Civic Intelligence

Pacific Northwest Tribal Lending a Community Development Financial

990 • Fiscal year 2020 • EIN 37-1525217

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 15, 2021

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

36th percentile

0.03x

Higher debt load relative to assets than 36% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

38th percentile

0.07x

Higher debt load relative to revenue than 38% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Net Margin

91st percentile

55%

Higher net margin than 91% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

71st percentile

$105,922

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 9.0% of source-year revenue.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2020

Asset Growth

80th percentile

32%

Faster asset growth than 80% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

59th percentile

5.8%

Faster revenue growth than 59% of similar nonprofits.

2020 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets36th percentile

Assets

Up

$2,595,177

Up $631,246 (+32%) from 2019

Net Assets

Up

$2,509,101

Up $641,588 (+34%) from 2019

Liabilities

Down

$86,076

Down $10,342 (-11%) from 2019

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin91st percentile

Revenue

Up

$1,177,199

Up $64,429 (+5.8%) from 2019

Expenses

Up

$535,611

Up $28,413 (+5.6%) from 2019

Net Income

Up

$641,588

Up $36,016 (+5.9%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth80th 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

2020

Assets$2,595,177
Liabilities$86,076
Net Assets$2,509,101
Open 2020 Filing

Operations Trend

Revenue Growth59th 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

2020

Revenue$1,177,199
Expenses$535,611
Net Income$641,588
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 15, 2021
Return Version
2020v4.1
Gross Receipts
$1,177,590
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$1,305,141$1,522,391▲ $217,250
Cash and Non-Interest-Bearing Accounts$516,130$650,163▲ $134,033
Pledges and Grants Receivable$65,685$391,064▲ $325,379
Prepaid Expenses and Deferred Charges$14,815$31,809▲ $16,994
Total Assets$1,963,931$2,595,177▲ $631,246
Other Assets Total$62,160$-250▼ $62,410
Liabilities
Other Liabilities$65,305$60,015▼ $5,290
Accounts Payable and Accrued Expenses$31,113$26,061▼ $5,052
Total Liabilities$96,418$86,076▼ $10,342
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,867,513$2,509,101▲ $641,588
Total Net Assets Fund Balance$1,867,513$2,509,101▲ $641,588
Total Liabilities and Net Assets / Fund Balance$1,963,931$2,595,177▲ $631,246
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Laura WilliamsExecutive DirectorFT$87,264$18,658$105,922

Board Members and Trustees

NameTitle
Rex RhodesChair
Ellie WilburVice-chair
Cindy CulteeBoard Member
Joseph BowenBoard Member
Lexie TomBoard Member
Becky KinleySecretary
Fred EnginowukTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$950,159
Program Service Revenue
$224,895
Investment Income
$28
Other Revenue
$2,117
All Other Contributions
$206,280
Change in Net Assets
$641,588
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$398,331
Other Expenses$137,280
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$172,416$43,104-$215,520
Current Officers, Directors, Trustees, and Key Employees$84,738$21,184-$105,922
Other Employee Benefits$43,271$10,818-$54,089
Occupancy$36,771$9,193-$45,964
Office Expenses$32,087$8,022-$40,109
Fees for Services Accounting$22,394$5,599-$27,993
Payroll Taxes$18,240$4,560-$22,800
Travel$5,636$1,409-$7,045
Fees for Services Other$4,667$1,167-$5,834
Conferences and Meetings$2,729$682-$3,411
Advertising$698$174-$872
Other Expenses$566$142-$708
Fees for Services Legal$61$15-$76
Total Functional Expenses$428,488$107,123$0$535,611
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$2,508
Fundraising Direct Expenses$391
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
Funds Left to Loan$60,015
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
Fred Eningowuk
Title
Treasurer
Phone
3605946004
Signed
2021-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Fred Eningowuk
Formed
2006
Legal Domicile
Wa
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
8

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 409 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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IRS990/PYTotalExpensesAmt0507198
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01112770
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0641588
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0224895
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0950159
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0853560
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt073947
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0311524
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0737336
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt02926526
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0224923
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0258934
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt082232
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0159071
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt059701
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0784861
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt02508
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt08703
IRS990ScheduleA/OtherIncome170Grp/TotalAmt011211
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.78620
IRS990ScheduleA/PublicSupportPY170Pct00.76240
IRS990ScheduleA/PublicSupportTotal170Amt02926526
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0950159
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0853560
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt073947
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0311524
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0737336
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt02926526
IRS990ScheduleA/TotalSupportAmt03722598
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/OtherLiabilitiesOrgGrp/Amt060015
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0FUNDS LEFT TO LOAN
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalLiabilityAmt060015
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/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01963931
IRS990/TotalAssetsEOYAmt02595177
IRS990/TotalAssetsGrp/BOYAmt01963931
IRS990/TotalAssetsGrp/EOYAmt02595177
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0950159
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0107123
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0428488
IRS990/TotalFunctionalExpensesGrp/TotalAmt0535611
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt096418
IRS990/TotalLiabilitiesEOYAmt086076
IRS990/TotalLiabilitiesGrp/BOYAmt096418
IRS990/TotalLiabilitiesGrp/EOYAmt086076
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01867513
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02509101
IRS990/TotalOtherCompensationAmt018658
IRS990/TotalProgramServiceExpensesAmt0428488
IRS990/TotalProgramServiceRevenueAmt0224895
IRS990/TotalReportableCompFromOrgAmt087264
IRS990/TotalRevenueGrp/ExclusionAmt02145
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0224895
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01177199
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01963931
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02595177
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt01409
IRS990/TravelGrp/ProgramServicesAmt05636
IRS990/TravelGrp/TotalAmt07045
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0BELLINGHAM
IRS990/USAddress/StateAbbreviationCd0WA
IRS990/USAddress/ZIPCd098225
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.LUMMICDFI.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0FRED ENINGOWUK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum03605946004
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-11-15
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/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

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,595,177
Liabilities
$86,076
Net assets
$2,509,101
Revenue
$1,177,199
Expenses
$535,611
Net income
$641,588
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