Civic Intelligence

Rdi Financial Inc

990 • Fiscal year 2015 • EIN 45-0640952

Jan 01, 2015 to Dec 31, 2015 • Filed on Jul 01, 2016

Organization ProfileRURALDYNAMICS.ORG/RDI-FINANCIAL
2022 Central AvenueGreat Falls, MT 59401

(406) 454-5722

Siviq Scores

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

Liabilities / Assets

89th percentile

0.91x

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

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

94th percentile

4.40x

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

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Net Margin

90th percentile

44%

Higher net margin than 90% of similar nonprofits.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

52nd percentile

$66,571

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 29.7% of source-year revenue.

2015 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2015

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2015

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2015

Balance Sheet
Liabilities / Assets89th percentile

Assets

$1,079,448

No earlier filing loaded for comparison.

Net Assets

$92,370

No earlier filing loaded for comparison.

Liabilities

$987,078

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin90th percentile

Revenue

$224,436

No earlier filing loaded for comparison.

Expenses

$124,771

No earlier filing loaded for comparison.

Net Income

$99,665

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$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

2015

Assets$1,079,448
Liabilities$987,078
Net Assets$92,370
Open 2015 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2015

Revenue$224,436
Expenses$124,771
Net Income$99,665
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 1, 2016
Return Version
2015v2.1
Gross Receipts
$224,436
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-$875,668-
Cash and Non-Interest-Bearing Accounts-$169,270-
Other Notes and Loans Receivable, Net-$34,010-
Pledges and Grants Receivable-$500-
Total Assets$0$1,079,448▲ $1,079,448
Liabilities
Other Liabilities$0$943,360▲ $943,360
Deferred Revenue-$33,685-
Accounts Payable and Accrued Expenses-$10,033-
Total Liabilities$0$987,078▲ $987,078
Net Assets / Fund Balance
Unrestricted Net Assets-$92,370-
Total Net Assets Fund Balance$0$92,370▲ $92,370
Total Liabilities and Net Assets / Fund Balance$0$1,079,448▲ $1,079,448
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Karen HeislerExecutive DirectorFT$59,351$7,220$66,571

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$133,420
Program Service Revenue
$2,868
Investment Income
$87,256
Other Revenue
$892
All Other Contributions
$43,627
Change in Net Assets
$99,665

Audited Revenue Reconciliation

Revenue per Audited Statements
$224,436
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-7,295
Total Revenue per Audited Statements
$217,141
Total Revenue per Form 990
$224,436
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$80,514
Other Expenses$44,257
Total Fundraising Expense$582
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$66,571--$66,571
Travel$6,102$1,953$81$8,136
Office Expenses$4,479$1,433$60$5,972
Payroll Taxes$3,668$1,174$49$4,891
Other Employee Benefits$3,410$1,091$45$4,546
Fees for Services Accounting$2,944$942$39$3,925
Pension Plan Contributions$2,479$793$33$3,305
Other Expenses$2,049$656$27$2,732
All Other Expenses$1,746$559$23$2,328
Comp Disqual Persons$901$288$12$1,201
Total Functional Expenses$110,221$13,968$582$124,771

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$124,771
Total Expenses per Audited Statements$124,771
Total Expenses per Form 990$124,771
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$939,631
Cdfi Loan Pool$3,729
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11

“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
2016-07-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tom Jacobson
Formed
2015
Legal Domicile
Mt
Voting Board Members
8
Independent Board Members
8
Employees
0
Volunteers
0

Preparer

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

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. With few exceptions, rdi financial is no longer subject to examinations by federal tax authorities for years before 2012.”

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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/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. WITH FEW EXCEPTIONS, RDI FINANCIAL IS NO LONGER SUBJECT TO EXAMINATIONS BY FEDERAL TAX AUTHORITIES FOR YEARS BEFORE 2012.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalExpensesPerForm990Amt0124771
IRS990ScheduleD/TotalLiabilityAmt0943360
IRS990ScheduleD/TotalRevenuePerForm990Amt0224436
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0217141
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0124771
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/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11
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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsEOYAmt01079448
IRS990/TotalAssetsGrp/BOYAmt00
IRS990/TotalAssetsGrp/EOYAmt01079448
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0133420
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt0582
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt013968
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0110221
IRS990/TotalFunctionalExpensesGrp/TotalAmt0124771
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesEOYAmt0987078
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt0987078
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt092370
IRS990/TotalOtherCompensationAmt07220
IRS990/TotalProgramServiceExpensesAmt0110221
IRS990/TotalProgramServiceRevenueAmt02868
IRS990/TotalReportableCompFromOrgAmt059351
IRS990/TotalRevenueGrp/ExclusionAmt087256
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03760
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0224436
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01079448
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/FundraisingAmt081
IRS990/TravelGrp/ManagementAndGeneralAmt01953
IRS990/TravelGrp/ProgramServicesAmt06102
IRS990/TravelGrp/TotalAmt08136
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/EOYAmt092370
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02022 CENTRAL AVE
IRS990/USAddress/CityNm0GREAT FALLS
IRS990/USAddress/StateAbbreviationCd0MT
IRS990/USAddress/ZIPCd059401
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0HTTP://RURALDYNAMICS.ORG/RDI-FINANCIAL/
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TOM JACOBSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum04064545722
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-07-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RDI FINANCIAL INC
ReturnHeader/Filer/BusinessNameControlTxt0RDIF
ReturnHeader/Filer/EIN0450640952
ReturnHeader/Filer/PhoneNum04064545722
ReturnHeader/Filer/USAddress/AddressLine1Txt02022 CENTRAL AVENUE
ReturnHeader/Filer/USAddress/CityNm0GREAT FALLS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MT
ReturnHeader/Filer/USAddress/ZIPCd059401
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810385940
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ANDERSON ZURMUEHLEN & CO PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt021 10TH STREET SOUTH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0GREAT FALLS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd059401
ReturnHeader/PreparerPersonGrp/PhoneNum04067270888
ReturnHeader/PreparerPersonGrp/PreparationDt02016-07-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RICHARD REISIG
ReturnHeader/ReturnTs02016-07-08T12:08:52-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,079,448
Liabilities
$987,078
Net assets
$92,370
Revenue
$224,436
Expenses
$124,771
Net income
$99,665
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.06$0.16$0.09
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.37$1.28$0.09$0.07$0.12$0.05
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.28$1.21$0.06$0.11$0.15$0.05
2015Detailed filing. Detailed filing data is available for this year.$1.08$0.99$0.09$0.22$0.12$0.10
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)3 • $1M-$5M nonprofits