Civic Intelligence

Community Development Financial Institution - Tohono O'Odham Nation

990 • Fiscal year 2015 • EIN 20-0908987

Oct 01, 2014 to Sep 30, 2015 • Filed on May 12, 2016

Organization ProfileWWW.CDFITON.ORG
P O Box 3130Sells, AZ 85634

(520) 383-0790

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

11th percentile

0.01x

Higher debt load relative to assets than 11% of similar nonprofits.

2015 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

43rd percentile

0.19x

Higher debt load relative to revenue than 43% of similar nonprofits.

2015 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2015

Net Margin

12th percentile

-14%

Higher net margin than 12% of similar nonprofits.

2015 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

16th percentile

$71,206

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 9.0% of source-year revenue.

2015 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2015

Asset Growth

41st percentile

-0.4%

Faster asset growth than 41% of similar nonprofits.

2015 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

85th percentile

29%

Faster revenue growth than 85% of similar nonprofits.

2015 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets11th percentile

Assets

Down

$21,559,681

Down $85,688 (-0.4%) from 2014

Net Assets

Down

$21,412,054

Down $112,335 (-0.5%) from 2014

Liabilities

Up

$147,627

Up $26,647 (+22%) from 2014

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin12th percentile

Revenue

Up

$790,737

Up $177,036 (+29%) from 2014

Expenses

Up

$903,072

Up $222,869 (+33%) from 2014

Net Income

Down

-$112,335

Down $45,833 (-69%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth41st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$30M$20M$10M$0Assets 2010: $22,295,859Liabilities 2010: $138,628Net Assets 2010: $22,157,2312010Assets 2011: $21,998,041Liabilities 2011: $83,896Net Assets 2011: $21,914,1452011Assets 2012: $21,951,459Liabilities 2012: $152,335Net Assets 2012: $21,799,1242012Assets 2013: $21,679,567Liabilities 2013: $88,676Net Assets 2013: $21,590,8912013Assets 2014: $21,645,369Liabilities 2014: $120,980Net Assets 2014: $21,524,3892014Assets 2015: $21,559,681Liabilities 2015: $147,627Net Assets 2015: $21,412,0542015Assets 2016: $21,846,244Liabilities 2016: $214,091Net Assets 2016: $21,632,1532016Assets 2017: $21,655,613Liabilities 2017: $169,720Net Assets 2017: $21,485,8932017Assets 2018: $21,709,793Liabilities 2018: $141,954Net Assets 2018: $21,567,8392018Assets 2019: $21,828,331Liabilities 2019: $157,660Net Assets 2019: $21,670,6712019Assets 2020: $21,861,934Liabilities 2020: $146,683Net Assets 2020: $21,715,2512020Assets 2021: $21,686,771Liabilities 2021: $124,712Net Assets 2021: $21,562,0592021Assets 2022: $21,599,261Liabilities 2022: $109,492Net Assets 2022: $21,489,7692022Assets 2023: $21,661,301Liabilities 2023: $223,567Net Assets 2023: $21,437,7342023

Highlighted filing

2015

Assets$21,559,681
Liabilities$147,627
Net Assets$21,412,054
Open 2015 Filing

Operations Trend

Revenue Growth85th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $858,4702010Expenses 2011: $650,9742011Expenses 2012: $817,1572012Expenses 2013: $819,6972013Revenue 2014: $613,701Expenses 2014: $680,203Net Income 2014: -$66,5022014Revenue 2015: $790,737Expenses 2015: $903,072Net Income 2015: -$112,3352015Revenue 2016: $828,660Expenses 2016: $608,561Net Income 2016: $220,0992016Revenue 2017: $778,866Expenses 2017: $925,126Net Income 2017: -$146,2602017Revenue 2018: $781,163Expenses 2018: $722,333Net Income 2018: $58,8302018Revenue 2019: $861,538Expenses 2019: $758,706Net Income 2019: $102,8322019Revenue 2020: $801,544Expenses 2020: $756,964Net Income 2020: $44,5802020Revenue 2021: $728,055Expenses 2021: $881,247Net Income 2021: -$153,1922021Revenue 2022: $709,556Expenses 2022: $781,846Net Income 2022: -$72,2902022Revenue 2023: $755,697Expenses 2023: $795,992Net Income 2023: -$40,2952023

Highlighted filing

2015

Revenue$790,737
Expenses$903,072
Net Income-$112,335
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2014 to Sep 30, 2015
Signed
May 12, 2016
Return Version
2014v6.0
Gross Receipts
$790,737
Mission and Program Overview

Mission

We assist in overall economic development and support new businesses and help to improve personal financial stability through our premier educational and loan services.

We will assist in overall economic development and support new businesses and help to improve personal financial stability through our premier educational and loan services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,498,053$15,449,983▲ $1,951,930
Cash and Non-Interest-Bearing Accounts$8,091,542$6,065,478▼ $2,026,064
Land, Buildings, and Equipment, Net$44,512$33,089▼ $11,423
Prepaid Expenses and Deferred Charges$11,262$11,131▼ $131
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$21,645,369$21,559,681▼ $85,688
Other Assets Total-$0-
Liabilities
Deferred Revenue$67,610$97,610▲ $30,000
Accounts Payable and Accrued Expenses$53,370$50,017▼ $3,353
Total Liabilities$120,980$147,627▲ $26,647
Net Assets / Fund Balance
Unrestricted Net Assets$21,524,389$21,412,054▼ $112,335
Total Net Assets Fund Balance$21,524,389$21,412,054▼ $112,335
Total Liabilities and Net Assets / Fund Balance$21,645,369$21,559,681▼ $85,688

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$31,819$49,501$81,320
Other Land Buildings$1,270$37,566$38,836
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Shawn CarlosCEOFT$58,331$12,875$71,206
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$790,737
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-112,335

Audited Revenue Reconciliation

Revenue per Audited Statements
$790,737
Total Revenue per Audited Statements
$790,737
Total Revenue per Form 990
$790,737
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$635,329
Salaries, Compensation, and Employee Benefits$267,743
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$111,498$49,267-$160,765
Fees for Services Other$19,381$63,337-$82,718
Occupancy$53,100$20,301-$73,401
Current Officers, Directors, Trustees, and Key Employees$48,837$21,579-$70,416
Advertising$25,980$1,154-$27,134
Office Expenses$8,631$8,773-$17,404
Payroll Taxes$12,743$3,187-$15,930
Other Employee Benefits$8,664$3,828-$12,492
Depreciation Depletion$2,285$9,138-$11,423
Pension Plan Contributions$5,646$2,494-$8,140
Travel$3,963$2,518-$6,481
Insurance-$4,833-$4,833
Other Expenses$856$214-$1,070
Conferences and Meetings$252$168-$420
Total Functional Expenses$711,114$191,958$0$903,072

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$903,072
Total Expenses per Audited Statements$903,072
Total Expenses per Form 990$903,072
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“The organization's accountants provide a copy of the completed form 990 to the ceo to distribute to the board of directors for review and approval during a board meeting. Once form 990 is approved, the accountants are notified and the return is released for filing.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Any potential or actual conflict of interest must be disclosed in writing to the board of directors. The interested person is excluded from the discussion and vote on the transaction, and the board is to demonstrate that the transaction is in the organization's best interest. Any conflicts of interest are to be included in the board minutes. The monitoring and enforcement of the organization's conflict of interst is done on a case by case basis.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The organization compares its compensation to other similar organizations, it is then reviewed by top management and presented to the board of directors for approval.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“THE ORGANIZATION DISCLOSES THE GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS TO THE PUBLIC THROUGH ANNUAL REPORTS TO ITS ORIGINATOR THE TOHONO O'ODHAM NATION. Documents are also available upon request.”

Filing and Contact Details

Filer

Filer Name
Community Development Financial
EIN
20-0908987
Phone
5203830790
Address
P O BOX 3130, SELLS, AZ 85634

Signing Officer

Name
Stanley Salazar
Title
CEO
Signed
2016-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Shawn Carlos
Formed
2004
Legal Domicile
Az
Voting Board Members
1
Independent Board Members
0
Employees
8

Preparer

Firm
HBL CPAs PC
Address
5656 E Grant Rd Ste 200, Tucson, AZ 85712
Preparer
John P Lauer
Phone
5208863181
Supplemental Narrative

Financial Statement Notes

Part X : FIN48 Footnote

“The organization's policy is to disclose or recognize income tax liabilities based on management's estimate of whether it is reasonably possible or probable, respectively, that a liability has been incurred for unrecognized income tax positions. As of September 30, 2015, management is not aware of any uncertain tax positions that are potentially material.”

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

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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt037566
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt038836
IRS990ScheduleD/RevenueSubtotalAmt0790737
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The organization's policy is to disclose or recognize income tax liabilities based on management's estimate of whether it is reasonably possible or probable, respectively, that a liability has been incurred for unrecognized income tax positions. As of September 30, 2015, management is not aware of any uncertain tax positions that are potentially material.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
IRS990ScheduleD/TotalBookValueLandBuildingsAmt033089
IRS990ScheduleD/TotalExpensesPerForm990Amt0903072
IRS990ScheduleD/TotalRevenuePerForm990Amt0790737
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION'S ACCOUNTANTS PROVIDE A COPY OF THE COMPLETED FORM 990 TO THE CEO TO DISTRIBUTE TO THE BOARD OF DIRECTORS FOR REVIEW AND APPROVAL DURING A BOARD MEETING. ONCE FORM 990 IS APPROVED, THE ACCOUNTANTS ARE NOTIFIED AND THE RETURN IS RELEASED FOR FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANY POTENTIAL OR ACTUAL CONFLICT OF INTEREST MUST BE DISCLOSED IN WRITING TO THE BOARD OF DIRECTORS. THE INTERESTED PERSON IS EXCLUDED FROM THE DISCUSSION AND VOTE ON THE TRANSACTION, AND THE BOARD IS TO DEMONSTRATE THAT THE TRANSACTION IS IN THE ORGANIZATION'S BEST INTEREST. ANY CONFLICTS OF INTEREST ARE TO BE INCLUDED IN THE BOARD MINUTES. THE MONITORING AND ENFORCEMENT OF THE ORGANIZATION'S CONFLICT OF INTERST IS DONE ON A CASE BY CASE BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION COMPARES ITS COMPENSATION TO OTHER SIMILAR ORGANIZATIONS, IT IS THEN REVIEWED BY TOP MANAGEMENT AND PRESENTED TO THE BOARD OF DIRECTORS FOR APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION DISCLOSES THE GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS TO THE PUBLIC THROUGH ANNUAL REPORTS TO ITS ORIGINATOR THE TOHONO O'ODHAM NATION. Documents are also available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990ScheduleR/AssetPurchaseFromOtherOrgInd0false
IRS990ScheduleR/AssetSaleToOtherOrgInd0false
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0Tohono Oodham Nation
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(c)(3)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0AZ
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0Tribal Government
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt06
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt0PO Box 837
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0Sells
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0AZ
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd085634
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0true
IRS990ScheduleR/PaidEmployeesSharingInd0false
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0true
IRS990ScheduleR/SharingOfFacilitiesInd0false
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt011705021
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt156235
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0Principal
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt1Lease Agreement
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0Tohono Oodham Nation
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt1Tohono Oodham Nation
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0711114
IRS990/TotalFunctionalExpensesGrp/TotalAmt0903072
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0120980
IRS990/TotalLiabilitiesEOYAmt0147627
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt021412054
IRS990/TotalOtherCompensationAmt012875
IRS990/TotalProgramServiceExpensesAmt0711114
IRS990/TotalProgramServiceRevenueAmt0790737
IRS990/TotalReportableCompFromOrgAmt058331
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0790737
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0790737
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt021645369
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021559681
IRS990/TransactionWithControlEntInd0false
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IRS990/TravelGrp/ProgramServicesAmt03963
IRS990/TravelGrp/TotalAmt06481
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IRS990/UnrestrictedNetAssetsGrp/EOYAmt021412054
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0Sells
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IRS990/USAddress/ZIPCd085634
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IRS990/WebsiteAddressTxt0WWW.CDFITON.ORG
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ReturnHeader/BuildTS02016-08-17 19:52:53Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0STANLEY SALAZAR

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$21,559,681
Liabilities
$147,627
Net assets
$21,412,054
Revenue
$790,737
Expenses
$903,072
Net income
-$112,335
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$21.7$0.22$21.4$0.76$0.80$0.04
2022Summary only. Only limited summary data is available for this year.$21.6$0.11$21.5$0.71$0.78$0.07
2021Summary only. Only limited summary data is available for this year.$21.7$0.12$21.6$0.73$0.88$0.15
2020Summary only. Only limited summary data is available for this year.$21.9$0.15$21.7$0.80$0.76$0.04
2019Summary only. Only limited summary data is available for this year.$21.8$0.16$21.7$0.86$0.76$0.10
2018Summary only. Only limited summary data is available for this year.$21.7$0.14$21.6$0.78$0.72$0.06
2017Summary only. Only limited summary data is available for this year.$21.7$0.17$21.5$0.78$0.93$0.15
2016Summary only. Only limited summary data is available for this year.$21.8$0.21$21.6$0.83$0.61$0.22
2015Detailed filing. Detailed filing data is available for this year.$21.6$0.15$21.4$0.79$0.90$0.11
2014Summary only. Only limited summary data is available for this year.$21.6$0.12$21.5$0.61$0.68$0.07
2013Summary only. Only limited summary data is available for this year.$21.7$0.09$21.6$0.82
2012Summary only. Only limited summary data is available for this year.$22.0$0.15$21.8$0.82
2011Summary only. Only limited summary data is available for this year.$22.0$0.08$21.9$0.65
2010Summary only. Only limited summary data is available for this year.$22.3$0.14$22.2$0.86