Civic Intelligence

Small Business Empowerment Fund Cdfi

EIN 85-3225961 • 501(c)3 • Wildwood, MO

Profile

A community development financial institution or community development finance institution - abbreviated in both cases to CDFI - is a financial institution that provides credit and financial services to underserved markets and populations, primarily in the St. Louis City and county.

1808 Sagez CtWildwood, MO 63011

stlouissbec.org

Siviq Scores

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

Liabilities / Assets

47th percentile

0.05x

Higher debt load relative to assets than 47% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

43rd percentile

0.05x

Higher debt load relative to revenue than 43% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Net Margin

85th percentile

40%

Higher net margin than 85% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

40th percentile

$0

Higher top officer pay than 40% of similar nonprofits.

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

501(c)3 • $1M-$5M nonprofits • Source year 2025

Asset Growth

92nd percentile

68%

Faster asset growth than 92% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

94th percentile

160%

Faster revenue growth than 94% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$760,058

Up $508,970 (+203%) from 2023

Liabilities

Up

$62,000

Up $61,537 (+13291%) from 2023

Net Assets

Up

$698,058

Up $447,433 (+179%) from 2023

Operations
Liabilities / Revenue43rd percentileNet Margin85th percentile

Revenue

Up

$500,731

Up $373,951 (+295%) from 2023

Expenses

Up

$53,298

Up $52,788 (+10351%) from 2023

Net Income

Up

$447,433

Up $321,163 (+254%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth92nd percentile

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

$800K$600K$400K$200K$0Assets 2022: $128,586Liabilities 2022: $4,231Net Assets 2022: $124,3552022Assets 2023: $251,088Liabilities 2023: $463Net Assets 2023: $250,6252023Assets 2024: $760,058Liabilities 2024: $62,000Net Assets 2024: $698,0582024

Highlighted filing

2024

Assets$760,058
Liabilities$62,000
Net Assets$698,058
Open 2024 Filing

Operations Trend

Revenue Growth94th percentile

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

$600K$400K$200K$0Revenue 2022: $125,285Expenses 2022: $519Net Income 2022: $124,7662022Revenue 2023: $126,780Expenses 2023: $510Net Income 2023: $126,2702023Revenue 2024: $500,731Expenses 2024: $53,298Net Income 2024: $447,4332024

Highlighted filing

2024

Revenue$500,731
Expenses$53,298
Net Income$447,433
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$760,058
Liabilities
$62,000
Net assets
$698,058
Revenue
$500,731
Expenses
$53,298
Net income
$447,433
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$7.60$0.62$6.98$5.01$0.53$4.47
2023Detailed filing. Detailed filing data is available for this year.$2.51$0.00$2.51$1.27$0.01$1.26
2022Detailed filing. Detailed filing data is available for this year.$1.29$0.04$1.24$1.25$0.01$1.25
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 24, 2025
Return Version
2024v5.0
Gross Receipts
$500,731
Mission and Program Overview

Mission

A community development financial institution or community development finance institution - abbreviated in both cases to CDFI - is a financial institution that provides credit and financial services to underserved markets and populations, primarily in the St. Louis City and county.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$125,300$741,572▲ $616,272
Other Notes and Loans Receivable, Net$125,788$18,486▼ $107,302
Total Assets$251,088$760,058▲ $508,970
Liabilities
Other Liabilities$463$62,000▲ $61,537
Total Liabilities$463$62,000▲ $61,537
Net Assets / Fund Balance
Net Assets With Donor Restrictions$0$500,000▲ $500,000
Net Assets Without Donor Restrictions$250,625$198,058▼ $52,567
Total Net Assets Fund Balance$250,625$698,058▲ $447,433
Total Liabilities and Net Assets / Fund Balance$251,088$760,058▲ $508,970
Compensation and Service Providers
Top Officer Pay40th percentile

Board Members and Trustees

NameTitle
Alan RichterChairman
Reginald ScottCo Chair
Cheryl WalkerBoard Member
Craig HigginsBoard Member
Denise PhillipsBoard Member
Dr Joe FrankBoard Member
John HendersonBoard Member
Lorraine McKinneyBoard Member
Mitchell WashingtonBoard Member
Kevin WilsonProgram Director
Michelle StuckeyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$500,463
Program Service Revenue
$0
Investment Income
$268
Other Revenue
$0
All Other Contributions
$500,463
Change in Net Assets
$447,433
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$53,298
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$52,788$0$0$52,788
Office Expenses-$510-$510
Total Functional Expenses$52,788$510$0$53,298
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Loan - Small Business Empowerment Center$62,000
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
No
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, Part VI, Section B, Line 11B

“The finance committee members are sent a copy of the IRS form 990 to review prior to filing.”

Form 990, Part VI, Section B, Line 12C

“Conflicts are disclosed and discussed as they arise.”

Form 990, Part VI, Section B, Line 15

“Salaries of top management officials and other employees are tested for consistency with survey data for similar positions and are approved as part of the board's approval of the annual budget.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflicts of interest policy and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Small Business Empowerment Fund Cdfi
EIN
85-3225961
Phone
3142411697
Address
1808 Sagez Ct, Wildwood, MO 63011

Signing Officer

Name
Kevin Wilson
Title
Program Director
Phone
3142411697
Signed
2025-04-24

Organization Details

Principal Officer
Kevin Wilson
Formed
2020
Legal Domicile
Mo
Voting Board Members
11
Independent Board Members
10
Employees
0
Volunteers
10
Raw XML Appendix389 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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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The finance committee members are sent a copy of the IRS form 990 to review prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Conflicts are disclosed and discussed as they arise.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Salaries of top management officials and other employees are tested for consistency with survey data for similar positions and are approved as part of the board's approval of the annual budget.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Governing documents, conflicts of interest policy and financial statements are available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MO
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0251088
IRS990/TotalAssetsEOYAmt0760058
IRS990/TotalAssetsGrp/BOYAmt0251088
IRS990/TotalAssetsGrp/EOYAmt0760058
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0500463
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0510
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt052788
IRS990/TotalFunctionalExpensesGrp/TotalAmt053298
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0463
IRS990/TotalLiabilitiesEOYAmt062000
IRS990/TotalLiabilitiesGrp/BOYAmt0463
IRS990/TotalLiabilitiesGrp/EOYAmt062000
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0250625
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0698058
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt052788
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0268
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0500731
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0251088
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0760058
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01808 Sagez Ct
IRS990/USAddress/CityNm0Wildwood
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd063011
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt010
IRS990/WebsiteAddressTxt0https://stlouissbec.org
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Kevin Wilson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Program Director
ReturnHeader/BusinessOfficerGrp/PhoneNum03142411697
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SMALL BUSINESS EMPOWERMENT FUND CDFI
ReturnHeader/Filer/BusinessNameControlTxt0SMAL
ReturnHeader/Filer/EIN0853225961
ReturnHeader/Filer/PhoneNum03142411697
ReturnHeader/Filer/USAddress/AddressLine1Txt01808 Sagez Ct
ReturnHeader/Filer/USAddress/CityNm0Wildwood
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd063011
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-04-24T21:31:50-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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