2025-12-12T08:48:36-06:00 2025-03-31 333303535 EFPR ADVISORY LLC 6390 MAIN STREET SUITE 200 WILLIAMSVILLE NY 14221 990 2024-04-01 141626314 FRIENDS OF THE NORTH COUNTRY INC FRIE 5182935045 1387 HARDSCRABBLE ROAD CADYVILLE NY 12918 CRYSTAL NARDUCCI EXECUTIVE DIRECTOR 5182935045 2025-12-10 1 0 DAVID A URBAN CPA P00630018 7166340700 2025-12-10 2024 2025-03-06 01:10:19Z CRYSTAL NARDUCCI 1387 HARDSCRABBLE ROAD CADYVILLE NY 12918 2388943 0 X WWW.FRIENDSOFTHENORTHCOUNTRY.ORG X 1981 NY PROVIDE THE MEANS FOR THE ECONOMICALLY DISADVANTAGED TO ACHIEVE DECENT, SAFE HOUSING. 7 7 9 0 0 0 3899675 2258374 146778 130439 98 130 0 0 4046551 2388943 0 0 0 0 715690 737443 0 0 0 3433056 1695694 4148746 2433137 -102195 -44194 1100549 1011743 242799 198187 857750 813556 X PROVIDE THE MEANS FOR THE ECONOMICALLY DISADVANTAGED TO ACHIEVE DECENT, SAFE HOUSING. 0 0 124369 130439 SEE SCHEDULE O:RURAL PRESERVATION: FUNDS ARE USED TO RESEARCH AND DEVELOP APPLICATIONS TO NYS HOUSING TRUST FUND FOR HOME, COMMUNITY DEVELOPMENT BLOCK GRANT (CDBG), ACCESS TO HOME AND THE NYS MANUFACTURED MOBILE HOME REPLACEMENT PROGRAM (MMHR) FOR FUNDS TO REHABILITATE AND REPLACE HOUSING FOR LOW-INCOME HOMEOWNERS. 3 HUD CDBG (MUNICIPAL) APPLICATIONS WERE SUBMITTED. NEW YORK STATE MANUFACTURED HOME REPLACEMENT (MMHR), NEW YORK STATE ACCESS TO HOME, AND HOME REHABILITATION APPLICATIONS WERE SUBMITTED, ALL WERE AWARDED. PRESERVATIONS FUNDS ARE ALSO USED TO SUPPORT HAZARD MITIGATION PLANNING ACTIVITIES THAT ENHANCE COMMUNITY STABILIZATION AND IMPROVEMENT GOALS CONSISTENT WITH STRATEGIC AND COMPREHENSIVE PLANS IN THE REGION. FUNDS ARE ALSO UTILIZED TO SUPPORT WORK WITH THE CLINTON COUNTY HOUSING COALITION, A GROUP DEDICATED TO ENDING HOMELESSNESS IN THE COUNTY. RURAL PRESERVATION FUNDS PROVIDE, IN PART, FOR EMPLOYEE SALARIES AND BENEFITS, BASIC OPERATIONAL COSTS, AND TRAINING AND EDUCATION OF STAFF. 145858 SEE SCHEDULE O:HOUSING ASSISTANCE: STAFF COUNSELED AND/OR ASSISTED 210 CONSUMERS. THIS ACTIVITY SUPPORTS THE DELIVERY OF A WIDE VARIETY OF HOUSING COUNSELING SERVICES TO HOME BUYERS, HOMEOWNERS,RENTERS AND THE HOMELESS. THE PRIMARY OBJECTIVE OF THE PROGRAM IS TO EDUCATE INDIVIDUALS AND FAMILIES TO HELP THEM MAKE INFORMED DECISIONS REGARDING THE IMPROVEMENT OF THEIR HOUSING STATUS, TO MEET THE RESPONSIBILITIES OF HOMEOWNERSIHP AND TENANCY. COUNSELORS HELP BORROWERS AVOID HIGH INTERESTRATE MORTGAGES, UNAFFORDABLE REPAYMENT TERMS,AND OTHER SITUATIONS THAT CAN LEAD TO LOSS OF EQUITY, INCREASED DEBT, DEFAULT, AND FORECLOSURE. HOUSING COUNSELORS DISTRIBUTE AND PROVIDE A RESOURCE FOR FAIR HOUSING AND FAIR LENDING INFORMATION. COUNSELING IS PROVIDED THROUGH COUNSELOR-TO-CLIENT ASSISTANCE THAT ADDRESSES UNIQUE FINANCIAL CIRCUMSTANCES AND HOUSING ISSUES, AND FOCUSES ON OVERCOMING SPECIFIC OBSTACLES TO ACHIEVE HOUSING GOALS SUCH AS REPAIRING CREDIT, ADDRESSING RENTAL DISPUTES, HOME PURCHASE, DOWN PAYMENT ASSISTANCE, AND RAISING AWARENESS OF CRITICAL HOUSING, TOPICS SUCH AS PREDATORY LENDING PRACTICES, FAIR LENDING AND FAIR HOUSING REQUIREMENTS, FINDING UNITS ACCESSIBLE FOR DISABLED PERSONS,AVOIDING FORECLOSURE, OR RESOLVING FINANCIAL CRISES. EDUCATION IS PROVIDED THROUGH FORMAL CLASSES WITH ESTABLISHED CURRICULUM AND INSTRUCTIONAL GOALS - PROVIDED IN A GROUP OR CLASSROOM SETTING, OR OTHER FORMATS APPROVED BY HUD COVERING TOPICS INCLUDING BUT NOT LIMITED TO: (1) RENTER RIGHT (2) THE HOME BUYING PROCESS (3) HOME MAINTENANCE (4) BUDGETING (5) FAIR HOUSING (6) IDENTIFYING AND REPORTING PREDATORY LENDING PRACTICES (7) RIGHTS FOR PERSONS WITH DISABILITIES (8) AND THE IMPORTANCE OF GOOD CREDIT. THE HOUSING COUNSELING PROGRAM IS INSTRUMENTAL TO ACHIEVEMENT OF FRIENDS MISSION. 1975520 SEE SCHEDULE O:THE OWNER-OCCUPIED HOUSING REHABILITATION AND REPLACEMENT PROGRAM ASSISTED 93 HOUSEHOLDS. THE EMPHASIS OF THE PROGRAM IS TO ELIMINATE HOUSING CONDITIONS THAT ARE DETRIMINAL TO THE HEALTH, SAFETY, AND PUBLIC WELFARE THROUGH CODE ENFORCEMENT, DEMOLITION OF DILAPIDATED UNITS, HOUSING REHABILITATION AND RELATED ACTIVITIES, AND TO PRESERVE LOCAL AFFORDABLE HOUSING STOCK. THE PROGRAM ADDRESSES ENERGY EFFICIENCY OF UNITS BOTH FOR SAVINGS AS WELL AS THE ENVIRONMENT. THE PROGRAM INCLUDES FEDERAL AND STATE DEFERRED PAYMENT LOANS (GRANTS) TO ELIGIBLE PROPERTY OWNERS TO PROVIDE SAFE, DECENT HOUSING, A SUITABLE LIVING ENVIRONMENT, AND EXPANDED ECONOMIC OPPORTUNITIES PRIMARILY FOR LOW AND MODERATE INCOME PERSONS IN THE SURROUNDING COMMUNITIES. LOANS THROUGH THE OWNER OCCUPIED HOUSING REHABILITATION PROGRAM ARE DEFERRED PAYMENT, NO-INTEREST LOANS THAT ONLY BECOME DUE AND PAYABLE UPON SALE, RENTAL, REFINANCE (SOME), OR TRANSFER OF THE PROPERTY. THE LOAN IS FORGIVEN IF THE OWNER RESIDES IN THE PROPERTY FOR THE SPECIFIED TERM OF THE LOAN (VARIES BY PROGRAM SOURCE AND AMOUNT OF FUNDS). THERE ARE NO MONTHLY PAYMENTS REQUIRED WITH THE LOANS WHICH ARE SECURED IN MOST PROGRAMS, BY A MORTGAGE ON THE PROPERTY. DUE TO HIGH DEMAND, THERE IS A LONG WAITING LIST FOR THESE SERVICES. 2245747 1 1 0 0 0 0 0 0 1 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 5 0 1 9 1 0 0 0 0 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 0 0 0 1 1 0 0 0 1 1 1 1 1 1 0 0 NY X CRYSTAL NARDUCCI 5182935045 1387 HARDSCRABLLE RD CADYVILLE NY 12918 BRUCE GARCIA CHAIRMAN 2.00 0.00 X X 0 0 0 GRETCHEN CROWNINGSHIELD VICE CHAIRMAN 1.00 0.00 X X 0 0 0 AMBER BROWN-ROSE SECRETARY 1.00 0.00 X X 0 0 0 MARK KAISER TREASURER 2.00 0.00 X X 0 0 0 STEPHANIE CLARKE DIRECTOR 1.00 0.00 X 0 0 0 ELLIE JENT DIRECTOR 1.00 0.00 X 0 0 0 GABRIELLE DION DIRECTOR 1.00 0.00 X 0 0 0 CRYSTAL NARDUCCI EXECUTIVE DIRECTOR 40.00 0.00 X 140866 0 12570 ALLISON GARFIELD FINANCE MANAGER 40.00 0.00 X 93055 0 15161 233921 0 27731 1 0 1 0 0 2257824 550 2258374 CONTRACTUAL SERVICES I 900001 130439 130439 130439 130 130 2388943 130439 0 130 233921 207848 26073 388816 345477 43339 44000 22066 21934 23132 11600 11532 47574 23858 23716 1202 1040 162 24552 20629 3923 2523 714 1809 12068 4093 7975 8531 7593 938 9980 5166 4814 166 166 16782 410 16372 9924 8832 1092 PROGRAM COSTS 1571661 1571661 REPAIRS AND MAINTENANCE 18767 1751 17016 MISCELLANEOUS 6096 5425 671 DUES AND SUBSCRIPTIONS 5597 1463 4134 7845 6121 1724 2433137 2245747 187390 0 496842 84724 74139 267461 266145 402548 340135 83521 261440 256614 1983 396 1100549 1011743 47401 167153 178572 14170 1769 1769 15057 15095 242799 198187 X 857750 813556 857750 813556 1100549 1011743 -44194 0 X X 0 1 X 1 1 1 X 3344185 3016271 4565298 3899675 2258374 17083803 3344185 3016271 4565298 3899675 2258374 17083803 17083803 203 216 116 98 130 763 168 85 235 488 17085054 672624 0.99990 0.99990 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 12000 12000 282299 66739 215560 45836 16782 29054 256614 COMPENSATED ABSENCES 14589 OPPERATING LEASE LIABILITIES 506 15095 X 2388943 0 2388943 0 2388943 2433137 0 2433137 0 2433137 PART IV, LINE 2B: THE ORGANIZATION ACTS AS THE CUSTODIAN FOR CERTAIN FUNDS OWNED BY A SMALL NONPROFIT ORGANIZATION AND A LOCAL GOVERNMENT. PART X, LINE 2: THE ORGANIZATION IS EXEMPT FROM INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE (THE CODE); THEREFORE, NO PROVISION FOR INCOME TAXES IS REFLECTED IN THE FINANCIAL STATEMENTS. THE ORGANIZATION HAS BEEN CLASSIFIED AS A PUBLICLY SUPPORTED ORGANIZATION THAT IS NOT A PRIVATE FOUNDATION UNDER SECTION 509(A) OF THE CODE. THE ORGANIZATION PRESENTLY DISCLOSES OR RECOGNIZES INCOME TAX POSITIONS BASED ON MANAGEMENT'S ESTIMATE OF WHETHER IT IS REASONABLY POSSIBLE OR PROBABLE THAT A LIABILITY HAS BEEN INCURRED FOR UNRECOGNIZED INCOME TAXES. MANAGEMENT HAS CONCLUDED THAT THE ORGANIZATION HAS TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT IN ITS FINANCIAL STATEMENTS. U.S. FORMS 990 FILED BY THE ORGANIZATION ARE SUBJECT TO EXAMINATION BY TAXING AUTHORITIES. 0 0 0 0 0 0 0 0 0 CRYSTAL NARDUCCI EXECUTIVE DIRECTOR 140866 0 0 0 0 0 3490 0 9080 0 153436 0 0 0 FORM 990, PART VI, SECTION B, LINE 11B THE EXECUTIVE DIRECTOR AND FM REVIEWED THE 990. WHEN SATISFIED THEY FORWARDED A COPY OF THE 990 TO THE MEMBERS OF THE BOARD OF DIRECTORS PRIOR TO FILING THE RETURN. FORM 990, PART VI, SECTION B, LINE 12C POTENTIAL CONFLICTS OF INTEREST ARE REVIEWED BY THE BOARDS AS SITUATIONS ARISE. FORM 990, PART VI, SECTION B, LINE 15A THE BOARD OF DIRECTORS APPROVES THE EXECUTIVE DIRECTOR'S COMPENSATION PACKAGE. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE GENERAL PUBLIC UPON REQUEST. FORM 990, PART XII, LINE 2C: NO CHANGES IN AUDIT OVERSIGHT OR SELECTION OF AN INDEPENDENT ACCOUNTANT IN THE CURRENT YEAR.