Civic Intelligence

Mishawaka Business Association Inc

EIN 35-1484900 • 501(c)6 • Mishawaka, IN

Profile

Promote business environment in mishawaka

PO Box 1999Mishawaka, IN 46546-1999

mishawakabusiness.org

Siviq Scores

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

Liabilities / Assets

91st percentile

0.51x

Higher debt load relative to assets than 91% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

91st percentile

0.40x

Higher debt load relative to revenue than 91% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

24th percentile

-17%

Higher net margin than 24% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

25th percentile

-22%

Faster asset growth than 25% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

83rd percentile

30%

Faster revenue growth than 83% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Assets

Down

$49,279

Down $14,062 (-22%) from 2023

Liabilities

Down

$24,908

Down $590 (-2.3%) from 2023

Net Assets

Down

$24,371

Down $13,472 (-36%) from 2023

Revenue

Up

$62,212

Up $14,322 (+30%) from 2023

Expenses

Up

$73,035

Up $38,386 (+111%) from 2023

Net Income

Down

-$10,823

Down $24,064 (-182%) from 2023

Trend Graphs

Balance Sheet Trend

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

$80K$60K$40K$20K$0Assets 2010: $34,180Net Assets 2010: $34,1802010Assets 2011: $16,921Net Assets 2011: $16,9212011Assets 2012: $13,713Net Assets 2012: $13,7132012Assets 2013: $14,222Net Assets 2013: $14,2222013Assets 2014: $32,995Net Assets 2014: $32,9952014Assets 2015: $56,872Net Assets 2015: $56,8722015Assets 2016: $68,294Net Assets 2016: $68,2942016Assets 2017: $59,101Net Assets 2017: $59,1012017Assets 2018: $36,198Net Assets 2018: $36,1982018Assets 2019: $23,630Net Assets 2019: $23,6302019Assets 2020: $26,343Liabilities 2020: $25,000Net Assets 2020: $1,3432020Assets 2021: $58,737Liabilities 2021: $25,000Net Assets 2021: $33,7372021Assets 2022: $58,616Liabilities 2022: $26,072Net Assets 2022: $32,5442022Assets 2023: $63,341Liabilities 2023: $25,498Net Assets 2023: $37,8432023Assets 2024: $49,279Liabilities 2024: $24,908Net Assets 2024: $24,3712024

Highlighted filing

2024

Assets$49,279
Liabilities$24,908
Net Assets$24,371

Operations Trend

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

$100K$50K$0-$50KRevenue 2010: $57,582Expenses 2010: $63,946Net Income 2010: -$6,3642010Revenue 2011: $42,513Expenses 2011: $59,772Net Income 2011: -$17,2592011Revenue 2012: $55,128Expenses 2012: $58,336Net Income 2012: -$3,2082012Revenue 2013: $44,422Expenses 2013: $43,913Net Income 2013: $5092013Revenue 2014: $57,910Expenses 2014: $39,137Net Income 2014: $18,7732014Revenue 2015: $67,900Expenses 2015: $44,023Net Income 2015: $23,8772015Revenue 2016: $68,518Expenses 2016: $57,096Net Income 2016: $11,4222016Revenue 2017: $50,314Expenses 2017: $59,507Net Income 2017: -$9,1932017Revenue 2018: $46,931Expenses 2018: $69,834Net Income 2018: -$22,9032018Revenue 2019: $46,432Expenses 2019: $59,000Net Income 2019: -$12,5682019Revenue 2020: $16,741Expenses 2020: $39,027Net Income 2020: -$22,2862020Revenue 2021: $63,847Expenses 2021: $31,453Net Income 2021: $32,3942021Revenue 2022: $39,715Expenses 2022: $52,825Net Income 2022: -$13,1102022Revenue 2023: $47,890Expenses 2023: $34,649Net Income 2023: $13,2412023Revenue 2024: $62,212Expenses 2024: $73,035Net Income 2024: -$10,8232024

Highlighted filing

2024

Revenue$62,212
Expenses$73,035
Net Income-$10,823

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$49.3$24.9$24.4$62.2$73.0$10.8
2023Detailed filing. Detailed filing data is available for this year.$63.3$25.5$37.8$47.9$34.6$13.2
2022Detailed filing. Detailed filing data is available for this year.$58.6$26.1$32.5$39.7$52.8$13.1
2021Detailed filing. Detailed filing data is available for this year.$58.7$25.0$33.7$63.8$31.5$32.4
2020Detailed filing. Detailed filing data is available for this year.$26.3$25.0$1.34$16.7$39.0$22.3
2019Detailed filing. Detailed filing data is available for this year.$23.6$23.6$46.4$59.0$12.6
2018Detailed filing. Detailed filing data is available for this year.$36.2$36.2$46.9$69.8$22.9
2017Detailed filing. Detailed filing data is available for this year.$59.1$59.1$50.3$59.5$9.19
2016Detailed filing. Detailed filing data is available for this year.$68.3$68.3$68.5$57.1$11.4
2015Detailed filing. Detailed filing data is available for this year.$56.9$56.9$67.9$44.0$23.9
2014Detailed filing. Detailed filing data is available for this year.$33.0$33.0$57.9$39.1$18.8
2013Detailed filing. Detailed filing data is available for this year.$14.2$14.2$44.4$43.9$0.51
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.7$13.7$55.1$58.3$3.21
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.9$16.9$42.5$59.8$17.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.2$34.2$57.6$63.9$6.36
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 11, 2025
Return Version
2024v5.0
Gross Receipts
$167,807
Mission and Program Overview

Mission

Promote business environment in Mishawaka

Program Services

DescriptionGrantsExpenses
PROMOTE GROWING BUSINESS ENVIRONMENT IN MISHAWAKA. BE A RESOURCE AND ADVOCATE FOR ASSOCIATION'S MEMBERS WHILE SUPPORTING, FACILITATING AND ENHANCING COMMERCIAL OPPORTUNITIES IN THE CITY.--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
STACY VERVYNCKTPresident-$0--
JERI DECOLAVice Preside-$0--
GEORGE MIGHION DDSSecretary/Tr-$0--
DANIEL RILEYImmediate Pa-$0--
BRYAN TANNERBoard Member-$0--
CINDY COHENBoard MemberPT$0--
SONYA SMITHBoard Member-$0--
LACY HAHNBoard Member-$0--
BRANDON CRUZBoard Member-$0--
MATT CARROLLBoard Member-$0--
CINDY REINOEHLBoard Member-$0--
LARAE PERRINBoard Member-$0--
PHILIP DEANGELISBoard Member-$0--
SCHAUNE JOHNSONBoard Member-$0--
ANGELA LAYMANBoard Member-$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Kamm Island Fes$118,947$98,847$25,231$73,616
Annual Dinner$9,807$6,432$1,744$4,688
Total Events$135,365$110,124$102,894$7,230
Filing and Contact Details

Filer

Filer Name
Mishawaka Business Association Inc
EIN
35-1484900
Phone
5742339366
Address
PO BOX 1999, MISHAWAKA, IN 46546-1999

Signing Officer

Name
Stacy Vervynckt
Title
President
Phone
5742339366
Signed
2025-11-11
Discuss with paid preparer
Yes

Preparer

Firm
Dwc Cpas LLC
Address
3454 DOUGLAS RD, SOUTH BEND, IN 46635
Preparer
Austin Vega CPA
Phone
5742339366
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 8

REFUND 50 TOTAL 50

Form 990-ez, Part I, Line 16

Expenses interest expense 694 advertising expenses 1,577 business insurance 3,046 dues and subscriptions 733 office supplies 1,493 employer fica 2,560 unemployment taxes 179 bank service/finance char 204 conference, convention, m 100 miscellaneous expenses 364 general and administrativ 243 outgoing wire fraud 20,151 total 31,344

Form 990-ez, Part I, Line 20

Book / tax depreciation difference -2,648

Form 990-ez, Part II, Line 24

Property and equipment 16,890 16,890 less accumulated depreciation 12,918 15,566 total 3,972 1,324

Form 990-ez, Part II, Line 26

Unsecured notes and loans payable 25,498 24,908

Raw XML Appendix201 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0REFUND 50 TOTAL 50
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EXPENSES INTEREST EXPENSE 694 ADVERTISING EXPENSES 1,577 BUSINESS INSURANCE 3,046 DUES AND SUBSCRIPTIONS 733 OFFICE SUPPLIES 1,493 EMPLOYER FICA 2,560 UNEMPLOYMENT TAXES 179 BANK SERVICE/FINANCE CHAR 204 CONFERENCE, CONVENTION, M 100 MISCELLANEOUS EXPENSES 364 GENERAL AND ADMINISTRATIV 243 OUTGOING WIRE FRAUD 20,151 TOTAL 31,344
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOOK / TAX DEPRECIATION DIFFERENCE -2,648
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PROPERTY AND EQUIPMENT 16,890 16,890 LESS ACCUMULATED DEPRECIATION 12,918 15,566 TOTAL 3,972 1,324
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4UNSECURED NOTES AND LOANS PAYABLE 25,498 24,908
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ReturnHeader/ReturnTs02025-11-14T10:17:56-05:00
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ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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