Civic Intelligence

Tiwa Lending Services Inc

990 • Fiscal year 2020 • EIN 80-0742774

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 15, 2021

Organization ProfileWWW.TIWALENDING.ORG
Tribal Road 40 Building 117-aIsleta, NM 87022

(505) 916-0556

Siviq Scores

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

Liabilities / Assets

50th percentile

0.22x

Higher debt load relative to assets than 50% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2020

Liabilities / Revenue

93rd percentile

5.03x

Higher debt load relative to revenue than 93% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2020

Net Margin

88th percentile

40%

Higher net margin than 88% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2020

Top Officer Pay

19th percentile

$83,669

Higher top officer pay than 19% of similar nonprofits.

Top officer pay equals 18.8% of source-year revenue.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2020

Asset Growth

47th percentile

5.9%

Faster asset growth than 47% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Revenue Growth

7th percentile

-47%

Faster revenue growth than 7% of similar nonprofits.

2020 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$10,029,627

Up $554,408 (+5.9%) from 2019

Net Assets

Up

$7,796,259

Up $177,598 (+2.3%) from 2019

Liabilities

Up

$2,233,368

Up $376,810 (+20%) from 2019

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin88th percentile

Revenue

Down

$444,184

Down $400,322 (-47%) from 2019

Expenses

Down

$266,586

Down $59,478 (-18%) from 2019

Net Income

Down

$177,598

Down $340,844 (-66%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth47th percentile

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

$15M$10M$5.0M$0Assets 2011: $0Liabilities 2011: $02011Assets 2012: $5,034,579Liabilities 2012: $4,265Net Assets 2012: $5,030,3142012Assets 2013: $5,239,705Liabilities 2013: $256,718Net Assets 2013: $4,982,9872013Assets 2014: $5,616,547Liabilities 2014: $578,506Net Assets 2014: $5,038,0412014Assets 2015: $6,340,096Liabilities 2015: $433,715Net Assets 2015: $5,906,3812015Assets 2016: $6,202,900Liabilities 2016: $231,372Net Assets 2016: $5,971,5282016Assets 2017: $7,373,411Liabilities 2017: $689,637Net Assets 2017: $6,683,7742017Assets 2018: $9,225,013Liabilities 2018: $2,124,794Net Assets 2018: $7,100,2192018Assets 2019: $9,475,219Liabilities 2019: $1,856,558Net Assets 2019: $7,618,6612019Assets 2020: $10,029,627Liabilities 2020: $2,233,368Net Assets 2020: $7,796,2592020Assets 2021: $11,939,139Liabilities 2021: $3,470,585Net Assets 2021: $8,468,5542021Assets 2022: $11,709,205Liabilities 2022: $2,951,399Net Assets 2022: $8,757,8062022Assets 2023: $12,448,088Liabilities 2023: $3,283,825Net Assets 2023: $9,164,2632023

Highlighted filing

2020

Assets$10,029,627
Liabilities$2,233,368
Net Assets$7,796,259
Open 2020 Filing

Operations Trend

Revenue Growth7th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $0Expenses 2011: $0Net Income 2011: $02011Expenses 2012: $27,0442012Revenue 2013: $178,597Expenses 2013: $188,315Net Income 2013: -$9,7182013Revenue 2014: $205,672Expenses 2014: $150,618Net Income 2014: $55,0542014Revenue 2015: $1,055,639Expenses 2015: $187,299Net Income 2015: $868,3402015Revenue 2016: $261,700Expenses 2016: $196,553Net Income 2016: $65,1472016Revenue 2017: $936,123Expenses 2017: $223,877Net Income 2017: $712,2462017Revenue 2018: $712,672Expenses 2018: $296,227Net Income 2018: $416,4452018Revenue 2019: $844,506Expenses 2019: $326,064Net Income 2019: $518,4422019Revenue 2020: $444,184Expenses 2020: $266,586Net Income 2020: $177,5982020Revenue 2021: $986,567Expenses 2021: $314,272Net Income 2021: $672,2952021Revenue 2022: $684,546Expenses 2022: $395,294Net Income 2022: $289,2522022Revenue 2023: $846,139Expenses 2023: $439,682Net Income 2023: $406,4572023

Highlighted filing

2020

Revenue$444,184
Expenses$266,586
Net Income$177,598
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 15, 2021
Return Version
2020v4.0
Gross Receipts
$444,184
Mission and Program Overview

Mission

To provide education, training, and direct lending of money to support development or rehabilitation efforts to improve the social or economic conditions of the residents of the pueblo of isleta community and isleta indian people residing within the surrounding communities of the pueblo of isleta.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$7,529,674$7,975,425▲ $445,751
Savings and Temporary Cash Investments$1,413,462$1,738,403▲ $324,941
Cash and Non-Interest-Bearing Accounts$525,304$300,399▼ $224,905
Land, Buildings, and Equipment, Net$6,779$13,393▲ $6,614
Prepaid Expenses and Deferred Charges-$2,007-
Total Assets$9,475,219$10,029,627▲ $554,408
Liabilities
Mortgage Notes Payable Secured by Investment Property$1,637,500$1,487,500▼ $150,000
Accounts Payable and Accrued Expenses$129,058$491,868▲ $362,810
Deferred Revenue$90,000$254,000▲ $164,000
Total Liabilities$1,856,558$2,233,368▲ $376,810
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$7,618,661$7,796,259▲ $177,598
Total Net Assets Fund Balance$7,618,661$7,796,259▲ $177,598
Total Liabilities and Net Assets / Fund Balance$9,475,219$10,029,627▲ $554,408

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$13,393$7,661$21,054
Compensation and Service Providers
Top Officer Pay19th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sheila HerreraExecutive DiFT$80,969$2,700$83,669
Annette BacaPresidentPT$2,300-$2,300
Al BacaSecretaryPT$2,200-$2,200
Charles Peone JrTreasurerPT$2,200-$2,200
William GuevaraBoard MemberPT$600-$600

Highest Paid Contractors

ContractorServicesLocationCompensation
Sambern ConstructionConstruction1229 MECHENBIER LANE SW, Albuquerque, NM 87105$165,290
Lee Abeita ContractingConstructionP O BOX 1252, Isleta, NM 87022$129,986
Revenue and Support

Revenue Composition

Contributions and Grants
$51,250
Program Service Revenue
$392,540
Investment Income
$394
Other Revenue
$0
All Other Contributions
$3,250
Change in Net Assets
$177,598

Audited Revenue Reconciliation

Revenue per Audited Statements
$444,184
Revenue Not Reported on Form 990
$4,800
Total Revenue per Audited Statements
$448,984
Total Revenue per Form 990
$444,184
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$129,791
Other Expenses$98,795
Total Fundraising Expense$32,789
Grants and Similar Amounts Paid$30,000
Professional Fundraising Fees$8,000

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$47,772$23,481$9,716$80,969
Other Salaries and Wages$12,404$13,825$13,223$39,452
Grants to Domestic Individuals$30,000--$30,000
Fees for Services Accounting-$25,437-$25,437
Payroll Taxes$4,250$2,950$1,616$8,816
Fees for Services Professional Fundraising--$8,000$8,000
Office Expenses$4,073$1,358-$5,431
Interest$4,932--$4,932
All Other Expenses$4,342$462-$4,804
Depreciation Depletion$2,420$807-$3,227
Other Expenses$2,880$2,708-$2,880
Fees for Services Legal$2,367--$2,367
Insurance-$1,004-$1,004
Other Employee Benefits$326$161$67$554
Travel$167$167$167$501
Total Functional Expenses$161,437$72,360$32,789$266,586

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$271,386
Expenses per Audited Statements$266,586
Total Expenses per Form 990$266,586
Expenses Not Reported on Form 990$4,800
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$8,000
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
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
Yes
Other officer compensation reviewed
Yes
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, Page 6, Part VI, Line 11B

“Members of the board received and reviewed a draft copy of the form 990 return prior to filing.”

Form 990, Page 6, Part VI, Line 12C

“Annually, tiwa lending services, inc. Requires each member of the board of directors to sign conflicts of interest forms. If a conflict arises the person with a conflict is not allowed to vote on the transaction. There have been no incidences of conflict during the reporting year.”

Form 990, Page 6, Part VI, Line 15A

“The executive director receives an annual performance review in which the board reviews and approves the compensation for the next year.”

Form 990, Page 6, Part VI, Line 15B

“As applicable, the board will review and approve the compensation for the next year.”

Form 990, Page 6, Part VI, Line 19

“Documents are maintained at the office location and are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Tiwa Lending Services Inc
EIN
80-0742774
Phone
5059160556
Address
TRIBAL ROAD 40 BUILDING 117-A, ISLETA, NM 87022

Signing Officer

Name
Sheila Herrera
Title
Executive Director
Phone
5059160556
Signed
2021-04-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sheila Herrera
Formed
2011
Legal Domicile
Nm
Voting Board Members
4
Independent Board Members
4
Employees
2

Preparer

Firm
Sjt Group LLC
Address
4811 HARDWARE DR NE SUITE E-4, ALBUQUERQUE, NM 87109
Preparer
Lonnie Juarez
Phone
5053128702
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“To provide education, training, and direct lending of money to support development or rehabilitation efforts to improve the social or economic conditions of the residents of the pueblo of isleta community and isleta indian people residing within the surrounding communities of the pueblo of isleta.”

Financial Statement Notes

Schedule D, Page 3, Part X

“Tls is a not-for-profit organization and qualifies as a tax-exempt organization under section 501(c)(3) of the internal revenue code. Tls regularly evaluates activities as it relates to its tax-exempt status. If the organization's activities are determined to be outside of its tax- exempt status, the potential exists for tax liabilities on those unrelated activities. Currently, tls engages in no activities that would be taxed as unrelated business income. Accordingly, no provision for income taxes has been reflected in tls's financial statements. Tls' income tax filings are subject to audit by various taxing authorities. Tls' open audit periods are the years ended december 31, 2017 and thereafter.”

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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0TLS IS A NOT-FOR-PROFIT ORGANIZATION AND QUALIFIES AS A TAX-EXEMPT ORGANIZATION UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE. TLS REGULARLY EVALUATES ACTIVITIES AS IT RELATES TO ITS TAX-EXEMPT STATUS. IF THE ORGANIZATION'S ACTIVITIES ARE DETERMINED TO BE OUTSIDE OF ITS TAX- EXEMPT STATUS, THE POTENTIAL EXISTS FOR TAX LIABILITIES ON THOSE UNRELATED ACTIVITIES. CURRENTLY, TLS ENGAGES IN NO ACTIVITIES THAT WOULD BE TAXED AS UNRELATED BUSINESS INCOME. ACCORDINGLY, NO PROVISION FOR INCOME TAXES HAS BEEN REFLECTED IN TLS'S FINANCIAL STATEMENTS. TLS' INCOME TAX FILINGS ARE SUBJECT TO AUDIT BY VARIOUS TAXING AUTHORITIES. TLS' OPEN AUDIT PERIODS ARE THE YEARS ENDED DECEMBER 31, 2017 AND THEREAFTER.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO PROVIDE EDUCATION, TRAINING, AND DIRECT LENDING OF MONEY TO SUPPORT DEVELOPMENT OR REHABILITATION EFFORTS TO IMPROVE THE SOCIAL OR ECONOMIC CONDITIONS OF THE RESIDENTS OF THE PUEBLO OF ISLETA COMMUNITY AND ISLETA INDIAN PEOPLE RESIDING WITHIN THE SURROUNDING COMMUNITIES OF THE PUEBLO OF ISLETA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE BOARD RECEIVED AND REVIEWED A DRAFT COPY OF THE FORM 990 RETURN PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANNUALLY, TIWA LENDING SERVICES, INC. REQUIRES EACH MEMBER OF THE BOARD OF DIRECTORS TO SIGN CONFLICTS OF INTEREST FORMS. IF A CONFLICT ARISES THE PERSON WITH A CONFLICT IS NOT ALLOWED TO VOTE ON THE TRANSACTION. THERE HAVE BEEN NO INCIDENCES OF CONFLICT DURING THE REPORTING YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE EXECUTIVE DIRECTOR RECEIVES AN ANNUAL PERFORMANCE REVIEW IN WHICH THE BOARD REVIEWS AND APPROVES THE COMPENSATION FOR THE NEXT YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AS APPLICABLE, THE BOARD WILL REVIEW AND APPROVE THE COMPENSATION FOR THE NEXT YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DOCUMENTS ARE MAINTAINED AT THE OFFICE LOCATION AND ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0TRIBAL ROAD 40 BUILDING 117-A
IRS990/USAddress/CityNm0ISLETA
IRS990/USAddress/StateAbbreviationCd0NM
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IRS990/WebsiteAddressTxt0WWW.TIWALENDING.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SHEILA HERRERA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05059160556
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-04-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0TIWA LENDING SERVICES INC
ReturnHeader/Filer/BusinessNameControlTxt0TIWA
ReturnHeader/Filer/EIN0800742774
ReturnHeader/Filer/PhoneNum05059160556
ReturnHeader/Filer/USAddress/AddressLine1Txt0TRIBAL ROAD 40 BUILDING 117-A
ReturnHeader/Filer/USAddress/CityNm0ISLETA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NM
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0843482539
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SJT GROUP LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04811 HARDWARE DR NE SUITE E-4
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ALBUQUERQUE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NM

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,029,627
Liabilities
$2,233,368
Net assets
$7,796,259
Revenue
$444,184
Expenses
$266,586
Net income
$177,598
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$12.4$3.28$9.16$0.85$0.44$0.41
2022Summary only. Only limited summary data is available for this year.$11.7$2.95$8.76$0.68$0.40$0.29
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.9$3.47$8.47$0.99$0.31$0.67
2020Detailed filing. Detailed filing data is available for this year.$10.0$2.23$7.80$0.44$0.27$0.18
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.48$1.86$7.62$0.84$0.33$0.52
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.23$2.12$7.10$0.71$0.30$0.42
2017Summary only. Only limited summary data is available for this year.$7.37$0.69$6.68$0.94$0.22$0.71
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.20$0.23$5.97$0.26$0.20$0.07
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.34$0.43$5.91$1.06$0.19$0.87
2014Detailed filing. Detailed filing data is available for this year.$5.62$0.58$5.04$0.21$0.15$0.06
2013Detailed filing. Detailed filing data is available for this year.$5.24$0.26$4.98$0.18$0.19$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.03$0.00$5.03$0.03
2011Summary only. Only limited summary data is available for this year.$0.00$0.00$0.00$0.00$0.00
Peer Organizations

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