Civic Intelligence

Rdi Financial Inc

990 • Fiscal year 2018 • EIN 45-0640952

Jan 01, 2018 to Dec 31, 2018 • Filed on Mar 13, 2019

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

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2018

Liabilities / Revenue

56th percentile

0.00x

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

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

Net Margin

4th percentile

-151%

Higher net margin than 4% of similar nonprofits.

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

Top Officer Pay

87th percentile

$30,322

Higher top officer pay than 87% of similar nonprofits.

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

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

Asset Growth

2nd percentile

-100%

Faster asset growth than 2% of similar nonprofits.

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

Revenue Growth

39th percentile

-6.2%

Faster revenue growth than 39% of similar nonprofits.

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

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $1,371,723 (-100%) from 2017

Net Assets

Down

$0

Down $89,077 (-100%) from 2017

Liabilities

Down

$0

Down $1,282,646 (-100%) from 2017

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin4th percentile

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

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

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

2018

Assets$0
Liabilities$0
Net Assets$0
Open 2018 Filing

Operations Trend

Revenue Growth39th percentile

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

2018

Revenue$63,015
Expenses$157,897
Net Income-$94,882
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Mar 13, 2019
Return Version
2018v3.1
Gross Receipts
$63,015
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$1,193,538$0▼ $1,193,538
Cash and Non-Interest-Bearing Accounts$114,311$0▼ $114,311
Other Notes and Loans Receivable, Net$63,874$0▼ $63,874
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$1,371,723$0▼ $1,371,723
Other Assets Total-$0-
Liabilities
Other Liabilities$1,265,785$0▼ $1,265,785
Accounts Payable and Accrued Expenses$13,236$0▼ $13,236
Deferred Revenue$3,625$0▼ $3,625
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$1,282,646$0▼ $1,282,646
Net Assets / Fund Balance
Unrestricted Net Assets$89,077$0▼ $89,077
Total Net Assets Fund Balance$89,077$0▼ $89,077
Total Liabilities and Net Assets / Fund Balance$1,371,723$0▼ $1,371,723
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Melissa DarkoExecutive DirectorFT$27,864$2,458$30,322

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$16,267
Program Service Revenue
$3,295
Investment Income
$38,195
Other Revenue
$5,258
All Other Contributions
$16,267
Change in Net Assets
$-94,882
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$123,871
Salaries, Compensation, and Employee Benefits$34,026
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees-$30,322-$30,322
Office Expenses-$8,913-$8,913
Advertising-$6,432-$6,432
Information Technology$1,638$4,000-$5,638
Insurance-$2,394-$2,394
Payroll Taxes-$2,325-$2,325
All Other Expenses$551$560-$1,111
Travel$333$633-$966
Other Salaries and Wages-$806-$806
Pension Plan Contributions-$573-$573
Other Expenses$500$420-$420
Total Functional Expenses$13,544$144,353$0$157,897
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
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
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 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
2019-03-13
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
0

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 XI, LINE 9:

“Transfer of net assets to greenpath 5,805.”

Raw XML AppendixShowing 400 of 479 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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IRS990ScheduleN/LiabilitiesPaidInd01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0CASH
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc1NOTES RECEIVABLE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc2INVESTMENTS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0GREENPATH FINANCIAL WELLNESS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt1GREENPATH FINANCIAL WELLNESS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt2GREENPATH FINANCIAL WELLNESS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02018-05-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt12018-06-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt22018-06-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0386142925
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN1386142925
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN2386142925
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt076513
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt1108066
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt21153014
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(3)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt1501(C)(3)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt2501(C)(3)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0VALUE AND BALANCE AT DATE OF TRANSFER
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt1VALUE AND BALANCE AT DATE OF TRANSFER
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt2VALUE AND BALANCE AT DATE OF TRANSFER
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt02022 CENTRAL AVE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt12022 CENTRAL AVE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt22022 CENTRAL AVE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0GREAT FALLS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm1GREAT FALLS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm2GREAT FALLS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0MT
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd1MT
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd2MT
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd059401
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd159401
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd259401
IRS990ScheduleN/OwnerOfSuccessor2Ind00
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensation2Ind00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd01
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0PERSON(S) INVOLVED: RDI FINANCIAL
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1EXPLANATION OF INVOLVEMENT: EFFECTIVE 5/31/18, RDI FINANCIAL CEASED OPERATIONS AND BECAME FULLY MERGED WITH GREENPATH, INC.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0PART II, LINE 2E:
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1PART II, LINE 2E:
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/ExplanationTxt4TRANSFER OF NET ASSETS TO GREENPATH 5,805.
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 XI, LINE 9:
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/InvolvedAmt044000
IRS990ScheduleR/TransactionsRelatedOrgGrp/MethodOfAmountDeterminationTxt0DIRECT EXPENSES
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0RURAL DYNAMICS INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0P
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt01371723
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt01371723

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$63,015
Expenses
$157,897
Net income
-$94,882
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$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