Civic Intelligence

Chi Ishobak Inc.

990 • Fiscal year 2015 • EIN 35-2372805

Jan 01, 2015 to Dec 31, 2015 • Filed on May 09, 2016

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

(269) 783-4157

Siviq Scores

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

Liabilities / Assets

21st percentile

0.00x

Higher debt load relative to assets than 21% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

20th percentile

0.01x

Higher debt load relative to revenue than 20% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Net Margin

93rd percentile

57%

Higher net margin than 93% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

66th percentile

$93,407

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 15.6% of source-year revenue.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Asset Growth

51st percentile

0.9%

Faster asset growth than 51% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

93rd percentile

93%

Faster revenue growth than 93% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets21st percentile

Assets

Up

$1,223,038

Up $11,421 (+0.9%) from 2014

Net Assets

Up

$1,217,164

Up $342,893 (+39%) from 2014

Liabilities

Down

$5,874

Down $331,472 (-98%) from 2014

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin93rd percentile

Revenue

Up

$598,745

Up $289,128 (+93%) from 2014

Expenses

Up

$255,852

Up $98,604 (+63%) from 2014

Net Income

Up

$342,893

Up $190,524 (+125%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth51st 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

2015

Assets$1,223,038
Liabilities$5,874
Net Assets$1,217,164
Open 2015 Filing

Operations Trend

Revenue Growth93rd 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

2015

Revenue$598,745
Expenses$255,852
Net Income$342,893
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 9, 2016
Return Version
2015v2.1
Gross Receipts
$598,745
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$580,728$470,948▼ $109,780
Other Notes and Loans Receivable, Net$369,341$382,116▲ $12,775
Cash and Non-Interest-Bearing Accounts$258,871$344,756▲ $85,885
Land, Buildings, and Equipment, Net$2,677$22,080▲ $19,403
Prepaid Expenses and Deferred Charges-$3,138-
Total Assets$1,211,617$1,223,038▲ $11,421
Liabilities
Grants Payable$334,665--
Accounts Payable and Accrued Expenses$2,681$5,874▲ $3,193
Total Liabilities$337,346$5,874▼ $331,472
Net Assets / Fund Balance
Unrestricted Net Assets$777,646$1,122,239▲ $344,593
Temporarily Rstr Net Assets$96,625$94,925▼ $1,700
Total Net Assets Fund Balance$874,271$1,217,164▲ $342,893
Total Liabilities and Net Assets / Fund Balance$1,211,617$1,223,038▲ $11,421

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$22,080$28,195$50,275
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sean WintersExecutive DiFT$83,022$10,385$93,407

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$555,065
Program Service Revenue
$43,472
Investment Income
$208
Other Revenue
$0
All Other Contributions
$20,000
Change in Net Assets
$342,893

Audited Revenue Reconciliation

Revenue per Audited Statements
$598,745
Total Revenue per Audited Statements
$598,745
Total Revenue per Form 990
$598,745
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$162,709
Other Expenses$93,143
Total Fundraising Expense$8,135
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$62,266$16,604$4,152$83,022
Other Salaries and Wages$11,682$26,532$2,010$40,224
Other Employee Benefits$16,582$9,673$1,382$27,637
Travel$4,850$7,274-$12,124
Payroll Taxes$7,096$4,139$591$11,826
Fees for Services Accounting$4,523$6,785-$11,308
Occupancy$3,159$7,371-$10,530
All Other Expenses$3,450$3,392-$6,842
Depreciation Depletion$2,031$3,047-$5,078
Other Expenses$2,567$1,891-$2,567
Advertising$665$1,600-$2,265
Fees for Services Other$181$1,625-$1,806
Office Expenses$1,119--$1,119
Insurance-$1,016-$1,016
Conferences and Meetings$372$559-$931
Total Functional Expenses$153,082$94,635$8,135$255,852

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$255,852
Total Expenses per Audited Statements$255,852
Total Expenses per Form 990$255,852
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 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 POTAWATOMI TRAIL, DOWAGIAC, MI 49047

Signing Officer

Name
Troland Clay
Title
Chairman
Phone
2697834157
Signed
2016-05-09
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
2
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.”

Raw XML AppendixShowing 400 of 408 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02681
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt05874
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0IT 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.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt01600
IRS990/AdvertisingGrp/ProgramServicesAmt0665
IRS990/AdvertisingGrp/TotalAmt02265
IRS990/AllOtherContributionsAmt020000
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt03392
IRS990/AllOtherExpensesGrp/ProgramServicesAmt03450
IRS990/AllOtherExpensesGrp/TotalAmt06842
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BooksInCareOfDetail/PersonNm0SEAN WINTERS
IRS990/BooksInCareOfDetail/PhoneNum02697834157
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt027043 POTOWATOMI TRAIL
IRS990/BooksInCareOfDetail/USAddress/AddressLine2Txt0PO BOX 766
IRS990/BooksInCareOfDetail/USAddress/CityNm0DOWAGIAC
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049047
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0258871
IRS990/CashNonInterestBearingGrp/EOYAmt0344756
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt04152
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt016604
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt062266
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt083022
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt0559
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt0372
IRS990/ConferencesMeetingsGrp/TotalAmt0931
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0555065
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0208
IRS990/CYOtherExpensesAmt093143
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt043472
IRS990/CYRevenuesLessExpensesAmt0342893
IRS990/CYSalariesCompEmpBnftPaidAmt0162709
IRS990/CYTotalExpensesAmt0255852
IRS990/CYTotalFundraisingExpenseAmt08135
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0598745
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt03047
IRS990/DepreciationDepletionGrp/ProgramServicesAmt02031
IRS990/DepreciationDepletionGrp/TotalAmt05078
IRS990/Desc0TO 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 THE TRIBE.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt0153082
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt06785
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt04523
IRS990/FeesForServicesAccountingGrp/TotalAmt011308
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt01625
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0181
IRS990/FeesForServicesOtherGrp/TotalAmt01806
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt750.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt710385
IRS990/Form990PartVIISectionAGrp/PersonNm0TROLAND CLAY
IRS990/Form990PartVIISectionAGrp/PersonNm1KEVIN DAUGHERTY
IRS990/Form990PartVIISectionAGrp/PersonNm2JOSEPH SILVIA
IRS990/Form990PartVIISectionAGrp/PersonNm3BRUCE MOLNAR
IRS990/Form990PartVIISectionAGrp/PersonNm4JAMES TOPASH
IRS990/Form990PartVIISectionAGrp/PersonNm5LINDA COOK
IRS990/Form990PartVIISectionAGrp/PersonNm6EUGENE MAGNUSON
IRS990/Form990PartVIISectionAGrp/PersonNm7SEAN WINTERS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt783022
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMA
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TR
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7EXECUTIVE DI
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr02009
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GovernmentGrantsAmt0535065
IRS990/GrantsPayableGrp/BOYAmt0334665
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0598745
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt01016
IRS990/InsuranceGrp/TotalAmt01016
IRS990/InvestmentIncomeGrp/ExclusionAmt0208
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0208
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt028195
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02677
IRS990/LandBldgEquipBasisNetGrp/EOYAmt022080
IRS990/LandBldgEquipCostOrOtherBssAmt050275
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0IT 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.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0874271
IRS990/NetAssetsOrFundBalancesEOYAmt01217164
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt07371
IRS990/OccupancyGrp/ProgramServicesAmt03159
IRS990/OccupancyGrp/TotalAmt010530
IRS990/OfficeExpensesGrp/ProgramServicesAmt01119
IRS990/OfficeExpensesGrp/TotalAmt01119
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt01382
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt09673
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt016582
IRS990/OtherEmployeeBenefitsGrp/TotalAmt027637
IRS990/OtherExpensesGrp/Desc0LOAN LOSS RESERVE
IRS990/OtherExpensesGrp/Desc1SOFTWARE MAINTENANCE FEE
IRS990/OtherExpensesGrp/Desc2OTHER COSTS
IRS990/OtherExpensesGrp/Desc3EQUIPMENT RENTAL
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03127
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11891
IRS990/OtherExpensesGrp/ProgramServicesAmt029643
IRS990/OtherExpensesGrp/ProgramServicesAmt12085
IRS990/OtherExpensesGrp/ProgramServicesAmt2811
IRS990/OtherExpensesGrp/ProgramServicesAmt32567
IRS990/OtherExpensesGrp/TotalAmt029643
IRS990/OtherExpensesGrp/TotalAmt15212
IRS990/OtherExpensesGrp/TotalAmt22702
IRS990/OtherExpensesGrp/TotalAmt32567
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt02010
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt026532
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt011682
IRS990/OtherSalariesAndWagesGrp/TotalAmt040224
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0369341
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0382116
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt0591
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt04139
IRS990/PayrollTaxesGrp/ProgramServicesAmt07096
IRS990/PayrollTaxesGrp/TotalAmt011826
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03138
IRS990/PrincipalOfficerNm0TROLAND CLAY
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1LOAN FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt033332
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt110140
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt033332
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt110140
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0273834
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0364
IRS990/PYOtherExpensesAmt063201
IRS990/PYProgramServiceRevenueAmt035419
IRS990/PYRevenuesLessExpensesAmt0152369
IRS990/PYSalariesCompEmpBnftPaidAmt094047
IRS990/PYTotalExpensesAmt0157248
IRS990/PYTotalRevenueAmt0309617
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0342893
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt043472
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0580728
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0470948
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
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0555065
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0273834
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0566200
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt097487
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0202533
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01695119
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0208
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0364
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0302
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0195
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt01122
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt02191
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0101552
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99870
IRS990ScheduleA/PublicSupportTotal170Amt01695119
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0555065
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0273834
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0566200
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt097487
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0202533
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01695119
IRS990ScheduleA/TotalSupportAmt01697310
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/ExpensesSubtotalAmt0255852
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt022080
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt028195
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt050275
IRS990ScheduleD/RevenueSubtotalAmt0598745
IRS990ScheduleD/TotalBookValueLandBuildingsAmt022080
IRS990ScheduleD/TotalExpensesPerForm990Amt0255852
IRS990ScheduleD/TotalRevenuePerForm990Amt0598745
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0598745
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0255852
IRS990/ScheduleJRequiredInd0false
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/ExplanationTxt1THE 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/ExplanationTxt2EVERY 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/ExplanationTxt3COMPENSATION IS DETERMINED BY THE APPLICANTS EXPERIENCE, QUALIFICATIONS AND MARKET RATES FOR A SIMILAR POSITION. COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS.
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/ExplanationTxt5GOVERNING 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 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MI
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt096625
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt094925
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01211617
IRS990/TotalAssetsEOYAmt01223038
IRS990/TotalAssetsGrp/BOYAmt01211617
IRS990/TotalAssetsGrp/EOYAmt01223038
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0555065
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt08135
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt094635
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0153082
IRS990/TotalFunctionalExpensesGrp/TotalAmt0255852
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0337346
IRS990/TotalLiabilitiesEOYAmt05874
IRS990/TotalLiabilitiesGrp/BOYAmt0337346
IRS990/TotalLiabilitiesGrp/EOYAmt05874
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0874271
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01217164
IRS990/TotalOtherCompensationAmt010385
IRS990/TotalProgramServiceExpensesAmt0153082
IRS990/TotalProgramServiceRevenueAmt043472
IRS990/TotalReportableCompFromOrgAmt083022
IRS990/TotalRevenueGrp/ExclusionAmt0208
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt043472
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0598745
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01211617
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01223038
IRS990/TravelGrp/ManagementAndGeneralAmt07274
IRS990/TravelGrp/ProgramServicesAmt04850
IRS990/TravelGrp/TotalAmt012124
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0777646
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01122239
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt027043 POTAWATOMI TRAIL
IRS990/USAddress/CityNm0DOWAGIAC
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd049047
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.CHIISHOBAK.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TROLAND CLAY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum02697834157
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHI ISHOBAK INC
ReturnHeader/Filer/BusinessNameControlTxt0CHII
ReturnHeader/Filer/EIN0352372805
ReturnHeader/Filer/PhoneNum02697834157
ReturnHeader/Filer/USAddress/AddressLine1Txt027043 POTAWATOMI TRAIL
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

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,223,038
Liabilities
$5,874
Net assets
$1,217,164
Revenue
$598,745
Expenses
$255,852
Net income
$342,893
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