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Coville Bay INC

Tax-deductible

Fort Covington, NY501(c)(3)Since 1982EIN 22-2564754Revenue $299K in FY2025

On file with the IRS634 County Route 4, 12937-0000 · Fort Covington, NYTax-exempt since Feb 1988Publicly supported — 509(a)(2)

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The organization maintains three low income apartment buildings (a total of 38 units) for senior citizens built with fmha loans and interest subsidy.

501(c)(3) charity; gifts are tax-deductible.
76¢ of each $1 spent went to programs.
$41K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

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FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
6 of 6
filings with a surplus
Average surplus $49K a year · 14% of revenue · last 6 filings
Looks good: a surplus in 6 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
76%
of spending
Looks good: 76% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$41K
to officers and key staff · 16% of spending
Fine: pay to officers and key staff is 16% of spending; 15% to 20%.
Pt VII · Sec A
Cash reserves
10 mo
of spending, in cash
Looks good: 10.1 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$932K
257% of total assets
Concern: liabilities are 257% of assets; over 80%.
Pt X · Ln 26
Independent board members
11
of 11 voting members
Looks good: 11 of 11 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$299K
-24% vs prior year
Spent
$254K
To programs
76%
Net assets
−$570K
By yearFY2020–FY2025
Revenue
$299K
FY2025▼ -24%
Tap a bar for its year
Revenue by fiscal year
FY2020$363K
FY2021$357K
FY2022$368K
FY2023$377K
FY2024$393K
FY2025$299K
Expenses
$254K
FY2025▼ -20%
Tap a bar for its year
Expenses by fiscal year
FY2020$305K
FY2021$323K
FY2022$339K
FY2023$326K
FY2024$317K
FY2025$254K
Net assets
−$570K
FY2025▲ +7%
Tap a bar for its year
Net assets by fiscal year
FY2020−$806K
FY2021−$772K
FY2022−$742K
FY2023−$690K
FY2024−$615K
FY2025−$570K

From the FY2025 Form 990 · see the original

990 PDF Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Feb 1988.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

76 cents of each dollar spent went to programs.

Program services 76% · $193K Management & general 24% · $61K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

12 people listed on the 990; $41K paid to officers and key staff.

Part VII, Section A · reportable compensation
$40,800Pt VII · Sec A
William Armstrong
Vice President
$0Pt VII · Sec A
$0Pt VII · Sec A
Ann Dabiew
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Donald Dabiew
President
$0Pt VII · Sec A
$0Pt VII · Sec A

Compensation history total reportable pay by year · 1 named individual · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Tammy Francis$40,800$40,800$41,473$38,025$31,000$30,542

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Provides affordable apartments for senior citizens.

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Provided by the organization

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1 program · $193K · in their own filed words · FY2025
01

Elderly subsidized housing

$193Kprogram expense

By the numbers

The FY2025 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$299K
Ln 12
Fees for servicesLn 2g$285K
Investment incomeLn 3$11K
Other incomeLn 4–11$3K
Money outPt IX
$254K
Ln 25
Programscol B$193K
Managementcol C$61K
Owns and owesPt X
−$570K
net assets · Ln 32
Cash and savingsLn 1–2$213K
Total assetsLn 16$362K
LiabilitiesLn 26$932K
PeoplePt VI, VII
12
listed · VII A
PaidVII A1
Voting boardVI 1a11
IndependentVI 1b11
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$285K
Investment incomeLn 3$11K
Other incomeLn 4–11$3K
Total revenueLn 12$299K
Assets in detailPt X, end of year
CashLn 1$29K
SavingsLn 2$184K
Cash and savings togetherLn 1–2$213K
Land, buildings, equipmentLn 10c$135K
Other assetsLn 15$0
Total assetsLn 16$362K
LiabilitiesLn 26$932K
Net assetsLn 32−$570K
OperationsPt I, VI
EmployeesI 55
VolunteersI 60
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13No
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$211K$213K
Land, buildings, equipmentLn 10c$148K$135K
Total assetsLn 16$372K$362K
LiabilitiesLn 26$987K$932K
Net assetsLn 32−$615K−$570K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$41K$41K
Other salaries and wagesLn 7$46K$46K
Payroll taxesLn 10$8K$7K$358
Other fees for servicesLn 11g$25K$15K$10K
Advertising and promotionLn 12$538$538
Office expensesLn 13$5K$5K
OccupancyLn 16$22K$22K
Depreciation, depletion and amortizationLn 22$21K$21K
InsuranceLn 23$25K$25K
Other expenses (24a–d)Ln 24$57K$53K$4K
All other expensesLn 24e$4K$4K
Total functional expensesLn 25$254K$193K$61K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $299K$254K$45K−$570K 990 PDF
FY2024 $393K$317K$76K−$615K 990 PDF
FY2023 $377K$326K$51K−$690K 990 PDF
FY2022 $368K$339K$29K−$742K 990 PDF
FY2021 $357K$323K$35K−$772K 990 PDF
FY2020 $363K$305K$58K−$806K 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (6 parts)
Part I · Summary $299,009 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $102,498$0
I-9 Program service revenuePrior year $286,971$284,772
I-10 Investment incomePrior year $864$10,750
I-11 Other revenuePrior year $2,213$3,487
I-12 Total revenuePrior year $392,546$299,009
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $90,659$93,946
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $226,102$159,746
I-18 Total expensesPrior year $316,761$253,692
I-19 Revenue less expensesPrior year $75,785$45,317
Part VI · Governance 11 of 11 board members independent, 2 to look at
VI-1a Voting members of the governing body11
VI-1b Independent voting members11
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $299,009 across 4 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $284,772$284,772
VIII-3 Investment incomeExcluded from tax $10,750$10,750
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Excluded from tax $3,487$3,487
VIII-12 Total revenueRelated to mission $284,772 · Unrelated business $0 · Excluded from tax $14,237$299,009
Part IX · Statement of functional expenses $253,692 across 11 lines filed
IX-5 Pay of current officers, directors and key staffManagement $40,800$40,800
IX-7 Other salaries and wagesPrograms $45,594$45,594
IX-10 Payroll taxesPrograms $7,194 · Management $358$7,552
IX-11g Other fees for servicesPrograms $15,468 · Management $9,800$25,268
IX-12 Advertising and promotionManagement $538$538
IX-13 Office expensesManagement $5,007$5,007
IX-16 OccupancyPrograms $21,892$21,892
IX-22 Depreciation, depletion and amortizationPrograms $21,118$21,118
IX-23 InsurancePrograms $24,813$24,813
IX-24 Other expenses (24a–d)Programs $52,722 · Management $4,300$57,022
IX-24e All other expensesPrograms $4,088$4,088
IX-25 Total functional expensesPrograms $192,889 · Management $60,803 · Fundraising $0$253,692
Part X · Balance sheet $362,407 assets, 13 lines filed
X-1 Cash, non-interest-bearingStart of year $41,052$29,022
X-2 Savings and temporary cash investmentsStart of year $169,909$183,720
X-4 Accounts receivableStart of year $4,621$9,337
X-9 Prepaid expenses and deferred chargesStart of year $7,454$5,266
X-10c Land, buildings and equipment, netStart of year $147,812$135,062
X-15 Other assetsStart of year $672$0
X-16 Total assetsStart of year $371,520$362,407
X-17 Accounts payable and accrued expensesStart of year $7,603$767
X-25 Other liabilitiesStart of year $8,408$7,391
X-26 Total liabilitiesStart of year $986,667$932,237
X-27 Net assets without donor restrictionsStart of year −$615,147−$569,830
X-32 Total net assets or fund balancesStart of year −$615,147−$569,830
X-33 Total liabilities and net assetsStart of year $371,520$362,407
Part XI · Reconciliation of net assets −$569,830 net assets at year end
XI-1 Total revenue$299,009
XI-2 Total expenses$253,692
XI-3 Revenue less expenses$45,317
XI-4 Net assets at start of year−$615,147
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year−$569,830

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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