <AddressLine1Txt>9 SHELDON GUILE BLVD</AddressLine1Txt>
          <CityNm>OWEGO</CityNm>
          <StateAbbreviationCd>NY</StateAbbreviationCd>
          <ZIPCd>13827</ZIPCd>
        </USAddress>
        <EIN>161499830</EIN>
        <PrimaryActivitiesTxt>HOUSING FOR ELDERLY</PrimaryActivitiesTxt>
        <LegalDomicileStateCd>NY</LegalDomicileStateCd>
        <TotalIncomeAmt>95649</TotalIncomeAmt>
        <EndOfYearAssetsAmt>614633</EndOfYearAssetsAmt>
        <DirectControllingEntityName>
          <BusinessNameLine1Txt>TIOGA OPPORTUNITIES INC</BusinessNameLine1Txt>
        </DirectControllingEntityName>
      </IdDisregardedEntitiesGrp>
    </IRS990ScheduleR>
  </ReturnData>
</Return>