Civic Intelligence

Nacdc Financial Services Inc.

990 • Fiscal year 2019 • EIN 27-3156259

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 10, 2020

201 N Piegan Street PO Box 3029Browning, MT 59417

(406) 338-2099

Siviq Scores

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

Liabilities / Assets

80th percentile

0.46x

Higher debt load relative to assets than 80% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

89th percentile

1.49x

Higher debt load relative to revenue than 89% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Net Margin

87th percentile

38%

Higher net margin than 87% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

79th percentile

$130,000

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 9.1% of source-year revenue.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2019

Asset Growth

86th percentile

32%

Faster asset growth than 86% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

23rd percentile

-8.9%

Faster revenue growth than 23% of similar nonprofits.

2019 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Assets

Up

$4,616,439

Up $1,124,833 (+32%) from 2018

Net Assets

Up

$2,481,406

Up $537,710 (+28%) from 2018

Liabilities

Up

$2,135,033

Up $587,123 (+38%) from 2018

Revenue

Down

$1,429,570

Down $138,890 (-8.9%) from 2018

Expenses

Up

$891,860

Up $104,707 (+13%) from 2018

Net Income

Down

$537,710

Down $243,597 (-31%) from 2018

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

2019

Assets$4,616,439
Liabilities$2,135,033
Net Assets$2,481,406

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

2019

Revenue$1,429,570
Expenses$891,860
Net Income$537,710
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 10, 2020
Return Version
2019v5.0
Gross Receipts
$1,429,570
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. Provides housing, credit builder and general consumer and business financing, check cashing along with credit counseling and business assistance. Also active in promoting financial education and opportunities for youth

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,554,348$2,757,646▲ $1,203,298
Pledges and Grants Receivable$0$800,000▲ $800,000
Cash and Non-Interest-Bearing Accounts$1,393,135$459,513▼ $933,622
Land, Buildings, and Equipment, Net$182,244$332,520▲ $150,276
Savings and Temporary Cash Investments$300,588$183,047▼ $117,541
Accounts Receivable$25,143$47,378▲ $22,235
Prepaid Expenses and Deferred Charges$1,148$1,004▼ $144
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$3,491,606$4,616,439▲ $1,124,833
Other Assets Total$35,000$35,331▲ $331
Liabilities
Other Liabilities$1,545,535$2,030,000▲ $484,465
Accounts Payable and Accrued Expenses$2,375$105,033▲ $102,658
Grants Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$1,547,910$2,135,033▲ $587,123
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,943,696$2,481,406▲ $537,710
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$1,943,696$2,481,406▲ $537,710
Total Liabilities and Net Assets / Fund Balance$3,491,606$4,616,439▲ $1,124,833

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$307,170$10,541$0
Other Land Buildings$8,392$1,930$0
Land$0-$0
Equipment$16,958$6,277$0
Leasehold Improvements$0$0$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Andrea MainBoard ChairFT$130,000$130,000
Melanie WallBoard Member-$1,000$1,000

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$1,185,151
Program Service Revenue
$244,419
Investment Income
$0
Other Revenue
$0
All Other Contributions
$266,500
Change in Net Assets
$537,710
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$573,432
Other Expenses$316,928
Grants and Similar Amounts Paid$1,500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$343,851$0$0$343,851
Current Officers, Directors, Trustees, and Key Employees$130,000$0$0$130,000
Fees for Services Other$57,950$0$0$57,950
Interest$54,519$0$0$54,519
Office Expenses$50,336$0$0$50,336
Travel$49,579$0$0$49,579
Other Employee Benefits$43,837$0$0$43,837
Payroll Taxes$39,016$0$0$39,016
All Other Expenses$20,218$0$0$20,218
Fees for Services Accounting$16,866$0$0$16,866
Pension Plan Contributions$16,728$0$0$16,728
Depreciation Depletion$12,877$0$0$12,877
Insurance$11,607$0$0$11,607
Fees for Services Legal$10,482$0$0$10,482
Advertising$9,329$0$0$9,329
Other Expenses$6,250$0$0$6,250
Occupancy$5,500$0$0$5,500
Information Technology$1,613$0$0$1,613
Grants to Domestic Individuals$1,500--$1,500
Conferences and Meetings$922$0$0$922
Total Functional Expenses$891,860$0$0$891,860
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lomg Term capital loans for lending$2,030,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
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 - Copy of Form 990-is made available to Management before filing, and is available upon request to board members

Form 990, Part VI, Section B, Line 15

Form 990, Part VI, Section B, Line 15. Compensation for Executive Director is reviewed by the Board of Directors. That review includes an evaluation of performance and comparison with compensation of similar positions elsewhere. Key staff compensation is reviewed by Executive Director who utilizes publicly available compensation surveys for similar organizations.

Form 990, Part VI, Section C, Line 19

Form 990, Part VI, Section C, Line 19 - Form 990, Part VI, Section C, Line 19 - No requests to review 990 tax return or conflict of interest policy were made. Requests for financial statements were made frequently by existing and potential funders and these were provided primarily by email

Filing and Contact Details

Filer

Filer Name
Nacdc Financial Services Inc
EIN
27-3156259
Phone
4063382099
Address
201 N Piegan Street PO Box 3029, Browning, MT 59417

Signing Officer

Name
Robert Moore
Title
Accounting Coordinator
Phone
3038701895
Signed
2020-11-10

Organization Details

Principal Officer
Andrea Main
Formed
2010
Legal Domicile
Mt
Voting Board Members
7
Independent Board Members
6
Employees
16
Volunteers
0
Raw XML AppendixShowing 400 of 641 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/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt00
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt06
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt018748
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0182244
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0332520
IRS990/LandBldgEquipCostOrOtherBssAmt0351268
IRS990/LegalDomicileStateCd0MT
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
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/RelatedOrExemptFuncIncomeAmt00
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0Community Development Financial Institution. In addition to making credit builder, small business and housing loans, organization provides credit 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, and instituted a check cashing service in 2018
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt01943696
IRS990/NetAssetsOrFundBalancesEOYAmt02481406
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
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/ExclusionAmt00
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt01943696
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt02481406
IRS990/NoncashContributionsAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt05500
IRS990/OccupancyGrp/TotalAmt05500
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt050336
IRS990/OfficeExpensesGrp/TotalAmt050336
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt035000
IRS990/OtherAssetsTotalGrp/EOYAmt035331
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt043837
IRS990/OtherEmployeeBenefitsGrp/TotalAmt043837
IRS990/OtherExpensesGrp/Desc0Printing and Publication
IRS990/OtherExpensesGrp/Desc1Credit Bureau expense
IRS990/OtherExpensesGrp/Desc2Staff Training
IRS990/OtherExpensesGrp/Desc3Trade Show Expenses
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/ProgramServicesAmt05911
IRS990/OtherExpensesGrp/ProgramServicesAmt12019
IRS990/OtherExpensesGrp/ProgramServicesAmt2950
IRS990/OtherExpensesGrp/ProgramServicesAmt36250
IRS990/OtherExpensesGrp/TotalAmt05911
IRS990/OtherExpensesGrp/TotalAmt12019
IRS990/OtherExpensesGrp/TotalAmt2950
IRS990/OtherExpensesGrp/TotalAmt36250
IRS990/OtherLiabilitiesGrp/BOYAmt01545535
IRS990/OtherLiabilitiesGrp/EOYAmt02030000
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0343851
IRS990/OtherSalariesAndWagesGrp/TotalAmt0343851
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01554348
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02757646
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt039016
IRS990/PayrollTaxesGrp/TotalAmt039016
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt016728
IRS990/PensionPlanContributionsGrp/TotalAmt016728
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0800000
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01148
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01004
IRS990/PrincipalOfficerNm0Andrea Main
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522298
IRS990/ProgramServiceRevenueGrp/BusinessCd1522298
IRS990/ProgramServiceRevenueGrp/Desc0Interest Income from Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0169618
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt142611
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0169618
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt142611
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0NACDC Financial Services, Inc. operated a check cashing and money order business as well as a segment of the overall lending program that focused on consumer short term loans. Operation also included an ATM machine
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0158601
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt042605
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt01433965
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00

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