Civic Intelligence

Upi Loan Fund

EIN 85-3830585 • Phoenix, AZ

990-N Coverage
Phoenix, AZ

upiloanfund.us

Siviq Scores

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

Liabilities / Assets

94th percentile

1.08x

Higher debt load relative to assets than 94% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2023

Liabilities / Revenue

97th percentile

2.73x

Higher debt load relative to revenue than 97% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2023

Net Margin

82nd percentile

31%

Higher net margin than 82% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2023

Top Officer Pay

93rd percentile

$48,000

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 35.8% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2023

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2023

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2023

Balance Sheet
Liabilities / Assets94th percentile

Assets

$337,064

No earlier filing loaded for comparison.

Liabilities

$365,640

No earlier filing loaded for comparison.

Net Assets

-$28,576

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue97th percentileNet Margin82nd percentile

Revenue

$134,058

No earlier filing loaded for comparison.

Expenses

$92,578

No earlier filing loaded for comparison.

Net Income

$41,480

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$400K$300K$200K$100K$0-$100KAssets 2023: $337,064Liabilities 2023: $365,640Net Assets 2023: -$28,5762023

Highlighted filing

2023

Assets$337,064
Liabilities$365,640
Net Assets-$28,576
Open 2023 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150K$100K$50K$0Revenue 2023: $134,058Expenses 2023: $92,578Net Income 2023: $41,4802023

Highlighted filing

2023

Revenue$134,058
Expenses$92,578
Net Income$41,480
Open 2023 Filing

Filings

Most recent year

2023 • Form 990EZXML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$337,064
Liabilities
$365,640
Net assets
-$28,576
Revenue
$134,058
Expenses
$92,578
Net income
$41,480
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.37$3.66$0.29$1.34$0.93$0.41
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Jun 3, 2024
Return Version
2023v5.0
Gross Receipts
$134,058
Mission and Program Overview

Mission

To provide low interest loans as a CDFI

Program Services

DescriptionGrantsExpenses
Community development financial Institution (CDFI). Received a grant in 2023 from the U.S. Treasury.-$0
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Frank CrumpPresidentFT$48,000-$48,000
Kerwin BrownExec DirectorPT$1,400-$1,400
Filing and Contact Details

Filer

Filer Name
UPI Loan Fund
EIN
85-3830585
Phone
3105978727
Address
1301 East Washington St Unit 104, Phoenix, AZ 85034

Signing Officer

Name
Frank E Crump
Title
President
Phone
3105978727
Signed
2024-06-03
Discuss with paid preparer
No

Preparer

Firm
Wilbert Guilford CPA
Address
1502 W Willow Ave, Phoenix, AZ 85029
Preparer
Wilbert Guilford
Phone
6022986373
Supplemental Narrative

Additional Explanations

Depreciation

“945”

Interest Expense

“14,743”

Internet & Website

“171”

Loan Servicing

“1,000”

Licenses and Permits

“40”

Meals & Entertainment

“2,999”

Public Relations & Marketing

“5,748”

Supplies

“116”

Travel

“3,511”

Bank Fees

“45”

Other

“271”

Total

“31,026”

Raw XML Appendix216 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.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0Frank Crump
IRS990EZ/BooksInCareOfDetail/PhoneNum03105978727
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01301 East Washington St Unit 104
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Phoenix
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0AZ
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd085034
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0154239
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0312610
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt0125000
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt041480
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt050900
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form720FiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0179873
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0337064
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt0134058
IRS990EZ/InitialReturnInd0X
IRS990EZ/InvestmentIncomeAmt09058
IRS990EZ/LoansToFromOfficersAmt050000
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0-70056
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0-28576
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0-70056
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0-28576
IRS990EZ/OccupancyRentUtltsAndMaintAmt010134
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt035
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt15
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt048000
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt11400
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Frank Crump
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Kerwin Brown
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Exec Director
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationFiled990TInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt025634
IRS990EZ/OtherAssetsTotalDetail/EOYAmt024454
IRS990EZ/OtherExpensesTotalAmt031026
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0To provide low interest loans as a CDFI
IRS990EZ/PrintingPublicationsPostageAmt0518
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Community development financial Institution (CDFI). Received a grant in 2023 from the U.S. Treasury.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/RelatedOrgSect527OrgInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0249929
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0365640
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt092578
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt0134058
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990ScheduleA/DistributableAmountGrp/CYAdjNetIncomeDistributableAmt00
IRS990ScheduleA/DistributableAmountGrp/CYDistributableAsAdjustedAmt00
IRS990ScheduleA/DistributableAmountGrp/CYGreaterAdjustedMinimumAmt00
IRS990ScheduleA/DistributableAmountGrp/CYIncomeTaxImposedPYAmt00
IRS990ScheduleA/DistributableAmountGrp/CYPct85AdjustedNetIncomeAmt00
IRS990ScheduleA/DistributableAmountGrp/CYTotalMinAstDistributableAmt00
IRS990ScheduleA/DistributionAllocationsGrp/CarryoverPYNotAppliedAmt00
IRS990ScheduleA/DistributionAllocationsGrp/CYDistriAppDistributableAmt00
IRS990ScheduleA/DistributionAllocationsGrp/CYDistribAppUnderdistriPYAmt00
IRS990ScheduleA/DistributionAllocationsGrp/CYDistributableAsAdjustedAmt00
IRS990ScheduleA/DistributionAllocationsGrp/CyovAppliedUnderdistrCPYAmt00
IRS990ScheduleA/DistributionAllocationsGrp/CyovAppliedUnderdistriPYAmt00
IRS990ScheduleA/DistributionAllocationsGrp/CYTotalAnnualDistributionsAmt00
IRS990ScheduleA/DistributionAllocationsGrp/ExcessDistributionAmt00
IRS990ScheduleA/DistributionAllocationsGrp/ExcessDistributionCyovAmt00
IRS990ScheduleA/DistributionAllocationsGrp/ExcessDistributionCyovYr1Amt00
IRS990ScheduleA/DistributionAllocationsGrp/ExcessDistributionCyovYr2Amt00
IRS990ScheduleA/DistributionAllocationsGrp/ExcessDistributionCyovYr3Amt00
IRS990ScheduleA/DistributionAllocationsGrp/ExcessDistributionCyovYr4Amt00
IRS990ScheduleA/DistributionAllocationsGrp/ExcessDistributionCyovYr5Amt00
IRS990ScheduleA/DistributionAllocationsGrp/ExcessDistriCyovToNextYrAmt00
IRS990ScheduleA/DistributionAllocationsGrp/ExcessFromYear1Amt00
IRS990ScheduleA/DistributionAllocationsGrp/ExcessFromYear2Amt00
IRS990ScheduleA/DistributionAllocationsGrp/ExcessFromYear3Amt00
IRS990ScheduleA/DistributionAllocationsGrp/ExcessFromYear4Amt00
IRS990ScheduleA/DistributionAllocationsGrp/ExcessFromYear5Amt00
IRS990ScheduleA/DistributionAllocationsGrp/RemainingUnderdistriCYAmt00
IRS990ScheduleA/DistributionAllocationsGrp/RemainingUnderdistriPYAmt00
IRS990ScheduleA/DistributionAllocationsGrp/TotalExcessDistributionCyovAmt00
IRS990ScheduleA/DistributionAllocationsGrp/UnderdistributionsAmt00
IRS990ScheduleA/DistributionsGrp/CYAdministrativeExpensePaidAmt00
IRS990ScheduleA/DistributionsGrp/CYDistriAttentiveSuprtOrgAmt00
IRS990ScheduleA/DistributionsGrp/CYDistributableAsAdjustedAmt00
IRS990ScheduleA/DistributionsGrp/CYDistributionYrRt00
IRS990ScheduleA/DistributionsGrp/CYOtherDistributionsAmt00
IRS990ScheduleA/DistributionsGrp/CYPaidAccomplishExemptPrpsAmt00
IRS990ScheduleA/DistributionsGrp/CYPdInExcessIncomeActivityAmt00
IRS990ScheduleA/DistributionsGrp/CYTotalAnnualDistributionsAmt00
IRS990ScheduleA/DistributionsGrp/ExemptUseAssetsAcquisPaidAmt00
IRS990ScheduleA/DistributionsGrp/QualifiedSetAsideAmt00
IRS990ScheduleA/First5Years170Ind0X
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0125000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt05000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0130000
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt010307
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt04727
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt01585
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt016619
IRS990ScheduleA/MinimumAssetAmountGrp/AcquisitionIndebtednessGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AdjustedFMVLessIndebtednessGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AverageMonthlyCashBalancesGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/AverageMonthlyFMVOfSecGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/CashDeemedCharitableGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/DiscountClaimedAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/FMVOtherNonExemptUseAssetGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/NetVlNonExemptUseAssetsGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/PctOfNetVlNonExemptUseAstGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/RecoveriesPYDistriMinAssetGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/TotalFMVOfNonExemptUseAssetGrp/CurrentYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/TotalFMVOfNonExemptUseAssetGrp/PriorYearAmt00
IRS990ScheduleA/MinimumAssetAmountGrp/TotalMinimumAssetGrp/PriorYearAmt00
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportTotal170Amt0130000
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0125000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt05000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0130000
IRS990ScheduleA/TotalSupportAmt0146619
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt050000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Cash Flow
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt050000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Frank Crump
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0President
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0false
IRS990ScheduleL/TotalBalanceDueAmt050000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0945
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt114,743
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2171
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt31,000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt440
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt52,999
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt65,748
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7116
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt83,511
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt945
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10271
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1131,026
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Depreciation
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Interest Expense
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Internet & Website
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Loan Servicing
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Licenses and Permits
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Meals & Entertainment
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Public Relations & Marketing
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Supplies
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Travel
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Bank Fees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Other
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Total
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Frank E Crump
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum03105978727
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-06-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UPI Loan Fund
ReturnHeader/Filer/BusinessNameControlTxt0UPIL
ReturnHeader/Filer/EIN0853830585
ReturnHeader/Filer/PhoneNum03105978727
ReturnHeader/Filer/USAddress/AddressLine1Txt01301 East Washington St Unit 104
ReturnHeader/Filer/USAddress/CityNm0Phoenix
ReturnHeader/Filer/USAddress/StateAbbreviationCd0AZ
ReturnHeader/Filer/USAddress/ZIPCd085034
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0550859072
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Wilbert Guilford CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01502 W Willow Ave
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Phoenix
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0AZ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd085029
ReturnHeader/PreparerPersonGrp/PhoneNum06022986373
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Wilbert Guilford
ReturnHeader/ReturnTs02024-06-13T14:02:00-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0Frank E
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0Crump
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

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