Civic Intelligence

Chi Ishobak Inc.

990 • Fiscal year 2014 • EIN 35-2372805

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 30, 2015

Organization ProfileWWW.CHIISHOBAK.ORG
27043 Potwatomi TrailDowagiac, MI 49047

(269) 783-4157

Siviq Scores

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

Liabilities / Assets

66th percentile

0.28x

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

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

85th percentile

1.09x

Higher debt load relative to revenue than 85% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Net Margin

91st percentile

49%

Higher net margin than 91% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

63rd percentile

$85,271

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 27.5% of source-year revenue.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2014

Asset Growth

91st percentile

46%

Faster asset growth than 91% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

5th percentile

-47%

Faster revenue growth than 5% of similar nonprofits.

2014 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$1,211,617

Up $383,728 (+46%) from 2013

Net Assets

Up

$874,271

Up $152,369 (+21%) from 2013

Liabilities

Up

$337,346

Up $231,359 (+218%) from 2013

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin91st percentile

Revenue

Down

$309,617

Down $274,404 (-47%) from 2013

Expenses

Down

$157,248

Down $4,980 (-3.1%) from 2013

Net Income

Down

$152,369

Down $269,424 (-64%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth91st percentile

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

$20M$15M$10M$5.0M$0Assets 2011: $260,291Liabilities 2011: $249,925Net Assets 2011: $10,3662011Assets 2012: $368,904Liabilities 2012: $96,102Net Assets 2012: $272,8022012Assets 2013: $827,889Liabilities 2013: $105,987Net Assets 2013: $721,9022013Assets 2014: $1,211,617Liabilities 2014: $337,346Net Assets 2014: $874,2712014Assets 2015: $1,223,038Liabilities 2015: $5,874Net Assets 2015: $1,217,1642015Assets 2016: $1,332,398Liabilities 2016: $15,197Net Assets 2016: $1,317,2012016Assets 2017: $1,961,402Liabilities 2017: $378,579Net Assets 2017: $1,582,8232017Assets 2018: $3,072,780Liabilities 2018: $789,037Net Assets 2018: $2,283,7432018Assets 2019: $4,379,221Liabilities 2019: $1,169,604Net Assets 2019: $3,209,6172019Assets 2020: $6,466,013Liabilities 2020: $1,644,966Net Assets 2020: $4,821,0472020Assets 2021: $9,230,195Liabilities 2021: $2,468,391Net Assets 2021: $6,761,8042021Assets 2022: $9,783,491Liabilities 2022: $1,851,323Net Assets 2022: $7,932,1682022Assets 2023: $13,031,042Liabilities 2023: $1,640,712Net Assets 2023: $11,390,3302023Assets 2024: $15,319,782Liabilities 2024: $1,374,741Net Assets 2024: $13,945,0412024

Highlighted filing

2014

Assets$1,211,617
Liabilities$337,346
Net Assets$874,271
Open 2014 Filing

Operations Trend

Revenue Growth5th percentile

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

$6.0M$4.0M$2.0M$0Revenue 2011: $108,804Expenses 2011: $98,438Net Income 2011: $10,3662011Expenses 2012: $176,2252012Revenue 2013: $584,021Expenses 2013: $162,228Net Income 2013: $421,7932013Revenue 2014: $309,617Expenses 2014: $157,248Net Income 2014: $152,3692014Revenue 2015: $598,745Expenses 2015: $255,852Net Income 2015: $342,8932015Revenue 2016: $399,515Expenses 2016: $299,478Net Income 2016: $100,0372016Revenue 2017: $597,126Expenses 2017: $328,656Net Income 2017: $268,4702017Revenue 2018: $1,188,558Expenses 2018: $477,672Net Income 2018: $710,8862018Revenue 2019: $1,456,708Expenses 2019: $540,878Net Income 2019: $915,8302019Revenue 2020: $2,337,510Expenses 2020: $731,017Net Income 2020: $1,606,4932020Revenue 2021: $2,545,311Expenses 2021: $570,063Net Income 2021: $1,975,2482021Revenue 2022: $1,872,798Expenses 2022: $579,162Net Income 2022: $1,293,6362022Revenue 2023: $4,106,888Expenses 2023: $671,770Net Income 2023: $3,435,1182023Revenue 2024: $3,358,827Expenses 2024: $813,746Net Income 2024: $2,545,0812024

Highlighted filing

2014

Revenue$309,617
Expenses$157,248
Net Income$152,369
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 30, 2015
Return Version
2014v5.0
Gross Receipts
$309,617
Mission and Program Overview

Mission

It is the mission of chi ishobak to provide tribal citizens with access to affordable capital for the purpose of home mortgages, business loans, and individual financial development through collaborative and education-oriented lending services. And also to practice responsible lending in order to protect loan capital for future generations of tribal citizens.

It is the mission of chi ishobak to provide tribal citizens with access to affordable capital for the purpose of home mortgages, business loans, and individual financial development through collaborative and education- oriented lending services, and to practice responsible lending in order to protect loan capital for future generations of tribal citizens.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$447,665$580,728▲ $133,063
Other Notes and Loans Receivable, Net$277,722$369,341▲ $91,619
Cash and Non-Interest-Bearing Accounts$98,581$258,871▲ $160,290
Land, Buildings, and Equipment, Net$3,921$2,677▼ $1,244
Total Assets$827,889$1,211,617▲ $383,728
Liabilities
Grants Payable$98,163$334,665▲ $236,502
Accounts Payable and Accrued Expenses$7,824$2,681▼ $5,143
Total Liabilities$105,987$337,346▲ $231,359
Net Assets / Fund Balance
Unrestricted Net Assets$540,118$777,646▲ $237,528
Temporarily Rstr Net Assets$181,784$96,625▼ $85,159
Total Net Assets Fund Balance$721,902$874,271▲ $152,369
Total Liabilities and Net Assets / Fund Balance$827,889$1,211,617▲ $383,728

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$2,677$23,116$25,793
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sean WintersExecutive DiFT$78,353$6,918$85,271

Board Members and Trustees

NameTitle
Troland ClayChairman
Kevin DaughertyVice Chairma
Bruce MolnarBoard Member
James TopashBoard Member
Linda CookBoard Member
Tom TopashBoard Member
Joseph SilviaSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$273,834
Program Service Revenue
$35,419
Investment Income
$364
Other Revenue
$0
All Other Contributions
$10,000
Change in Net Assets
$152,369

Audited Revenue Reconciliation

Revenue per Audited Statements
$309,617
Total Revenue per Audited Statements
$309,617
Total Revenue per Form 990
$309,617
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$94,047
Other Expenses$63,201
Total Fundraising Expense$4,703
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$47,566$27,747$3,964$79,277
Travel$4,477$6,716-$11,193
Fees for Services Accounting$4,156$6,234-$10,390
Payroll Taxes$4,711$2,748$393$7,852
Other Employee Benefits$4,151$2,421$346$6,918
All Other Expenses$2,627$2,302-$4,929
Occupancy$1,296$3,024-$4,320
Depreciation Depletion$1,708$2,562-$4,270
Fees for Services Other$401$3,611-$4,012
Other Expenses$912$2,128-$3,040
Conferences and Meetings$960$1,439-$2,399
Insurance-$1,202-$1,202
Advertising-$1,000-$1,000
Total Functional Expenses$84,227$68,318$4,703$157,248

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$157,248
Total Expenses per Audited Statements$157,248
Total Expenses per Form 990$157,248
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
No
Annual disclosure for covered persons
Yes
Audit committee
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
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, Page 6, Part VI, Line 2

“James topash tom topash board member board member family relationship”

Form 990, Page 6, Part VI, Line 11B

“The board of directors meet once a month. Prior to each meeting an agenda is set and copies of documents are sent to the members for their review. In this case, a copy of the form 990 is provided for their review and approval. At the meeting, the form 990 is reviewed and any questions are answered at that time. The board then gives their consent to file the form 990.”

Form 990, Page 6, Part VI, Line 12C

“Every board member when appointed is required to comply with an ethics and conflict of interest code developed by the tribe. Annually they are updated and submitted to the ethics board of the tribe.”

Form 990, Page 6, Part VI, Line 15A

“Compensation is determined by the applicants experience, qualifications and market rates for a similar position. Compensation is determined by the board of directors.”

Form 990, Page 6, Part VI, Line 15B

“Compensation is determined by the applicants experience, qualifications and market rates for a similar position. Compensation is determined by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“Governing documents are made available to the public via annual report”

Filing and Contact Details

Filer

Filer Name
Chi Ishobak Inc
EIN
35-2372805
Phone
2697834157
Address
27043 POTWATOMI TRAIL, DOWAGIAC, MI 49047

Signing Officer

Name
Troland Clay
Title
Chairman Board of Directors
Phone
2697834157
Signed
2015-04-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Troland Clay
Formed
2009
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
1
Volunteers
7

Preparer

Firm
Seber Tans Plc
Address
555 W CROSSTOWN PARKWAY STE 304, KALAMAZOO, MI 49008
Preparer
Jennifer Holder
Phone
2693438180
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“It is the mission of chi ishobak to provide tribal citizens with access to affordable capital for the purpose of home mortgages, business loans, and individual financial development through collaborative and education- oriented lending services, and to practice responsible lending in order to protect loan capital for future generations of tribal citizens.”

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IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0THE ORGANIZATION FILED A SHORT YEAR TAX RETURN FOR THE PERIOD 10/01/2012 TO 12/31/2012 TO CHANGE THEIR YEAR END TO 12/31.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0SUPPLEMENTAL INFORMATION
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IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt058080
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IRS990ScheduleA/PublicSupportTotal170Amt01510504
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IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01510504
IRS990ScheduleA/TotalSupportAmt01513091
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IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt023116
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt025793
IRS990ScheduleD/RevenueSubtotalAmt0309617
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02677
IRS990ScheduleD/TotalExpensesPerForm990Amt0157248
IRS990ScheduleD/TotalRevenuePerForm990Amt0309617
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0IT IS THE MISSION OF CHI ISHOBAK TO PROVIDE TRIBAL CITIZENS WITH ACCESS TO AFFORDABLE CAPITAL FOR THE PURPOSE OF HOME MORTGAGES, BUSINESS LOANS, AND INDIVIDUAL FINANCIAL DEVELOPMENT THROUGH COLLABORATIVE AND EDUCATION- ORIENTED LENDING SERVICES, AND TO PRACTICE RESPONSIBLE LENDING IN ORDER TO PROTECT LOAN CAPITAL FOR FUTURE GENERATIONS OF TRIBAL CITIZENS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1JAMES TOPASH TOM TOPASH BOARD MEMBER BOARD MEMBER FAMILY RELATIONSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS MEET ONCE A MONTH. PRIOR TO EACH MEETING AN AGENDA IS SET AND COPIES OF DOCUMENTS ARE SENT TO THE MEMBERS FOR THEIR REVIEW. IN THIS CASE, A COPY OF THE FORM 990 IS PROVIDED FOR THEIR REVIEW AND APPROVAL. AT THE MEETING, THE FORM 990 IS REVIEWED AND ANY QUESTIONS ARE ANSWERED AT THAT TIME. THE BOARD THEN GIVES THEIR CONSENT TO FILE THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3EVERY BOARD MEMBER WHEN APPOINTED IS REQUIRED TO COMPLY WITH AN ETHICS AND CONFLICT OF INTEREST CODE DEVELOPED BY THE TRIBE. ANNUALLY THEY ARE UPDATED AND SUBMITTED TO THE ETHICS BOARD OF THE TRIBE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION IS DETERMINED BY THE APPLICANTS EXPERIENCE, QUALIFICATIONS AND MARKET RATES FOR A SIMILAR POSITION. COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION IS DETERMINED BY THE APPLICANTS EXPERIENCE, QUALIFICATIONS AND MARKET RATES FOR A SIMILAR POSITION. COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC VIA ANNUAL REPORT
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MI
IRS990/SubjectToProxyTaxInd0false
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IRS990/TaxExemptBondsInd0false
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IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt084227
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IRS990/TotalOtherCompensationAmt06918
IRS990/TotalProgramServiceExpensesAmt084227
IRS990/TotalProgramServiceRevenueAmt035419
IRS990/TotalReportableCompFromOrgAmt078353
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IRS990/UnrestrictedNetAssetsGrp/EOYAmt0777646
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IRS990/USAddress/CityNm0DOWAGIAC
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IRS990/WebsiteAddressTxt0WWW.CHIISHOBAK.ORG
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ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TROLAND CLAY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN BOARD OF DIRECTORS
ReturnHeader/BusinessOfficerGrp/PhoneNum02697834157
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHI ISHOBAK INC
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ReturnHeader/Filer/PhoneNum02697834157
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ReturnHeader/Filer/USAddress/CityNm0DOWAGIAC
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049047
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0200503877
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SEBER TANS PLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0555 W CROSSTOWN PARKWAY STE 304
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0KALAMAZOO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd049008
ReturnHeader/PreparerPersonGrp/PhoneNum02693438180
ReturnHeader/PreparerPersonGrp/PreparationDt02015-05-04

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,211,617
Liabilities
$337,346
Net assets
$874,271
Revenue
$309,617
Expenses
$157,248
Net income
$152,369
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$15.3$1.37$13.9$3.36$0.81$2.55
2023Detailed filing. Detailed filing data is available for this year.$13.0$1.64$11.4$4.11$0.67$3.44
2022Detailed filing. Detailed filing data is available for this year.$9.78$1.85$7.93$1.87$0.58$1.29
2021Detailed filing. Detailed filing data is available for this year.$9.23$2.47$6.76$2.55$0.57$1.98
2020Detailed filing. Detailed filing data is available for this year.$6.47$1.64$4.82$2.34$0.73$1.61
2019Detailed filing. Detailed filing data is available for this year.$4.38$1.17$3.21$1.46$0.54$0.92
2018Detailed filing. Detailed filing data is available for this year.$3.07$0.79$2.28$1.19$0.48$0.71
2017Detailed filing. Detailed filing data is available for this year.$1.96$0.38$1.58$0.60$0.33$0.27
2016Detailed filing. Detailed filing data is available for this year.$1.33$0.02$1.32$0.40$0.30$0.10
2015Detailed filing. Detailed filing data is available for this year.$1.22$0.01$1.22$0.60$0.26$0.34
2014Detailed filing. Detailed filing data is available for this year.$1.21$0.34$0.87$0.31$0.16$0.15
2013Detailed filing. Detailed filing data is available for this year.$0.83$0.11$0.72$0.58$0.16$0.42
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.37$0.10$0.27$0.18
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.26$0.25$0.01$0.11$0.10$0.01