Civic Intelligence

Nacdc Financial Services Inc.

990 • Fiscal year 2016 • EIN 27-3156259

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 10, 2017

101 Pata Street PO Box 3029Browning, MT 59417

(406) 338-2992

Siviq Scores

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

Liabilities / Assets

79th percentile

0.36x

Higher debt load relative to assets than 79% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Liabilities / Revenue

83rd percentile

0.44x

Higher debt load relative to revenue than 83% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Net Margin

90th percentile

43%

Higher net margin than 90% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Top Officer Pay

89th percentile

$104,167

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 13.3% of source-year revenue.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Asset Growth

94th percentile

95%

Faster asset growth than 94% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2015 to 2016

Revenue Growth

98th percentile

346%

Faster revenue growth than 98% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2015 to 2016

Assets

Up

$951,540

Up $464,228 (+95%) from 2015

Net Assets

Up

$606,245

Up $458,965 (+312%) from 2015

Liabilities

Up

$345,295

Up $5,263 (+1.5%) from 2015

Revenue

Up

$781,362

Up $606,233 (+346%) from 2015

Expenses

Up

$444,649

Up $31,141 (+7.5%) from 2015

Net Income

Up

$336,713

Up $575,092 (+241%) from 2015

Historical Trend

Balance Sheet Trend

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

$30M$20M$10M$0Assets 2013: $245,194Liabilities 2013: $100,000Net Assets 2013: $145,1942013Assets 2014: $537,374Liabilities 2014: $151,715Net Assets 2014: $385,6592014Assets 2015: $487,312Liabilities 2015: $340,032Net Assets 2015: $147,2802015Assets 2016: $951,540Liabilities 2016: $345,295Net Assets 2016: $606,2452016Assets 2017: $1,678,317Liabilities 2017: $513,576Net Assets 2017: $1,164,7412017Assets 2018: $3,491,606Liabilities 2018: $1,547,910Net Assets 2018: $1,943,6962018Assets 2019: $4,616,439Liabilities 2019: $2,135,033Net Assets 2019: $2,481,4062019Assets 2020: $6,225,327Liabilities 2020: $2,391,509Net Assets 2020: $3,833,8182020Assets 2021: $10,612,328Liabilities 2021: $3,673,212Net Assets 2021: $6,939,1162021Assets 2022: $10,865,137Liabilities 2022: $5,186,779Net Assets 2022: $5,678,3582022Assets 2023: $14,354,447Liabilities 2023: $7,295,902Net Assets 2023: $7,058,5452023Assets 2024: $21,182,559Liabilities 2024: $10,743,431Net Assets 2024: $10,439,1282024

Highlighted filing

2016

Assets$951,540
Liabilities$345,295
Net Assets$606,245

Operations Trend

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MRevenue 2013: $198,377Expenses 2013: $59,967Net Income 2013: $138,4102013Revenue 2014: $564,688Expenses 2014: $317,130Net Income 2014: $247,5582014Revenue 2015: $175,129Expenses 2015: $413,508Net Income 2015: -$238,3792015Revenue 2016: $781,362Expenses 2016: $444,649Net Income 2016: $336,7132016Revenue 2017: $1,109,572Expenses 2017: $551,076Net Income 2017: $558,4962017Revenue 2018: $1,568,460Expenses 2018: $787,153Net Income 2018: $781,3072018Revenue 2019: $1,429,570Expenses 2019: $891,860Net Income 2019: $537,7102019Revenue 2020: $2,357,326Expenses 2020: $1,080,112Net Income 2020: $1,277,2142020Revenue 2021: $4,375,073Expenses 2021: $1,332,943Net Income 2021: $3,042,1302021Revenue 2022: $2,671,836Expenses 2022: $1,626,283Net Income 2022: $1,045,5532022Revenue 2023: $3,947,819Expenses 2023: $2,505,758Net Income 2023: $1,442,0612023Revenue 2024: $7,106,482Expenses 2024: $3,705,277Net Income 2024: $3,401,2052024

Highlighted filing

2016

Revenue$781,362
Expenses$444,649
Net Income$336,713
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 10, 2017
Return Version
2016v3.0
Gross Receipts
$781,362
Mission and Program Overview

Mission

Provide alternative financing opportunity for Native American entrepreneurs and small businesses in communities in and near Indian Reservations.

Community Development Financial Institution.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$351,070$422,617▲ $71,547
Pledges and Grants Receivable$128,633$389,342▲ $260,709
Cash and Non-Interest-Bearing Accounts$109,525$120,887▲ $11,362
Accounts Receivable$21,702$17,334▼ $4,368
Prepaid Expenses and Deferred Charges$1,360$1,360→ $0
Savings and Temporary Cash Investments$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
Land, Buildings, and Equipment, Net$0--
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$612,290$951,540▲ $339,250
Other Assets Total$0$0→ $0
Liabilities
Other Liabilities$339,647$343,267▲ $3,620
Accounts Payable and Accrued Expenses$3,111$2,028▼ $1,083
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$342,758$345,295▲ $2,537
Net Assets / Fund Balance
Unrestricted Net Assets$191,017$606,245▲ $415,228
Temporarily Rstr Net Assets$78,515$0▼ $78,515
Permanently Rstr Net Assets$0$0→ $0
Total Net Assets Fund Balance$269,532$606,245▲ $336,713
Total Liabilities and Net Assets / Fund Balance$612,290$951,540▲ $339,250
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Andrea MainBoard ChairFT$79,167$25,000$104,167

Board Members and Trustees

NameTitle
Caroline BrownBoard Member
Jay MarcusBoard Member
Leo Kennerly IIIBoard Member
Melanie WallBoard Member
Roberta HarrisBoard Member
Loretta BellDirector
Yolanda Good VoiceDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$738,699
Program Service Revenue
$0
Investment Income
$36,006
Other Revenue
$6,657
All Other Contributions
$235,400
Change in Net Assets
$336,713

Audited Revenue Reconciliation

Revenue per Audited Statements
$781,362
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$781,362
Total Revenue per Form 990
$781,362
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$270,689
Other Expenses$173,960
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$143,261$0$0$143,261
Current Officers, Directors, Trustees, and Key Employees$104,167$0$0$104,167
Fees for Services Other$46,636$0$0$46,636
Travel$37,684$0$0$37,684
Payroll Taxes$22,772$0$0$22,772
Office Expenses$22,009$0$0$22,009
Fees for Services Accounting$15,000$0$0$15,000
Interest$14,307$0$0$14,307
Conferences and Meetings$13,853$0$0$13,853
Other Expenses$7,391$0$0$7,391
Advertising$7,357$0$0$7,357
Occupancy$6,000$0$0$6,000
Insurance$2,376$0$0$2,376
Other Employee Benefits$489$0$0$489
Fees for Services Legal$25$0$0$25
Total Functional Expenses$444,649$0$0$444,649

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$444,649
Total Expenses per Audited Statements$444,649
Total Expenses per Form 990$444,649
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Note Payable US Department of Agriculture$103,267
Note Payable First Nations Oweesta$90,000
Note Payable Indian Land Tenure Foundation$50,000
Note Payable Indian Land Tenure Foundation$50,000
Note Payable First Nation Oweesta$50,000
Governance and Compliance

Governance Checklist

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

Form 990, Part VI, Section B, Line 11B

Form 990, Part VI Section B Line 11b - Reviewed with Board upon Request

Form 990, Part VI, Section C, Line 19

Potential funders typically request copies of audited financial statements and they are provided along with in some cases copies of corporateorganizing documents. Otherwise there have been no other requests for these types of documents.

Filing and Contact Details

Filer

Filer Name
NACDC Financial Services Inc
EIN
27-3156259
Phone
4063382992
Address
101 Pata Street PO Box 3029, Browning, MT 59417

Signing Officer

Name
Robert Moore
Title
Finance Manager
Phone
3038701895
Signed
2017-11-10

Organization Details

Principal Officer
Andrea Main
Formed
2010
Legal Domicile
Mt
Voting Board Members
8
Independent Board Members
6
Employees
0
Volunteers
0
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

This line item represents all fees paid to consultants and contractors working for the organization on preogram-related services throughout 2016

Raw XML AppendixShowing 400 of 634 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/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt00
IRS990/LegalDomicileStateCd0MT
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembershipDuesAmt00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt01292
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt01292
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0Community Development Financial Institution. In addition to making credit builder, small business and housing loans, organization provides credsit counseling as well as small business and farm and ranch training and assistance. It also supports and administers a financial literacy initiative at local school.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt0269532
IRS990/NetAssetsOrFundBalancesEOYAmt0606245
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NoncashContributionsAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt06000
IRS990/OccupancyGrp/TotalAmt06000
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt022009
IRS990/OfficeExpensesGrp/TotalAmt022009
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt00
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0489
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0489
IRS990/OtherExpensesGrp/Desc0Miscellaneous fees and expenses associated with loan servicing and securitization
IRS990/OtherExpensesGrp/Desc1Miscellaneous other expenses
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ProgramServicesAmt01322
IRS990/OtherExpensesGrp/ProgramServicesAmt17391
IRS990/OtherExpensesGrp/TotalAmt01322
IRS990/OtherExpensesGrp/TotalAmt17391
IRS990/OtherLiabilitiesGrp/BOYAmt0339647
IRS990/OtherLiabilitiesGrp/EOYAmt0343267
IRS990/OtherRevenueMiscGrp/BusinessCd0523920
IRS990/OtherRevenueMiscGrp/Desc0Fee Income
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt05365
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt05365
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueTotalAmt06657
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0143261
IRS990/OtherSalariesAndWagesGrp/TotalAmt0143261
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0351070
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0422617
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd01
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt022772
IRS990/PayrollTaxesGrp/TotalAmt022772
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt00
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0128633
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0389342
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01360
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01360
IRS990/PrincipalOfficerNm0Andrea Main
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0216994
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt022670
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0160482
IRS990/PYOtherRevenueAmt030792
IRS990/PYProgramServiceRevenueAmt033306
IRS990/PYRevenuesLessExpensesAmt0-112287
IRS990/PYSalariesCompEmpBnftPaidAmt0255567
IRS990/PYTotalExpensesAmt0416049
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0303762
IRS990/QuidProQuoContributionsInd00
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0336713
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0781362
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990ScheduleA/First5Years170Ind0X
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0These numbers represent minor sources of revenues that are both not significant and/or irregular
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0Schedule A, Part II, Line 10
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0744064

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