Civic Intelligence

Pacific Northwest Tribal Lending a Community Development Financial

990 • Fiscal year 2018 • EIN 37-1525217

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 15, 2019

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

31st percentile

0.02x

Higher debt load relative to assets than 31% of similar nonprofits.

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

Liabilities / Revenue

60th percentile

0.16x

Higher debt load relative to revenue than 60% of similar nonprofits.

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

Net Margin

2nd percentile

-176%

Higher net margin than 2% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2018

Asset Growth

7th percentile

-17%

Faster asset growth than 7% of similar nonprofits.

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

Revenue Growth

3rd percentile

-67%

Faster revenue growth than 3% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets31st percentile

Assets

Down

$1,286,962

Down $268,040 (-17%) from 2017

Net Assets

Down

$1,261,941

Down $269,028 (-18%) from 2017

Liabilities

Up

$25,021

Up $988 (+4.1%) from 2017

Revenue And Expenses
Liabilities / Revenue60th percentileNet Margin2nd percentile

Revenue

Down

$156,179

Down $314,416 (-67%) from 2017

Expenses

Down

$431,005

Down $110,684 (-20%) from 2017

Net Income

Down

-$274,826

Down $203,732 (-287%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth7th 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

2018

Assets$1,286,962
Liabilities$25,021
Net Assets$1,261,941
Open 2018 Filing

Operations Trend

Revenue Growth3rd 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

2018

Revenue$156,179
Expenses$431,005
Net Income-$274,826
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 15, 2019
Return Version
2018v3.1
Gross Receipts
$156,179
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
Other Notes and Loans Receivable, Net$605,171$861,819▲ $256,648
Cash and Non-Interest-Bearing Accounts$776,514$289,407▼ $487,107
Pledges and Grants Receivable$73,210$58,939▼ $14,271
Prepaid Expenses and Deferred Charges$13,731$14,727▲ $996
Total Assets$1,555,002$1,286,962▼ $268,040
Other Assets Total$86,376$62,070▼ $24,306
Liabilities
Accounts Payable and Accrued Expenses$24,033$25,021▲ $988
Total Liabilities$24,033$25,021▲ $988
Net Assets / Fund Balance
Unrestricted Net Assets$1,530,969$1,261,941▼ $269,028
Total Net Assets Fund Balance$1,530,969$1,261,941▼ $269,028
Total Liabilities and Net Assets / Fund Balance$1,555,002$1,286,962▼ $268,040
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Laura WilliamsExecutive DirectorFT$55,460$15,010$70,470

Board Members and Trustees

NameTitle
Joseph BowenChair
Lexie TomVice-chair
Ellie WilburMember
Rex RhoadesMember
Rita JeffersonMember
Steve PriceSecretary
Fred EnginowukTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$73,947
Program Service Revenue
$82,184
Investment Income
$48
Other Revenue
$0
Change in Net Assets
$-274,826
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$248,195
Other Expenses$172,810
Grants and Similar Amounts Paid$10,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$98,630$24,658-$123,288
Current Officers, Directors, Trustees, and Key Employees$69,667$17,417-$87,084
Fees for Services Other$34,514$8,629-$43,143
Occupancy$31,362$7,841-$39,203
Other Employee Benefits$30,258$7,565-$37,823
Office Expenses$20,370$5,092-$25,462
Insurance$9,267$2,317-$11,584
Grants to Domestic Individuals$10,000--$10,000
Travel$7,735$1,934-$9,669
Conferences and Meetings$6,752$1,688-$8,440
Fees for Services Accounting$5,600$1,400-$7,000
Other Expenses$1,254$313-$1,567
Total Functional Expenses$346,802$84,203$0$431,005
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
2019-11-15
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
5
Volunteers
8

Preparer

Firm
Larson Gross Pllc
Address
2211 RIMLAND DR STE 422, BELLINGHAM, WA 98226
Preparer
Steve Forbes-cpa
Phone
3607344280
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other: program service expenses 34,514. Management and general expenses 8,629. Fundraising expenses 0. Total expenses 43,143.”

Raw XML AppendixShowing 400 of 407 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/CurrentTaxYearMinus3YearsAmt031468
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0270000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01424276
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt082232
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0159071
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt059701
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt050497
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt061704
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0413205
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt06610
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt08497
IRS990ScheduleA/OtherIncome170Grp/TotalAmt015107
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.76880
IRS990ScheduleA/PublicSupportPY170Pct00.80490
IRS990ScheduleA/PublicSupportTotal170Amt01424276
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt073947
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0311524
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0737337
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt031468
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0270000
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01424276
IRS990ScheduleA/TotalSupportAmt01852588
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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
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt010000
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/RecipientCnt08
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/ExplanationTxt3OTHER: PROGRAM SERVICE EXPENSES 34,514. MANAGEMENT AND GENERAL EXPENSES 8,629. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 43,143.
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART IX, LINE 11G
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IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0WA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01555002
IRS990/TotalAssetsEOYAmt01286962
IRS990/TotalAssetsGrp/BOYAmt01555002
IRS990/TotalAssetsGrp/EOYAmt01286962
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt073947
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt084203
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0346802
IRS990/TotalFunctionalExpensesGrp/TotalAmt0431005
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt024033
IRS990/TotalLiabilitiesEOYAmt025021
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IRS990/TotalLiabilitiesGrp/EOYAmt025021
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IRS990/TotalOtherCompensationAmt015010
IRS990/TotalProgramServiceExpensesAmt0346802
IRS990/TotalProgramServiceRevenueAmt082184
IRS990/TotalReportableCompFromOrgAmt055460
IRS990/TotalRevenueGrp/ExclusionAmt048
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt082184
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IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01286962
IRS990/TotReportableCompRltdOrgAmt00
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IRS990/TravelGrp/ProgramServicesAmt07735
IRS990/TravelGrp/TotalAmt09669
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt01530969
IRS990/UnrestrictedNetAssetsGrp/EOYAmt01261941
IRS990/UponRequestInd0X
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IRS990/USAddress/StateAbbreviationCd0WA
IRS990/USAddress/ZIPCd098225
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.LUMMICDFI.ORG
IRS990/WhistleblowerPolicyInd00
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ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0BOD CHAIR
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ReturnHeader/BusinessOfficerGrp/SignatureDt02019-11-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LUMMI COMMUNITY DEVELOPMENT
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ReturnHeader/FilingSecurityInformation/IPDt02019-11-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PS
ReturnHeader/FilingSecurityInformation/IPTm014:15:03
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0911663574
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LARSON GROSS PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02211 RIMLAND DR STE 422
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BELLINGHAM
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd098226

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,286,962
Liabilities
$25,021
Net assets
$1,261,941
Revenue
$156,179
Expenses
$431,005
Net income
-$274,826
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