Civic Intelligence

Up Business Capital

990 • Fiscal year 2015 • EIN 45-2471096

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 11, 2016

Organization ProfileN/A
PO Box 7009Marquette, MI 49855

(906) 228-5571

Siviq Scores

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

Liabilities / Assets

89th percentile

0.90x

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

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

Liabilities / Revenue

98th percentile

13.29x

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

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

Net Margin

1st percentile

-222%

Higher net margin than 1% of similar nonprofits.

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

Top Officer Pay

85th percentile

$159,626

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 233.9% 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

$1,009,819

No earlier filing loaded for comparison.

Net Assets

$102,595

No earlier filing loaded for comparison.

Liabilities

$907,224

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin1st percentile

Revenue

$68,255

No earlier filing loaded for comparison.

Expenses

$219,671

No earlier filing loaded for comparison.

Net Income

-$151,416

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: $1,009,819Liabilities 2015: $907,224Net Assets 2015: $102,5952015Assets 2016: $985,717Liabilities 2016: $853,677Net Assets 2016: $132,0402016Assets 2017: $928,451Liabilities 2017: $799,636Net Assets 2017: $128,8152017Assets 2018: $907,983Liabilities 2018: $744,962Net Assets 2018: $163,0212018Assets 2019: $864,555Liabilities 2019: $689,721Net Assets 2019: $174,8342019Assets 2020: $769,229Liabilities 2020: $633,985Net Assets 2020: $135,2442020Assets 2021: $686,201Liabilities 2021: $577,689Net Assets 2021: $108,5122021Assets 2022: $679,908Liabilities 2022: $525,861Net Assets 2022: $154,0472022Assets 2023: $604,836Liabilities 2023: $474,256Net Assets 2023: $130,5802023Assets 2024: $509,955Liabilities 2024: $414,547Net Assets 2024: $95,4082024

Highlighted filing

2015

Assets$1,009,819
Liabilities$907,224
Net Assets$102,595
Open 2015 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$300K$200K$100K$0-$100K-$200KRevenue 2015: $68,255Expenses 2015: $219,671Net Income 2015: -$151,4162015Revenue 2016: $60,798Expenses 2016: $31,353Net Income 2016: $29,4452016Revenue 2017: $62,307Expenses 2017: $65,532Net Income 2017: -$3,2252017Revenue 2018: $56,271Expenses 2018: $22,065Net Income 2018: $34,2062018Revenue 2019: $54,559Expenses 2019: $42,746Net Income 2019: $11,8132019Revenue 2020: $53,375Expenses 2020: $92,965Net Income 2020: -$39,5902020Revenue 2021: $47,133Expenses 2021: $73,865Net Income 2021: -$26,7322021Revenue 2022: $35,049Expenses 2022: $48,790Net Income 2022: -$13,7412022Revenue 2023: $22,355Expenses 2023: $46,592Net Income 2023: -$24,2372023Revenue 2024: $20,354Expenses 2024: $54,301Net Income 2024: -$33,9472024

Highlighted filing

2015

Revenue$68,255
Expenses$219,671
Net Income-$151,416
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 11, 2016
Return Version
2015v2.1
Gross Receipts
$68,255
Mission and Program Overview

Mission

To provide tailored business solutions to advance and connect rural economies and their communities.

To provide tailored business solutions to advance and connect rural economies.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$914,466$877,428▼ $37,038
Cash and Non-Interest-Bearing Accounts$195,161$128,310▼ $66,851
Rtn Earn Endowment Incm Other Fnds$254,011$102,595▼ $151,416
Intangible Assets$100,000--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,214,274$1,009,819▼ $204,455
Other Assets Total$4,647$4,081▼ $566
Liabilities
Mortgage Notes Payable Secured by Investment Property$960,263$907,224▼ $53,039
Total Liabilities$960,263$907,224▼ $53,039
Net Assets / Fund Balance
Total Net Assets Fund Balance$254,011$102,595▼ $151,416
Total Liabilities and Net Assets / Fund Balance$1,214,274$1,009,819▼ $204,455
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleOtherTotal
Charles H HurstBoard Director$96,081$96,081

Board Members and Trustees

NameTitle
Jane SherzerChairperson of the Board
Dennis J WestPresident
Alfred Joyal IiiBoard Director
Beth MillnerBoard Director
Bob ValentineBoard Director
Brian SheridanBoard Director
Michael J RoyBoard Director
Thomas VearBoard Director
Wes Maurer JrBoard Director
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$67,041
Investment Income
$69
Other Revenue
$1,145
Change in Net Assets
$-151,416
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$219,671
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$163,991--$163,991
Fees for Services Management$13,230$31,770-$45,000
Interest$9,404--$9,404
Office Expenses$1,276--$1,276
Total Functional Expenses$187,901$31,770$0$219,671
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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
No
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 A, Line 7A

“All members of the board of directors are appointed by northern economic initiatives corporation.”

Form 990, Part VI, Section A, Line 8B

“The organization does not have committees with authority to act on behalf of the governing body.”

Form 990, Part VI, Section B, Line 11

“A copy of the form 990 is made available to all board members via email before filing. It is reviewed and signed by the president.”

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

“The organization's officers and directors sign the conflict of interest policy on an annual basis.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policy and financial statements are not available to the public.”

Filing and Contact Details

Filer

Filer Name
Up Business Capital
EIN
45-2471096
Phone
9062285571
Address
PO BOX 7009, MARQUETTE, MI 49855

Signing Officer

Name
Dennis J West
Title
President
Phone
9062285571
Signed
2016-11-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dennis J West
Formed
2002
Legal Domicile
Mi
Voting Board Members
10
Independent Board Members
10
Employees
0
Volunteers
10

Preparer

Firm
Makela Toutant Hill & Nardi Pc
Address
201 W BLUFF STREET, MARQUETTE, MI 49855
Preparer
Robin Rauvala CPA
Phone
9062283600
Raw XML AppendixShowing 400 of 420 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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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DENNIS J WEST
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt0160290
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL MEMBERS OF THE BOARD OF DIRECTORS ARE APPOINTED BY NORTHERN ECONOMIC INITIATIVES CORPORATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION DOES NOT HAVE COMMITTEES WITH AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COPY OF THE FORM 990 IS MADE AVAILABLE TO ALL BOARD MEMBERS VIA EMAIL BEFORE FILING. IT IS REVIEWED AND SIGNED BY THE PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION'S OFFICERS AND DIRECTORS SIGN THE CONFLICT OF INTEREST POLICY ON AN ANNUAL BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE NOT AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0NORTHERN ECONOMIC INITIATIVES CORPORATION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0383024786
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)(3)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0MI
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0LENDING, ECONOMIC DEVELOPMENT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0LINE 7
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt0PO BOX 7009
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IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
IRS990ScheduleR/PerformOfServicesByOtherOrgInd01
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
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IRS990/TaxablePartyNotificationInd00
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IRS990/TempOrPermanentEndowmentsInd00
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0187901
IRS990/TotalFunctionalExpensesGrp/TotalAmt0219671
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesGrp/EOYAmt0907224
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0254011
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0102595
IRS990/TotalOtherCompensationAmt034800
IRS990/TotalProgramServiceExpensesAmt0187901
IRS990/TotalProgramServiceRevenueAmt067041
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt01214
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt067041
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt068255
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01214274
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IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 7009
IRS990/USAddress/CityNm0MARQUETTE
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IRS990/USAddress/ZIPCd049855
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DENNIS J WEST
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09062285571
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-11-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UP BUSINESS CAPITAL
ReturnHeader/Filer/BusinessNameControlTxt0UPBU

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,009,819
Liabilities
$907,224
Net assets
$102,595
Revenue
$68,255
Expenses
$219,671
Net income
-$151,416
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.51$0.41$0.10$0.02$0.05$0.03
2023Summary only. Only limited summary data is available for this year.$0.60$0.47$0.13$0.02$0.05$0.02
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.68$0.53$0.15$0.04$0.05$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.69$0.58$0.11$0.05$0.07$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.77$0.63$0.14$0.05$0.09$0.04
2019Summary only. Only limited summary data is available for this year.$0.86$0.69$0.17$0.05$0.04$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.91$0.74$0.16$0.06$0.02$0.03
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.93$0.80$0.13$0.06$0.07$0.00
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.99$0.85$0.13$0.06$0.03$0.03
2015Detailed filing. Detailed filing data is available for this year.$1.01$0.91$0.10$0.07$0.22$0.15
Peer Organizations

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