Civic Intelligence

Northern Shores Community Development

EIN 37-1548658 • 501(c)3 • Petoskey, MI

Profile

NONE

2200 E Mitchell Rd Unit EPetoskey, MI 49770

www.northernshoresloanfund.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

51st percentile

0.07x

Higher debt load relative to assets than 51% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

59th percentile

0.14x

Higher debt load relative to revenue than 59% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

85th percentile

40%

Higher net margin than 85% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

65th percentile

$29,612

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 9.9% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2023

Asset Growth

84th percentile

29%

Faster asset growth than 84% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

96th percentile

202%

Faster revenue growth than 96% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets51st percentile

Assets

Up

$1,690,793

Up $377,068 (+29%) from 2023

Liabilities

Up

$122,801

Up $20,290 (+20%) from 2023

Net Assets

Up

$1,567,992

Up $356,778 (+29%) from 2023

Operations
Liabilities / Revenue59th percentileNet Margin85th percentile

Revenue

Up

$902,755

Up $603,416 (+202%) from 2023

Expenses

Up

$545,977

Up $93,692 (+21%) from 2023

Net Income

Up

$356,778

Up $509,724 (+333%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth84th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0M$1.5M$1.0M$500K$0Assets 2010: $428,124Liabilities 2010: $290,100Net Assets 2010: $138,0242010Assets 2011: $1,017,147Liabilities 2011: $897,133Net Assets 2011: $120,0142011Assets 2012: $1,003,548Liabilities 2012: $701,774Net Assets 2012: $301,7742012Assets 2013: $865,200Liabilities 2013: $30,559Net Assets 2013: $834,6412013Assets 2014: $690,025Liabilities 2014: $8,104Net Assets 2014: $681,9212014Assets 2015: $750,154Liabilities 2015: $50,101Net Assets 2015: $700,0532015Assets 2016: $610,418Liabilities 2016: $46,603Net Assets 2016: $563,8152016Assets 2017: $1,027,111Liabilities 2017: $76,857Net Assets 2017: $950,2542017Assets 2018: $754,308Liabilities 2018: $5,961Net Assets 2018: $748,3472018Assets 2019: $859,436Liabilities 2019: $5,781Net Assets 2019: $853,6552019Assets 2020: $993,471Liabilities 2020: $4,303Net Assets 2020: $989,1682020Assets 2021: $1,553,913Liabilities 2021: $5,161Net Assets 2021: $1,548,7522021Assets 2022: $1,439,114Liabilities 2022: $74,954Net Assets 2022: $1,364,1602022Assets 2023: $1,313,725Liabilities 2023: $102,511Net Assets 2023: $1,211,2142023Assets 2024: $1,690,793Liabilities 2024: $122,801Net Assets 2024: $1,567,9922024

Highlighted filing

2024

Assets$1,690,793
Liabilities$122,801
Net Assets$1,567,992
Open 2024 Filing

Operations Trend

Revenue Growth96th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KRevenue 2010: $158,991Expenses 2010: $152,814Net Income 2010: $6,1772010Expenses 2011: $145,6002011Expenses 2012: $175,7062012Revenue 2013: $81,672Expenses 2013: $247,514Net Income 2013: -$165,8422013Revenue 2014: $101,706Expenses 2014: $254,426Net Income 2014: -$152,7202014Revenue 2015: $222,447Expenses 2015: $204,315Net Income 2015: $18,1322015Revenue 2016: $49,581Expenses 2016: $185,819Net Income 2016: -$136,2382016Revenue 2017: $564,005Expenses 2017: $177,566Net Income 2017: $386,4392017Revenue 2018: $19,403Expenses 2018: $221,310Net Income 2018: -$201,9072018Revenue 2019: $319,038Expenses 2019: $213,730Net Income 2019: $105,3082019Revenue 2020: $449,308Expenses 2020: $313,795Net Income 2020: $135,5132020Revenue 2021: $743,057Expenses 2021: $198,473Net Income 2021: $544,5842021Revenue 2022: $125,673Expenses 2022: $310,265Net Income 2022: -$184,5922022Revenue 2023: $299,339Expenses 2023: $452,285Net Income 2023: -$152,9462023Revenue 2024: $902,755Expenses 2024: $545,977Net Income 2024: $356,7782024

Highlighted filing

2024

Revenue$902,755
Expenses$545,977
Net Income$356,778
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$1,690,793
Liabilities
$122,801
Net assets
$1,567,992
Revenue
$902,755
Expenses
$545,977
Net income
$356,778
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.69$0.12$1.57$0.90$0.55$0.36
2023Detailed filing. Detailed filing data is available for this year.$1.31$0.10$1.21$0.30$0.45$0.15
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.44$0.07$1.36$0.13$0.31$0.18
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.55$0.01$1.55$0.74$0.20$0.54
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.99$0.00$0.99$0.45$0.31$0.14
2019Detailed filing. Detailed filing data is available for this year.$0.86$0.01$0.85$0.32$0.21$0.11
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.75$0.01$0.75$0.02$0.22$0.20
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.03$0.08$0.95$0.56$0.18$0.39
2016Detailed filing. Detailed filing data is available for this year.$0.61$0.05$0.56$0.05$0.19$0.14
2015Detailed filing. Detailed filing data is available for this year.$0.75$0.05$0.70$0.22$0.20$0.02
2014Summary only. Only limited summary data is available for this year.$0.69$0.01$0.68$0.10$0.25$0.15
2013Detailed filing. Detailed filing data is available for this year.$0.87$0.03$0.83$0.08$0.25$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.00$0.70$0.30$0.18
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.02$0.90$0.12$0.15
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.43$0.29$0.14$0.16$0.15$0.01
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2023 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Oct 30, 2024
Return Version
2023v5.1
Gross Receipts
$299,339
Mission and Program Overview

Mission

NONE

To assist primarily american indian communities and other underserved michigan residents with training, business incubation and access to capital.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net-$572,239-
Savings and Temporary Cash Investments$669,465$505,857▼ $163,608
Pledges and Grants Receivable-$129,075-
Prepaid Expenses and Deferred Charges-$14,325-
Land, Buildings, and Equipment, Net$0$0→ $0
Total Assets$1,439,114$1,313,725▼ $125,389
Other Assets Total$769,649$92,229▼ $677,420
Liabilities
Deferred Revenue$50,000$50,000→ $0
Other Liabilities$7,944$42,229▲ $34,285
Accounts Payable and Accrued Expenses$17,010$10,282▼ $6,728
Total Liabilities$74,954$102,511▲ $27,557
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$589,602$942,836▲ $353,234
Net Assets With Donor Restrictions$774,558$268,378▼ $506,180
Total Net Assets Fund Balance$1,364,160$1,211,214▼ $152,946
Total Liabilities and Net Assets / Fund Balance$1,439,114$1,313,725▼ $125,389

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$0$24,465$24,465
Equipment$0$19,044$19,044
Other Assets Org$42,229--
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Shanna ShananaquetExecutive Director (started 8/23)FT$29,612$29,612
Cindy HendricksonExecutive Director (ended 8/23)FT$27,370$27,370
Sonya ZotighTrustee-$3,178$3,178

Board Members and Trustees

NameTitle
Laura BlumbergChair
Pat Dyer-deckrowVice-chair
Robert EllermanTrustee
Harley LuplowTrustee (ended 8/23)
Steven SochaySecertary
Patrick SchmidtTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$270,137
Program Service Revenue
$27,712
Investment Income
$78
Other Revenue
$1,412
All Other Contributions
$270,137
Change in Net Assets
$-152,946
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$280,736
Salaries, Compensation, and Employee Benefits$149,549
Grants and Similar Amounts Paid$22,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$21,018$39,905-$60,923
Current Officers, Directors, Trustees, and Key Employees$20,755$39,405-$60,160
Fees for Services Accounting$37,278--$37,278
Office Expenses$5,348$21,391-$26,739
Travel$24,808--$24,808
Grants to Domestic Individuals$22,000--$22,000
Fees for Services Legal$19,194--$19,194
Other Employee Benefits$6,566$12,466-$19,032
Fees for Services Other$8,872$8,873-$17,745
Occupancy$8,493$7,283-$15,776
Payroll Taxes$3,255$6,179-$9,434
Insurance$1,584$6,334-$7,918
Conferences and Meetings$5,869--$5,869
Other Expenses$2,340--$2,340
All Other Expenses$1,485--$1,485
Information Technology$1,130--$1,130
Advertising$315--$315
Total Functional Expenses$310,449$141,836$0$452,285
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Sandra WitherspoonFamily Member of Pat Dyer-deckrow, Board Vice ChairEmployeeNo$26,055
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Operating Lease Liability$42,229
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
Yes
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 review of the form 990 was conducted by the executive director and members of the finance committee before it was filed. The review consisted of a review of the financial information and examining all questions on the form 990.”

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

“A copy of the conflict of interest policy is given to all board members, staff members, volunteers or other key stakeholders upon commencement of such person's relationship with the organization. Each individual shall complete, sign, and date the policy at the beginning of heir term of service or employment and each year thereafter.”

Form 990, Part VI, Section C, Line 19

“The annual financial statements are published in the annual report and given out to the public throughout the year and always accessible within the office. The articles of incorporation are filed within the little traverse bay bands of odawa indians department of commerce and available to the public through that department. Also, all original and amended copies of approved articles of incorporation and by-laws as well as policies & procedures are available in the office upon request.”

Filing and Contact Details

Filer

Filer Name
Northern Shores Community Development
EIN
37-1548658
Phone
2313476753
Address
2200 E MITCHELL RD UNIT E, PETOSKEY, MI 49770

Signing Officer

Name
Shanna Shananaquet
Title
Executive Director
Phone
2313476753
Signed
2024-10-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Shanna Shananaquet
Formed
2007
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
6
Employees
5
Volunteers
7

Preparer

Firm
Maner Costerisan Pc
Address
2425 E GRAND RIVER SUITE 1, LANSING, MI 48912-3291
Preparer
Amber Rathbun CPA
Phone
5173237500
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“In the preparation of tax returns, tax positions are taken based on interpretation of federal, state, and local income tax laws. Management periodically reviews and evaluates the status of uncertain tax positions and makes estimates of amounts, including interest and penalties, ultimately due or owed. No amounts have been identified, or recorded, as uncertain tax positions. Federal, state, and local returns generally remain open for examination by the various taxing authorities for a period of three to four years.”

Raw XML AppendixShowing 400 of 448 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.

Path#Value
IRS990/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt017010
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt010282
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO ASSIST PRIMARILY AMERICAN INDIAN COMMUNITIES AND OTHER UNDERSERVED MICHIGAN RESIDENTS WITH TRAINING, BUSINESS INCUBATION AND ACCESS TO CAPITAL.
IRS990/AddressChangeInd0X
IRS990/AdvertisingGrp/ProgramServicesAmt0315
IRS990/AdvertisingGrp/TotalAmt0315
IRS990/AllOtherContributionsAmt0270137
IRS990/AllOtherExpensesGrp/ProgramServicesAmt01485
IRS990/AllOtherExpensesGrp/TotalAmt01485
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0OWEESTA CORPORATION
IRS990/BooksInCareOfDetail/PhoneNum03037748838
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02432 MAIN STREET 1ST FLOOR
IRS990/BooksInCareOfDetail/USAddress/CityNm0LONGMONT
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd080501
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd01
IRS990/BusinessRlnWithOrgMemInd00
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt039405
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt020755
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt060160
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt05869
IRS990/ConferencesMeetingsGrp/TotalAmt05869
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0270137
IRS990/CYGrantsAndSimilarPaidAmt022000
IRS990/CYInvestmentIncomeAmt078
IRS990/CYOtherExpensesAmt0280736
IRS990/CYOtherRevenueAmt01412
IRS990/CYProgramServiceRevenueAmt027712
IRS990/CYRevenuesLessExpensesAmt0-152946
IRS990/CYSalariesCompEmpBnftPaidAmt0149549
IRS990/CYTotalExpensesAmt0452285
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0299339
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt050000
IRS990/DeferredRevenueGrp/EOYAmt050000
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0PROVIDED LOANS TO TARGET POPULATIONS IN NORTHERN MICHIGAN. THERE WERE 82 LOANS OUTSTANDING AS OF DECEMBER 31, 2023.
IRS990/DescribedInSection501c3Ind01
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRestrictionNetAssetsGrp/BOYAmt0774558
IRS990/DonorRestrictionNetAssetsGrp/EOYAmt0268378
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EngagedInExcessBenefitTransInd00
IRS990/ExpenseAmt0310449
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt037278
IRS990/FeesForServicesAccountingGrp/TotalAmt037278
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt019194
IRS990/FeesForServicesLegalGrp/TotalAmt019194
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt08873
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt08872
IRS990/FeesForServicesOtherGrp/TotalAmt017745
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0SHANNA SHANANAQUET
IRS990/Form990PartVIISectionAGrp/PersonNm1CINDY HENDRICKSON
IRS990/Form990PartVIISectionAGrp/PersonNm2SONYA ZOTIGH
IRS990/Form990PartVIISectionAGrp/PersonNm3ROBERT ELLERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm4HARLEY LUPLOW
IRS990/Form990PartVIISectionAGrp/PersonNm5PATRICK SCHMIDT
IRS990/Form990PartVIISectionAGrp/PersonNm6STEVEN SOCHAY
IRS990/Form990PartVIISectionAGrp/PersonNm7PAT DYER-DECKROW
IRS990/Form990PartVIISectionAGrp/PersonNm8LAURA BLUMBERG
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
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IRS990/Form990PartVIISectionAGrp/TitleTxt0EXECUTIVE DIRECTOR (STARTED 8/23)
IRS990/Form990PartVIISectionAGrp/TitleTxt1EXECUTIVE DIRECTOR (ENDED 8/23)
IRS990/Form990PartVIISectionAGrp/TitleTxt2TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4TRUSTEE (ENDED 8/23)
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECERTARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7VICE-CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHAIR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr02007
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantAmt022000
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt022000
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt022000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0299339
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt01130
IRS990/InformationTechnologyGrp/TotalAmt01130
IRS990/InsuranceGrp/ManagementAndGeneralAmt06334
IRS990/InsuranceGrp/ProgramServicesAmt01584
IRS990/InsuranceGrp/TotalAmt07918
IRS990/InvestmentIncomeGrp/ExclusionAmt078
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt078
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt07
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt043509
IRS990/LandBldgEquipBasisNetGrp/BOYAmt00
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LandBldgEquipCostOrOtherBssAmt043509
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO ASSIST PRIMARILY AMERICAN INDIAN COMMUNITIES AND OTHER UNDERSERVED MICHIGAN RESIDENTS WITH TRAINING, BUSINESS INCUBATION AND ACCESS TO CAPITAL.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NameChangeInd0X
IRS990/NetAssetsOrFundBalancesBOYAmt01364160
IRS990/NetAssetsOrFundBalancesEOYAmt01211214
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0589602
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0942836
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt07283
IRS990/OccupancyGrp/ProgramServicesAmt08493
IRS990/OccupancyGrp/TotalAmt015776
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt021391
IRS990/OfficeExpensesGrp/ProgramServicesAmt05348
IRS990/OfficeExpensesGrp/TotalAmt026739
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0769649
IRS990/OtherAssetsTotalGrp/EOYAmt092229
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt012466
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt06566
IRS990/OtherEmployeeBenefitsGrp/TotalAmt019032
IRS990/OtherExpensesGrp/Desc0LOAN LOSS PROVISIONS
IRS990/OtherExpensesGrp/Desc1LOSS ON LOAN DEFAULT
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/ProgramServicesAmt057323
IRS990/OtherExpensesGrp/ProgramServicesAmt151180
IRS990/OtherExpensesGrp/ProgramServicesAmt211636
IRS990/OtherExpensesGrp/ProgramServicesAmt32340
IRS990/OtherExpensesGrp/TotalAmt057323
IRS990/OtherExpensesGrp/TotalAmt151180
IRS990/OtherExpensesGrp/TotalAmt211636
IRS990/OtherExpensesGrp/TotalAmt32340
IRS990/OtherLiabilitiesGrp/BOYAmt07944
IRS990/OtherLiabilitiesGrp/EOYAmt042229
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS REVENUE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01412
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01412
IRS990/OtherRevenueTotalAmt01412
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt039905
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt021018
IRS990/OtherSalariesAndWagesGrp/TotalAmt060923
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0572239
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt06179
IRS990/PayrollTaxesGrp/ProgramServicesAmt03255
IRS990/PayrollTaxesGrp/TotalAmt09434
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0129075
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt014325
IRS990/PrincipalOfficerNm0SHANNA SHANANAQUET
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME - LOAN
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt018689
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt19023
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt018689
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt19023
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0104342
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt042000
IRS990/PYInvestmentIncomeAmt080
IRS990/PYOtherExpensesAmt0133473
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt021251
IRS990/PYRevenuesLessExpensesAmt0-184592
IRS990/PYSalariesCompEmpBnftPaidAmt0134792
IRS990/PYTotalExpensesAmt0310265
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0125673
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-152946
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt029124
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0669465
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0505857
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0270137
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0104342
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0720626
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0419105
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0300000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01814210
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt078
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt080
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt014
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt017
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt033
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0222
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0124461
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt01412
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt05
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt0150
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt0-4045
IRS990ScheduleA/OtherIncome170Grp/TotalAmt0-2478
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.78940
IRS990ScheduleA/PublicSupportPY170Pct00.99210
IRS990ScheduleA/PublicSupportTotal170Amt01430328
IRS990ScheduleA/SubstantialContributorsTotAmt0383882
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0270137
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0104342
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0720626
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0419105
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0300000
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01814210
IRS990ScheduleA/TotalSupportAmt01811954
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/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt019044
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt019044
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt050000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt142229
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0LAND HELD FOR SALE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1OPERATING LEASE RIGHT-OF-USE ASSETS
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt024465
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt024465
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt042229
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OPERATING LEASE LIABILITY
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0IN THE PREPARATION OF TAX RETURNS, TAX POSITIONS ARE TAKEN BASED ON INTERPRETATION OF FEDERAL, STATE, AND LOCAL INCOME TAX LAWS. MANAGEMENT PERIODICALLY REVIEWS AND EVALUATES THE STATUS OF UNCERTAIN TAX POSITIONS AND MAKES ESTIMATES OF AMOUNTS, INCLUDING INTEREST AND PENALTIES, ULTIMATELY DUE OR OWED. NO AMOUNTS HAVE BEEN IDENTIFIED, OR RECORDED, AS UNCERTAIN TAX POSITIONS. FEDERAL, STATE, AND LOCAL RETURNS GENERALLY REMAIN OPEN FOR EXAMINATION BY THE VARIOUS TAXING AUTHORITIES FOR A PERIOD OF THREE TO FOUR YEARS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalBookValueOtherAssetsAmt092229
IRS990ScheduleD/TotalLiabilityAmt042229
IRS990ScheduleI/GrantRecordsMaintainedInd00
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt022000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0GRANTS FOR FARMING RELATED ACTIVITIES
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt014
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0SANDRA WITHERSPOON
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0FAMILY MEMBER OF PAT DYER-DECKROW, BOARD VICE CHAIR
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt026055
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0EMPLOYEE
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE REVIEW OF THE FORM 990 WAS CONDUCTED BY THE EXECUTIVE DIRECTOR AND MEMBERS OF THE FINANCE COMMITTEE BEFORE IT WAS FILED. THE REVIEW CONSISTED OF A REVIEW OF THE FINANCIAL INFORMATION AND EXAMINING ALL QUESTIONS ON THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A COPY OF THE CONFLICT OF INTEREST POLICY IS GIVEN TO ALL BOARD MEMBERS, STAFF MEMBERS, VOLUNTEERS OR OTHER KEY STAKEHOLDERS UPON COMMENCEMENT OF SUCH PERSON'S RELATIONSHIP WITH THE ORGANIZATION. EACH INDIVIDUAL SHALL COMPLETE, SIGN, AND DATE THE POLICY AT THE BEGINNING OF HEIR TERM OF SERVICE OR EMPLOYMENT AND EACH YEAR THEREAFTER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ANNUAL FINANCIAL STATEMENTS ARE PUBLISHED IN THE ANNUAL REPORT AND GIVEN OUT TO THE PUBLIC THROUGHOUT THE YEAR AND ALWAYS ACCESSIBLE WITHIN THE OFFICE. THE ARTICLES OF INCORPORATION ARE FILED WITHIN THE LITTLE TRAVERSE BAY BANDS OF ODAWA INDIANS DEPARTMENT OF COMMERCE AND AVAILABLE TO THE PUBLIC THROUGH THAT DEPARTMENT. ALSO, ALL ORIGINAL AND AMENDED COPIES OF APPROVED ARTICLES OF INCORPORATION AND BY-LAWS AS WELL AS POLICIES & PROCEDURES ARE AVAILABLE IN THE OFFICE 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/StatesWhereCopyOfReturnIsFldCd0MI
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01439114
IRS990/TotalAssetsEOYAmt01313725
IRS990/TotalAssetsGrp/BOYAmt01439114
IRS990/TotalAssetsGrp/EOYAmt01313725
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0270137
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0141836
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0310449
IRS990/TotalFunctionalExpensesGrp/TotalAmt0452285
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt074954
IRS990/TotalLiabilitiesEOYAmt0102511
IRS990/TotalLiabilitiesGrp/BOYAmt074954
IRS990/TotalLiabilitiesGrp/EOYAmt0102511
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01364160
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01211214
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0310449
IRS990/TotalProgramServiceRevenueAmt027712
IRS990/TotalReportableCompFromOrgAmt060160
IRS990/TotalRevenueGrp/ExclusionAmt078
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt029124
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0299339

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