Civic Intelligence

Nakoda-Aaniiih Credit Agency

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.

163 Food Farm AvenueHarlem, MT 59526

n/A

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.18x

Higher debt load relative to assets than 82% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2020

Liabilities / Revenue

90th percentile

0.37x

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

501(c)3 • <$500k nonprofits • Source year 2020

Net Margin

83rd percentile

33%

Higher net margin than 83% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2020

Top Officer Pay

87th percentile

$19,905

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 12.7% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2020

Asset Growth

87th percentile

54%

Faster asset growth than 87% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

Revenue Growth

31st percentile

-24%

Faster revenue growth than 31% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

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

Trend Graphs

Balance Sheet Trend

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

$400K$300K$200K$100K$0Assets 2019: $204,390Liabilities 2019: $0Net Assets 2019: $204,3902019Assets 2020: $313,928Liabilities 2020: $58,019Net Assets 2020: $255,9092020

Highlighted filing

2020

Assets$313,928
Liabilities$58,019
Net Assets$255,909

Operations Trend

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

$300K$200K$100K$0Revenue 2019: $205,050Expenses 2019: $660Net Income 2019: $204,3902019Revenue 2020: $156,272Expenses 2020: $104,753Net Income 2020: $51,5192020

Highlighted filing

2020

Revenue$156,272
Expenses$104,753
Net Income$51,519

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2019 to Sep 30, 2020
Signed
Aug 16, 2021
Return Version
2019v5.2
Gross Receipts
$156,272
Mission and Program Overview

Mission

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.

Program Services

DescriptionGrantsExpenses
DEVELOPMENT SERVICES- OPERATE AS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION TO CLIENTS$137,000$104,753
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
LORETTA BELLExecutive DirectorFT$19,905-$19,905
RAY KINGExecutive DirectorFT$19,904-$19,904
HARLAN MOUNTDirector-$0--
ELEANOR YELLOWROBEPresidentPT$0--
JENNIFER PEREZ COLEVice PresidentPT$0--
KATHLEEN ADAMSSecretary-$0--
MARGEY BELLTreasurer-$0--
Filing and Contact Details

Filer

Filer Name
Nakoda-aaniih Credit Agency
EIN
83-2589396
Phone
4065358373
Address
163 FOOD FARM AVENUE, HARLEM, MT 59526

Signing Officer

Name
Raymond King
Title
Executive Director
Phone
4065358373
Signed
2021-08-16
Discuss with paid preparer
Yes

Preparer

Firm
Anderson Zurmuehlen & Co Pc
Address
330 4TH STREET, HAVRE, MT 59501
Preparer
Chad J Miller CPA
Phone
4062656724
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 4 - Other Investment Income

Description: interest on loans . Amount: 1,885.

Form 990-ez, Part I, Line 8 - Other Revenue

Description: other income . Amount: 1,937.

Form 990-ez, Part I, Line 16 - Other Expenses

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.

Form 990-ez, Part II, Line 24 - Other Assets

Description: receivables . Beg. Of year amount: 0. End of year amount: 108,511.

Form 990-ez, Part II, Line 26 - Other Liabilities

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.

Raw XML Appendix170 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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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0HARLAN MOUNT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1ELEANOR YELLOWROBE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2JENNIFER PEREZ COLE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3KATHLEEN ADAMS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4MARGEY BELL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5LORETTA BELL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6RAY KING
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2VICE PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5EXECUTIVE DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6EXECUTIVE DIRECTOR
IRS990EZ/OperateHospitalInd00
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IRS990EZ/OrganizationDissolvedEtcInd00
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IRS990ScheduleA/First5Years170Ind0X
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IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST ON LOANS . AMOUNT: 1,885.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: OTHER INCOME . AMOUNT: 1,937.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DESCRIPTION: 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/ExplanationTxt3DESCRIPTION: RECEIVABLES . BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 108,511.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DESCRIPTION: 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/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE 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/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0RAYMOND KING
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum04065358373
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-08-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NAKODA-AANIIH CREDIT AGENCY
ReturnHeader/Filer/BusinessNameControlTxt0NAKO
ReturnHeader/Filer/EIN0832589396
ReturnHeader/Filer/PhoneNum04065358373
ReturnHeader/Filer/USAddress/AddressLine1Txt0163 FOOD FARM AVENUE
ReturnHeader/Filer/USAddress/CityNm0HARLEM
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MT
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810385940
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ANDERSON ZURMUEHLEN & CO PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0330 4TH STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0HAVRE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd059501
ReturnHeader/PreparerPersonGrp/PhoneNum04062656724
ReturnHeader/PreparerPersonGrp/PreparationDt02021-08-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHAD J MILLER CPA
ReturnHeader/ReturnTs02021-08-16T16:49:15-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02019-10-01
ReturnHeader/TaxPeriodEndDt02020-09-30
ReturnHeader/TaxYr02019

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