Liabilities / Assets
82nd percentile
Higher debt load relative to assets than 82% of similar nonprofits.
EIN 83-2589396 • 501(c)3 • Harlem, MT
Profile
To provide responsible, affordable lending opportunities for 'under-banked' individuals, espcially those who are low-income and low-wealth. Naca will also offer technical assistance through financial literacy training, credit coaching, small business and agri-business training.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
82nd percentile
Higher debt load relative to assets than 82% of similar nonprofits.
Liabilities / Revenue
90th percentile
Higher debt load relative to revenue than 90% of similar nonprofits.
Net Margin
83rd percentile
Higher net margin than 83% of similar nonprofits.
Top Officer Pay
87th percentile
Higher top officer pay than 87% of similar nonprofits.
Top officer pay equals 12.7% of source-year revenue.
Asset Growth
87th percentile
Faster asset growth than 87% of similar nonprofits.
Revenue Growth
31st percentile
Faster revenue growth than 31% of similar nonprofits.
Assets
Up$313,928
Up $109,538 (+54%) from 2019
Liabilities
Up$58,019
Up $58,019 from 2019
Net Assets
Up$255,909
Up $51,519 (+25%) from 2019
Revenue
Down$156,272
Down $48,778 (-24%) from 2019
Expenses
Up$104,753
Up $104,093 (+15772%) from 2019
Net Income
Down$51,519
Down $152,871 (-75%) from 2019
Most recent year
2020 • Form 990EZDetailed filing. Detailed filing data is available for this year.
To provide responsible, affordable lending opportunities for 'under-banked' individuals, espcially those who are low-income and low-wealth. Naca will also offer technical assistance through financial literacy training, credit coaching, small business and agri-business training.
| Description | Grants | Expenses |
|---|---|---|
| DEVELOPMENT SERVICES- OPERATE AS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION TO CLIENTS | $137,000 | $104,753 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| LORETTA BELL | Executive Director | FT | $19,905 | - | $19,905 |
| RAY KING | Executive Director | FT | $19,904 | - | $19,904 |
| HARLAN MOUNT | Director | - | $0 | - | - |
| ELEANOR YELLOWROBE | President | PT | $0 | - | - |
| JENNIFER PEREZ COLE | Vice President | PT | $0 | - | - |
| KATHLEEN ADAMS | Secretary | - | $0 | - | - |
| MARGEY BELL | Treasurer | - | $0 | - | - |
“Description: interest on loans . Amount: 1,885.”
“Description: other income . Amount: 1,937.”
“Description: advertising . Amount: 295. Description: fees and licenses . Amount: 440. Description: dues and subscriptions . Amount: 3,773. Description: miscellaneous . Amount: 115. Description: travel/conferences . Amount: 11,553. Description: supplies . Amount: 20. Description: office expense. Amount: 1,226. Total to form 990-ez, line 16: 17,422.”
“Description: receivables . Beg. Of year amount: 0. End of year amount: 108,511.”
“Description: payroll liabilities . Beg. Of year amount: 0. End of year amount: 8,019. Description: notes payable . Beg. Of year amount: 0. End of year amount: 50,000.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | 0 |
| IRS990EZ/BenefitsPaidToOrForMembersAmt | 0 | 289 |
| IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | RAYMOND KING |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 4065358373 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 163 FOOD FARM AVENUE |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | HARLEM |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MT |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 59526 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 204390 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 205417 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 137000 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 51519 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 47233 |
| IRS990EZ/FiledScheduleAInd | 0 | 1 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 204390 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 313928 |
| IRS990EZ/GrossReceiptsAmt | 0 | 156272 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/InvestmentIncomeAmt | 0 | 1885 |
| IRS990EZ/LobbyingActivitiesInd | 0 | 0 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 204390 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 255909 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 204390 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 255909 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 5.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 5.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 40.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 40.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 19905 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 19904 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | HARLAN MOUNT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | ELEANOR YELLOWROBE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | JENNIFER PEREZ COLE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | KATHLEEN ADAMS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | MARGEY BELL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | LORETTA BELL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | RAY KING |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | VICE PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | SECRETARY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | EXECUTIVE DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | EXECUTIVE DIRECTOR |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 0 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 108511 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 17422 |
| IRS990EZ/OtherRevenueTotalAmt | 0 | 1937 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | TO PROVIDE RESPONSIBLE, AFFORDABLE LENDING OPPORTUNITIES FOR 'UNDER-BANKED' INDIVIDUALS, ESPCIALLY THOSE WHO ARE LOW-INCOME AND LOW-WEALTH. NACA WILL ALSO OFFER TECHNICAL ASSISTANCE THROUGH FINANCIAL LITERACY TRAINING, CREDIT COACHING, SMALL BUSINESS AND AGRI-BUSINESS TRAINING. |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 15450 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | DEVELOPMENT SERVICES- OPERATE AS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION TO CLIENTS |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 137000 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 104753 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 39809 |
| IRS990EZ/SchoolOperatingInd | 0 | 0 |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 58019 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TaxImposedOnOrganizationMgrAmt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4911Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4912Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4955Amt | 0 | 0 |
| IRS990EZ/TaxReimbursedByOrganizationAmt | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 104753 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 104753 |
| IRS990EZ/TotalRevenueAmt | 0 | 156272 |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | 0 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | N/A |
| IRS990ScheduleA/First5Years170Ind | 0 | X |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 152450 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 152450 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt | 0 | 1885 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt | 0 | 1885 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 152450 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 152450 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 152450 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 154335 |
| IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorNum | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt | 0 | RESTRICTED |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DESCRIPTION: INTEREST ON LOANS . AMOUNT: 1,885. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: OTHER INCOME . AMOUNT: 1,937. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | DESCRIPTION: ADVERTISING . AMOUNT: 295. DESCRIPTION: FEES AND LICENSES . AMOUNT: 440. DESCRIPTION: DUES AND SUBSCRIPTIONS . AMOUNT: 3,773. DESCRIPTION: MISCELLANEOUS . AMOUNT: 115. DESCRIPTION: TRAVEL/CONFERENCES . AMOUNT: 11,553. DESCRIPTION: SUPPLIES . AMOUNT: 20. DESCRIPTION: OFFICE EXPENSE. AMOUNT: 1,226. TOTAL TO FORM 990-EZ, LINE 16: 17,422. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | DESCRIPTION: RECEIVABLES . BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 108,511. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | DESCRIPTION: PAYROLL LIABILITIES . BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 8,019. DESCRIPTION: NOTES PAYABLE . BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 50,000. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. |
| ReturnHeader/BuildTS | 0 | 2022-09-23 18:48:47Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | RAYMOND KING |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | EXECUTIVE DIRECTOR |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4065358373 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2021-08-16 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | NAKODA-AANIIH CREDIT AGENCY |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | NAKO |
| ReturnHeader/Filer/EIN | 0 | 832589396 |
| ReturnHeader/Filer/PhoneNum | 0 | 4065358373 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 163 FOOD FARM AVENUE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | HARLEM |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MT |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 59526 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 810385940 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | ANDERSON ZURMUEHLEN & CO PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 330 4TH STREET |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | HAVRE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MT |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 59501 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 4062656724 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2021-08-16 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | CHAD J MILLER CPA |
| ReturnHeader/ReturnTs | 0 | 2021-08-16T16:49:15-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2019-10-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2020-09-30 |
| ReturnHeader/TaxYr | 0 | 2019 |
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