Civic Intelligence

Utah Microenterprise Loan Fund

990 • Fiscal year 2022 • EIN 87-0495534

Oct 01, 2021 to Sep 30, 2022 • Filed on Jun 14, 2023

Organization ProfileWWW.UMLF.COM
154 East Ford Avenue Ste ASalt Lake City, UT 84115

(801) 746-1180

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

90th percentile

0.74x

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

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Liabilities / Revenue

96th percentile

4.55x

Higher debt load relative to revenue than 96% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Net Margin

14th percentile

-22%

Higher net margin than 14% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Top Officer Pay

71st percentile

$105,300

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 13.4% of source-year revenue.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2022

Asset Growth

17th percentile

-11%

Faster asset growth than 17% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Revenue Growth

58th percentile

12%

Faster revenue growth than 58% of similar nonprofits.

2022 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets90th percentile

Assets

Down

$4,809,581

Down $612,200 (-11%) from 2021

Net Assets

Down

$1,240,731

Down $172,195 (-12%) from 2021

Liabilities

Down

$3,568,850

Down $440,005 (-11%) from 2021

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin14th percentile

Revenue

Up

$784,855

Up $83,366 (+12%) from 2021

Expenses

Up

$957,050

Up $34,248 (+3.7%) from 2021

Net Income

Up

-$172,195

Up $49,118 (+22%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth17th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$8.0M$6.0M$4.0M$2.0M$0Assets 2011: $4,579,766Liabilities 2011: $2,520,148Net Assets 2011: $2,059,6182011Assets 2012: $5,464,369Liabilities 2012: $2,766,060Net Assets 2012: $2,698,3092012Assets 2013: $5,592,338Liabilities 2013: $2,867,599Net Assets 2013: $2,724,7392013Assets 2014: $5,489,860Liabilities 2014: $2,764,116Net Assets 2014: $2,725,7442014Assets 2015: $5,466,544Liabilities 2015: $2,717,204Net Assets 2015: $2,749,3402015Assets 2016: $5,491,535Liabilities 2016: $2,963,967Net Assets 2016: $2,527,5682016Assets 2017: $6,367,158Liabilities 2017: $4,204,273Net Assets 2017: $2,162,8852017Assets 2018: $6,539,239Liabilities 2018: $4,518,209Net Assets 2018: $2,021,0302018Assets 2019: $6,963,256Liabilities 2019: $5,042,891Net Assets 2019: $1,920,3652019Assets 2020: $6,216,254Liabilities 2020: $4,582,015Net Assets 2020: $1,634,2392020Assets 2021: $5,421,781Liabilities 2021: $4,008,855Net Assets 2021: $1,412,9262021Assets 2022: $4,809,581Liabilities 2022: $3,568,850Net Assets 2022: $1,240,7312022Assets 2023: $3,991,904Liabilities 2023: $3,276,458Net Assets 2023: $715,4462023Assets 2024: $2,697,693Liabilities 2024: $2,574,332Net Assets 2024: $123,3612024

Highlighted filing

2022

Assets$4,809,581
Liabilities$3,568,850
Net Assets$1,240,731
Open 2022 Filing

Operations Trend

Revenue Growth58th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500K-$1.0MExpenses 2011: $641,8252011Expenses 2012: $477,5512012Expenses 2013: $580,1822013Revenue 2014: $508,089Expenses 2014: $507,084Net Income 2014: $1,0052014Revenue 2015: $524,167Expenses 2015: $500,571Net Income 2015: $23,5962015Revenue 2016: $442,197Expenses 2016: $663,969Net Income 2016: -$221,7722016Revenue 2017: $580,099Expenses 2017: $944,782Net Income 2017: -$364,6832017Revenue 2018: $622,103Expenses 2018: $763,958Net Income 2018: -$141,8552018Revenue 2019: $645,035Expenses 2019: $740,783Net Income 2019: -$95,7482019Revenue 2020: $723,980Expenses 2020: $1,010,106Net Income 2020: -$286,1262020Revenue 2021: $701,489Expenses 2021: $922,802Net Income 2021: -$221,3132021Revenue 2022: $784,855Expenses 2022: $957,050Net Income 2022: -$172,1952022Revenue 2023: $547,707Expenses 2023: $1,072,992Net Income 2023: -$525,2852023Revenue 2024: $550,159Expenses 2024: $1,142,244Net Income 2024: -$592,0852024

Highlighted filing

2022

Revenue$784,855
Expenses$957,050
Net Income-$172,195
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2021 to Sep 30, 2022
Signed
Jun 14, 2023
Return Version
2021v4.1
Gross Receipts
$784,855
Mission and Program Overview

Mission

Provide funding and management assistance to new and existing businesses that are not able to access traditional sources of funding; including those who are members of the low/moderate income community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,220,543$2,093,872▼ $126,671
Investments Program Related$1,365,469$1,801,207▲ $435,738
Cash and Non-Interest-Bearing Accounts$1,493,381$646,766▼ $846,615
Land, Buildings, and Equipment, Net$232,389$218,371▼ $14,018
Pledges and Grants Receivable$98,905$37,253▼ $61,652
Accounts Receivable$521$572▲ $51
Other Notes and Loans Receivable, Net-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$5,421,781$4,809,581▼ $612,200
Other Assets Total$10,573$11,540▲ $967
Liabilities
Mortgage Notes Payable Secured by Investment Property$3,611,342$3,344,907▼ $266,435
Deferred Revenue$299,061$121,798▼ $177,263
Accounts Payable and Accrued Expenses$96,431$99,141▲ $2,710
Other Liabilities$2,021$3,004▲ $983
Total Liabilities$4,008,855$3,568,850▼ $440,005
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,340,962$1,230,557▼ $110,405
Net Assets With Donor Restrictions$71,964$10,174▼ $61,790
Total Net Assets Fund Balance$1,412,926$1,240,731▼ $172,195
Total Liabilities and Net Assets / Fund Balance$5,421,781$4,809,581▼ $612,200

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$162,200$273,777$435,977
Equipment$1,971$54,309$56,280
Land$54,200-$54,200
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Doug KeefeExecutive DirectorFT$92,057$13,243$105,300
Danielle LowerPrior Exec. DirectorFT$51,211$4,824$56,035

Board Members and Trustees

NameTitle
Ryan JonesChair
Roger ChristensenPast Chair
David YoungBoard Member
Don PoultonBoard Member
Doug LundBoard Member
Jennifer WeldingBoard Member
Jim HerrinBoard Member
Jim WelchBoard Member
Joe EyreBoard Member
John TaudteBoard Member
Lynette McelprangBoard Member
Mike WeaverBoard Member
Robert ChristensenBoard Member
Sam RobertsBoard Member
Seth WheatleyBoard Member
Todd JonesBoard Member
Matthew RenlundBoard Memebr
Lori FikeSecretary
Eric MarxTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$546,895
Program Service Revenue
$231,834
Investment Income
$3,926
Other Revenue
$2,200
All Other Contributions
$473,525
Change in Net Assets
$-172,195

Audited Revenue Reconciliation

Revenue per Audited Statements
$784,855
Total Revenue per Audited Statements
$784,855
Total Revenue per Form 990
$784,855
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$534,873
Other Expenses$422,177
Total Fundraising Expense$72,447
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$234,927$88,736$7,743$331,406
Current Officers, Directors, Trustees, and Key Employees$20,198$74,061$40,397$134,656
Fees for Services Other$46,651$28,979$8,330$83,960
Advertising$49,695--$49,695
Interest$49,432--$49,432
Office Expenses$34,666$9,861$4,774$49,301
Payroll Taxes$22,899$14,223$4,089$41,211
Depreciation Depletion$13,523$3,864$1,932$19,319
Fees for Services Accounting-$19,000-$19,000
Occupancy$13,144$3,756$1,878$18,778
Other Employee Benefits$12,555$5,195$685$18,435
Conferences and Meetings$9,204$2,618$1,268$13,090
Pension Plan Contributions$6,616$2,394$155$9,165
Other Expenses$4,327$1,643$795$4,327
Insurance$2,811$803$401$4,015
Total Functional Expenses$629,470$255,133$72,447$957,050

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$957,050
Total Expenses per Audited Statements$957,050
Total Expenses per Form 990$957,050
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Undisbursed Loan Proceeds$3,004
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
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

Form 990, Part VI, Line 11B: Form 990 Review Process

“Form 990 is subject to board review and approval before filing.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The board makes the decision regarding executive director compensation. The executive director determines compensation for other employees. These decisions are approved by the board.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“The governing documents, policies, and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Utah Microenterprise Loan Fund
EIN
87-0495534
Phone
8017461180
Address
154 EAST FORD AVENUE STE A, SALT LAKE CITY, UT 84115

Signing Officer

Name
Doug Keefe
Title
Executive Director
Signed
2023-06-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Doug Keefe
Formed
1991
Legal Domicile
Ut
Voting Board Members
19
Independent Board Members
19
Employees
8
Volunteers
37

Preparer

Firm
Carver Florek & James CPAs
Address
1135 Strand Ave, Missoula, MT 59806
Preparer
Angel Sharp CPA
Phone
4067285539
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2: Change of Oversight or Selection Process

“Executive director requests bids from at least 3 independent auditors and presents all bids to the board of directors for approval and selection.”

Financial Statement Notes

Part IV, Line 1B: Why is organization an agent, trustee, custodian or other intermediary for contrib

“The Fund services loans for a local governmental entity. Besides the loan origination function, the Funds duties with respect to these loans receivable are limited to collection services for a fee. The Fund does not bear any economic risk of loss for these loans and is not the legal owner. Accordingly, the Fund has not recorded these loans in the accompanying financial statements.”

Part X : FIN48 Footnote

“The Fund is organized as a nonprofit corporation in accordance with the laws of the State of Utah and has been recognized by the Internal Revenue Service (IRS) as exempt from federal income taxes under Section 501(a) of the Internal Revenue Code as an organization described in Section 501(c)(3), qualifies for the charitable contribution deduction under Section 170(b)(1)(A)(vi), and has been determined not to be a private foundation under Section 509(a)(1). The Fund is annually required to file a Return of Organization Exempt from Income Tax (Form 990) with the IRS. In addition, the Fund is subject to income tax on net income that is derived from business activities that are unrelated to their exempt purpose. The Fund has determined it is not subject to unrelated business income tax and has not filed an Exempt Organization Business Income Tax Return (Form 990-T) with the IRS. The Fund believes that it has appropriate support for any tax positions taken affecting its annual filing requirements, and as such, does not have any uncertain tax positions that are material to the financial statements. The Fund would recognize future accrued interest and penalties related to unrecognized tax benefits and liabilities in income tax expense if such interest and penalties are incurred.”

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IRS990/Form990PartVIISectionAGrp/PersonNm19JOE EYRE
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Executive Dir.
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRIOR EXEC. DIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2PAST CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt16BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt17BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt18BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt19BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt20BOARD MEMEBR
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IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
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IRS990/GovernmentGrantsAmt073370
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IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
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IRS990/GrantsToOrganizationsInd0false
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IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
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IRS990/InsuranceGrp/ManagementAndGeneralAmt0803
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IRS990/InterestGrp/TotalAmt049432
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03926
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IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt0218371
IRS990/LandBldgEquipCostOrOtherBssAmt0546457
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IRS990/LobbyingActivitiesInd0false
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IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
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IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
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IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
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IRS990/OtherExpensesGrp/Desc2BORROWER SUPPORT, LOAN
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01643
IRS990/OtherExpensesGrp/ProgramServicesAmt0103046
IRS990/OtherExpensesGrp/ProgramServicesAmt15776
IRS990/OtherExpensesGrp/ProgramServicesAmt24327
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IRS990/OtherExpensesGrp/TotalAmt18214
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IRS990/PrincipalOfficerNm0DOUG KEEFE
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Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,809,581
Liabilities
$3,568,850
Net assets
$1,240,731
Revenue
$784,855
Expenses
$957,050
Net income
-$172,195
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.70$2.57$0.12$0.55$1.14$0.59
2023Detailed filing. Detailed filing data is available for this year.$3.99$3.28$0.72$0.55$1.07$0.53
2022Detailed filing. Detailed filing data is available for this year.$4.81$3.57$1.24$0.78$0.96$0.17
2021Detailed filing. Detailed filing data is available for this year.$5.42$4.01$1.41$0.70$0.92$0.22
2020Detailed filing. Detailed filing data is available for this year.$6.22$4.58$1.63$0.72$1.01$0.29
2019Detailed filing. Detailed filing data is available for this year.$6.96$5.04$1.92$0.65$0.74$0.10
2018Detailed filing. Detailed filing data is available for this year.$6.54$4.52$2.02$0.62$0.76$0.14
2017Detailed filing. Detailed filing data is available for this year.$6.37$4.20$2.16$0.58$0.94$0.36
2016Detailed filing. Detailed filing data is available for this year.$5.49$2.96$2.53$0.44$0.66$0.22
2015Detailed filing. Detailed filing data is available for this year.$5.47$2.72$2.75$0.52$0.50$0.02
2014Detailed filing. Detailed filing data is available for this year.$5.49$2.76$2.73$0.51$0.51$0.00
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.59$2.87$2.72$0.58
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.46$2.77$2.70$0.48
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.58$2.52$2.06$0.64