Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
EIN 45-0640952 • 501(c)3 • Great Falls, MT
Profile
The mission is to increase economic opportunities and financial security of individuals and small businesses by providing safe and affordable financial products and development services.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
Liabilities / Revenue
62nd percentile
Tied with the lowest-debt nonprofits in its peer group.
Net Margin
8th percentile
Higher net margin than 8% of similar nonprofits.
Top Officer Pay
90th percentile
Higher top officer pay than 90% of similar nonprofits.
Top officer pay equals 48.1% of source-year revenue.
Asset Growth
10th percentile
Faster asset growth than 10% of similar nonprofits.
Revenue Growth
46th percentile
Faster revenue growth than 46% of similar nonprofits.
Assets
Down$0
Down $1,371,723 (-100%) from 2017
Liabilities
Down$0
Down $1,282,646 (-100%) from 2017
Net Assets
Down$0
Down $89,077 (-100%) from 2017
Revenue
Down$63,015
Down $4,190 (-6.2%) from 2017
Expenses
Up$157,897
Up $42,017 (+36%) from 2017
Net Income
Down-$94,882
Down $46,207 (-95%) from 2017
Most recent year
2018 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
The latest 2018 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2017 below.
The mission is to increase economic opportunities and financial security of individuals and small businesses by providing safe and affordable financial products and development services.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments in Publicly Traded Securities | $1,126,465 | $1,193,538 | ▲ $67,073 |
| Cash and Non-Interest-Bearing Accounts | $88,874 | $114,311 | ▲ $25,437 |
| Other Notes and Loans Receivable, Net | $59,888 | $63,874 | ▲ $3,986 |
| Total Assets | $1,275,227 | $1,371,723 | ▲ $96,496 |
| Liabilities | |||
| Other Liabilities | $1,195,785 | $1,265,785 | ▲ $70,000 |
| Accounts Payable and Accrued Expenses | $373 | $13,236 | ▲ $12,863 |
| Deferred Revenue | $18,838 | $3,625 | ▼ $15,213 |
| Total Liabilities | $1,214,996 | $1,282,646 | ▲ $67,650 |
| Net Assets / Fund Balance | |||
| Unrestricted Net Assets | $60,231 | $89,077 | ▲ $28,846 |
| Total Net Assets Fund Balance | $60,231 | $89,077 | ▲ $28,846 |
| Total Liabilities and Net Assets / Fund Balance | $1,275,227 | $1,371,723 | ▲ $96,496 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Melissa Darko | Executive Director | FT | $42,123 | $5,220 | $47,343 |
| Name | Title |
|---|---|
| Bill Beecher | Chair |
| Jane Weber | Vice Chair |
| Dave Fink | Director |
| Jennifer Lehman | Director |
| Kathy Laurin | Director |
| Maureen Rude | Director |
| Mike Demarco | Treasurer |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $81,063 |
| Other Expenses | $34,817 |
| Total Fundraising Expense | $685 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $47,343 | - | - | $47,343 |
| Other Salaries and Wages | $16,971 | $5,431 | $226 | $22,628 |
| Travel | $7,169 | $2,294 | $96 | $9,559 |
| Other Employee Benefits | $4,016 | $1,285 | $54 | $5,355 |
| Fees for Services Accounting | $3,844 | $1,230 | $51 | $5,125 |
| Payroll Taxes | $3,577 | $1,145 | $48 | $4,770 |
| Office Expenses | $2,861 | $915 | $37 | $3,813 |
| Pension Plan Contributions | $725 | $232 | $10 | $967 |
| All Other Expenses | $457 | $146 | $6 | $609 |
| Other Expenses | $443 | $142 | $6 | $591 |
| Total Functional Expenses | $98,746 | $16,449 | $685 | $115,880 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $115,880 |
| Total Expenses per Audited Statements | $115,880 |
| Total Expenses per Form 990 | $115,880 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Matl Loan Pool | $1,249,381 |
| Cdfi Loan Pool | $16,404 |
“Line 11a explanation - normally the board reviews the 990 at a board meeting preceeding the filing of the return.”
“The board conducts an annual review of the policy.”
“The executive committee performs the director's evaluation annually and recommends to the board any compensation changes. The executive director is responsible for the evaluations or coordinations of such evaluations of the organization's staff. Board reviews director and other key employees at least annually based on entity performance and related employee performance.”
“The 990 is avalable on the website and all other documents are available within a reasonable amount of time upon request.”
“No changes to the organization's oversight process during the tax year.”
“Rdi financial is a nonprofit organization as described in section 501(c)(3) of the internal revenue code and is exempt from federal and state income taxes.”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 373 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 13236 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | THE MISSION IS TO INCREASE ECONOMIC OPPORTUNITIES AND FINANCIAL SECURITY OF INDIVIDUALS AND SMALL BUSINESSES BY PROVIDING SAFE AND AFFORDABLE FINANCIAL PRODUCTS AND DEVELOPMENT SERVICES. |
| IRS990/AllOtherContributionsAmt | 0 | 15338 |
| IRS990/AllOtherExpensesGrp/FundraisingAmt | 0 | 6 |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 146 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 457 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 609 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | JENNIFER WEAR |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4067618721 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 2022 CENTRAL AVE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | GREAT FALLS |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MT |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 59401 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 88874 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 114311 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 47343 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 47343 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 1 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 15338 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 48579 |
| IRS990/CYOtherExpensesAmt | 0 | 34817 |
| IRS990/CYOtherRevenueAmt | 0 | 448 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 2840 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -48675 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 81063 |
| IRS990/CYTotalExpensesAmt | 0 | 115880 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 685 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 67205 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 18838 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 3625 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/Desc | 0 | THE MONTANA ASSISTIVE TECHNOLOGY LOAN PROGRAM HELPS MONTANANS WITH DISABILITIES FUND ASSISTIVE TECHNOLOGY DEVICES AND SERVICES. THERE WAS 5 NEW LOANS IN 2017 AS WELL AS 56 CREDIT BUILDERS LOANS AND 7 EMPLOYEE LOANS. |
| IRS990/DescribedInSection501c3Ind | 0 | 1 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 0 |
| IRS990/EmployeeCnt | 0 | 0 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990/ExpenseAmt | 0 | 98746 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/FundraisingAmt | 0 | 51 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 1230 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 3844 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 5125 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 5220 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | BILL BEECHER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | MIKE DEMARCO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JANE WEBER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | DAVE FINK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | KATHY LAURIN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | JENNIFER LEHMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | MAUREEN RUDE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | MELISSA DARKO |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 42123 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | EXECUTIVE DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 2015 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 67205 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 48579 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 48579 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 1126465 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 1193538 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LegalDomicileStateCd | 0 | MT |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LobbyingActivitiesInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 0 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | THE MISSION IS TO INCREASE ECONOMIC OPPORTUNITIES AND FINANCIAL SECURITY OF INDIVIDUALS AND SMALL BUSINESSES BY PROVIDING SAFE AND AFFORDABLE FINANCIAL PRODUCTS AND DEVELOPMENT SERVICES. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 60231 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 89077 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 77521 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OfficeExpensesGrp/FundraisingAmt | 0 | 37 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 915 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 2861 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 3813 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsSFAS117Ind | 0 | X |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 54 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 1285 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 4016 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 5355 |
| IRS990/OtherExpensesGrp/Desc | 0 | GRANT |
| IRS990/OtherExpensesGrp/Desc | 1 | COMPUTER PROCESSING |
| IRS990/OtherExpensesGrp/Desc | 2 | BANK CHARGES |
| IRS990/OtherExpensesGrp/Desc | 3 | DUES |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 125 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 1 | 16 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 2 | 10 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 3 | 6 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 3007 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 389 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 233 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 142 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 9398 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 1215 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 727 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 443 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 12530 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 1620 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 970 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 591 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 1195785 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 1265785 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 541990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | MISCELLANEOUS INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 448 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 448 |
| IRS990/OtherRevenueTotalAmt | 0 | 448 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 226 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 5431 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 16971 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 22628 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 59888 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 63874 |
| IRS990/OwnWebsiteInd | 0 | X |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 48 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 1145 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 3577 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 4770 |
| IRS990/PensionPlanContributionsGrp/FundraisingAmt | 0 | 10 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 232 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 725 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 967 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | TOM JACOBSON |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 541990 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | DEBTOR FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2840 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2840 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 45962 |
| IRS990/PYExcessBenefitTransInd | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 57007 |
| IRS990/PYOtherExpensesAmt | 0 | 60674 |
| IRS990/PYOtherRevenueAmt | 0 | 3756 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2713 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -45408 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 94172 |
| IRS990/PYTotalExpensesAmt | 0 | 154846 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 109438 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -48675 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 1 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 0 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 3288 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 15338 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt | 0 | 45962 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 133420 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 194720 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt | 0 | 27 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 57007 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 87256 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt | 0 | 144290 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 0.57440 |
| IRS990ScheduleA/PublicSupportPY170Pct | 0 | 0.55430 |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 194720 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind | 0 | X |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 15338 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt | 0 | 45962 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 133420 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 194720 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 339010 |
| IRS990/ScheduleBRequiredInd | 0 | 1 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 115880 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | 77521 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 1249381 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 16404 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MATL LOAN POOL |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | CDFI LOAN POOL |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 77521 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 67205 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | RDI FINANCIAL IS A NONPROFIT ORGANIZATION AS DESCRIBED IN SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE AND IS EXEMPT FROM FEDERAL AND STATE INCOME TAXES. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 0 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 115880 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 1265785 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 67205 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 144726 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 115880 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | LINE 11A EXPLANATION - NORMALLY THE BOARD REVIEWS THE 990 AT A BOARD MEETING PRECEEDING THE FILING OF THE RETURN. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE BOARD CONDUCTS AN ANNUAL REVIEW OF THE POLICY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE EXECUTIVE COMMITTEE PERFORMS THE DIRECTOR'S EVALUATION ANNUALLY AND RECOMMENDS TO THE BOARD ANY COMPENSATION CHANGES. THE EXECUTIVE DIRECTOR IS RESPONSIBLE FOR THE EVALUATIONS OR COORDINATIONS OF SUCH EVALUATIONS OF THE ORGANIZATION'S STAFF. BOARD REVIEWS DIRECTOR AND OTHER KEY EMPLOYEES AT LEAST ANNUALLY BASED ON ENTITY PERFORMANCE AND RELATED EMPLOYEE PERFORMANCE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE 990 IS AVALABLE ON THE WEBSITE AND ALL OTHER DOCUMENTS ARE AVAILABLE WITHIN A REASONABLE AMOUNT OF TIME UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | NO CHANGES TO THE ORGANIZATION'S OVERSIGHT PROCESS DURING THE TAX YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION B, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990 PART XII, LINCE 2C |
| IRS990ScheduleR/AssetExchangeInd | 0 | 0 |
| IRS990ScheduleR/AssetPurchaseFromOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/AssetSaleToOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/DivRelatedOrganizationInd | 0 | 0 |
| IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd | 0 | 0 |
| IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd | 0 | 0 |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd | 0 | 0 |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd | 0 | N/A |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt | 0 | RURAL DYNAMICS INC |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN | 0 | 810303443 |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt | 0 | 501(C)(3) |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd | 0 | MT |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt | 0 | CREDIT COUNSELING SERVICE |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt | 0 | LINE 7 |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt | 0 | 2022 CENTRAL AVENUE |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm | 0 | GREAT FALLS |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd | 0 | MT |
| IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd | 0 | 59401 |
| IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd | 0 | 0 |
| IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/PaidEmployeesSharingInd | 0 | 0 |
| IRS990ScheduleR/PerformOfServicesByOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/PerformOfServicesForOthOrgInd | 0 | 0 |
| IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd | 0 | 0 |
| IRS990ScheduleR/ReimbursementPaidByOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/ReimbursementPaidToOtherOrgInd | 0 | 1 |
| IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd | 0 | 0 |
| IRS990ScheduleR/RentalOfFcltsFromOthOrgInd | 0 | 0 |
| IRS990ScheduleR/SharingOfFacilitiesInd | 0 | 1 |
| IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt | 0 | 81062 |
| IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt | 0 | DIRECT EXPENSES |
| IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt | 0 | RURAL DYNAMICS INC |
| IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt | 0 | P |
| IRS990ScheduleR/TransferFromOtherOrgInd | 0 | 0 |
| IRS990ScheduleR/TransferToOtherOrgInd | 0 | 0 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
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| IRS990/TotalAssetsEOYAmt | 0 | 1371723 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 1275227 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 1371723 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 15338 |
| IRS990/TotalEmployeeCnt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 685 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 16449 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 98746 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 115880 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 1214996 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 1282646 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 1214996 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 1282646 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 60231 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 89077 |
| IRS990/TotalOtherCompensationAmt | 0 | 5220 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 98746 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 2840 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 42123 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 48579 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3288 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 67205 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 7 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 1275227 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 1371723 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/FundraisingAmt | 0 | 96 |
| IRS990/TravelGrp/ManagementAndGeneralAmt | 0 | 2294 |
| IRS990/TravelGrp/ProgramServicesAmt | 0 | 7169 |
| IRS990/TravelGrp/TotalAmt | 0 | 9559 |
| IRS990/TrnsfrExmptNonChrtblRltdOrgInd | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
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