Civic Intelligence

Five Rivers Loan Fund Inc

EIN 20-2091947 • 501(c)3 • Happy Camp, CA

View Organization Page

Profile

The Karuk Community Loan Fund's mission is to provide loans, training and technical assistance to individuals of the tribe and other individuals in the Karuk territory. We shall assist native and no-native people in obtaining housing, business development and other loans to foster economic health, self-sufficiency and quality of life.

PO Box 805Happy Camp, CA 96039

n/A

Siviq Scores

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

Liabilities / Assets

72nd percentile

0.26x

Higher debt load relative to assets than 72% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

95th percentile

3.65x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

4th percentile

-76%

Higher net margin than 4% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

52nd percentile

$64,242

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 62.2% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

44th percentile

1.6%

Faster asset growth than 44% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

7th percentile

-42%

Faster revenue growth than 7% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$1,431,024

Up $22,493 (+1.6%) from 2023

Liabilities

Up

$377,399

Up $100,915 (+36%) from 2023

Net Assets

Down

$1,053,625

Down $78,422 (-6.9%) from 2023

Operations
Liabilities / Revenue95th percentileNet Margin4th percentile

Revenue

Down

$103,354

Down $76,305 (-42%) from 2023

Expenses

Up

$181,776

Up $42,617 (+31%) from 2023

Net Income

Down

-$78,422

Down $118,922 (-294%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $501,720Liabilities 2010: $19,813Net Assets 2010: $481,9072010Assets 2011: $975,665Liabilities 2011: $604,718Net Assets 2011: $370,9472011Assets 2012: $872,679Liabilities 2012: $46,486Net Assets 2012: $826,1932012Assets 2013: $1,440,015Liabilities 2013: $5,014Net Assets 2013: $1,435,0012013Assets 2014: $2,070,231Liabilities 2014: $0Net Assets 2014: $2,070,2312014Assets 2015: $1,916,195Liabilities 2015: $262,159Net Assets 2015: $1,654,0362015Assets 2016: $1,736,981Liabilities 2016: $146,320Net Assets 2016: $1,590,6612016Assets 2017: $1,706,588Liabilities 2017: $150,885Net Assets 2017: $1,555,7032017Assets 2018: $1,673,554Liabilities 2018: $368,161Net Assets 2018: $1,305,3932018Assets 2019: $1,519,691Liabilities 2019: $249,247Net Assets 2019: $1,270,4442019Assets 2020: $1,485,059Liabilities 2020: $244,761Net Assets 2020: $1,240,2982020Assets 2021: $1,465,568Liabilities 2021: $264,904Net Assets 2021: $1,200,6642021Assets 2022: $1,359,560Liabilities 2022: $232,008Net Assets 2022: $1,127,5522022Assets 2023: $1,408,531Liabilities 2023: $276,484Net Assets 2023: $1,132,0472023Assets 2024: $1,431,024Liabilities 2024: $377,399Net Assets 2024: $1,053,6252024

Highlighted filing

2024

Assets$1,431,024
Liabilities$377,399
Net Assets$1,053,625
Open 2024 Filing

Operations Trend

Revenue Growth7th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $96,8432010Expenses 2011: $149,7492011Revenue 2012: $599,497Expenses 2012: $144,251Net Income 2012: $455,2462012Revenue 2013: $818,671Expenses 2013: $174,810Net Income 2013: $643,8612013Revenue 2014: $808,750Expenses 2014: $173,520Net Income 2014: $635,2302014Revenue 2015: $365,536Expenses 2015: $206,872Net Income 2015: $158,6642015Revenue 2016: $95,420Expenses 2016: $139,720Net Income 2016: -$44,3002016Revenue 2017: $85,929Expenses 2017: $120,887Net Income 2017: -$34,9582017Revenue 2018: $90,948Expenses 2018: $110,542Net Income 2018: -$19,5942018Revenue 2019: $83,164Expenses 2019: $118,113Net Income 2019: -$34,9492019Revenue 2020: $70,961Expenses 2020: $103,245Net Income 2020: -$32,2842020Revenue 2021: $158,853Expenses 2021: $198,487Net Income 2021: -$39,6342021Revenue 2022: $68,813Expenses 2022: $142,220Net Income 2022: -$73,4072022Revenue 2023: $179,659Expenses 2023: $139,159Net Income 2023: $40,5002023Revenue 2024: $103,354Expenses 2024: $181,776Net Income 2024: -$78,4222024

Highlighted filing

2024

Revenue$103,354
Expenses$181,776
Net Income-$78,422
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,431,024
Liabilities
$377,399
Net assets
$1,053,625
Revenue
$103,354
Expenses
$181,776
Net income
-$78,422
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.43$0.38$1.05$0.10$0.18$0.08
2023Detailed filing. Detailed filing data is available for this year.$1.41$0.28$1.13$0.18$0.14$0.04
2022Detailed filing. Detailed filing data is available for this year.$1.36$0.23$1.13$0.07$0.14$0.07
2021Detailed filing. Detailed filing data is available for this year.$1.47$0.26$1.20$0.16$0.20$0.04
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.49$0.24$1.24$0.07$0.10$0.03
2019Detailed filing. Detailed filing data is available for this year.$1.52$0.25$1.27$0.08$0.12$0.03
2018Detailed filing. Detailed filing data is available for this year.$1.67$0.37$1.31$0.09$0.11$0.02
2017Summary only. Only limited summary data is available for this year.$1.71$0.15$1.56$0.09$0.12$0.03
2016Detailed filing. Detailed filing data is available for this year.$1.74$0.15$1.59$0.10$0.14$0.04
2015Detailed filing. Detailed filing data is available for this year.$1.92$0.26$1.65$0.37$0.21$0.16
2014Detailed filing. Detailed filing data is available for this year.$2.07$0.00$2.07$0.81$0.17$0.64
2013Summary only. Only limited summary data is available for this year.$1.44$0.01$1.44$0.82$0.17$0.64
2012Summary only. Only limited summary data is available for this year.$0.87$0.05$0.83$0.60$0.14$0.46
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.98$0.60$0.37$0.15
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.50$0.02$0.48$0.10
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Dec 23, 2024
Return Version
2023v5.1
Gross Receipts
$103,354
Mission and Program Overview

Mission

Providing support through loans that empower our underserved public.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,057,871$972,127▼ $85,744
Cash and Non-Interest-Bearing Accounts$350,660$455,055▲ $104,395
Prepaid Expenses and Deferred Charges-$3,842-
Total Assets$1,408,531$1,431,024▲ $22,493
Liabilities
Mortgage Notes Payable Secured by Investment Property$269,270$369,270▲ $100,000
Accounts Payable and Accrued Expenses$7,214$8,129▲ $915
Total Liabilities$276,484$377,399▲ $100,915
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,099,674$950,025▼ $149,649
Net Assets With Donor Restrictions$32,373$103,600▲ $71,227
Total Net Assets Fund Balance$1,132,047$1,053,625▼ $78,422
Total Liabilities and Net Assets / Fund Balance$1,408,531$1,431,024▲ $22,493
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Teresa BoardmanExecutive DirectorFT$64,242$64,242

Board Members and Trustees

NameTitle
Gary BurnettChairperson
Nathan TiraterraChairperson
Dorcas HarrisonVice Chairperson
John DavisMember
Rex HarrisonMember
Tanya BusbySecretary
Darla MeadorTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$20,000
Program Service Revenue
$6,977
Investment Income
$76,377
Other Revenue
$0
Change in Net Assets
$-78,422

Audited Revenue Reconciliation

Revenue per Audited Statements
$103,354
Total Revenue per Audited Statements
$103,354
Total Revenue per Form 990
$103,354
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$101,903
Other Expenses$79,873
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$51,394$12,848-$64,242
Other Salaries and Wages$20,916$5,229-$26,145
Fees for Services Accounting-$11,575-$11,575
Travel-$11,348-$11,348
Fees for Services Other$11,122--$11,122
All Other Expenses-$9,750-$9,750
Payroll Taxes$6,703$1,676-$8,379
Information Technology$2,808$5,328-$8,136
Occupancy$4,858$1,215-$6,073
Insurance-$5,643-$5,643
Other Expenses$4,971$177-$5,148
Conferences and Meetings-$3,500-$3,500
Other Employee Benefits$2,510$627-$3,137
Office Expenses$418$809-$1,227
Advertising-$526-$526
Total Functional Expenses$109,392$72,384$0$181,776

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$181,776
Total Expenses per Audited Statements$181,776
Total Expenses per Form 990$181,776
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990 governing body review Part VI line 11

“Form 990 is provided to the board prior to filing.”

Governing documents etc available to public Part VI line 19

“Governing documents, policies, and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Five Rivers Loan Fund Inc
EIN
20-2091947
Address
PO BOX 805, HAPPY CAMP, CA 96039

Signing Officer

Name
Teresa Boardman
Title
Executive Direc
Phone
5308427050
Signed
2024-12-23
Discuss with paid preparer
Yes

Organization Details

Formed
2004
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
2

Preparer

Firm
Anne McCaleb CPA PC
Address
PO Box 2155, Bandon, OR 97411
Preparer
Anne McCaleb CPA
Phone
9166344002
Supplemental Narrative

Additional Explanations

Part XI response or note to any line in Part XI

“Prior period adjustments are due to changes to prior period balances during the independent financial statement audit.”

Raw XML Appendix385 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt07214
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt08129
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDING SUPPORT THROUGH LOANS THAT EMPOWER OUR UNDERSERVED PUBLIC.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt0526
IRS990/AdvertisingGrp/TotalAmt0526
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt09750
IRS990/AllOtherExpensesGrp/TotalAmt09750
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0TERESA BOARDMAN
IRS990/BooksInCareOfDetail/PhoneNum05308427050
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 805
IRS990/BooksInCareOfDetail/USAddress/CityNm0HAPPY CAMP
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd096039
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0350660
IRS990/CashNonInterestBearingGrp/EOYAmt0455055
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt012848
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt051394
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt064242
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt03500
IRS990/ConferencesMeetingsGrp/TotalAmt03500
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt020000
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt076377
IRS990/CYOtherExpensesAmt079873
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt06977
IRS990/CYRevenuesLessExpensesAmt0-78422
IRS990/CYSalariesCompEmpBnftPaidAmt0101903
IRS990/CYTotalExpensesAmt0181776
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0103354
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0TO PROVIDE UNDERPRIVILEGED INDIVIDUALS IN OUR AREA WITH LOANS TO FOSTER ECONOMIC HEALTH, SELF-SUFFICIENCY, AND QUALITY OF LIFE.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRestrictionNetAssetsGrp/BOYAmt032373
IRS990/DonorRestrictionNetAssetsGrp/EOYAmt0103600
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt0109392
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt011575
IRS990/FeesForServicesAccountingGrp/TotalAmt011575
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt011122
IRS990/FeesForServicesOtherGrp/TotalAmt011122
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0TERESA BOARDMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1DORCAS HARRISON
IRS990/Form990PartVIISectionAGrp/PersonNm2REX HARRISON
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN DAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm4GARY BURNETT
IRS990/Form990PartVIISectionAGrp/PersonNm5DARLA MEADOR
IRS990/Form990PartVIISectionAGrp/PersonNm6TANYA BUSBY
IRS990/Form990PartVIISectionAGrp/PersonNm7NATHAN TIRATERRA
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt064242
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0EXECUTIVE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIRPERSON
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr02004
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GovernmentGrantsAmt020000
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0103354
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt05328
IRS990/InformationTechnologyGrp/ProgramServicesAmt02808
IRS990/InformationTechnologyGrp/TotalAmt08136
IRS990/InsuranceGrp/ManagementAndGeneralAmt05643
IRS990/InsuranceGrp/TotalAmt05643
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt076377
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt076377
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVIDING SUPPORT THROUGH LOANS THAT EMPOWER OUR UNDERSERVED PUBLIC.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt0269270
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt0369270
IRS990/NetAssetsOrFundBalancesBOYAmt01132047
IRS990/NetAssetsOrFundBalancesEOYAmt01053625
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt01099674
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0950025
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt01215
IRS990/OccupancyGrp/ProgramServicesAmt04858
IRS990/OccupancyGrp/TotalAmt06073
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0809
IRS990/OfficeExpensesGrp/ProgramServicesAmt0418
IRS990/OfficeExpensesGrp/TotalAmt01227
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0627
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt02510
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03137
IRS990/OtherExpensesGrp/Desc0TELECOMMUNICATIONS
IRS990/OtherExpensesGrp/Desc1GENERAL BUSINESS
IRS990/OtherExpensesGrp/Desc2BAD DEBT EXPENSE
IRS990/OtherExpensesGrp/Desc3CREDIT REPORTS AND BANK FEES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0481
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11652
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2177
IRS990/OtherExpensesGrp/ProgramServicesAmt01924
IRS990/OtherExpensesGrp/ProgramServicesAmt11768
IRS990/OtherExpensesGrp/ProgramServicesAmt24971
IRS990/OtherExpensesGrp/TotalAmt02405
IRS990/OtherExpensesGrp/TotalAmt11652
IRS990/OtherExpensesGrp/TotalAmt21768
IRS990/OtherExpensesGrp/TotalAmt35148
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt05229
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt020916
IRS990/OtherSalariesAndWagesGrp/TotalAmt026145
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01057871
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0972127
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt01676
IRS990/PayrollTaxesGrp/ProgramServicesAmt06703
IRS990/PayrollTaxesGrp/TotalAmt08379
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03842
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522200
IRS990/ProgramServiceRevenueGrp/Desc0LOAN FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06977
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06977
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0100416
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt069620
IRS990/PYOtherExpensesAmt055918
IRS990/PYProgramServiceRevenueAmt09623
IRS990/PYRevenuesLessExpensesAmt040500
IRS990/PYSalariesCompEmpBnftPaidAmt083241
IRS990/PYTotalExpensesAmt0139159
IRS990/PYTotalRevenueAmt0179659
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0-78422
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt020000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0100416
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0100890
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0221306
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt076377
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt069620
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt060470
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt053930
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt066459
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0326856
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt035396
IRS990ScheduleA/PrivateFoundation170Ind0X
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.20480
IRS990ScheduleA/PublicSupportPY170Pct00.21160
IRS990ScheduleA/PublicSupportTotal170Amt0112269
IRS990ScheduleA/SubstantialContributorsTotAmt0109037
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt020000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0100416
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0100890
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0221306
IRS990ScheduleA/TotalSupportAmt0548162
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/ScheduleBRequiredInd0true
IRS990ScheduleD/ExpensesSubtotalAmt0181776
IRS990ScheduleD/RevenueSubtotalAmt0103354
IRS990ScheduleD/TotalExpensesPerForm990Amt0181776
IRS990ScheduleD/TotalRevenuePerForm990Amt0103354
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0103354
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0181776
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 IS PROVIDED TO THE BOARD PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PRIOR PERIOD ADJUSTMENTS ARE DUE TO CHANGES TO PRIOR PERIOD BALANCES DURING THE INDEPENDENT FINANCIAL STATEMENT AUDIT.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part XI response or note to any line in Part XI
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01408531
IRS990/TotalAssetsEOYAmt01431024
IRS990/TotalAssetsGrp/BOYAmt01408531
IRS990/TotalAssetsGrp/EOYAmt01431024
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt020000
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt072384
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0109392
IRS990/TotalFunctionalExpensesGrp/TotalAmt0181776
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0276484
IRS990/TotalLiabilitiesEOYAmt0377399
IRS990/TotalLiabilitiesGrp/BOYAmt0276484
IRS990/TotalLiabilitiesGrp/EOYAmt0377399
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01132047
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01053625
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0109392
IRS990/TotalProgramServiceRevenueAmt06977
IRS990/TotalReportableCompFromOrgAmt064242
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt083354
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0103354
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01408531
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01431024
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt011348
IRS990/TravelGrp/TotalAmt011348
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TERESA BOARDMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIREC
ReturnHeader/BusinessOfficerGrp/PhoneNum05308427050
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-12-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FIVE RIVERS LOAN FUND INC
ReturnHeader/Filer/BusinessNameControlTxt0FIVE
ReturnHeader/Filer/EIN0202091947
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 805
ReturnHeader/Filer/USAddress/CityNm0HAPPY CAMP
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd096039
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0873417150
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Anne McCaleb CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 2155
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Bandon
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd097411
ReturnHeader/PreparerPersonGrp/PhoneNum09166344002
ReturnHeader/PreparerPersonGrp/PreparationDt02024-12-23
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Anne McCaleb CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02024-12-23T14:40:51-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-10-01
ReturnHeader/TaxPeriodEndDt02024-09-30
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.