Civic Intelligence

Rdi Financial Inc

990 • Fiscal year 2016 • EIN 45-0640952

Jan 01, 2016 to Dec 31, 2016 • Filed on Jan 11, 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

90th percentile

0.95x

Higher debt load relative to assets than 90% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

98th percentile

11.10x

Higher debt load relative to revenue than 98% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Net Margin

8th percentile

-41%

Higher net margin than 8% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

41st percentile

$37,314

Higher top officer pay than 41% of similar nonprofits.

Top officer pay equals 34.1% of source-year revenue.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Asset Growth

81st percentile

18%

Faster asset growth than 81% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

5th percentile

-51%

Faster revenue growth than 5% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$1,275,227

Up $195,779 (+18%) from 2015

Net Assets

Down

$60,231

Down $32,139 (-35%) from 2015

Liabilities

Up

$1,214,996

Up $227,918 (+23%) from 2015

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin8th percentile

Revenue

Down

$109,438

Down $114,998 (-51%) from 2015

Expenses

Up

$154,846

Up $30,075 (+24%) from 2015

Net Income

Down

-$45,408

Down $145,073 (-146%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth81st 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

2016

Assets$1,275,227
Liabilities$1,214,996
Net Assets$60,231
Open 2016 Filing

Operations Trend

Revenue Growth5th 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

2016

Revenue$109,438
Expenses$154,846
Net Income-$45,408
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jan 11, 2019
Return Version
2016v3.0
Gross Receipts
$109,438
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$1,126,465▲ $250,797
Cash and Non-Interest-Bearing Accounts$169,270$88,874▼ $80,396
Other Notes and Loans Receivable, Net$34,010$59,888▲ $25,878
Pledges and Grants Receivable$500$0▼ $500
Total Assets$1,079,448$1,275,227▲ $195,779
Liabilities
Other Liabilities$943,360$1,195,785▲ $252,425
Deferred Revenue$33,685$18,838▼ $14,847
Accounts Payable and Accrued Expenses$10,033$373▼ $9,660
Total Liabilities$987,078$1,214,996▲ $227,918
Net Assets / Fund Balance
Unrestricted Net Assets$92,370$60,231▼ $32,139
Total Net Assets Fund Balance$92,370$60,231▼ $32,139
Total Liabilities and Net Assets / Fund Balance$1,079,448$1,275,227▲ $195,779
Compensation and Service Providers
Top Officer Pay41st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer RogersExecutive DirectorFT$32,095$5,219$37,314

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$45,962
Program Service Revenue
$2,713
Investment Income
$57,007
Other Revenue
$3,756
All Other Contributions
$45,868
Change in Net Assets
$-45,408

Audited Revenue Reconciliation

Revenue per Audited Statements
$109,438
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$13,269
Total Revenue per Audited Statements
$122,707
Total Revenue per Form 990
$109,438
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$94,172
Other Expenses$60,674
Total Fundraising Expense$1,174
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$32,478$10,393$433$43,304
Current Officers, Directors, Trustees, and Key Employees$37,315--$37,315
Office Expenses$21,210$6,788$283$28,281
Payroll Taxes$4,522$1,447$60$6,029
Other Employee Benefits$4,378$1,401$58$5,837
Travel$4,041$1,293$54$5,388
Fees for Services Accounting$3,000$960$40$4,000
Pension Plan Contributions$1,265$405$17$1,687
All Other Expenses$633$202$8$843
Other Expenses$632$202$8$842
Total Functional Expenses$125,464$28,208$1,174$154,846

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$154,846
Total Expenses per Audited Statements$154,846
Total Expenses per Form 990$154,846
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$1,189,631
Cdfi Loan Pool$6,154
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
Interim Executive Director
Phone
4064545722
Signed
2019-01-11
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, Line 2C

“No change to the organization's oversight process during the tax year. Answer was inadvertently marked no on prior year returns.”

Form 990

“We apologize for the tardiness of this tax return. The combination of several administrative errors caused this return to accidentally be removed from a due date monitoring list and therefore, we weren't aware that it hadn't been e-filed. As soon as this was discovered, steps were taken to file the return as soon as possible. Please consider abating any penalties. The organization has historically always filed timely returns. Thank you for your consideration.”

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 463 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt010033
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0373
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE 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/AllOtherContributionsAmt045868
IRS990/AllOtherExpensesGrp/FundraisingAmt08
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt0202
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0633
IRS990/AllOtherExpensesGrp/TotalAmt0843
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0JENNIFER WEAR
IRS990/BooksInCareOfDetail/PhoneNum04067618721
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02022 CENTRAL AVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0GREAT FALLS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MT
IRS990/BooksInCareOfDetail/USAddress/ZIPCd059401
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt0169270
IRS990/CashNonInterestBearingGrp/EOYAmt088874
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt037315
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt037315
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd01
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt045962
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt057007
IRS990/CYOtherExpensesAmt060674
IRS990/CYOtherRevenueAmt03756
IRS990/CYProgramServiceRevenueAmt02713
IRS990/CYRevenuesLessExpensesAmt0-45408
IRS990/CYSalariesCompEmpBnftPaidAmt094172
IRS990/CYTotalExpensesAmt0154846
IRS990/CYTotalFundraisingExpenseAmt01174
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0109438
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt033685
IRS990/DeferredRevenueGrp/EOYAmt018838
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0THE MONTANA ASSISTIVE TECHNOLOGY LOAN PROGRAM HELPS MONTANANS WITH DISABILITIES FUND ASSISTIVE TECHNOLOGY DEVICES AND SERVICES. THERE WAS 4 NEW LOANS IN 2016 AS WELL AS 22 CREDIT BUILDERS LOANS AND 3 EMPLOYEE LOANS.
IRS990/DescribedInSection501c3Ind01
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt00
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EngagedInExcessBenefitTransInd00
IRS990/ExpenseAmt0125464
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/FundraisingAmt040
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt0960
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt03000
IRS990/FeesForServicesAccountingGrp/TotalAmt04000
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt75219
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0BILL BEECHER
IRS990/Form990PartVIISectionAGrp/PersonNm1MIKE DEMARCO
IRS990/Form990PartVIISectionAGrp/PersonNm2JANE WEBER
IRS990/Form990PartVIISectionAGrp/PersonNm3DAVE FINK
IRS990/Form990PartVIISectionAGrp/PersonNm4KATHY LAURIN
IRS990/Form990PartVIISectionAGrp/PersonNm5JENNIFER LEHMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6MAUREEN RUDE
IRS990/Form990PartVIISectionAGrp/PersonNm7JENNIFER ROGERS
IRS990/Form990PartVIISectionAGrp/PersonNm8TOM JACOBSON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt732095
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7EXECUTIVE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8INTERIM EXECUTIVE DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr02015
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GovernmentGrantsAmt094
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0109438
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InvestmentIncomeGrp/ExclusionAmt057007
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt057007
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0875668
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01126465
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0MT
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE 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/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt092370
IRS990/NetAssetsOrFundBalancesEOYAmt060231
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt013269
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/FundraisingAmt0283
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt06788
IRS990/OfficeExpensesGrp/ProgramServicesAmt021210
IRS990/OfficeExpensesGrp/TotalAmt028281
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt058
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt01401
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt04378
IRS990/OtherEmployeeBenefitsGrp/TotalAmt05837
IRS990/OtherExpensesGrp/Desc0GRANT
IRS990/OtherExpensesGrp/Desc1BAD DEBT
IRS990/OtherExpensesGrp/Desc2TRAINING
IRS990/OtherExpensesGrp/Desc3BANK CHARGES
IRS990/OtherExpensesGrp/FundraisingAmt0165
IRS990/OtherExpensesGrp/FundraisingAmt131
IRS990/OtherExpensesGrp/FundraisingAmt217
IRS990/OtherExpensesGrp/FundraisingAmt38
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03970
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1739
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2408
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3202
IRS990/OtherExpensesGrp/ProgramServicesAmt012407
IRS990/OtherExpensesGrp/ProgramServicesAmt12309
IRS990/OtherExpensesGrp/ProgramServicesAmt21274
IRS990/OtherExpensesGrp/ProgramServicesAmt3632
IRS990/OtherExpensesGrp/TotalAmt016542
IRS990/OtherExpensesGrp/TotalAmt13079
IRS990/OtherExpensesGrp/TotalAmt21699
IRS990/OtherExpensesGrp/TotalAmt3842
IRS990/OtherLiabilitiesGrp/BOYAmt0943360
IRS990/OtherLiabilitiesGrp/EOYAmt01195785
IRS990/OtherRevenueMiscGrp/BusinessCd0541990
IRS990/OtherRevenueMiscGrp/Desc0PAID TAX PREPARATION I
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt03756
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt03756
IRS990/OtherRevenueTotalAmt03756
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt0433
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt010393
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt032478
IRS990/OtherSalariesAndWagesGrp/TotalAmt043304
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt034010
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt059888
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/FundraisingAmt060
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt01447
IRS990/PayrollTaxesGrp/ProgramServicesAmt04522
IRS990/PayrollTaxesGrp/TotalAmt06029
IRS990/PensionPlanContributionsGrp/FundraisingAmt017
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0405
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt01265
IRS990/PensionPlanContributionsGrp/TotalAmt01687
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0500
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0TOM JACOBSON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0541990
IRS990/ProgramServiceRevenueGrp/Desc0DEBTOR FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02713
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02713
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0133420
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt087256
IRS990/PYOtherExpensesAmt044257
IRS990/PYOtherRevenueAmt0892
IRS990/PYProgramServiceRevenueAmt02868
IRS990/PYRevenuesLessExpensesAmt099665
IRS990/PYSalariesCompEmpBnftPaidAmt080514
IRS990/PYTotalExpensesAmt0124771
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0224436
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-45408
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt06469
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt045962
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0133420
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0179382
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt057007
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt087256
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0144263
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.55430
IRS990ScheduleA/PublicSupportPY170Pct00.60460
IRS990ScheduleA/PublicSupportTotal170Amt0179382
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt045962
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0133420
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0179382
IRS990ScheduleA/TotalSupportAmt0323645
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0154846
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/NetUnrealizedGainsInvstAmt013269
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01189631
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt16154
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MATL LOAN POOL
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CDFI LOAN POOL
IRS990ScheduleD/RevenueNotReportedAmt013269
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0109438
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/TotalExpensesPerForm990Amt0154846
IRS990ScheduleD/TotalLiabilityAmt01195785
IRS990ScheduleD/TotalRevenuePerForm990Amt0109438
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0122707
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0154846
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 CHANGE TO THE ORGANIZATION'S OVERSIGHT PROCESS DURING THE TAX YEAR. ANSWER WAS INADVERTENTLY MARKED NO ON PRIOR YEAR RETURNS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5WE APOLOGIZE FOR THE TARDINESS OF THIS TAX RETURN. THE COMBINATION OF SEVERAL ADMINISTRATIVE ERRORS CAUSED THIS RETURN TO ACCIDENTALLY BE REMOVED FROM A DUE DATE MONITORING LIST AND THEREFORE, WE WEREN'T AWARE THAT IT HADN'T BEEN E-FILED. AS SOON AS THIS WAS DISCOVERED, STEPS WERE TAKEN TO FILE THE RETURN AS SOON AS POSSIBLE. PLEASE CONSIDER ABATING ANY PENALTIES. THE ORGANIZATION HAS HISTORICALLY ALWAYS FILED TIMELY RETURNS. THANK YOU FOR YOUR CONSIDERATION.
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, LINE 2C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990
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/InvolvedAmt094171
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/TotalAssetsBOYAmt01079448
IRS990/TotalAssetsEOYAmt01275227
IRS990/TotalAssetsGrp/BOYAmt01079448
IRS990/TotalAssetsGrp/EOYAmt01275227
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt045962
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt01174
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt028208
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0125464
IRS990/TotalFunctionalExpensesGrp/TotalAmt0154846
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0987078
IRS990/TotalLiabilitiesEOYAmt01214996
IRS990/TotalLiabilitiesGrp/BOYAmt0987078
IRS990/TotalLiabilitiesGrp/EOYAmt01214996
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt092370
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt060231
IRS990/TotalOtherCompensationAmt05219
IRS990/TotalProgramServiceExpensesAmt0125464

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,275,227
Liabilities
$1,214,996
Net assets
$60,231
Revenue
$109,438
Expenses
$154,846
Net income
-$45,408
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
2016Detailed filing. Detailed filing data is available for this year.$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