Civic Intelligence

Iowa Foundation for Microenterprise And

EIN 26-2238918 • 501(c)3 • Boone, IA

Profile

To provide funding for microbusinesses that are considered on the fringe of risk-bearing capacity for most traditional financial institutions.

PO Box 793Boone, IA 50036

www.iowamicroloan.org

Siviq Scores

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

Liabilities / Assets

86th percentile

0.61x

Higher debt load relative to assets than 86% of similar nonprofits.

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

Liabilities / Revenue

98th percentile

11.04x

Higher debt load relative to revenue than 98% of similar nonprofits.

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

Net Margin

2nd percentile

-165%

Higher net margin than 2% of similar nonprofits.

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

Top Officer Pay

40th percentile

$0

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

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

Asset Growth

38th percentile

-0.2%

Faster asset growth than 38% of similar nonprofits.

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

Revenue Growth

2nd percentile

-77%

Faster revenue growth than 2% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$1,617,565

Up $171,805 (+12%) from 2022

Liabilities

Up

$983,633

Up $281,410 (+40%) from 2022

Net Assets

Down

$633,932

Down $109,605 (-15%) from 2022

Operations
Liabilities / Revenue98th percentileNet Margin2nd percentile

Revenue

Down

$89,103

Down $462,312 (-84%) from 2022

Expenses

Down

$236,136

Down $103,759 (-31%) from 2022

Net Income

Down

-$147,033

Down $358,553 (-170%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth38th percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,780,890Liabilities 2010: $1,034,326Net Assets 2010: $746,5642010Assets 2011: $1,366,734Liabilities 2011: $644,875Net Assets 2011: $721,8592011Assets 2012: $1,597,868Liabilities 2012: $1,039,269Net Assets 2012: $558,5992012Assets 2014: $1,521,729Liabilities 2014: $1,003,293Net Assets 2014: $518,4362014Assets 2015: $1,241,424Liabilities 2015: $806,424Net Assets 2015: $435,0002015Assets 2016: $1,049,276Liabilities 2016: $618,700Net Assets 2016: $430,5762016Assets 2017: $829,891Liabilities 2017: $426,943Net Assets 2017: $402,9482017Assets 2018: $819,326Liabilities 2018: $481,407Net Assets 2018: $337,9192018Assets 2019: $750,386Liabilities 2019: $352,782Net Assets 2019: $397,6042019Assets 2020: $989,099Liabilities 2020: $536,618Net Assets 2020: $452,4812020Assets 2021: $1,244,631Liabilities 2021: $709,534Net Assets 2021: $535,0972021Assets 2022: $1,445,760Liabilities 2022: $702,223Net Assets 2022: $743,5372022Assets 2024: $1,617,565Liabilities 2024: $983,633Net Assets 2024: $633,9322024

Highlighted filing

2024

Assets$1,617,565
Liabilities$983,633
Net Assets$633,932
Open 2024 Filing

Operations Trend

Revenue Growth2nd percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $269,3592010Expenses 2011: $481,8702011Expenses 2012: $408,2042012Revenue 2014: $216,867Expenses 2014: $315,981Net Income 2014: -$99,1142014Revenue 2015: $350,718Expenses 2015: $434,154Net Income 2015: -$83,4362015Revenue 2016: $301,271Expenses 2016: $305,695Net Income 2016: -$4,4242016Revenue 2017: $382,704Expenses 2017: $410,332Net Income 2017: -$27,6282017Revenue 2018: $217,577Expenses 2018: $282,606Net Income 2018: -$65,0292018Revenue 2019: $351,398Expenses 2019: $291,713Net Income 2019: $59,6852019Revenue 2020: $280,060Expenses 2020: $226,407Net Income 2020: $53,6532020Revenue 2021: $452,526Expenses 2021: $371,050Net Income 2021: $81,4762021Revenue 2022: $551,415Expenses 2022: $339,895Net Income 2022: $211,5202022Revenue 2024: $89,103Expenses 2024: $236,136Net Income 2024: -$147,0332024

Highlighted filing

2024

Revenue$89,103
Expenses$236,136
Net Income-$147,033
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,617,565
Liabilities
$983,633
Net assets
$633,932
Revenue
$89,103
Expenses
$236,136
Net income
-$147,033
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.62$0.98$0.63$0.09$0.24$0.15
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.45$0.70$0.74$0.55$0.34$0.21
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.24$0.71$0.54$0.45$0.37$0.08
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.99$0.54$0.45$0.28$0.23$0.05
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.75$0.35$0.40$0.35$0.29$0.06
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.82$0.48$0.34$0.22$0.28$0.07
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.83$0.43$0.40$0.38$0.41$0.03
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.05$0.62$0.43$0.30$0.31$0.00
2015Detailed filing. Detailed filing data is available for this year.$1.24$0.81$0.44$0.35$0.43$0.08
2014Detailed filing. Detailed filing data is available for this year.$1.52$1.00$0.52$0.22$0.32$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.60$1.04$0.56$0.41
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.37$0.64$0.72$0.48
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.78$1.03$0.75$0.27
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 15, 2025
Return Version
2024v5.0
Gross Receipts
$89,103
Mission and Program Overview

Mission

To provide funding for microbusinesses that are considered on the fringe of risk-bearing capacity for most traditional financial institutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$435,083$316,575▼ $118,508
Accounts Receivable$172,524--
Pledges and Grants Receivable-$24,783-
Investments in Publicly Traded Securities$19,992$23,726▲ $3,734
Prepaid Expenses and Deferred Charges$950$2,023▲ $1,073
Total Assets$1,620,299$1,617,565▼ $2,734
Other Assets Total$991,750$1,250,458▲ $258,708
Liabilities
Unsecured Notes Loans Payable$725,962$930,195▲ $204,233
Mortgage Notes Payable Secured by Investment Property$60,000--
Other Liabilities$53,437$53,438▲ $1
Accounts Payable and Accrued Expenses$590--
Total Liabilities$839,989$983,633▲ $143,644
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$760,318$610,206▼ $150,112
Net Assets With Donor Restrictions$19,992$23,726▲ $3,734
Total Net Assets Fund Balance$780,310$633,932▼ $146,378
Total Liabilities and Net Assets / Fund Balance$1,620,299$1,617,565▼ $2,734

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$422,598--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2024$21,610-▲ $2,366-$23,726
2023$18,999-▲ $993-$19,992
2022$18,707$3,000▼ $2,708-$18,999
2021$16,452-▲ $2,255-$18,707
2020-$15,030▲ $1,422-$16,452
Compensation and Service Providers
Top Officer Pay40th percentile

Board Members and Trustees

NameTitle
Clarence McgregorBoard Chair
Jeffrey WilliamsPresident
Jeff WallerVice Chair
Chanin LarsonDirector
Dave HagenDirector
Ellen NystromDirector
James PattonDirector
Ken BeekleyDirector
Mario Van DijkDirector
Mark EdelmanDirector
Steve AdamsDirector
Terry VorbrichDirector
Jake AndersonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$28,815
Program Service Revenue
$12,292
Investment Income
$47,996
Other Revenue
$0
Change in Net Assets
$-147,033

Audited Revenue Reconciliation

Revenue per Audited Statements
$89,103
Total Revenue per Audited Statements
$89,103
Total Revenue per Form 990
$89,103
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$236,136
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$66,000$20,675-$86,675
Fees for Services Accounting$818$13,720-$14,538
Information Technology$8,595--$8,595
Occupancy$4,380--$4,380
Interest$4,329--$4,329
Travel$4,075--$4,075
Insurance$3,321--$3,321
Office Expenses$2,262--$2,262
Other Expenses$2,171--$2,171
Total Functional Expenses$201,741$34,395$0$236,136

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$236,136
Total Expenses per Audited Statements$236,136
Total Expenses per Form 990$236,136
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
Unearned Revenue$53,438
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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
Yes
Other officer compensation reviewed
No
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, Page 6, Part VI, Line 11B

“Auditor reviews form 990 with the board of directors before filing.”

Form 990, Page 6, Part VI, Line 12C

“The organization requires a signed written statement from directors and management regarding the conflict of interest policy.”

Form 990, Page 6, Part VI, Line 15A

“The board reviews the compensation of the president annually and does comparisons with similar organizations.”

Form 990, Page 6, Part VI, Line 19

“All required documents are available to public upon request.”

Filing and Contact Details

Filer

Filer Name
Iowa Foundation for Microenterprise
EIN
26-2238918
Phone
5152120182
Address
PO BOX 793, BOONE, IA 50036

Signing Officer

Name
Jeffrey Williams
Title
President
Phone
5152981871
Signed
2025-08-15

Organization Details

Principal Officer
Jeffrey Williams
Formed
2008
Legal Domicile
Ia
Voting Board Members
11
Independent Board Members
11
Employees
0

Preparer

Firm
Community CPA & Associates Inc
Address
3816 INGERSOLL AVE, DES MOINES, IA 50312-3413
Preparer
Junyoung Lee
Phone
5152883188
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Contract labor 66,000 20,675 0”

Form 990, Part XI, Line 9

“Adjustment-prior year 655”

Financial Statement Notes

Schedule D, Page 3, Part X

“The organization does not believe it has any income derived from unrelated business activities. The organization believes that it has appropriate support for any tax position taken, and as such, does not have any uncertain tax position that are material to the financial statements.”

Raw XML AppendixShowing 400 of 447 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.

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IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART III, LINE 12
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0UNEARNED REVENUE
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION DOES NOT BELIEVE IT HAS ANY INCOME DERIVED FROM UNRELATED BUSINESS ACTIVITIES. THE ORGANIZATION BELIEVES THAT IT HAS APPROPRIATE SUPPORT FOR ANY TAX POSITION TAKEN, AND AS SUCH, DOES NOT HAVE ANY UNCERTAIN TAX POSITION THAT ARE MATERIAL TO THE FINANCIAL STATEMENTS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0AUDITOR REVIEWS FORM 990 WITH THE BOARD OF DIRECTORS BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION REQUIRES A SIGNED WRITTEN STATEMENT FROM DIRECTORS AND MANAGEMENT REGARDING THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD REVIEWS THE COMPENSATION OF THE PRESIDENT ANNUALLY AND DOES COMPARISONS WITH SIMILAR ORGANIZATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL REQUIRED DOCUMENTS ARE AVAILABLE TO PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CONTRACT LABOR 66,000 20,675 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ADJUSTMENT-PRIOR YEAR 655
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XI, LINE 9
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