Civic Intelligence

Pacific Northwest Tribal Lending a Community Development Financial

990 • Fiscal year 2016 • EIN 37-1525217

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 13, 2017

Organization ProfileWWW.LUMMICDFI.ORG
4920 Rural AveFerndale, WA 98225

(360) 384-2209

Siviq Scores

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

Liabilities / Assets

19th percentile

0.00x

Higher debt load relative to assets than 19% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

19th percentile

0.01x

Higher debt load relative to revenue than 19% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Net Margin

85th percentile

28%

Higher net margin than 85% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2016

Asset Growth

73rd percentile

11%

Faster asset growth than 73% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

99th percentile

800%

Faster revenue growth than 99% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets19th percentile

Assets

Up

$1,607,088

Up $153,508 (+11%) from 2015

Net Assets

Up

$1,602,063

Up $167,535 (+12%) from 2015

Liabilities

Down

$5,025

Down $14,027 (-74%) from 2015

Revenue And Expenses
Liabilities / Revenue19th percentileNet Margin85th percentile

Revenue

Up

$797,037

Up $708,462 (+800%) from 2015

Expenses

Up

$569,891

Up $334,829 (+142%) from 2015

Net Income

Up

$227,146

Up $373,633 (+255%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth73rd percentile

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

$6.0M$4.0M$2.0M$0Assets 2015: $1,453,580Liabilities 2015: $19,052Net Assets 2015: $1,434,5282015Assets 2016: $1,607,088Liabilities 2016: $5,025Net Assets 2016: $1,602,0632016Assets 2017: $1,555,002Liabilities 2017: $24,033Net Assets 2017: $1,530,9692017Assets 2018: $1,286,962Liabilities 2018: $25,021Net Assets 2018: $1,261,9412018Assets 2019: $1,963,931Liabilities 2019: $96,418Net Assets 2019: $1,867,5132019Assets 2020: $2,595,177Liabilities 2020: $86,076Net Assets 2020: $2,509,1012020Assets 2021: $3,348,684Liabilities 2021: $711,667Net Assets 2021: $2,637,0172021Assets 2022: $4,447,190Liabilities 2022: $886,588Net Assets 2022: $3,560,6022022Assets 2023: $4,699,953Liabilities 2023: $915,246Net Assets 2023: $3,784,7072023Assets 2024: $5,953,438Liabilities 2024: $1,132,570Net Assets 2024: $4,820,8682024

Highlighted filing

2016

Assets$1,607,088
Liabilities$5,025
Net Assets$1,602,063
Open 2016 Filing

Operations Trend

Revenue Growth99th percentile

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

$2.0M$1.0M$0-$1.0MRevenue 2015: $88,575Expenses 2015: $235,062Net Income 2015: -$146,4872015Revenue 2016: $797,037Expenses 2016: $569,891Net Income 2016: $227,1462016Revenue 2017: $470,595Expenses 2017: $541,689Net Income 2017: -$71,0942017Revenue 2018: $156,179Expenses 2018: $431,005Net Income 2018: -$274,8262018Revenue 2019: $1,112,770Expenses 2019: $507,198Net Income 2019: $605,5722019Revenue 2020: $1,177,199Expenses 2020: $535,611Net Income 2020: $641,5882020Revenue 2021: $944,031Expenses 2021: $681,526Net Income 2021: $262,5052021Revenue 2022: $1,616,846Expenses 2022: $693,261Net Income 2022: $923,5852022Revenue 2023: $991,915Expenses 2023: $767,810Net Income 2023: $224,1052023Revenue 2024: $1,835,120Expenses 2024: $798,959Net Income 2024: $1,036,1612024

Highlighted filing

2016

Revenue$797,037
Expenses$569,891
Net Income$227,146
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 13, 2017
Return Version
2016v3.0
Gross Receipts
$797,037
Mission and Program Overview

Mission

To provide access to education, financing, and asset growth in order to improve the prosperity and well being of families, through technical assistance and development services of financial literacy, budgeting, and business plan counseling. The organization seeks to serve as the bridge to mainstream financing intitutions. Lending products include collateralized loans for microenterprises and small businesses for purposes of working capital, fixed assets, and real estate. The organization makes loans to members of the lummi nation, residents of the lummi reservation, and other native americans or private individuals and entities whose activities will accrue social or economic benefit to the lummi nation or residents of the lummi reservation.

To provide access to education in order to improve the prosperity and well-being of families.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$635,177$996,278▲ $361,101
Other Notes and Loans Receivable, Net$507,691$422,232▼ $85,459
Pledges and Grants Receivable$309,608$150,000▼ $159,608
Land, Buildings, and Equipment, Net$1,104$854▼ $250
Total Assets$1,453,580$1,607,088▲ $153,508
Other Assets Total-$37,724-
Liabilities
Accounts Payable and Accrued Expenses$19,052$5,025▼ $14,027
Total Liabilities$19,052$5,025▼ $14,027
Net Assets / Fund Balance
Unrestricted Net Assets$1,434,528$1,602,063▲ $167,535
Total Net Assets Fund Balance$1,434,528$1,602,063▲ $167,535
Total Liabilities and Net Assets / Fund Balance$1,453,580$1,607,088▲ $153,508

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$854$5,889$6,743
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Laura WilliamsExecutive DirectorFT$59,210$15,471$74,681

Board Members and Trustees

NameTitle
Rex RhoadesChairman
Elden HillaireMember
John MichenerMember
Lexie TomMember
Rita JeffersonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$737,336
Program Service Revenue
$59,659
Investment Income
$42
Other Revenue
$0
All Other Contributions
$287,336
Change in Net Assets
$227,146

Audited Revenue Reconciliation

Revenue per Audited Statements
$797,037
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$797,037
Total Revenue per Form 990
$797,037
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$285,878
Other Expenses$284,013
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$162,099$18,011-$180,110
Current Officers, Directors, Trustees, and Key Employees$67,213$7,468-$74,681
Fees for Services Accounting$25,067$23,420-$48,487
Travel$32,695$2,843-$35,538
Other Employee Benefits$27,978$3,109-$31,087
Occupancy$24,174$2,686-$26,860
Office Expenses$12,729$1,414-$14,143
Conferences and Meetings$11,552$1,059-$12,611
Fees for Services Other$2,399$4,000-$6,399
Other Expenses-$4,637-$4,637
Advertising$2,710--$2,710
Depreciation Depletion$205$45-$250
Total Functional Expenses$368,821$201,070$0$569,891

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$569,891
Total Expenses per Audited Statements$569,891
Total Expenses per Form 990$569,891
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
No
Backup withholding compliance
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
No
Other officer compensation reviewed
No
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

“The 990 federal tax return will be reviewed by the board before it is signed and filed in a special meeting.”

Form 990, Part VI, Section B, Line 12C

“Conflicts of interest must be disclosed. Any interested person may make a presentation to the governing board or committee. After, he/she must leave the meeting. The board will vote and take appropriate action.”

Form 990, Part VI, Section C, Line 19

“Form 990 tax return will be provided upon request.”

Filing and Contact Details

Filer

Filer Name
Lummi Community Development
EIN
37-1525217
Phone
3603842209
Address
4920 RURAL AVE, FERNDALE, WA 98225

Signing Officer

Name
Rex Rhoades
Title
Bod Chairman
Phone
3603842209
Signed
2017-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rex Rhoades
Formed
2006
Legal Domicile
Wa
Voting Board Members
5
Independent Board Members
5
Employees
0
Volunteers
0

Preparer

Firm
Larson Gross Pllc
Address
2211 RIMLAND DR STE 422, BELLINGHAM, WA 98226
Preparer
Steve Forbes-cpa
Phone
3607344280
Raw XML Appendix392 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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IRS990ScheduleA/OtherIncome170Grp/TotalAmt020209
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.85630
IRS990ScheduleA/PublicSupportPY170Pct00.77480
IRS990ScheduleA/PublicSupportTotal170Amt01538805
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0737337
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt031468
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0270000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0250000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0250000
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01538805
IRS990ScheduleA/TotalSupportAmt01797110
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/ScheduleBRequiredInd01
IRS990ScheduleD/EquipmentGrp/BookValueAmt0854
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05889
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06743
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0569891
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0797037
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0854
IRS990ScheduleD/TotalExpensesPerForm990Amt0569891
IRS990ScheduleD/TotalRevenuePerForm990Amt0797037
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0797037
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0569891
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE 990 FEDERAL TAX RETURN WILL BE REVIEWED BY THE BOARD BEFORE IT IS SIGNED AND FILED IN A SPECIAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CONFLICTS OF INTEREST MUST BE DISCLOSED. ANY INTERESTED PERSON MAY MAKE A PRESENTATION TO THE GOVERNING BOARD OR COMMITTEE. AFTER, HE/SHE MUST LEAVE THE MEETING. THE BOARD WILL VOTE AND TAKE APPROPRIATE ACTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 TAX RETURN WILL BE PROVIDED UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0WA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01453580
IRS990/TotalAssetsEOYAmt01607088
IRS990/TotalAssetsGrp/BOYAmt01453580
IRS990/TotalAssetsGrp/EOYAmt01607088
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0737336
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0201070
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0368821
IRS990/TotalFunctionalExpensesGrp/TotalAmt0569891
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt019052
IRS990/TotalLiabilitiesEOYAmt05025
IRS990/TotalLiabilitiesGrp/BOYAmt019052
IRS990/TotalLiabilitiesGrp/EOYAmt05025
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01434528
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01602063
IRS990/TotalOtherCompensationAmt015471
IRS990/TotalProgramServiceExpensesAmt0368821
IRS990/TotalProgramServiceRevenueAmt059659
IRS990/TotalReportableCompFromOrgAmt059210
IRS990/TotalRevenueGrp/ExclusionAmt042
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt059659
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0797037
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01453580
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01607088
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt02843
IRS990/TravelGrp/ProgramServicesAmt032695
IRS990/TravelGrp/TotalAmt035538
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01434528
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01602063
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04920 RURAL AVE
IRS990/USAddress/CityNm0FERNDALE
IRS990/USAddress/StateAbbreviationCd0WA
IRS990/USAddress/ZIPCd098225
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.LUMMICDFI.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0REX RHOADES
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0BOD CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum03603842209
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LUMMI COMMUNITY DEVELOPMENT
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0FINANCIAL INSTITUTION
ReturnHeader/Filer/BusinessNameControlTxt0LUMM
ReturnHeader/Filer/EIN0371525217
ReturnHeader/Filer/PhoneNum03603842209
ReturnHeader/Filer/USAddress/AddressLine1Txt04920 RURAL AVE
ReturnHeader/Filer/USAddress/CityNm0FERNDALE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WA
ReturnHeader/Filer/USAddress/ZIPCd098225
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0BEF2D50D511BB0F6AD239EFC76677832841882FF
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId02F65BF7829C48B1D475D30D5F2A57DC9BB29D483
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt069.7.45.162
ReturnHeader/FilingSecurityInformation/IPDt02017-11-13
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PS
ReturnHeader/FilingSecurityInformation/IPTm009:52:48
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0911663574
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LARSON GROSS PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02211 RIMLAND DR STE 422
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BELLINGHAM
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd098226
ReturnHeader/PreparerPersonGrp/PhoneNum03607344280
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEVE FORBES-CPA
ReturnHeader/ReturnTs02017-11-13T11:54:01-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,607,088
Liabilities
$5,025
Net assets
$1,602,063
Revenue
$797,037
Expenses
$569,891
Net income
$227,146
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.95$1.13$4.82$1.84$0.80$1.04
2023Detailed filing. Detailed filing data is available for this year.$4.70$0.92$3.78$0.99$0.77$0.22
2022Detailed filing. Detailed filing data is available for this year.$4.45$0.89$3.56$1.62$0.69$0.92
2021Detailed filing. Detailed filing data is available for this year.$3.35$0.71$2.64$0.94$0.68$0.26
2020Detailed filing. Detailed filing data is available for this year.$2.60$0.09$2.51$1.18$0.54$0.64
2019Detailed filing. Detailed filing data is available for this year.$1.96$0.10$1.87$1.11$0.51$0.61
2018Detailed filing. Detailed filing data is available for this year.$1.29$0.03$1.26$0.16$0.43$0.27
2017Detailed filing. Detailed filing data is available for this year.$1.56$0.02$1.53$0.47$0.54$0.07
2016Detailed filing. Detailed filing data is available for this year.$1.61$0.01$1.60$0.80$0.57$0.23
2015Detailed filing. Detailed filing data is available for this year.$1.45$0.02$1.43$0.09$0.24$0.15