Civic Intelligence

Pacific Northwest Tribal Lending a Community Development Financial

990 • Fiscal year 2017 • EIN 37-1525217

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 05, 2018

Organization ProfileWWW.LUMMICDFI.ORG
12 Bellwether Way No 224Bellingham, WA 98225

(360) 594-6004

Siviq Scores

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

Liabilities / Assets

29th percentile

0.02x

Higher debt load relative to assets than 29% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

37th percentile

0.05x

Higher debt load relative to revenue than 37% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2017

Net Margin

16th percentile

-15%

Higher net margin than 16% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2017

Asset Growth

25th percentile

-3.2%

Faster asset growth than 25% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

6th percentile

-41%

Faster revenue growth than 6% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets29th percentile

Assets

Down

$1,555,002

Down $52,086 (-3.2%) from 2016

Net Assets

Down

$1,530,969

Down $71,094 (-4.4%) from 2016

Liabilities

Up

$24,033

Up $19,008 (+378%) from 2016

Revenue And Expenses
Liabilities / Revenue37th percentileNet Margin16th percentile

Revenue

Down

$470,595

Down $326,442 (-41%) from 2016

Expenses

Down

$541,689

Down $28,202 (-4.9%) from 2016

Net Income

Down

-$71,094

Down $298,240 (-131%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth25th 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

2017

Assets$1,555,002
Liabilities$24,033
Net Assets$1,530,969
Open 2017 Filing

Operations Trend

Revenue Growth6th 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

2017

Revenue$470,595
Expenses$541,689
Net Income-$71,094
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 5, 2018
Return Version
2017v2.3
Gross Receipts
$470,595
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$996,278$776,514▼ $219,764
Other Notes and Loans Receivable, Net$422,232$605,171▲ $182,939
Pledges and Grants Receivable$150,000$73,210▼ $76,790
Prepaid Expenses and Deferred Charges-$13,731-
Land, Buildings, and Equipment, Net$854--
Total Assets$1,607,088$1,555,002▼ $52,086
Other Assets Total$37,724$86,376▲ $48,652
Liabilities
Accounts Payable and Accrued Expenses$5,025$24,033▲ $19,008
Total Liabilities$5,025$24,033▲ $19,008
Net Assets / Fund Balance
Unrestricted Net Assets$1,602,063$1,530,969▼ $71,094
Total Net Assets Fund Balance$1,602,063$1,530,969▼ $71,094
Total Liabilities and Net Assets / Fund Balance$1,607,088$1,555,002▼ $52,086

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$86,376--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Laura WilliamsExecutive DirectorFT$50,155$14,370$64,525

Board Members and Trustees

NameTitle
Rita JeffersonChair
Rex RhoadesVice Chair
Joe BowenMember
John MccoyMember
Lexie TomMember
Ellie WilburSecretary
John MichenerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$311,524
Program Service Revenue
$159,024
Investment Income
$47
Other Revenue
$0
All Other Contributions
$186,524
Change in Net Assets
$-71,094
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$316,289
Other Expenses$211,528
Grants and Similar Amounts Paid$13,872
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$134,074$33,518-$167,592
Office Expenses$61,097$15,274-$76,371
Current Officers, Directors, Trustees, and Key Employees$58,073$6,453-$64,526
Other Employee Benefits$42,167$10,542-$52,709
Fees for Services Other$35,760$8,940-$44,700
Occupancy$31,970$7,993-$39,963
Payroll Taxes$25,170$6,292-$31,462
Travel$12,970$3,243-$16,213
Grants to Domestic Individuals$13,872--$13,872
Conferences and Meetings$4,426$1,106-$5,532
Advertising$5,139--$5,139
Fees for Services Accounting-$3,300-$3,300
Insurance$2,220$555-$2,775
Other Expenses$2,795$181-$181
Total Functional Expenses$441,380$100,309$0$541,689
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
Yes
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
3605946004
Address
12 BELLWETHER WAY NO 224, BELLINGHAM, WA 98225

Signing Officer

Name
Joe Bowen
Title
Bod Chair
Phone
3605946004
Signed
2018-11-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joe Bowen
Formed
2006
Legal Domicile
Wa
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
0

Preparer

Firm
Larson Gross Pllc
Address
2211 RIMLAND DR STE 422, BELLINGHAM, WA 98226
Preparer
Steve Forbes-cpa
Phone
3607344280
Raw XML AppendixShowing 400 of 403 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/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0737337
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt031468
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0270000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0250000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01600329
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0159071
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt059701
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt050497
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt061704
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt037130
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0368103
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt06610
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt08497
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt04802
IRS990ScheduleA/OtherIncome170Grp/TotalAmt019909
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.80490
IRS990ScheduleA/PublicSupportPY170Pct00.85630
IRS990ScheduleA/PublicSupportTotal170Amt01600329
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0311524
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0737337
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt031468
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0270000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0250000
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01600329
IRS990ScheduleA/TotalSupportAmt01988341
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt086376
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0REPOSSESSION ASSET
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalBookValueOtherAssetsAmt086376
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt013872
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0INDIVIDUALS WHO ARE GIVEN SMALL BUSINESS LOANS ARE OFFERED A SAVINGS INCENTIVE PROGRAM. THIS ASSISTANCE WAS AWARDED TO THOSE THAT MET THE REQUIREMENTS OF THE SAVINGS MATCH.
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt014
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/TotalAssetsBOYAmt01607088
IRS990/TotalAssetsEOYAmt01555002
IRS990/TotalAssetsGrp/BOYAmt01607088
IRS990/TotalAssetsGrp/EOYAmt01555002
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0311524
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0100309
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0441380
IRS990/TotalFunctionalExpensesGrp/TotalAmt0541689
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05025
IRS990/TotalLiabilitiesEOYAmt024033
IRS990/TotalLiabilitiesGrp/BOYAmt05025
IRS990/TotalLiabilitiesGrp/EOYAmt024033
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01602063
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01530969
IRS990/TotalOtherCompensationAmt014370
IRS990/TotalProgramServiceExpensesAmt0441380
IRS990/TotalProgramServiceRevenueAmt0159024
IRS990/TotalReportableCompFromOrgAmt050155
IRS990/TotalRevenueGrp/ExclusionAmt047
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0159024
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0470595
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01607088
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01555002
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt03243
IRS990/TravelGrp/ProgramServicesAmt012970
IRS990/TravelGrp/TotalAmt016213
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01602063
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01530969
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt012 BELLWETHER WAY NO 224
IRS990/USAddress/CityNm0BELLINGHAM
IRS990/USAddress/StateAbbreviationCd0WA
IRS990/USAddress/ZIPCd098225
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.LUMMICDFI.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JOE BOWEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0BOD CHAIR
ReturnHeader/BusinessOfficerGrp/PhoneNum03605946004
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-11-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LUMMI COMMUNITY DEVELOPMENT
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0FINANCIAL INSTITUTION
ReturnHeader/Filer/BusinessNameControlTxt0LUMM
ReturnHeader/Filer/EIN0371525217
ReturnHeader/Filer/PhoneNum03605946004
ReturnHeader/Filer/USAddress/AddressLine1Txt012 BELLWETHER WAY NO 224
ReturnHeader/Filer/USAddress/CityNm0BELLINGHAM
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WA
ReturnHeader/Filer/USAddress/ZIPCd098225
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId02F1F5B7C6E89832BDFE1D8C9DD429030F27311DC
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0F38125F5F4AA8E0E6BF735FE10EE6A8EF9AED300
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt069.7.45.162
ReturnHeader/FilingSecurityInformation/IPDt02018-11-06
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PS
ReturnHeader/FilingSecurityInformation/IPTm014:28:00
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/ReturnTs02018-11-06T16:31:16-06:00
ReturnHeader/ReturnTypeCd0990

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,555,002
Liabilities
$24,033
Net assets
$1,530,969
Revenue
$470,595
Expenses
$541,689
Net income
-$71,094
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