Civic Intelligence

Otr Resources

990 • Fiscal year 2016 • EIN 38-3910893

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 27, 2017

1305 Wycliff AveDallas, TX 75207

(214) 906-7067

Siviq Scores

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

Liabilities / Assets

94th percentile

1.11x

Higher debt load relative to assets than 94% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Liabilities / Revenue

89th percentile

0.91x

Higher debt load relative to revenue than 89% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Net Margin

89th percentile

41%

Higher net margin than 89% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2016

Asset Growth

99th percentile

656%

Faster asset growth than 99% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2015 to 2016

Revenue Growth

98th percentile

320%

Faster revenue growth than 98% of similar nonprofits.

2016 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2015 to 2016

Assets

Up

$580,933

Up $504,053 (+656%) from 2015

Net Assets

Up

-$62,310

Up $254,313 (+80%) from 2015

Liabilities

Up

$643,243

Up $249,740 (+63%) from 2015

Revenue

Up

$708,634

Up $539,760 (+320%) from 2015

Expenses

Up

$420,899

Up $285,852 (+212%) from 2015

Net Income

Up

$287,735

Up $253,908 (+751%) from 2015

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$20M$10M$0-$10MAssets 2013: $45,125Liabilities 2013: $60,0002013Assets 2014: $14,065Liabilities 2014: $406,712Net Assets 2014: -$392,6472014Assets 2015: $76,880Liabilities 2015: $393,503Net Assets 2015: -$316,6232015Assets 2016: $580,933Liabilities 2016: $643,243Net Assets 2016: -$62,3102016Assets 2017: $627,475Liabilities 2017: $178,990Net Assets 2017: $448,4852017Assets 2018: $813,108Liabilities 2018: $11,949Net Assets 2018: $801,1592018Assets 2019: $3,187,712Liabilities 2019: $20,839Net Assets 2019: $3,166,8732019Assets 2020: $9,649,605Liabilities 2020: $8,218,395Net Assets 2020: $1,431,2102020Assets 2021: $16,314,652Liabilities 2021: $16,350,102Net Assets 2021: -$35,4502021Assets 2022: $16,935,632Liabilities 2022: $17,647,246Net Assets 2022: -$711,6142022Assets 2023: $11,746,055Liabilities 2023: $17,759,110Net Assets 2023: -$6,013,0552023Assets 2024: $4,416,968Liabilities 2024: $12,187,524Net Assets 2024: -$7,770,5562024

Highlighted filing

2016

Assets$580,933
Liabilities$643,243
Net Assets-$62,310

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$10M$5.0M$0-$5.0MRevenue 2013: $7,200Expenses 2013: $22,074Net Income 2013: -$14,8742013Revenue 2014: $74,192Expenses 2014: $348,844Net Income 2014: -$274,6522014Revenue 2015: $168,874Expenses 2015: $135,047Net Income 2015: $33,8272015Revenue 2016: $708,634Expenses 2016: $420,899Net Income 2016: $287,7352016Revenue 2017: $1,646,114Expenses 2017: $1,135,319Net Income 2017: $510,7952017Revenue 2018: $2,302,939Expenses 2018: $1,430,592Net Income 2018: $872,3472018Revenue 2019: $5,179,121Expenses 2019: $2,178,407Net Income 2019: $3,000,7142019Revenue 2020: $938,577Expenses 2020: $2,674,240Net Income 2020: -$1,735,6632020Revenue 2021: $5,467,366Expenses 2021: $8,159,026Net Income 2021: -$2,691,6602021Revenue 2022: $2,765,922Expenses 2022: $3,442,086Net Income 2022: -$676,1642022Revenue 2023: $2,891,033Expenses 2023: $2,734,943Net Income 2023: $156,0902023Revenue 2024: $1,767,095Expenses 2024: $2,527,127Net Income 2024: -$760,0322024

Highlighted filing

2016

Revenue$708,634
Expenses$420,899
Net Income$287,735
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 27, 2017
Return Version
2016v3.0
Gross Receipts
$712,663
Mission and Program Overview

Mission

On the road lending seeks to lift the disadvantaged and working poor from poverty by providing financial education and assisting with accessing reliable transportation. Otrl finds the client vehicles that are lare model, reliable (with warranties), fuel efficient and available at less than market value. Otrl helps the clients access below-market interest rate loans, as most clients have limited or poor credit.

On the road lending seeks to lift the disadvantaged and working poor from poverty by providing financial education and assisting with accessing reliable transportation.

Balance Sheet Detail
LineBeginningEndChange
Assets
Pledges and Grants Receivable$58,007$558,307▲ $500,300
Cash and Non-Interest-Bearing Accounts$18,863$11,221▼ $7,642
Land, Buildings, and Equipment, Net$3,353$3,751▲ $398
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$80,223$580,933▲ $500,710
Other Assets Total-$7,654-
Liabilities
Unsecured Notes Loans Payable$380,284$573,900▲ $193,616
Accounts Payable and Accrued Expenses$49,984$69,343▲ $19,359
Total Liabilities$430,268$643,243▲ $212,975
Net Assets / Fund Balance
Unrestricted Net Assets$-350,045$-62,310▲ $287,735
Total Net Assets Fund Balance$-350,045$-62,310▲ $287,735
Total Liabilities and Net Assets / Fund Balance$80,223$580,933▲ $500,710

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$3,751$2,978$6,729
Compensation and Service Providers

Board Members and Trustees

NameTitle
Trent PettyChair
Eric HansenVice Chair
Brian ShultzDirector
Cynthia Pharr LeeDirector
David ChardDirector
Maria CoelloDirector
Michelle CorsonDirector
Paula SteinDirector
Peter DetrempeDirector
Bradley WilsonSecretary
Jay AltizerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$712,663
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$-4,029
All Other Contributions
$712,663
Change in Net Assets
$287,735
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$283,025
Salaries, Compensation, and Employee Benefits$137,874
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$124,202--$124,202
Advertising$11,124$23,045-$34,169
Fees for Services Accounting-$27,797-$27,797
All Other Expenses$19,998$6,993-$26,991
Occupancy-$15,272-$15,272
Information Technology-$15,214-$15,214
Travel-$14,830-$14,830
Other Expenses$11,720$13,641-$11,720
Payroll Taxes$9,744--$9,744
Other Employee Benefits$3,928--$3,928
Fees for Services Legal-$3,082-$3,082
Insurance-$1,116-$1,116
Depreciation Depletion-$1,071-$1,071
Conferences and Meetings-$144-$144
Total Functional Expenses$298,694$122,205$0$420,899
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$4,029
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
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 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, Line 11B: Form 990 Review Process

Form 990 is emailed to all board members before the return is filed.

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

Each member of the board of directors is required annually to sign a "conflict of interest" statement. Management insures that staff and the board members are exempted as contractors and/or vendors of on the road lending

Form 990, Part VI, Line 18: Explanation of Other Means Forms Available For Public Inspection

The organization's governing documents, policies and financial statements are made available upon request.

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

No documents available to the public.

Filing and Contact Details

Filer

Filer Name
On the Road Lending
EIN
38-3910893
Phone
2149067067
Address
1305 WYCLIFF AVE, DALLAS, TX 75207

Signing Officer

Name
Michelle Corson
Title
CEO
Signed
2017-04-27
Discuss with paid preparer
Yes

Organization Details

Formed
2013
Legal Domicile
TX
Voting Board Members
11
Independent Board Members
11
Employees
0

Preparer

Firm
Thomas Stephen & Co Llp
Address
3300 Oak Lawn Avenue Suite 650, Dallas, TX 75219
Preparer
Thomas V Stephen
Phone
2148242556
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IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt015272
IRS990/OccupancyGrp/TotalAmt015272
IRS990/OfficeExpensesGrp/TotalAmt00
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/EOYAmt07654
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt03928
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03928
IRS990/OtherExpensesGrp/Desc0Coaches
IRS990/OtherExpensesGrp/Desc1Partner Support
IRS990/OtherExpensesGrp/Desc2Printing and Publications
IRS990/OtherExpensesGrp/Desc3Gifts on behalf of Cliens
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt013641
IRS990/OtherExpensesGrp/ProgramServicesAmt094425
IRS990/OtherExpensesGrp/ProgramServicesAmt123553
IRS990/OtherExpensesGrp/ProgramServicesAmt211720
IRS990/OtherExpensesGrp/TotalAmt094425
IRS990/OtherExpensesGrp/TotalAmt123553
IRS990/OtherExpensesGrp/TotalAmt213641
IRS990/OtherExpensesGrp/TotalAmt311720
IRS990/OtherInd0X
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0124202
IRS990/OtherSalariesAndWagesGrp/TotalAmt0124202
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt09744
IRS990/PayrollTaxesGrp/TotalAmt09744
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt058007
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0558307
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0168924
IRS990/PYExcessBenefitTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt07750
IRS990/PYInvestmentIncomeAmt0-250
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt071661
IRS990/PYOtherRevenueAmt0200
IRS990/PYRevenuesLessExpensesAmt0-2188
IRS990/PYTotalExpensesAmt0171062
IRS990/PYTotalProfFndrsngExpnsAmt091651
IRS990/PYTotalRevenueAmt0168874
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0287735
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990ScheduleA/First5Years170Ind0X
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0712663
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0168924
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt082613
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt01200
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0965400
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt010
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt010
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt0200
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt0390
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt06000
IRS990ScheduleA/OtherIncome170Grp/TotalAmt06590
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.00000
IRS990ScheduleA/PublicSupportTotal170Amt0965400
IRS990ScheduleA/SubstantialContributorsTotAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0712663
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0168924
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt082613
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt01200
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0965400
IRS990ScheduleA/TotalSupportAmt0972000
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
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/ScheduleBRequiredInd0true
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt03751
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt02978
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt06729
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03751
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 IS EMAILED TO ALL BOARD MEMBERS BEFORE THE RETURN IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH MEMBER OF THE BOARD OF DIRECTORS IS REQUIRED ANNUALLY TO SIGN A "CONFLICT OF INTEREST" STATEMENT. MANAGEMENT INSURES THAT STAFF AND THE BOARD MEMBERS ARE EXEMPTED AS CONTRACTORS AND/OR VENDORS OF ON THE ROAD LENDING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION'S GOVERNING DOCUMENTS, POLICIES AND FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 18: Explanation of Other Means Forms Available For Public Inspection
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt080223
IRS990/TotalAssetsEOYAmt0580933
IRS990/TotalAssetsGrp/BOYAmt080223
IRS990/TotalAssetsGrp/EOYAmt0580933
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0712663
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0122205
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0298694
IRS990/TotalFunctionalExpensesGrp/TotalAmt0420899
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0430268
IRS990/TotalLiabilitiesEOYAmt0643243
IRS990/TotalLiabilitiesGrp/BOYAmt0430268
IRS990/TotalLiabilitiesGrp/EOYAmt0643243
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-350045
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-62310
IRS990/TotalProgramServiceExpensesAmt0298694
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalRevenueGrp/ExclusionAmt0-4029
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0708634
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt080223
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0580933
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ManagementAndGeneralAmt014830
IRS990/TravelGrp/TotalAmt014830

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.42$12.2$7.77$1.77$2.53$0.76
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.7$17.8$6.01$2.89$2.73$0.16
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.9$17.6$0.71$2.77$3.44$0.68
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.3$16.4$0.04$5.47$8.16$2.69
2020Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$9.65$8.22$1.43$0.94$2.67$1.74
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.19$0.02$3.17$5.18$2.18$3.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.81$0.01$0.80$2.30$1.43$0.87
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.63$0.18$0.45$1.65$1.14$0.51
2016Detailed filing. Detailed filing data is available for this year.$0.58$0.64$0.06$0.71$0.42$0.29
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.08$0.39$0.32$0.17$0.14$0.03
2014Summary only. Only limited summary data is available for this year.$0.01$0.41$0.39$0.07$0.35$0.27
2013Summary only. Only limited summary data is available for this year.$0.05$0.06$0.01$0.02$0.01