Civic Intelligence

Union Microfinanza Inc.

990 • Fiscal year 2024 • EIN 27-1044964

Apr 01, 2023 to Mar 31, 2024 • Filed on Jan 29, 2025

Organization Profilealdeadevelopment.org
PO Box 425Grand Haven, MI 49417

(321) 727-2120

Siviq Scores

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

Liabilities / Assets

86th percentile

0.31x

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

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

95th percentile

0.98x

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

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

82nd percentile

30%

Higher net margin than 82% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

84th percentile

$14,992

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 11.6% of source-year revenue.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

53rd percentile

2.8%

Faster asset growth than 53% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

78th percentile

36%

Faster revenue growth than 78% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$409,409

Up $11,114 (+2.8%) from 2023

Net Assets

Up

$282,740

Up $38,938 (+16%) from 2023

Liabilities

Down

$126,669

Down $27,824 (-18%) from 2023

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin82nd percentile

Revenue

Up

$129,176

Up $34,349 (+36%) from 2023

Expenses

Up

$90,238

Up $35,133 (+64%) from 2023

Net Income

Down

$38,938

Down $784 (-2.0%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth53rd percentile

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

$600K$400K$200K$0Assets 2019: $252,891Liabilities 2019: $120,102Net Assets 2019: $132,7892019Assets 2020: $281,235Liabilities 2020: $104,966Net Assets 2020: $176,2692020Assets 2021: $268,395Liabilities 2021: $88,139Net Assets 2021: $180,2562021Assets 2022: $263,614Liabilities 2022: $59,534Net Assets 2022: $204,0802022Assets 2023: $398,295Liabilities 2023: $154,493Net Assets 2023: $243,8022023Assets 2024: $409,409Liabilities 2024: $126,669Net Assets 2024: $282,7402024Assets 2025: $463,847Liabilities 2025: $98,580Net Assets 2025: $365,2672025

Highlighted filing

2024

Assets$409,409
Liabilities$126,669
Net Assets$282,740
Open 2024 Filing

Operations Trend

Revenue Growth78th percentile

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

$300K$200K$100K$0Revenue 2019: $105,129Expenses 2019: $82,401Net Income 2019: $22,7282019Revenue 2020: $110,275Expenses 2020: $66,795Net Income 2020: $43,4802020Revenue 2021: $69,795Expenses 2021: $65,808Net Income 2021: $3,9872021Revenue 2022: $91,311Expenses 2022: $67,487Net Income 2022: $23,8242022Revenue 2023: $94,827Expenses 2023: $55,105Net Income 2023: $39,7222023Revenue 2024: $129,176Expenses 2024: $90,238Net Income 2024: $38,9382024Revenue 2025: $205,269Expenses 2025: $122,742Net Income 2025: $82,5272025

Highlighted filing

2024

Revenue$129,176
Expenses$90,238
Net Income$38,938
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Apr 1, 2023 to Mar 31, 2024
Signed
Jan 29, 2025
Return Version
2023v6.0
Gross Receipts
$369,358
Mission and Program Overview

Mission

The organization is dedicated to improving the condition of impoverished rural communities through innovation and research.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$173,872$175,083▲ $1,211
Inventories for Sale or Use$101,493$99,511▼ $1,982
Land, Buildings, and Equipment, Net$52,218$68,114▲ $15,896
Savings and Temporary Cash Investments$51,546$48,189▼ $3,357
Cash and Non-Interest-Bearing Accounts$19,166$18,512▼ $654
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Intangible Assets$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$398,295$409,409▲ $11,114
Other Assets Total$0$0→ $0
Liabilities
Unsecured Notes Loans Payable$135,348$114,495▼ $20,853
Accounts Payable and Accrued Expenses$11,549$9,707▼ $1,842
Deferred Revenue$7,596$2,467▼ $5,129
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Other Liabilities$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$154,493$126,669▼ $27,824
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$243,802$282,740▲ $38,938
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$243,802$282,740▲ $38,938
Total Liabilities and Net Assets / Fund Balance$398,295$409,409▲ $11,114

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$37,152$11,002-
Land$14,735--
Equipment$16,227$4,255-
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Charles HeinsPresidentFT$14,992$14,992

Board Members and Trustees

NameTitle
Heather Farrellofficer
Mike O'Learyofficer
Doug HeinsSecretary
Andrew BoydTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$49,088
Program Service Revenue
$1,896
Investment Income
$3,307
Other Revenue
$74,885
All Other Contributions
$49,088
Change in Net Assets
$38,938
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$45,510
Other Expenses$44,728
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$27,694$0$0$27,694
Current Officers, Directors, Trustees, and Key Employees$0$15,564$0$15,564
Fees for Services Other$10,219$0$0$10,219
Office Expenses$2,317$3,281$0$5,598
Interest$3,516$0$0$3,516
Depreciation Depletion$1,810$622$0$2,432
Payroll Taxes$0$2,252$0$2,252
Occupancy$1,573$0$0$1,573
All Other Expenses$162$714$0$876
Advertising$98$626$0$724
Travel$626$0$0$626
Fees for Services Accounting$0$608$0$608
Information Technology$349$250$0$599
Insurance$406$0$0$406
Fees for Services Legal$0$203$0$203
Other Expenses$120$0$0$120
Total Functional Expenses$66,118$24,120$0$90,238
International Activity

International Compliance

Activity in boycott countries
No
Foreign corporation ownership
No
Foreign partnership interest
No
Interest in foreign trust
No
Passive foreign investment company interest
No
Transfers to foreign corporations
No
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
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

Part VI, Line 12C

“The policy is reviewed annually by the board. If any conflicts are noted steps are taken to mitigate them. To date there have been no conflicts of interest.”

Part VI, Line 19

“All governing documents are available to the general public upon request.”

Filing and Contact Details

Filer

Filer Name
Union Microfinanza Inc
EIN
27-1044964
In Care Of
% Charles Heins
Phone
3217272120
Address
PO Box 425, Grand Haven, MI 49417
Doing Business As
Aldea Development

Signing Officer

Name
Charles D Heins Heins
Title
President
Signed
2025-01-29

Organization Details

Formed
2009
Legal Domicile
Mi
Voting Board Members
5
Independent Board Members
5
Employees
1
Volunteers
40
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IRS990/Desc0Operates a microfinance program in 32 impoverished Honduras villages. Loan recipients consist of poor small-yield farmers whom we help increase their agricultural capacities. Physical inputs such as fertilizer and field tools are offered to farmers without credit history or collateral. Clients attend payment and program update meetings every two weeks. In addition the organization purchases coffee directly from these farmers and encourages them to produce high-quality coffee by holding training sessions on farming and processing techniques. We also constructed a coffee processing facility available to local small scale coffee farmers who otherwise sell their coffee unprocessed.
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IRS990/MissionDesc0The organization is dedicated to improving the condition of impoverished rural communities through innovation and research.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt0243802
IRS990/NetAssetsOrFundBalancesEOYAmt0282740
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-166
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeFromGamingGrp/ExclusionAmt00
IRS990/NetIncomeFromGamingGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeOrLossGrp/ExclusionAmt075802
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt075802
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0243802
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0282740
IRS990/NoncashContributionsAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt01573
IRS990/OccupancyGrp/TotalAmt01573
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt03281
IRS990/OfficeExpensesGrp/ProgramServicesAmt02317
IRS990/OfficeExpensesGrp/TotalAmt05598
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt00
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Community Projects
IRS990/OtherExpensesGrp/Desc1Vehicle Repairs
IRS990/OtherExpensesGrp/Desc2Bad Debt Expense
IRS990/OtherExpensesGrp/Desc3Inventory Storage
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt010704
IRS990/OtherExpensesGrp/ProgramServicesAmt16236
IRS990/OtherExpensesGrp/ProgramServicesAmt2288
IRS990/OtherExpensesGrp/ProgramServicesAmt3120
IRS990/OtherExpensesGrp/TotalAmt010704
IRS990/OtherExpensesGrp/TotalAmt16236
IRS990/OtherExpensesGrp/TotalAmt2288
IRS990/OtherExpensesGrp/TotalAmt3120
IRS990/OtherLiabilitiesGrp/BOYAmt00
IRS990/OtherLiabilitiesGrp/EOYAmt00
IRS990/OtherRevenueMiscGrp/Desc0realized currency gains
IRS990/OtherRevenueMiscGrp/Desc1bank revaluations
IRS990/OtherRevenueMiscGrp/Desc2miscellaneous revenue
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/ExclusionAmt20
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt10
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0-107
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1-976
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt236
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt20
IRS990/OtherRevenueTotalAmt0-917
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt027694
IRS990/OtherSalariesAndWagesGrp/TotalAmt027694
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt00
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt02252
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt02252
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Charles Heins
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Program Service Fees
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/ExclusionAmt40
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01896
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt10

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Filings

Displayed year

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

Open filing
Assets
$409,409
Liabilities
$126,669
Net assets
$282,740
Revenue
$129,176
Expenses
$90,238
Net income
$38,938
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$4.64$0.99$3.65$2.05$1.23$0.83
2024Detailed filing. Detailed filing data is available for this year.$4.09$1.27$2.83$1.29$0.90$0.39
2023Detailed filing. Detailed filing data is available for this year.$3.98$1.54$2.44$0.95$0.55$0.40
2022Detailed filing. Detailed filing data is available for this year.$2.64$0.60$2.04$0.91$0.67$0.24
2021Detailed filing. Detailed filing data is available for this year.$2.68$0.88$1.80$0.70$0.66$0.04
2020Detailed filing. Detailed filing data is available for this year.$2.81$1.05$1.76$1.10$0.67$0.43
2019Detailed filing. Detailed filing data is available for this year.$2.53$1.20$1.33$1.05$0.82$0.23