Civic Intelligence

Cdfi Friendly South Bend

EIN 85-0614678 • 501(c)3 • South Bend, IN

Pub. 78 Eligible

Profile

To improve the economic conditions of its lower income residents, by assisting community development financial institutions and other organizations to provide low cost, accessible, flexible, affordable financing for housing, job development, charitable and educational services

2740 Miami StSouth Bend, IN 46614

www.cdfifriendlysouthbend.org

Siviq Scores

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

Liabilities / Assets

61st percentile

0.05x

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

501(c)3 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

80th percentile

0.24x

Higher debt load relative to revenue than 80% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Net Margin

63rd percentile

12%

Higher net margin than 63% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

86th percentile

$99,949

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 46.2% of source-year revenue.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Asset Growth

62nd percentile

8.4%

Faster asset growth than 62% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

3rd percentile

-69%

Faster revenue growth than 3% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets61st percentile

Assets

Up

$991,335

Up $76,959 (+8.4%) from 2023

Liabilities

Up

$52,904

Up $51,116 (+2859%) from 2023

Net Assets

Up

$938,431

Up $25,843 (+2.8%) from 2023

Operations
Liabilities / Revenue80th percentileNet Margin63rd percentile

Revenue

Down

$216,417

Down $470,938 (-69%) from 2023

Expenses

Up

$190,574

Up $54,871 (+40%) from 2023

Net Income

Down

$25,843

Down $525,809 (-95%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth62nd percentile

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

$1.0M$500K$0Assets 2021: $444,832Liabilities 2021: $22,000Net Assets 2021: $422,8322021Assets 2022: $362,537Liabilities 2022: $1,601Net Assets 2022: $360,9362022Assets 2023: $914,376Liabilities 2023: $1,788Net Assets 2023: $912,5882023Assets 2024: $991,335Liabilities 2024: $52,904Net Assets 2024: $938,4312024

Highlighted filing

2024

Assets$991,335
Liabilities$52,904
Net Assets$938,431
Open 2024 Filing

Operations Trend

Revenue Growth3rd percentile

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

$800K$600K$400K$200K$0-$200KRevenue 2021: $566,360Expenses 2021: $143,606Net Income 2021: $422,7542021Revenue 2022: $58,250Expenses 2022: $120,146Net Income 2022: -$61,8962022Revenue 2023: $687,355Expenses 2023: $135,703Net Income 2023: $551,6522023Revenue 2024: $216,417Expenses 2024: $190,574Net Income 2024: $25,8432024

Highlighted filing

2024

Revenue$216,417
Expenses$190,574
Net Income$25,843
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$991,335
Liabilities
$52,904
Net assets
$938,431
Revenue
$216,417
Expenses
$190,574
Net income
$25,843
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$9.91$0.53$9.38$2.16$1.91$0.26
2023Detailed filing. Detailed filing data is available for this year.$9.14$0.02$9.13$6.87$1.36$5.52
2022Detailed filing. Detailed filing data is available for this year.$3.63$0.02$3.61$0.58$1.20$0.62
2021Detailed filing. Detailed filing data is available for this year.$4.45$0.22$4.23$5.66$1.44$4.23
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.1
Gross Receipts
$216,417
Mission and Program Overview

Mission

To improve the economic conditions of its lower income residents, by assisting community development financial institutions and other organizations to provide low cost, accessible, flexible, affordable financing for housing, job development, charitable and educational services

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$827,149$905,966▲ $78,817
Other Notes and Loans Receivable, Net$28,000$56,000▲ $28,000
Cash and Non-Interest-Bearing Accounts$57,727$27,869▼ $29,858
Accounts Receivable$1,500$1,500→ $0
Total Assets$914,376$991,335▲ $76,959
Liabilities
Deferred Revenue-$50,000-
Accounts Payable and Accrued Expenses$1,788$2,904▲ $1,116
Total Liabilities$1,788$52,904▲ $51,116
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$912,588$938,431▲ $25,843
Total Net Assets Fund Balance$912,588$938,431▲ $25,843
Total Liabilities and Net Assets / Fund Balance$914,376$991,335▲ $76,959
Compensation and Service Providers
Top Officer Pay86th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Sam CentellasExecDirectorFT$99,949$99,949

Board Members and Trustees

NameTitle
Anne MannixChair
Manjima BoseVice President
Angela LoganDirector
Breanna AllenDirector
Carlos BoldenDirector
Denise GrahamDirector
Lisa MayorgaDirector
Nicola BrownDirector
Paula SoursDirector
Ryan BellDirector
Sheila SieradzkiDirector
Bryan OlundTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$186,070
Program Service Revenue
$0
Investment Income
$30,347
Other Revenue
$0
Change in Net Assets
$25,843
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$108,015
Other Expenses$82,559
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$99,949--$99,949
Fees for Services Other$20,710--$20,710
Advertising$11,921--$11,921
Office Expenses-$10,075-$10,075
Payroll Taxes$8,066--$8,066
Travel$8,029--$8,029
Fees for Services Accounting-$4,985-$4,985
Fees for Services Legal$3,178--$3,178
Other Expenses$2,208--$2,208
Information Technology$1,050--$1,050
Total Functional Expenses$175,514$15,060$0$190,574
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
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

Management duties delegation Part VI line 3

“The principal of a consulting firm serves as the executive director.”

Form 990 governing body review Part VI line 11

“The return was presented and discussed at regular board meeting”

Conflict of interest policy compliance Part VI line 12C

“Board reviews director associations with annual review.”

CEO executive director top management comp Part VI line 15A

“Board reviewed compensation for persons with similar duties and responsibilities”

Other officer or key employee compensation Part VI line 15B

“Board reviewed compensation for persons with similar duties and responsibilities”

Governing documents etc available to public Part VI line 19

“All governing documents are made available to the general public upon request.”

Filing and Contact Details

Filer

Filer Name
CDFI Friendly of South Bend Inc
EIN
85-0614678
In Care Of
% Sam Centellas
Phone
6166100042
Address
2740 Miami St, South Bend, IN 46614

Signing Officer

Name
Sam Centellas
Title
Executive Director
Phone
6166100042
Signed
2025-05-15
Discuss with paid preparer
Yes

Organization Details

Formed
2020
Legal Domicile
In
Voting Board Members
15
Independent Board Members
15
Employees
1
Volunteers
10

Preparer

Firm
Christine A Lauber CPA
Address
215 W Madison Street, South Bend, IN 46601
Preparer
Christine a Lauber
Phone
5742767241
Supplemental Narrative

Additional Explanations

List of other fees for services expenses Part IX line 11G

“The organization is in a startup phase and these companies are assisting in startup of operations”

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The principal of a consulting firm serves as the executive director.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The return was presented and discussed at regular board meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Board reviews director associations with annual review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Board reviewed compensation for persons with similar duties and responsibilities
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Board reviewed compensation for persons with similar duties and responsibilities
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5All governing documents are made available to the general public upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The organization is in a startup phase and these companies are assisting in startup of operations
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6List of other fees for services expenses Part IX line 11g
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SAM CENTELLAS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Executive Director
ReturnHeader/BusinessOfficerGrp/PhoneNum06166100042
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CDFI Friendly of South Bend Inc
ReturnHeader/Filer/BusinessNameControlTxt0CDFI
ReturnHeader/Filer/EIN0850614678
ReturnHeader/Filer/InCareOfNm0% Sam Centellas
ReturnHeader/Filer/PhoneNum06166100042
ReturnHeader/Filer/USAddress/AddressLine1Txt02740 Miami St
ReturnHeader/Filer/USAddress/CityNm0South Bend
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IN
ReturnHeader/Filer/USAddress/ZIPCd046614
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Christine A Lauber CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0215 W Madison Street
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0South Bend

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