Civic Intelligence

Pacific Northwest Tribal Lending a Community Development Financial

990 • Fiscal year 2021 • EIN 37-1525217

Jan 01, 2021 to Dec 31, 2021 • Filed on Nov 14, 2022

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

69th percentile

0.21x

Higher debt load relative to assets than 69% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

84th percentile

0.75x

Higher debt load relative to revenue than 84% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Net Margin

72nd percentile

28%

Higher net margin than 72% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

74th percentile

$111,782

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 11.8% of source-year revenue.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2021

Asset Growth

77th percentile

29%

Faster asset growth than 77% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

14th percentile

-20%

Faster revenue growth than 14% of similar nonprofits.

2021 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$3,348,684

Up $753,507 (+29%) from 2020

Net Assets

Up

$2,637,017

Up $127,916 (+5.1%) from 2020

Liabilities

Up

$711,667

Up $625,591 (+727%) from 2020

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin72nd percentile

Revenue

Down

$944,031

Down $233,168 (-20%) from 2020

Expenses

Up

$681,526

Up $145,915 (+27%) from 2020

Net Income

Down

$262,505

Down $379,083 (-59%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth77th 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

2021

Assets$3,348,684
Liabilities$711,667
Net Assets$2,637,017
Open 2021 Filing

Operations Trend

Revenue Growth14th 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

2021

Revenue$944,031
Expenses$681,526
Net Income$262,505
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Nov 14, 2022
Return Version
2021v4.2
Gross Receipts
$944,062
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$650,163$2,099,264▲ $1,449,101
Other Notes and Loans Receivable, Net$1,522,391$1,219,946▼ $302,445
Prepaid Expenses and Deferred Charges$31,809$19,474▼ $12,335
Pledges and Grants Receivable$391,064$10,000▼ $381,064
Total Assets$2,595,177$3,348,684▲ $753,507
Other Assets Total$-250$0▲ $250
Liabilities
Other Liabilities$60,015$705,749▲ $645,734
Accounts Payable and Accrued Expenses$26,061$5,918▼ $20,143
Total Liabilities$86,076$711,667▲ $625,591
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,509,101$2,637,017▲ $127,916
Total Net Assets Fund Balance$2,509,101$2,637,017▲ $127,916
Total Liabilities and Net Assets / Fund Balance$2,595,177$3,348,684▲ $753,507
Compensation and Service Providers
Top Officer Pay74th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Laura WilliamsExecutive DirectorPT$89,426$22,356$111,782

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$801,490
Program Service Revenue
$142,362
Investment Income
$14
Other Revenue
$165
All Other Contributions
$7,990
Change in Net Assets
$262,505
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$425,687
Other Expenses$255,839
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$181,960$45,490-$227,450
Current Officers, Directors, Trustees, and Key Employees$89,426$22,356-$111,782
Other Employee Benefits$48,970$12,242-$61,212
Occupancy$39,915$9,979-$49,894
Office Expenses$32,738$8,184-$40,922
Fees for Services Other$31,650$7,913-$39,563
Payroll Taxes$20,194$5,049-$25,243
Fees for Services Accounting$14,080$3,520-$17,600
Other Expenses$6,737$1,684-$8,421
Insurance$6,270$1,567-$7,837
Interest$4,166$1,042-$5,208
Travel$2,082$521-$2,603
Conferences and Meetings$1,079$270-$1,349
Total Functional Expenses$545,221$136,305$0$681,526
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$196
Fundraising Direct Expenses$31
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$705,749
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
Rex Rhoades
Title
Board Chairman
Phone
3605946004
Signed
2022-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rex Rhoades
Formed
2006
Legal Domicile
Wa
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
7

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 410 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/PYTotalExpensesAmt0535611
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01177199
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0262505
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0142362
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0801490
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0950159
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0853560
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt073947
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0311524
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt02990680
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0142376
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0224923
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0258934
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt082232
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0159071
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0867536
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt02508
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt08703
IRS990ScheduleA/OtherIncome170Grp/TotalAmt011211
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.77290
IRS990ScheduleA/PublicSupportPY170Pct00.78620
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IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0801490
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0950159
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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt073947
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0311524
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt02990680
IRS990ScheduleA/TotalSupportAmt03869427
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IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
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IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0705749
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0FUNDS LEFT TO LOAN
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalLiabilityAmt0705749
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/TotalAssetsBOYAmt02595177
IRS990/TotalAssetsEOYAmt03348684
IRS990/TotalAssetsGrp/BOYAmt02595177
IRS990/TotalAssetsGrp/EOYAmt03348684
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0801490
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0136305
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0545221
IRS990/TotalFunctionalExpensesGrp/TotalAmt0681526
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt086076
IRS990/TotalLiabilitiesEOYAmt0711667
IRS990/TotalLiabilitiesGrp/BOYAmt086076
IRS990/TotalLiabilitiesGrp/EOYAmt0711667
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02509101
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02637017
IRS990/TotalOtherCompensationAmt022356
IRS990/TotalProgramServiceExpensesAmt0545221
IRS990/TotalProgramServiceRevenueAmt0142362
IRS990/TotalReportableCompFromOrgAmt089426
IRS990/TotalRevenueGrp/ExclusionAmt0179
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0142362
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0944031
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
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IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt0521
IRS990/TravelGrp/ProgramServicesAmt02082
IRS990/TravelGrp/TotalAmt02603
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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
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ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0REX RHOADES
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0BOARD CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum03605946004
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LUMMI COMMUNITY DEVELOPMENT
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0FINANCIAL INSTITUTION
ReturnHeader/Filer/BusinessNameControlTxt0LUMM
ReturnHeader/Filer/EIN0371525217
ReturnHeader/Filer/PhoneNum03605946004
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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

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,348,684
Liabilities
$711,667
Net assets
$2,637,017
Revenue
$944,031
Expenses
$681,526
Net income
$262,505
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