Civic Intelligence

Ezra L Baker Educational Loan Fund

EIN 46-6018786 • 501(c)3 • Aberdeen, SD

Profile

To provide student loans at low or modest rates of interest for selected college or university students who attend First Baptist Church of Aberdeen.

39109 126th StAberdeen, SD 57401

n/A

Siviq Scores

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

Liabilities / Assets

61st percentile

0.00x

Higher debt load relative to assets than 61% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

69th percentile

0.01x

Higher debt load relative to revenue than 69% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

94th percentile

69%

Higher net margin than 94% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

62nd percentile

5.0%

Faster asset growth than 62% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

Score unavailable

No value available

A valid growth rate could not be computed from the available filing history.

Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets61st percentile

Assets

Up

$357,242

Up $17,108 (+5.0%) from 2023

Liabilities

Flat

$211

Flat from 2023

Net Assets

Up

$357,031

Up $17,108 (+5.0%) from 2023

Operations
Liabilities / Revenue69th percentileNet Margin94th percentile

Revenue

Up

$24,248

Up $31,467 (+436%) from 2023

Expenses

Up

$7,532

Up $1,758 (+30%) from 2023

Net Income

Up

$16,716

Up $29,709 (+229%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth62nd percentile

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

$400K$300K$200K$100K$0Assets 2010: $263,220Liabilities 2010: $0Net Assets 2010: $263,2202010Assets 2011: $236,584Liabilities 2011: $0Net Assets 2011: $236,5842011Assets 2012: $234,444Liabilities 2012: $0Net Assets 2012: $234,4442012Assets 2013: $241,805Liabilities 2013: $211Net Assets 2013: $241,5942013Assets 2014: $251,884Liabilities 2014: $211Net Assets 2014: $251,6732014Assets 2015: $266,726Liabilities 2015: $211Net Assets 2015: $266,5152015Assets 2016: $273,620Liabilities 2016: $211Net Assets 2016: $273,4092016Assets 2017: $287,837Liabilities 2017: $211Net Assets 2017: $287,6262017Assets 2018: $303,247Liabilities 2018: $211Net Assets 2018: $303,0362018Assets 2019: $305,336Liabilities 2019: $211Net Assets 2019: $305,1252019Assets 2020: $318,944Liabilities 2020: $211Net Assets 2020: $318,7332020Assets 2021: $344,774Liabilities 2021: $211Net Assets 2021: $344,5632021Assets 2022: $345,760Liabilities 2022: $211Net Assets 2022: $345,5492022Assets 2023: $340,134Liabilities 2023: $211Net Assets 2023: $339,9232023Assets 2024: $357,242Liabilities 2024: $211Net Assets 2024: $357,0312024

Highlighted filing

2024

Assets$357,242
Liabilities$211
Net Assets$357,031
Open 2024 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$40K$20K$0-$20K-$40KRevenue 2010: $4,519Expenses 2010: $1,661Net Income 2010: $2,8582010Revenue 2011: -$30,624Expenses 2011: $2,147Net Income 2011: -$32,7712011Revenue 2012: $6,175Expenses 2012: $8,315Net Income 2012: -$2,1402012Revenue 2013: $9,677Expenses 2013: $2,527Net Income 2013: $7,1502013Revenue 2014: $12,761Expenses 2014: $2,682Net Income 2014: $10,0792014Revenue 2015: $17,656Expenses 2015: $2,814Net Income 2015: $14,8422015Revenue 2016: $9,694Expenses 2016: $2,800Net Income 2016: $6,8942016Revenue 2017: $18,440Expenses 2017: $4,223Net Income 2017: $14,2172017Revenue 2018: $19,879Expenses 2018: $4,469Net Income 2018: $15,4102018Revenue 2019: $6,979Expenses 2019: $4,890Net Income 2019: $2,0892019Revenue 2020: $18,783Expenses 2020: $5,175Net Income 2020: $13,6082020Revenue 2021: $25,873Expenses 2021: $5,515Net Income 2021: $20,3582021Revenue 2022: $20,735Expenses 2022: $5,755Net Income 2022: $14,9802022Revenue 2023: -$7,219Expenses 2023: $5,774Net Income 2023: -$12,9932023Revenue 2024: $24,248Expenses 2024: $7,532Net Income 2024: $16,7162024

Highlighted filing

2024

Revenue$24,248
Expenses$7,532
Net Income$16,716
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$357,242
Liabilities
$211
Net assets
$357,031
Revenue
$24,248
Expenses
$7,532
Net income
$16,716
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.57$0.00$3.57$0.24$0.08$0.17
2023Detailed filing. Detailed filing data is available for this year.$3.40$0.00$3.40$0.07$0.06$0.13
2022Detailed filing. Detailed filing data is available for this year.$3.46$0.00$3.46$0.21$0.06$0.15
2021Detailed filing. Detailed filing data is available for this year.$3.45$0.00$3.45$0.26$0.06$0.20
2020Detailed filing. Detailed filing data is available for this year.$3.19$0.00$3.19$0.19$0.05$0.14
2019Detailed filing. Detailed filing data is available for this year.$3.05$0.00$3.05$0.07$0.05$0.02
2018Detailed filing. Detailed filing data is available for this year.$3.03$0.00$3.03$0.20$0.04$0.15
2017Detailed filing. Detailed filing data is available for this year.$2.88$0.00$2.88$0.18$0.04$0.14
2016Detailed filing. Detailed filing data is available for this year.$2.74$0.00$2.73$0.10$0.03$0.07
2015Detailed filing. Detailed filing data is available for this year.$2.67$0.00$2.67$0.18$0.03$0.15
2014Detailed filing. Detailed filing data is available for this year.$2.52$0.00$2.52$0.13$0.03$0.10
2013Detailed filing. Detailed filing data is available for this year.$2.42$0.00$2.42$0.10$0.03$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.34$0.00$2.34$0.06$0.08$0.02
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.37$0.00$2.37$0.31$0.02$0.33
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.63$0.00$2.63$0.05$0.02$0.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 29, 2025
Return Version
2024v5.1
Gross Receipts
$68,651
Mission and Program Overview

Mission

To provide student loans at low or modest rates of interest for selected college or university students who attend First Baptist Church of Aberdeen.

To provide student loans at low or modest rates of interest for selected college or university students who attend First Baptist Church of Aberdeen

Program Services

DescriptionGrantsExpenses
To administer student loans to deserving attendants of the First Baptist Church of Aberdeen for college or universitytraining. The organization issued $6,000 in new loans in 2024$6,000$6,000
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mark EnglehartTrustee-$0--
William O EdwardsTrustee-$0--
Pastor Gary ComptonTrustee-$0--
Filing and Contact Details

Filer

Filer Name
Ezra L Baker Educational Loan Fund
EIN
46-6018786
Phone
6053803980
Address
39109 126th St, Aberdeen, SD 57401

Signing Officer

Name
William O Edwards
Title
Trustee
Phone
6053803980
Signed
2025-04-29

Preparer

Firm
Kippley Group
Address
6 N Dakota St, Aberdeen, SD 57401
Preparer
Jack Aadland
Phone
6052292124
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 16

“INVESTMENT FEES 4745.”

Form 990EZ, Part I, Line 20

“Prior period investment reporting adjustment 392.”

Form 990EZ, Part II, Line 24

“Student loans receivable 52813. 43576.”

Form 990EZ, Part II, Line 26

“Loan overpayment payable 211. 211.”

Raw XML Appendix161 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
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IRS990EZ/BooksInCareOfDetail/PhoneNum06053803980
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt039109 126th St
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Aberdeen
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0SD
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd057401
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0287321
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0313666
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IRS990EZ/ContributionsGiftsGrantsEtcAmt00
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt044403
IRS990EZ/DonorAdvisedFndsInd0false
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IRS990EZ/ExcessOrDeficitForYearAmt016716
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt02787
IRS990EZ/FiledScheduleAInd0true
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IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt068651
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt019793
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0339923
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0357031
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10.10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt20.10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Mark Englehart
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Trustee
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Trustee
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt052813
IRS990EZ/OtherAssetsTotalDetail/EOYAmt043576
IRS990EZ/OtherChangesInNetAssetsAmt0392
IRS990EZ/OtherExpensesTotalAmt04745
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
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IRS990EZ/ProgramServiceRevenueAmt0789
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IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt06000
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt06000
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SaleOfAssetsGrossAmt048069
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0211
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IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt07532
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IRS990EZ/TotalRevenueAmt024248
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationTrustInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/Form990SchASupportingOrgGrp/Contribution35ControlledInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ContributionControllerInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ContributionFamilyInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ControlledDisqualifiedPrsnInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/DisqualifiedPrsnControllIntInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/DisqualifiedPrsnOwnrIntInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ExcessBusinessHoldingsRulesInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/ListedByNameGoverningDocInd0true
IRS990ScheduleA/Form990SchASupportingOrgGrp/LoanDisqualifiedPersonInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/OrganizationChangeSuprtOrgInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/PaymentSubstantialContribtrInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportedOrgNotOrganizedUSInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportedOrgSectionC456Ind0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/SupportNonSupportedOrgInd0false
IRS990ScheduleA/Form990SchASupportingOrgGrp/SuprtOrgNoIRSDeterminationInd0false
IRS990ScheduleA/Form990SchAType1SuprtOrgGrp/OperateBenefitNonSuprtOrgInd0false
IRS990ScheduleA/Form990SchAType1SuprtOrgGrp/PowerAppointMajorityDirTrstInd0true
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PublicSupportCY170Pct00
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/SupportedOrganizationsCnt01
IRS990ScheduleA/SupportedOrganizationsTotalCnt01
IRS990ScheduleA/SupportedOrgInformationGrp/EIN0460259752
IRS990ScheduleA/SupportedOrgInformationGrp/GoverningDocumentListedInd0true
IRS990ScheduleA/SupportedOrgInformationGrp/OrganizationTypeCd01
IRS990ScheduleA/SupportedOrgInformationGrp/OtherSupportAmt00
IRS990ScheduleA/SupportedOrgInformationGrp/SupportAmt06000
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IRS990ScheduleA/SupportingOrganization509a3Ind0X
IRS990ScheduleA/SupportingOrgType1Ind0X
IRS990ScheduleA/SupportSumAmt06000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0INVESTMENT FEES 4745.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PRIOR PERIOD INVESTMENT REPORTING ADJUSTMENT 392.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2STUDENT LOANS RECEIVABLE 52813. 43576.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3LOAN OVERPAYMENT PAYABLE 211. 211.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part II, Line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0William O Edwards
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Trustee
ReturnHeader/BusinessOfficerGrp/PhoneNum06053803980
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Ezra L Baker Educational Loan Fund
ReturnHeader/Filer/BusinessNameControlTxt0EZRA
ReturnHeader/Filer/EIN0466018786
ReturnHeader/Filer/PhoneNum06053803980
ReturnHeader/Filer/USAddress/AddressLine1Txt039109 126th St
ReturnHeader/Filer/USAddress/CityNm0Aberdeen
ReturnHeader/Filer/USAddress/StateAbbreviationCd0SD
ReturnHeader/Filer/USAddress/ZIPCd057401
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0463744690
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Kippley Group
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt06 N Dakota St
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Aberdeen
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0SD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd057401
ReturnHeader/PreparerPersonGrp/PhoneNum06052292124
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JACK AADLAND
ReturnHeader/ReturnTs02025-05-14T16:26:01-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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