Civic Intelligence

Mainestream Finance

EIN 01-0539222 • 501(c)3 • Bangor, ME

Profile

To promote community development and perform all functions permitted as community development financial institution, primarily through financing activities, serving the low income targeted population of the state of maine.

PO Box 1162Bangor, ME 04402

www.mainstreamfinance.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

84th percentile

0.62x

Higher debt load relative to assets than 84% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

96th percentile

7.53x

Higher debt load relative to revenue than 96% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Net Margin

71st percentile

18%

Higher net margin than 71% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

59th percentile

8.2%

Faster asset growth than 59% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

76th percentile

27%

Faster revenue growth than 76% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Assets

Up

$7,474,375

Up $565,494 (+8.2%) from 2023

Liabilities

Up

$4,629,798

Up $457,186 (+11%) from 2023

Net Assets

Up

$2,844,577

Up $108,308 (+4.0%) from 2023

Revenue

Up

$615,035

Up $130,214 (+27%) from 2023

Expenses

Down

$506,727

Down $76,922 (-13%) from 2023

Net Income

Up

$108,308

Up $207,136 (+210%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $2,411,851Liabilities 2010: $1,361,527Net Assets 2010: $1,050,3242010Assets 2011: $2,898,088Liabilities 2011: $1,943,469Net Assets 2011: $954,6192011Assets 2012: $3,850,688Liabilities 2012: $2,919,535Net Assets 2012: $931,1532012Assets 2013: $4,975,379Liabilities 2013: $3,569,220Net Assets 2013: $1,406,1592013Assets 2014: $6,171,100Liabilities 2014: $4,546,385Net Assets 2014: $1,624,7152014Assets 2015: $7,482,330Liabilities 2015: $5,770,041Net Assets 2015: $1,712,2892015Assets 2016: $6,678,912Liabilities 2016: $5,172,023Net Assets 2016: $1,506,8892016Assets 2017: $5,511,379Liabilities 2017: $4,142,989Net Assets 2017: $1,368,3902017Assets 2018: $5,438,648Liabilities 2018: $4,163,945Net Assets 2018: $1,274,7032018Assets 2019: $5,815,024Liabilities 2019: $4,714,110Net Assets 2019: $1,100,9142019Assets 2020: $5,933,338Liabilities 2020: $4,787,173Net Assets 2020: $1,146,1652020Assets 2021: $6,924,505Liabilities 2021: $4,888,459Net Assets 2021: $2,036,0462021Assets 2022: $6,730,189Liabilities 2022: $3,895,092Net Assets 2022: $2,835,0972022Assets 2023: $6,908,881Liabilities 2023: $4,172,612Net Assets 2023: $2,736,2692023Assets 2024: $7,474,375Liabilities 2024: $4,629,798Net Assets 2024: $2,844,5772024

Highlighted filing

2024

Assets$7,474,375
Liabilities$4,629,798
Net Assets$2,844,577

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $314,2802010Expenses 2011: $548,9462011Expenses 2012: $474,1312012Revenue 2013: $1,077,215Expenses 2013: $602,209Net Income 2013: $475,0062013Revenue 2014: $1,181,716Expenses 2014: $963,160Net Income 2014: $218,5562014Revenue 2015: $892,280Expenses 2015: $804,706Net Income 2015: $87,5742015Revenue 2016: $753,799Expenses 2016: $959,199Net Income 2016: -$205,4002016Revenue 2017: $661,099Expenses 2017: $799,598Net Income 2017: -$138,4992017Revenue 2018: $805,718Expenses 2018: $899,406Net Income 2018: -$93,6882018Revenue 2019: $683,490Expenses 2019: $857,279Net Income 2019: -$173,7892019Revenue 2020: $659,119Expenses 2020: $613,868Net Income 2020: $45,2512020Revenue 2021: $1,591,851Expenses 2021: $701,970Net Income 2021: $889,8812021Revenue 2022: $1,442,234Expenses 2022: $643,183Net Income 2022: $799,0512022Revenue 2023: $484,821Expenses 2023: $583,649Net Income 2023: -$98,8282023Revenue 2024: $615,035Expenses 2024: $506,727Net Income 2024: $108,3082024

Highlighted filing

2024

Revenue$615,035
Expenses$506,727
Net Income$108,308

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$7.47$4.63$2.84$0.62$0.51$0.11
2023Detailed filing. Detailed filing data is available for this year.$6.91$4.17$2.74$0.48$0.58$0.10
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.73$3.90$2.84$1.44$0.64$0.80
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$6.92$4.89$2.04$1.59$0.70$0.89
2020Detailed filing. Detailed filing data is available for this year.$5.93$4.79$1.15$0.66$0.61$0.05
2019Detailed filing. Detailed filing data is available for this year.$5.82$4.71$1.10$0.68$0.86$0.17
2018Detailed filing. Detailed filing data is available for this year.$5.44$4.16$1.27$0.81$0.90$0.09
2017Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$5.51$4.14$1.37$0.66$0.80$0.14
2016Detailed filing. Detailed filing data is available for this year.$6.68$5.17$1.51$0.75$0.96$0.21
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.48$5.77$1.71$0.89$0.80$0.09
2014Detailed filing. Detailed filing data is available for this year.$6.17$4.55$1.62$1.18$0.96$0.22
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.98$3.57$1.41$1.08$0.60$0.48
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.85$2.92$0.93$0.47
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.90$1.94$0.95$0.55
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.41$1.36$1.05$0.31
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Aug 13, 2025
Return Version
2023v6.0
Gross Receipts
$615,035
Mission and Program Overview

Mission

To promote community development and perform all functions permitted as community development financial institution, primarily through financing activities servicing the low income targeted population of the state of Maine.

To promote community development and perform all functions permitted as community development financial institution, primarily through financing activities, serving the low income targeted population of the state of maine.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,998,481$5,230,859▲ $232,378
Savings and Temporary Cash Investments$1,092,344$1,552,588▲ $460,244
Cash and Non-Interest-Bearing Accounts$608,702$457,209▼ $151,493
Investments Program Related$145,000$145,000→ $0
Accounts Receivable$60,956$85,496▲ $24,540
Prepaid Expenses and Deferred Charges$3,398$3,223▼ $175
Land, Buildings, and Equipment, Net$0$0→ $0
Total Assets$6,908,881$7,474,375▲ $565,494
Liabilities
Mortgage Notes Payable Secured by Investment Property$2,928,903$3,180,749▲ $251,846
Unsecured Notes Loans Payable$962,213$1,112,213▲ $150,000
Other Liabilities$257,283$299,473▲ $42,190
Accounts Payable and Accrued Expenses$24,213$37,363▲ $13,150
Total Liabilities$4,172,612$4,629,798▲ $457,186
Net Assets / Fund Balance
Net Assets With Donor Restrictions$1,979,819$2,057,662▲ $77,843
Net Assets Without Donor Restrictions$756,450$786,915▲ $30,465
Total Net Assets Fund Balance$2,736,269$2,844,577▲ $108,308
Total Liabilities and Net Assets / Fund Balance$6,908,881$7,474,375▲ $565,494

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$0$52,258$52,258
Compensation and Service Providers

Board Members and Trustees

NameTitle
Kayla DunnBoard Chair
Brent FolsterDirector
Danielle HewesDirector
Harvey Gosselin IiiDirector
Melissa HustonDirector
William BennettDirector
Scott KilcollinsDirector (termed Feb 2024)
Kara HayChief Executive Officer
Denice ConaryChief Financial Officer
Heidi LeblancChief Operating Officer
Revenue and Support

Revenue Composition

Contributions and Grants
$155,000
Program Service Revenue
$457,960
Investment Income
$0
Other Revenue
$2,075
All Other Contributions
$155,000
Change in Net Assets
$108,308

Audited Revenue Reconciliation

Revenue per Audited Statements
$615,035
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$615,035
Total Revenue per Form 990
$615,035
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$427,814
Salaries, Compensation, and Employee Benefits$78,913
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$157,939$1,500-$159,439
Other Salaries and Wages$65,336$6,675-$72,011
All Other Expenses$8,399$35,313-$43,712
Occupancy$35,670$2,383-$38,053
Office Expenses$23,954$2,698-$26,652
Fees for Services Accounting-$25,305-$25,305
Information Technology$1,012$11,813-$12,825
Advertising$1,001$11,683-$12,684
Fees for Services Other$586$6,844-$7,430
Other Employee Benefits$6,902--$6,902
Insurance$428$4,993-$5,421
Fees for Services Legal-$2,916-$2,916
Other Expenses$140$1,636-$1,776
Travel-$317-$317
Total Functional Expenses$389,953$116,774$0$506,727

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$506,727
Total Expenses per Audited Statements$506,727
Total Expenses per Form 990$506,727
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Affiliate$299,473
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

A draft of the mainestream finance form 990 is presented to the finance committee by penquis chief financial officer, denice conary. The committee as designated by the penquis board of directors unanimously approves the filing of the tax return.

Form 990, Part VI, Section B, Line 12C

No person shall be at once an employee of the corporation and a member of the board of directors. No person may serve as a member of the board of directors while that person's husband, wife, child, sibling, or parent is an employee of the corporation. Members of the board of directors may not apply for employment with the corporation, its subsidiaries or delegates. Board of directors may not directly or indirectly solicit or accept gratuities of a monetary value from any recipient of the corporation's services or from any organization with which the corporation has a contractual relationship. Board of directors may not have a financial conflict of interest with the agency. Board of directors may not receive compensation for serving on the board of directors. Board of directors members shall operate as an entity independent of staff employed by the agency. Mainestream finance also has a specific conflict of interest policy which further defines the corporate policy and related practices.

Form 990, Part VI, Section B, Line 15

The ceo's compensation is determined by human resources of the parent organization utilizing an independent compensation survey which is completed every 3 years.

Form 990, Part VI, Section C, Line 19

Governing documents, policies, and financial statements are made available to the public upon written request. The documents are copied and mailed to the requestor as soon as they are available.

Filing and Contact Details

Filer

Filer Name
Mainestream Finance
EIN
01-0539222
Phone
2079733500
Address
PO BOX 1162, BANGOR, ME 04402

Signing Officer

Name
Denice Conary
Title
Chief Financial Officer
Phone
2079733500
Signed
2025-08-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kara Hay
Formed
2000
Legal Domicile
Me
Voting Board Members
6
Independent Board Members
6
Employees
0
Volunteers
14

Preparer

Firm
Wipfli Llp
Address
2501 W BELTLINE HWY STE 501, MADISON, WI 53713
Preparer
Quinn Dugan
Phone
6082741980
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

Mainestream finance is required to assess whether it is more likely than not that a tax position will be sustained upon examination on the technical merits of the position assuming the taxing authority has full knowledge of all information. If the tax position does not meet the more likely than not recognition threshold, the benefit of that position is not recognized in the financial statements. Mainestream finance has determined there are no amounts to record as assets or liabilities related to uncertain tax positions.

Raw XML AppendixShowing 400 of 731 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/AccountsReceivableGrp/EOYAmt085496
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROMOTE COMMUNITY DEVELOPMENT AND PERFORM ALL FUNCTIONS PERMITTED AS COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION, PRIMARILY THROUGH FINANCING ACTIVITIES, SERVING THE LOW INCOME TARGETED POPULATION OF THE STATE OF MAINE.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt011683
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IRS990/Desc0LOAN SERVICING: MAINESTREAM FINANCE PROVIDES LOANS, EDUCATION, AND SERVICES TO ASSIST INDIVIDUALS TO START SMALL BUSINESSES AND ASSIST EXISTING SMALL BUSINESSES TO GROW. ASSISTANCE INCLUDES FINANCE REVIEW, ASSISTANCE WITH A BUSINESS PLAN, FORECLOSURE, DEBT MANAGEMENT, BUDGET AND BUSINESS CASH FLOW COUNSELING. MAINESTREAM FINANCE LOANS FUNDS TO DAY CARE PROVIDERS THAT ARE USED TO ESTABLISH/EXPAND CHILD CARE BUSINESSES IN ORDER TO CREATE JOB OPPORTUNITIES FOR LOW-INCOME INDIVIDUALS. MAINESTREAM FINANCE ALSO OFFERS LOANS TO THOSE WHO CAN NOT QUALIFY FOR OTHER LOAN PRODUCTS AT AN AFFORDABLE RATE. FIRST MORTGAGE LOANS ARE AVAILABLE TO PURCHASE, REHABILITATE OR REFINANCE RESIDENTIAL OWNER-OCCUPIED PROPERTIES. THROUGH EDUCATION PROGRAMS, MAINESTREAM FINANCE FOSTERS SUCCESSFUL HOMEOWNERSHIP, ENTREPRENEURSHIP, AND WEALTH CREATION. FINANCIAL COUNSELING OCCURS PRE- AND POST-LOAN CLOSING. IF BORROWERS QUALIFY FOR USDA/RD LOANS AND/OR MAINE HOUSING'S LOANS, MAINESTREAM FINANCE ENCOURAGES AND ASSISTS THEM TO APPLY FOR THOSE PRODUCTS IF APPROPRIATE. CLASSES ARE OFFERED FOR INDIVIDUALS SEEKING TO PURCHASE A HOME TO LEARN THE PROCESS AND CALCULATIONS INVOLVED IN LOAN PROCESSING, HOME OWNERS INSURANCE, ESCROWS, HOME INSPECTIONS, AND ALL OTHER ASPECTS OF A HOME PURCHASE.
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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR (TERMED FEB 2024)
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHIEF EXECUTIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF OPERATING OFFICER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr02000
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolAndSepBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0615035
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt011813
IRS990/InformationTechnologyGrp/ProgramServicesAmt01012
IRS990/InformationTechnologyGrp/TotalAmt012825
IRS990/InsuranceGrp/ManagementAndGeneralAmt04993
IRS990/InsuranceGrp/ProgramServicesAmt0428
IRS990/InsuranceGrp/TotalAmt05421
IRS990/InterestGrp/ManagementAndGeneralAmt01500
IRS990/InterestGrp/ProgramServicesAmt0157939
IRS990/InterestGrp/TotalAmt0159439
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0145000
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0145000
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt052258
IRS990/LandBldgEquipBasisNetGrp/BOYAmt00
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LandBldgEquipCostOrOtherBssAmt052258
IRS990/LegalDomicileStateCd0ME
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt074
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt074
IRS990/MissionDesc0TO PROMOTE COMMUNITY DEVELOPMENT AND PERFORM ALL FUNCTIONS PERMITTED AS COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION, PRIMARILY THROUGH FINANCING ACTIVITIES, SERVING THE LOW INCOME TARGETED POPULATION OF THE STATE OF MAINE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt02928903
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt03180749
IRS990/NetAssetsOrFundBalancesBOYAmt02736269
IRS990/NetAssetsOrFundBalancesEOYAmt02844577
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0756450
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0786915
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt02383
IRS990/OccupancyGrp/ProgramServicesAmt035670
IRS990/OccupancyGrp/TotalAmt038053
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt02698
IRS990/OfficeExpensesGrp/ProgramServicesAmt023954
IRS990/OfficeExpensesGrp/TotalAmt026652
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt06902
IRS990/OtherEmployeeBenefitsGrp/TotalAmt06902
IRS990/OtherExpensesGrp/Desc0BAD DEBT
IRS990/OtherExpensesGrp/Desc1SUPPLIES AND MAINTENANC
IRS990/OtherExpensesGrp/Desc2DUES AND MEMBERSHIPS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt02698
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11636
IRS990/OtherExpensesGrp/ProgramServicesAmt087955
IRS990/OtherExpensesGrp/ProgramServicesAmt1631
IRS990/OtherExpensesGrp/ProgramServicesAmt2140
IRS990/OtherExpensesGrp/TotalAmt087955
IRS990/OtherExpensesGrp/TotalAmt13329
IRS990/OtherExpensesGrp/TotalAmt21776
IRS990/OtherLiabilitiesGrp/BOYAmt0257283
IRS990/OtherLiabilitiesGrp/EOYAmt0299473
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0THIRD PARTY REIMBURSEM
IRS990/OtherRevenueMiscGrp/ExclusionAmt02001
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02001
IRS990/OtherRevenueTotalAmt02075
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt06675
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt065336
IRS990/OtherSalariesAndWagesGrp/TotalAmt072011
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt04998481
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt05230859
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt03398
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03223
IRS990/PrincipalOfficerNm0KARA HAY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0531390
IRS990/ProgramServiceRevenueGrp/BusinessCd1531390
IRS990/ProgramServiceRevenueGrp/BusinessCd2531390
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1HOMEBUYER EDUCATION
IRS990/ProgramServiceRevenueGrp/Desc2LOAN SERVICING
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0428918
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt116681
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt212361
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0428918
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt116681
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt212361
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt086376
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt06069
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt0577580
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0398445
IRS990/PYRevenuesLessExpensesAmt0-98828
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt0583649
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0484821
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0108308
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0457960
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01092344
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01552588
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0155000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt086376
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01141675
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt01182414
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0267437
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt02832902
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt01998583
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt02001
IRS990ScheduleA/OtherIncome170Grp/TotalAmt02001
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99930
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt02832902
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0155000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt086376
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01141675
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt01182414
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0267437
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt02832902
IRS990ScheduleA/TotalSupportAmt02834903
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0506727
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt052258
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt052258
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0299473
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DUE TO AFFILIATE
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0615035
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MAINESTREAM FINANCE IS REQUIRED TO ASSESS WHETHER IT IS MORE LIKELY THAN NOT THAT A TAX POSITION WILL BE SUSTAINED UPON EXAMINATION ON THE TECHNICAL MERITS OF THE POSITION ASSUMING THE TAXING AUTHORITY HAS FULL KNOWLEDGE OF ALL INFORMATION. IF THE TAX POSITION DOES NOT MEET THE MORE LIKELY THAN NOT RECOGNITION THRESHOLD, THE BENEFIT OF THAT POSITION IS NOT RECOGNIZED IN THE FINANCIAL STATEMENTS. MAINESTREAM FINANCE HAS DETERMINED THERE ARE NO AMOUNTS TO RECORD AS ASSETS OR LIABILITIES RELATED TO UNCERTAIN TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt0506727
IRS990ScheduleD/TotalLiabilityAmt0299473
IRS990ScheduleD/TotalRevenuePerForm990Amt0615035
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0615035
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0506727
IRS990ScheduleJ/AnyNonFixedPaymentsInd00
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt0238898
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt1179702
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt2158555
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt019268
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt113957
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt016661
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt111819
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt22636
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt010309
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt14082
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt26595
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KARA HAY

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