Civic Intelligence

Black Hills Community Loan Fund Inc

EIN 26-2504959 • 501(c)3 • Rapid City, SD

Profile

To create individualized financial opportunities for socially and economically disadvantaged people in rapid city and its surrounding communities to enhance their quality of life.

1764 Centre St Ste 1Rapid City, SD 57703

www.bhclf.org

Siviq Scores

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

Liabilities / Assets

69th percentile

0.22x

Higher debt load relative to assets than 69% of similar nonprofits.

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

Liabilities / Revenue

66th percentile

0.20x

Higher debt load relative to revenue than 66% of similar nonprofits.

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

Net Margin

88th percentile

47%

Higher net margin than 88% of similar nonprofits.

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

Top Officer Pay

58th percentile

$79,181

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 4.8% of source-year revenue.

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

Asset Growth

25th percentile

-4.5%

Faster asset growth than 25% of similar nonprofits.

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

Revenue Growth

81st percentile

43%

Faster revenue growth than 81% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$1,448,038

Up $540,819 (+60%) from 2022

Liabilities

Up

$324,932

Up $190,710 (+142%) from 2022

Net Assets

Up

$1,123,106

Up $350,109 (+45%) from 2022

Operations
Liabilities / Revenue66th percentileNet Margin88th percentile

Revenue

Up

$1,661,295

Up $852,385 (+105%) from 2022

Expenses

Up

$882,795

Up $137,208 (+18%) from 2022

Net Income

Up

$778,500

Up $715,177 (+1129%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

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

$1.5M$1.0M$500K$0Assets 2011: $195,125Liabilities 2011: $186,262Net Assets 2011: $8,8632011Assets 2012: $111,205Liabilities 2012: $2,337Net Assets 2012: $108,8682012Assets 2013: $52,594Liabilities 2013: $12,776Net Assets 2013: $39,8182013Assets 2016: $213,140Liabilities 2016: $10,724Net Assets 2016: $202,4162016Assets 2017: $484,492Liabilities 2017: $20,035Net Assets 2017: $464,4572017Assets 2018: $359,630Liabilities 2018: $14,779Net Assets 2018: $344,8512018Assets 2019: $370,070Liabilities 2019: $19,891Net Assets 2019: $350,1792019Assets 2020: $870,354Liabilities 2020: $66,925Net Assets 2020: $803,4292020Assets 2021: $852,671Liabilities 2021: $74,840Net Assets 2021: $777,8312021Assets 2022: $907,219Liabilities 2022: $134,222Net Assets 2022: $772,9972022Assets 2024: $1,448,038Liabilities 2024: $324,932Net Assets 2024: $1,123,1062024

Highlighted filing

2024

Assets$1,448,038
Liabilities$324,932
Net Assets$1,123,106
Open 2024 Filing

Operations Trend

Revenue Growth81st percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KRevenue 2011: $77,016Expenses 2011: $78,548Net Income 2011: -$1,5322011Revenue 2012: $865Expenses 2012: $84,141Net Income 2012: -$83,2762012Revenue 2013: $383Expenses 2013: $69,433Net Income 2013: -$69,0502013Revenue 2016: $217,687Expenses 2016: $65,323Net Income 2016: $152,3642016Revenue 2017: $359,557Expenses 2017: $97,516Net Income 2017: $262,0412017Revenue 2018: $37,470Expenses 2018: $157,076Net Income 2018: -$119,6062018Revenue 2019: $256,619Expenses 2019: $251,291Net Income 2019: $5,3282019Revenue 2020: $672,857Expenses 2020: $219,607Net Income 2020: $453,2502020Revenue 2021: $290,601Expenses 2021: $316,199Net Income 2021: -$25,5982021Revenue 2022: $808,910Expenses 2022: $745,587Net Income 2022: $63,3232022Revenue 2024: $1,661,295Expenses 2024: $882,795Net Income 2024: $778,5002024

Highlighted filing

2024

Revenue$1,661,295
Expenses$882,795
Net Income$778,500
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
$1,448,038
Liabilities
$324,932
Net assets
$1,123,106
Revenue
$1,661,295
Expenses
$882,795
Net income
$778,500
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.45$0.32$1.12$1.66$0.88$0.78
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.91$0.13$0.77$0.81$0.75$0.06
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.85$0.07$0.78$0.29$0.32$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.87$0.07$0.80$0.67$0.22$0.45
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.37$0.02$0.35$0.26$0.25$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.36$0.01$0.34$0.04$0.16$0.12
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.48$0.02$0.46$0.36$0.10$0.26
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.21$0.01$0.20$0.22$0.07$0.15
2013Detailed filing. Detailed filing data is available for this year.$0.05$0.01$0.04$0.00$0.07$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.11$0.00$0.11$0.00$0.08$0.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.20$0.19$0.01$0.08$0.08$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 15, 2025
Return Version
2024v5.2
Gross Receipts
$1,661,295
Mission and Program Overview

Mission

To create financial opportunities for people who are not being economically served by typical lending institutions in rapid city, south dakota, and surrounding communities.

To create financial opportunities for people who are not being economically served by typical lending institutions in rapid city, south dakota and surrounding communities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$195,873$1,308,604▲ $1,112,731
Other Notes and Loans Receivable, Net$167,506$91,441▼ $76,065
Accounts Receivable$1,141,569$39,142▼ $1,102,427
Land, Buildings, and Equipment, Net$10,787$8,851▼ $1,936
Prepaid Expenses and Deferred Charges$604--
Total Assets$1,516,339$1,448,038▼ $68,301
Liabilities
Deferred Revenue$1,140,169--
Unsecured Notes Loans Payable$113,528$297,127▲ $183,599
Accounts Payable and Accrued Expenses$67,639$27,805▼ $39,834
Total Liabilities$1,321,336$324,932▼ $996,404
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-4,997$923,106▲ $928,103
Net Assets With Donor Restrictions$200,000$200,000→ $0
Total Net Assets Fund Balance$195,003$1,123,106▲ $928,103
Total Liabilities and Net Assets / Fund Balance$1,516,339$1,448,038▼ $68,301

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$8,851$2,766$11,617

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2024$200,000---$200,000
2023$16,727$200,000-$16,727$200,000
2022$24,247$50,000-$57,520$16,727
2021$24,247---$24,247
2020$24,247---$24,247
Compensation and Service Providers
Top Officer Pay58th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Barbara SchmittExecutive Director-$79,181$79,181
Eileen LaffertyExecutive DirectorFT$57,056$57,056
Cassandra PalmierTreasurer-$3,000$3,000
Ramona HarringtonDirector-$3,000$3,000
Bonnie LeBeauSecretary-$2,500$2,500
Tanya FiddlerPresident-$2,500$2,500

Board Members and Trustees

NameTitle
Yolanda GarciaDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$1,645,900
Program Service Revenue
$0
Investment Income
$586
Other Revenue
$14,809
All Other Contributions
$1,523,133
Change in Net Assets
$778,500
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$552,256
Other Expenses$330,539
Total Fundraising Expense$106,415
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$316,906$135,861$68,374$521,141
Fees for Services Management$67,805$29,069$14,628$111,502
Occupancy$31,851$9,896$3,942$45,689
Office Expenses$24,165$10,360$5,214$39,739
Payroll Taxes$18,921$8,112$4,082$31,115
Other Expenses$27,778$4,287$2,157$27,778
Advertising$14,948$6,409$3,225$24,582
Travel$12,404$5,317$2,676$20,397
Fees for Services Legal$7,508$2,648-$10,156
Interest$5,793$2,484$1,249$9,526
Conferences and Meetings$3,435$1,474$741$5,650
Depreciation Depletion$589$252$127$968
Total Functional Expenses$560,211$216,169$106,415$882,795
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
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
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

Committee meeting documentation Part VI line 8B

“There are no committees therefore question 8b does not apply.”

Form 990 governing body review Part VI line 11

“The chairman reviews the form 990 prior to filing.”

Conflict of interest policy compliance Part VI line 12C

“The policy is detailed in the board of directors operating policies and the personnel policies & procedures manuals.”

CEO executive director top management comp Part VI line 15A

“Evaluation of the executive director is performed annually by the board.”

Governing documents etc available to public Part VI line 19

“Copies of form 990, governing documents, conflict of interest policy and financial statements are all available upon request.”

Filing and Contact Details

Filer

Filer Name
Black Hills Community Loan Fund Inc
EIN
26-2504959
In Care Of
% Tanya Fiddler
Phone
6055195124
Address
1764 CENTRE ST STE 1, RAPID CITY, SD 57703

Signing Officer

Name
Tanya Fiddler
Title
President
Phone
6053656676
Signed
2025-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bonnie LeBeau
Formed
2007
Legal Domicile
Sd
Voting Board Members
5
Independent Board Members
5
Employees
10

Preparer

Firm
Donna Denker & Associates
Address
PO Box 3650, RAPID CITY, SD 57709
Preparer
Donna Denker
Phone
6057213382
Supplemental Narrative

Additional Explanations

Part XI response or note to any line in Part XI

“Prior period adjustment- adjustments were made to correct balances totaling $149,603.”

Raw XML AppendixShowing 400 of 444 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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IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0604
IRS990/PrincipalOfficerNm0Bonnie LeBeau
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BARBARA SCHMITT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Executive Director
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THERE ARE NO COMMITTEES THEREFORE QUESTION 8B DOES NOT APPLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CHAIRMAN REVIEWS THE FORM 990 PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE POLICY IS DETAILED IN THE BOARD OF DIRECTORS OPERATING POLICIES AND THE PERSONNEL POLICIES & PROCEDURES MANUALS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3EVALUATION OF THE EXECUTIVE DIRECTOR IS PERFORMED ANNUALLY BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COPIES OF FORM 990, GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE ALL AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Prior period adjustment- adjustments were made to correct balances totaling $149,603.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Committee meeting documentation Part VI line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part XI response or note to any line in Part XI
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