Civic Intelligence

Rdi Financial Inc

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.

2022 Central AvenueGreat Falls, MT 59401

ruraldynamics.org/RDI-FINANCIAL

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2018

Liabilities / Revenue

62nd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2018

Net Margin

8th percentile

-151%

Higher net margin than 8% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Top Officer Pay

90th percentile

$30,322

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 48.1% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2018

Asset Growth

10th percentile

-100%

Faster asset growth than 10% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

46th percentile

-6.2%

Faster revenue growth than 46% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

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

Trend Graphs

Balance Sheet Trend

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

$1.5M$1.0M$500K$0Assets 2015: $1,079,448Liabilities 2015: $987,078Net Assets 2015: $92,3702015Assets 2016: $1,275,227Liabilities 2016: $1,214,996Net Assets 2016: $60,2312016Assets 2017: $1,371,723Liabilities 2017: $1,282,646Net Assets 2017: $89,0772017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2018

Assets$0
Liabilities$0
Net Assets$0

Operations Trend

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

$300K$200K$100K$0-$100KRevenue 2015: $224,436Expenses 2015: $124,771Net Income 2015: $99,6652015Revenue 2016: $109,438Expenses 2016: $154,846Net Income 2016: -$45,4082016Revenue 2017: $67,205Expenses 2017: $115,880Net Income 2017: -$48,6752017Revenue 2018: $63,015Expenses 2018: $157,897Net Income 2018: -$94,8822018

Highlighted filing

2018

Revenue$63,015
Expenses$157,897
Net Income-$94,882

Filings

Latest Detailed Filing

The latest 2018 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2017 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jul 5, 2018
Return Version
2017v2.3
Gross Receipts
$67,205
Mission and Program Overview

Mission

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.

Balance Sheet Detail
LineBeginningEndChange
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
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Melissa DarkoExecutive DirectorFT$42,123$5,220$47,343

Board Members and Trustees

NameTitle
Bill BeecherChair
Jane WeberVice Chair
Dave FinkDirector
Jennifer LehmanDirector
Kathy LaurinDirector
Maureen RudeDirector
Mike DemarcoTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$15,338
Program Service Revenue
$2,840
Investment Income
$48,579
Other Revenue
$448
All Other Contributions
$15,338
Change in Net Assets
$-48,675

Audited Revenue Reconciliation

Revenue per Audited Statements
$67,205
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$77,521
Total Revenue per Audited Statements
$144,726
Total Revenue per Form 990
$67,205
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
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

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
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

Audited Expense Reconciliation

Line ItemAmount
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
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Matl Loan Pool$1,249,381
Cdfi Loan Pool$16,404
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 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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

Line 11a explanation - normally the board reviews the 990 at a board meeting preceeding the filing of the return.

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

The board conducts an annual review of the policy.

Form 990, Part VI, Section B, Line 15A

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.

Form 990, Part VI, Section C, Line 19

The 990 is avalable on the website and all other documents are available within a reasonable amount of time upon request.

Filing and Contact Details

Filer

Filer Name
Rdi Financial Inc
EIN
45-0640952
Phone
4064545722
Address
2022 CENTRAL AVENUE, GREAT FALLS, MT 59401

Signing Officer

Name
Tom Jacobson
Title
Executive Director
Phone
4064545722
Signed
2018-07-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tom Jacobson
Formed
2015
Legal Domicile
Mt
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
7

Preparer

Firm
Anderson Zurmuehlen & Co Pc
Address
21 10TH STREET SOUTH, GREAT FALLS, MT 59401
Preparer
Richard Reisig
Phone
4067270888
Supplemental Narrative

Additional Explanations

Form 990 Part XII, Lince 2C

No changes to the organization's oversight process during the tax year.

Financial Statement Notes

PART X, LINE 2:

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.

Raw XML AppendixShowing 400 of 446 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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt116404
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MATL LOAN POOL
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CDFI LOAN POOL
IRS990ScheduleD/RevenueNotReportedAmt077521
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt067205
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0RDI 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/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt0115880
IRS990ScheduleD/TotalLiabilityAmt01265785
IRS990ScheduleD/TotalRevenuePerForm990Amt067205
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0144726
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0115880
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0LINE 11A EXPLANATION - NORMALLY THE BOARD REVIEWS THE 990 AT A BOARD MEETING PRECEEDING THE FILING OF THE RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD CONDUCTS AN ANNUAL REVIEW OF THE POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 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/ExplanationTxt3THE 990 IS AVALABLE ON THE WEBSITE AND ALL OTHER DOCUMENTS ARE AVAILABLE WITHIN A REASONABLE AMOUNT OF TIME UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NO CHANGES TO THE ORGANIZATION'S OVERSIGHT PROCESS DURING THE TAX YEAR.
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 B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990 PART XII, LINCE 2C
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0RURAL DYNAMICS INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0810303443
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)(3)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0MT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0CREDIT COUNSELING SERVICE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0LINE 7
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt02022 CENTRAL AVENUE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0GREAT FALLS
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0MT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd059401
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd01
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd01
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt081062
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0DIRECT EXPENSES
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0RURAL DYNAMICS INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0P
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01275227
IRS990/TotalAssetsEOYAmt01371723
IRS990/TotalAssetsGrp/BOYAmt01275227
IRS990/TotalAssetsGrp/EOYAmt01371723
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt015338
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt0685
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt016449
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt098746
IRS990/TotalFunctionalExpensesGrp/TotalAmt0115880
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01214996
IRS990/TotalLiabilitiesEOYAmt01282646
IRS990/TotalLiabilitiesGrp/BOYAmt01214996
IRS990/TotalLiabilitiesGrp/EOYAmt01282646
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt060231
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt089077
IRS990/TotalOtherCompensationAmt05220
IRS990/TotalProgramServiceExpensesAmt098746
IRS990/TotalProgramServiceRevenueAmt02840
IRS990/TotalReportableCompFromOrgAmt042123
IRS990/TotalRevenueGrp/ExclusionAmt048579
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03288
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt067205
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01275227
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01371723
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/FundraisingAmt096
IRS990/TravelGrp/ManagementAndGeneralAmt02294
IRS990/TravelGrp/ProgramServicesAmt07169
IRS990/TravelGrp/TotalAmt09559
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00

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