Civic Intelligence

Chi Ishobak Inc.

990 • Fiscal year 2018 • EIN 35-2372805

Jan 01, 2018 to Dec 31, 2018 • Filed on Jun 05, 2019

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

68th percentile

0.26x

Higher debt load relative to assets than 68% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

82nd percentile

0.66x

Higher debt load relative to revenue than 82% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Net Margin

94th percentile

60%

Higher net margin than 94% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

79th percentile

$130,083

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 10.9% of source-year revenue.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2018

Asset Growth

92nd percentile

57%

Faster asset growth than 92% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

93rd percentile

99%

Faster revenue growth than 93% of similar nonprofits.

2018 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$3,072,780

Up $1,111,378 (+57%) from 2017

Net Assets

Up

$2,283,743

Up $700,920 (+44%) from 2017

Liabilities

Up

$789,037

Up $410,458 (+108%) from 2017

Revenue And Expenses
Liabilities / Revenue82nd percentileNet Margin94th percentile

Revenue

Up

$1,188,558

Up $591,432 (+99%) from 2017

Expenses

Up

$477,672

Up $149,016 (+45%) from 2017

Net Income

Up

$710,886

Up $442,416 (+165%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth92nd 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

2018

Assets$3,072,780
Liabilities$789,037
Net Assets$2,283,743
Open 2018 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

2018

Revenue$1,188,558
Expenses$477,672
Net Income$710,886
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Jun 5, 2019
Return Version
2018v3.1
Gross Receipts
$1,189,211
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 also to practice responsible lending in order to protect loan capital for future generations of tribal citizens.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,028,082$1,715,975▲ $687,893
Savings and Temporary Cash Investments$138,318$424,523▲ $286,205
Cash and Non-Interest-Bearing Accounts$189,334$320,159▲ $130,825
Prepaid Expenses and Deferred Charges$3,606$5,127▲ $1,521
Land, Buildings, and Equipment, Net$5,120$4,966▼ $154
Total Assets$1,961,402$3,072,780▲ $1,111,378
Other Assets Total$596,942$602,030▲ $5,088
Liabilities
Other Liabilities$369,305$779,538▲ $410,233
Accounts Payable and Accrued Expenses$9,274$9,499▲ $225
Total Liabilities$378,579$789,037▲ $410,458
Net Assets / Fund Balance
Unrestricted Net Assets$1,480,142$2,196,552▲ $716,410
Temporarily Rstr Net Assets$102,681$87,191▼ $15,490
Total Net Assets Fund Balance$1,582,823$2,283,743▲ $700,920
Total Liabilities and Net Assets / Fund Balance$1,961,402$3,072,780▲ $1,111,378

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$4,966$45,370$50,336
Other Assets Org$602,030--
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Sean WintersExecutive DiFT$130,083$130,083

Board Members and Trustees

NameTitle
Troland ClayChairman
Bruce MolnarVice-chair
Alicia FalconBoard Member
Brandon RappBoard Member
Jeremy TruittBoard Member
Joseph Riley IiBoard Member
Tony DayBoard Member
Eugene MagnusonFormer Direc
Linda CookFormer Direc
Joseph SilviaSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$1,017,000
Program Service Revenue
$155,758
Investment Income
$15,800
Other Revenue
$0
Change in Net Assets
$710,886

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,187,210
Revenue Not Reported on Financial Statements
$1,348
Revenue Not Reported on Form 990
$-9,966
Other Revenue Adjustments
$1,348
Total Revenue per Audited Statements
$1,177,244
Total Revenue per Form 990
$1,188,558
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$291,671
Other Expenses$186,001
Total Fundraising Expense$14,584
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$73,953$44,904$11,226$130,083
Other Salaries and Wages$94,437--$94,437
Other Employee Benefits$9,686$36,323$2,422$48,431
Advertising$27,837--$27,837
Fees for Services Other$2,572$24,500-$27,072
Interest$19,369--$19,369
Payroll Taxes$4,680$13,104$936$18,720
Travel$6,241$9,362-$15,603
Occupancy$3,823$8,921-$12,744
Fees for Services Accounting$4,064$6,097-$10,161
All Other Expenses$3,543$6,173-$9,716
Depreciation Depletion$1,892$2,837-$4,729
Other Expenses$1,079$2,518-$3,597
Insurance$657$2,630-$3,287
Conferences and Meetings$700$1,050-$1,750
Total Functional Expenses$299,173$163,915$14,584$477,672

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$477,672
Expenses per Audited Statements$476,324
Total Expenses per Audited Statements$476,324
Expenses Not Reported on Financial Statements$1,348
Other Expense Adjustments$1,348
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Note Payable$500,000
Line of Credit$279,538
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
Bruce Molnar
Title
Vice-chair
Phone
2697834157
Signed
2019-06-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bruce Molnar
Formed
2009
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
4
Volunteers
9

Preparer

Firm
Seber Tans Plc
Address
555 W CROSSTOWN PARKWAY STE 304, KALAMAZOO, MI 49008
Preparer
Thomas J Horwath
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 also to practice responsible lending in order to protect loan capital for future generations of tribal citizens.”

Form 990, Part XI, Line 9

“Investment fees -1,348 investment fees 1,348”

Financial Statement Notes

Schedule D, Page 3, Part X

“The internal revenue service has determined the organization to be exempt from federal income taxes under section 501(c)(3) of the internal revenue code. Management has evaluated the organization's tax position and there are no uncertain tax positions that need to be disclosed.”

Schedule D, Page 4, Part XI, Line 4B

“INVESTMENT FEES 1,348”

Schedule D, Page 4, Part XII, Line 4B

“INVESTMENT FEES 1,348”

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IRS990/OtherExpensesGrp/Desc0LOAN LOSS RESERVE
IRS990/OtherExpensesGrp/Desc1OTHER COSTS
IRS990/OtherExpensesGrp/Desc2SOFTWARE MAINTENANCE FEE
IRS990/OtherExpensesGrp/Desc3SUPPLIES
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IRS990/RegularMonitoringEnfrcInd0true
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt013092
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0159
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IRS990ScheduleD/FootnoteTextInd0X
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IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt04966
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt045370
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt050336
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0NOTE PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1LINE OF CREDIT
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IRS990ScheduleD/RevenueNotReportedFinclStmtAmt01348
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE INTERNAL REVENUE SERVICE HAS DETERMINED THE ORGANIZATION TO BE EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE. MANAGEMENT HAS EVALUATED THE ORGANIZATION'S TAX POSITION AND THERE ARE NO UNCERTAIN TAX POSITIONS THAT NEED TO BE DISCLOSED.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1INVESTMENT FEES 1,348
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2INVESTMENT FEES 1,348
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XI, LINE 4B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2SCHEDULE D, PAGE 4, PART XII, LINE 4B
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt0602030
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IRS990ScheduleD/TotalLiabilityAmt0779538
IRS990ScheduleD/TotalRevenuePerForm990Amt01188558
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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 ALSO 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/ExplanationTxt6INVESTMENT FEES -1,348 INVESTMENT FEES 1,348
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
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IRS990/TotalLiabilitiesGrp/EOYAmt0789037
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Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,072,780
Liabilities
$789,037
Net assets
$2,283,743
Revenue
$1,188,558
Expenses
$477,672
Net income
$710,886
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