Civic Intelligence

Twin Cities-Metro Certified Development

EIN 41-1672450 • 501(c)4 • Vadnais Heights, MN

View Organization Page

Profile

To stimulate private sector investment by providing funding for small business expansions in minnesota and western wisconsin through the utilization of the small business administration's 504 loan program.

3495 Vadnais Center DriveVadnais Heights, MN 55110

www.504lending.com

Siviq Scores

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

Liabilities / Assets

81st percentile

0.44x

Higher debt load relative to assets than 81% of similar nonprofits.

501(c)4 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

83rd percentile

0.83x

Higher debt load relative to revenue than 83% of similar nonprofits.

501(c)4 • $5M-$10M nonprofits • Source year 2025

Net Margin

27th percentile

-0.6%

Higher net margin than 27% of similar nonprofits.

501(c)4 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

35th percentile

1.2%

Faster asset growth than 35% of similar nonprofits.

501(c)4 • $5M-$10M nonprofits • Annualized from 2023 to 2025

Revenue Growth

52nd percentile

8.7%

Faster revenue growth than 52% of similar nonprofits.

501(c)4 • $5M-$10M nonprofits • Annualized from 2023 to 2025

Balance Sheet
Liabilities / Assets81st percentile

Assets

Up

$7,493,854

Up $64,670 (+0.9%) from 2024

Liabilities

Up

$3,277,002

Up $86,387 (+2.7%) from 2024

Net Assets

Down

$4,216,852

Down $21,717 (-0.5%) from 2024

Operations
Liabilities / Revenue83rd percentileNet Margin27th percentile

Revenue

Up

$3,938,336

Up $338,189 (+9.4%) from 2024

Expenses

Up

$3,960,053

Up $277,550 (+7.5%) from 2024

Net Income

Up

-$21,717

Up $60,639 (+74%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $6,034,904Liabilities 2010: $4,448,026Net Assets 2010: $1,586,8782010Assets 2011: $5,105,533Liabilities 2011: $3,926,052Net Assets 2011: $1,179,4812011Assets 2012: $5,208,212Liabilities 2012: $3,264,543Net Assets 2012: $1,943,6692012Assets 2013: $4,962,688Liabilities 2013: $2,864,485Net Assets 2013: $2,098,2032013Assets 2014: $4,400,101Liabilities 2014: $1,926,444Net Assets 2014: $2,473,6572014Assets 2015: $4,527,475Liabilities 2015: $1,635,847Net Assets 2015: $2,891,6282015Assets 2016: $4,932,830Liabilities 2016: $1,988,798Net Assets 2016: $2,944,0322016Assets 2017: $5,129,146Liabilities 2017: $1,981,533Net Assets 2017: $3,147,6132017Assets 2018: $5,181,648Liabilities 2018: $1,980,419Net Assets 2018: $3,201,2292018Assets 2019: $5,607,845Liabilities 2019: $2,196,929Net Assets 2019: $3,410,9162019Assets 2020: $5,904,729Liabilities 2020: $2,144,244Net Assets 2020: $3,760,4852020Assets 2021: $6,544,135Liabilities 2021: $2,200,547Net Assets 2021: $4,343,5882021Assets 2022: $7,176,468Liabilities 2022: $2,601,399Net Assets 2022: $4,575,0692022Assets 2023: $7,320,907Liabilities 2023: $2,999,982Net Assets 2023: $4,320,9252023Assets 2024: $7,429,184Liabilities 2024: $3,190,615Net Assets 2024: $4,238,5692024Assets 2025: $7,493,854Liabilities 2025: $3,277,002Net Assets 2025: $4,216,8522025

Highlighted filing

2025

Assets$7,493,854
Liabilities$3,277,002
Net Assets$4,216,852
Open 2025 Filing

Operations Trend

Revenue Growth52nd percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $5,408,1262010Expenses 2011: $3,073,8972011Expenses 2012: $2,201,1612012Revenue 2013: $3,048,020Expenses 2013: $2,893,486Net Income 2013: $154,5342013Revenue 2014: $2,888,862Expenses 2014: $2,513,408Net Income 2014: $375,4542014Revenue 2015: $2,778,785Expenses 2015: $2,360,814Net Income 2015: $417,9712015Revenue 2016: $2,528,618Expenses 2016: $2,476,214Net Income 2016: $52,4042016Revenue 2017: $2,837,122Expenses 2017: $2,633,541Net Income 2017: $203,5812017Revenue 2018: $2,670,362Expenses 2018: $2,616,746Net Income 2018: $53,6162018Revenue 2019: $3,074,278Expenses 2019: $2,864,591Net Income 2019: $209,6872019Revenue 2020: $3,357,156Expenses 2020: $3,007,587Net Income 2020: $349,5692020Revenue 2021: $3,126,535Expenses 2021: $2,904,521Net Income 2021: $222,0142021Revenue 2022: $3,463,785Expenses 2022: $3,232,304Net Income 2022: $231,4812022Revenue 2023: $3,331,044Expenses 2023: $3,585,188Net Income 2023: -$254,1442023Revenue 2024: $3,600,147Expenses 2024: $3,682,503Net Income 2024: -$82,3562024Revenue 2025: $3,938,336Expenses 2025: $3,960,053Net Income 2025: -$21,7172025

Highlighted filing

2025

Revenue$3,938,336
Expenses$3,960,053
Net Income-$21,717
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,493,854
Liabilities
$3,277,002
Net assets
$4,216,852
Revenue
$3,938,336
Expenses
$3,960,053
Net income
-$21,717
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$7.49$3.28$4.22$3.94$3.96$0.02
2024Detailed filing. Detailed filing data is available for this year.$7.43$3.19$4.24$3.60$3.68$0.08
2023Detailed filing. Detailed filing data is available for this year.$7.32$3.00$4.32$3.33$3.59$0.25
2022Detailed filing. Detailed filing data is available for this year.$7.18$2.60$4.58$3.46$3.23$0.23
2021Detailed filing. Detailed filing data is available for this year.$6.54$2.20$4.34$3.13$2.90$0.22
2020Detailed filing. Detailed filing data is available for this year.$5.90$2.14$3.76$3.36$3.01$0.35
2019Detailed filing. Detailed filing data is available for this year.$5.61$2.20$3.41$3.07$2.86$0.21
2018Detailed filing. Detailed filing data is available for this year.$5.18$1.98$3.20$2.67$2.62$0.05
2017Detailed filing. Detailed filing data is available for this year.$5.13$1.98$3.15$2.84$2.63$0.20
2016Detailed filing. Detailed filing data is available for this year.$4.93$1.99$2.94$2.53$2.48$0.05
2015Detailed filing. Detailed filing data is available for this year.$4.53$1.64$2.89$2.78$2.36$0.42
2014Detailed filing. Detailed filing data is available for this year.$4.40$1.93$2.47$2.89$2.51$0.38
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.96$2.86$2.10$3.05$2.89$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.21$3.26$1.94$2.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.11$3.93$1.18$3.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.03$4.45$1.59$5.41
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2024 to Sep 30, 2025
Signed
Jan 20, 2026
Return Version
2024v5.5
Gross Receipts
$3,938,336
Mission and Program Overview

Mission

To stimulate private sector investment by providing funding for small business expansions in minnesota and western wisconsin through the utilization of the small business administration's 504 loan program.

Administer sba 504 loan program within minnesota and western wisconsin.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$4,905,236$4,934,059▲ $28,823
Land, Buildings, and Equipment, Net$1,148,656$1,110,281▼ $38,375
Accounts Receivable$1,017,728$1,057,264▲ $39,536
Cash and Non-Interest-Bearing Accounts$18,591$62,893▲ $44,302
Prepaid Expenses and Deferred Charges$20,333$42,985▲ $22,652
Total Assets$7,429,184$7,493,854▲ $64,670
Other Assets Total$318,640$286,372▼ $32,268
Liabilities
Other Liabilities$2,023,749$2,200,724▲ $176,975
Accounts Payable and Accrued Expenses$1,166,866$1,076,278▼ $90,588
Total Liabilities$3,190,615$3,277,002▲ $86,387
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$4,238,569$4,216,852▼ $21,717
Total Net Assets Fund Balance$4,238,569$4,216,852▼ $21,717
Total Liabilities and Net Assets / Fund Balance$7,429,184$7,493,854▲ $64,670

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$704,373$674,104$1,378,477
Land$401,533-$401,533
Equipment$4,375$122,854$127,229
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Pete IngebrandPresidentFT$245,111$85,823$330,934
Deborah Gustafson - SeniorLender/senior Vice PresidentFT$206,396$103,301$309,697
Sheil NelsonSenior LenderFT$189,464$81,105$270,569
Paul Lambert - SecretarySenior Vice PresidentFT$160,884$88,446$249,330
Michael KinningerLoan OfficerFT$150,452$43,109$193,561
Michael KindermanLoan OfficerFT$133,826$29,679$163,505
Melissa MillerLoan OfficerFT$124,266$36,425$160,691
Jim LouwagieBoard Member/chair-$5,835-$5,835
Kevin Maas - Board MemberTreasurer/secretary-$4,875-$4,875
David WasmuthBoard Member-$3,620-$3,620
Royce NelliganBoard Member-$3,515-$3,515
Jonathan DolphinBoard Member-$3,480-$3,480
Dennis WelchBoard Member-$3,270-$3,270
Levi SmithBoard Member-$2,050-$2,050
Brad BeneshBoard Member-$1,840-$1,840
Shelley PetersonBoard Member-$1,805-$1,805
Mike SchollBoard Member-$1,770-$1,770
Steve PowellBoard Member-$1,735-$1,735
Bryan ToftBoard Member-$1,665-$1,665
Mike BrassBoard Member-$1,665-$1,665

Board Members and Trustees

NameTitle
Deborah Malmberg SmithBoard Member
Kate CrowBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,752,084
Investment Income
$172,558
Other Revenue
$13,694
Change in Net Assets
$-21,717

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,938,336
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$3,938,336
Total Revenue per Form 990
$3,938,336
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$3,174,870
Other Expenses$685,183
Grants and Similar Amounts Paid$100,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,898,754$73,335-$1,972,089
Current Officers, Directors, Trustees, and Key Employees$291,928$373,305-$665,233
Other Employee Benefits$294,309$20,798-$315,107
Payroll Taxes$143,558$25,533-$169,091
Office Expenses$102,780$10,290-$113,070
Conferences and Meetings$98,497$10,581-$109,078
Grants to Domestic Orgs$100,000--$100,000
Occupancy$88,151$8,825-$96,976
Fees for Services Other$40,253$55,391-$95,644
Fees for Services Legal$53,300$63-$53,363
Pension Plan Contributions$52,027$1,323-$53,350
Depreciation Depletion$34,883$3,492-$38,375
Insurance$29,700$2,980-$32,680
Information Technology$29,481--$29,481
Fees for Services Accounting-$20,500-$20,500
Advertising$16,488--$16,488
Other Expenses$11,041$1,186-$12,227
Total Functional Expenses$3,328,951$631,102$0$3,960,053

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,960,053
Total Expenses per Audited Statements$3,960,053
Total Expenses per Form 990$3,960,053
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Metropolitan Consortium of Community DevelopersMinneapolis, MN501(c)(3)General Operating Grant$25,000
Metropolitan Economic Development AssociationMinneapolis, MN501(c)(3)General Operating Grant$25,000
Neighborhood Development CenterSaint Paul, MN501(c)(3)General Operating Grant$25,000
Women VentureSt Paul, MN501(c)(3)General Operating Grant$15,000
St Croix Economic Development CorporationHudson, WI501(c)(3)General Operating Grant$10,000
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deferred Compensation Plan$2,200,724
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
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 audit committee and management perform a detailed review of the 990 return prior to its finalization. Once the audit committe approves the 990 for filing, the board of directors ratifies the action. The board of directors is provided a draft of the 990 return prior to ratification.”

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

“The conflict of interest policy is monitored and enforced on an ongoing basis. Board members are required to disclose conflicts of interest prior to voting on matters and must then abstain from voting if they have a conflict of interest. The board minutes note the board members who abstained from voting due to a conflict of interest.”

Form 990, Part VI, Section B, Line 15

“The executive committee reviews and approves the compensation package for the president/executive director and all staff members of the corporation. The compensation packages are evaluated based on industry compensation surveys, 990 comparisons, and analysis of existing economic conditions affecting the local employment market.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Twin Cities-metro Certified Development
EIN
41-1672450
Phone
6514818081
Address
3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN 55110

Signing Officer

Name
Peter D Ingebrand
Title
President
Phone
6514818081
Signed
2026-01-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Peter D Ingebrand
Formed
1990
Legal Domicile
Mn
Voting Board Members
15
Independent Board Members
15
Employees
17
Volunteers
0

Preparer

Firm
Akins Henke and Company
Address
600 INWOOD AVENUE NORTH SUITE 140, OAKDALE, MN 55128
Preparer
Chris Henke
Phone
6516363806
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“Twin cities-metro is classified as a tax-exempt organization under section 501(c)(4) of the internal revenue code and related state statutes. U.s. Gaap requires management to evaluate tax positions taken by twin cities-metro and recognize a tax liability if twin cities-metro has taken an uncertain position that more likely than not would not be sustained upon examination by the irs. Management has analyzed the tax positions taken by twin cities-metro and has concluded that as of september 30, 2025, there are no uncertain positions taken or expected to be taken that would require recognition of a liability or disclosure in the financial statements.”

Raw XML AppendixShowing 400 of 678 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/Desc0TO STIMULATE PRIVATE SECTOR INVESTMENT BY PROVIDING FUNDING FOR SMALL BUSINESS EXPANSIONS IN MINNESOTA AND WESTERN WISCONSIN THROUGH THE UTILIZATION OF THE SMALL BUSINESS ADMINISTRATION'S 504 LOAN PROGRAM. BUSINESSES ARE ELIGIBLE FOR THE LOANS BASED ON THEIR PURCHASE OF FIXED ASSETS, PRIMARILY REAL ESTATE, FOR THEIR BUSINESS USE. THE ELIGIBLE BUSINESSES SHOULD RETAIN AND CREATE AT LEAST ONE JOB FOR EVERY $90,000 (OR $140,000 FOR SMALL MANUFACTURERS) IN SBA GUARANTEED FUNDS OR MEET A PUBLIC POLICY GOAL AS DICTATED BY THE SBA. THE ORGANIZATION HAD 55 LOAN APPROVALS AND 51 LOAN FUNDINGS FOR APPROXIMATELY $55.7 MILLION DURING FISCAL YEAR 2025. IT IS ANTICIPATED THAT WITHIN TWO YEARS OF FUNDING, 513 JOBS WILL BE CREATED AND/OR RETAINED AS A RESULT OF THESE LOANS.
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