Civic Intelligence

Americans for Lending Equity

990 • Fiscal year 2023 • EIN 87-1030850

Jan 01, 2023 to Dec 31, 2023 • Filed on Nov 15, 2024

Organization ProfileN/A
8000 Maryland Ave Ste 1120Saint Louis, MO 63105

(314) 863-6112

Siviq Scores

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

Liabilities / Assets

56th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2023 filings • 501(c)4 • <$500k nonprofits • Source year 2023

Liabilities / Revenue

56th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2023 filings • 501(c)4 • <$500k nonprofits • Source year 2023

Net Margin

33rd percentile

-5.4%

Higher net margin than 33% of similar nonprofits.

2023 filings • 501(c)4 • <$500k nonprofits • Source year 2023

Top Officer Pay

87th percentile

$0

Higher top officer pay than 87% of similar nonprofits.

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

2023 filings • 501(c)4 • <$500k nonprofits • Source year 2023

Asset Growth

19th percentile

-20%

Faster asset growth than 19% of similar nonprofits.

2023 filings • 501(c)4 • <$500k nonprofits • Annualized from 2022 to 2023

Revenue Growth

80th percentile

33%

Faster revenue growth than 80% of similar nonprofits.

2023 filings • 501(c)4 • <$500k nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets56th percentile

Assets

Down

$87,559

Down $21,455 (-20%) from 2022

Net Assets

Down

$87,559

Down $21,455 (-20%) from 2022

Liabilities

Flat

$0

Flat from 2022

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin33rd percentile

Revenue

Up

$398,500

Up $98,500 (+33%) from 2022

Expenses

Up

$419,955

Up $198,887 (+90%) from 2022

Net Income

Down

-$21,455

Down $100,387 (-127%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth19th percentile

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

$150K$100K$50K$0Assets 2021: $30,082Net Assets 2021: $30,0822021Assets 2022: $109,014Liabilities 2022: $0Net Assets 2022: $109,0142022Assets 2023: $87,559Liabilities 2023: $0Net Assets 2023: $87,5592023Assets 2024: $15,141Liabilities 2024: $0Net Assets 2024: $15,1412024

Highlighted filing

2023

Assets$87,559
Liabilities$0
Net Assets$87,559
Open 2023 Filing

Operations Trend

Revenue Growth80th percentile

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

$600K$400K$200K$0-$200KRevenue 2021: $125,000Expenses 2021: $94,918Net Income 2021: $30,0822021Revenue 2022: $300,000Expenses 2022: $221,068Net Income 2022: $78,9322022Revenue 2023: $398,500Expenses 2023: $419,955Net Income 2023: -$21,4552023Revenue 2024: $333,000Expenses 2024: $405,418Net Income 2024: -$72,4182024

Highlighted filing

2023

Revenue$398,500
Expenses$419,955
Net Income-$21,455
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 15, 2024
Return Version
2023v5.0
Gross Receipts
$398,500
Mission and Program Overview

Mission

To further the common good and general welfare of the citizens of the united states of america, and will be operated primarily for the purpose of bringing about civic betterments and social improvements, including by educating the public on the importance of maintaining equity in the banking and lending industries.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$109,014$87,559▼ $21,455
Total Assets$109,014$87,559▼ $21,455
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$109,014$87,559▼ $21,455
Total Net Assets Fund Balance$109,014$87,559▼ $21,455
Total Liabilities and Net Assets / Fund Balance$109,014$87,559▼ $21,455
Compensation and Service Providers
Top Officer Pay87th percentile

Board Members and Trustees

NameTitle
Liz MairDirector
Michael HafnerDirector
Robert Gregg KellerDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$398,500
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
All Other Contributions
$398,500
Change in Net Assets
$-21,455
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$419,955
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
Fees for Services Other$402,100--$402,100
Fees for Services Legal$17,429--$17,429
Office Expenses-$320-$320
Travel-$106-$106
Total Functional Expenses$419,529$426$0$419,955
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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Americans for Lending Equity
EIN
87-1030850
Phone
3148636112
Address
8000 MARYLAND AVE STE 1120, SAINT LOUIS, MO 63105

Signing Officer

Name
Robert Gregg Keller
Title
Director
Phone
3143695688
Signed
2024-11-15

Organization Details

Principal Officer
Robert Gregg Keller
Formed
2021
Legal Domicile
Mo
Voting Board Members
3
Independent Board Members
3
Employees
0

Preparer

Firm
Wolff & Taylor Pc
Address
222 S CENTRAL AVE STE 402, SAINT LOUIS, MO 63105
Preparer
Lawrence E Wolff
Phone
3147273700
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“To further the common good and general welfare of the citizens of the united states of america, and will be operated primarily for the purpose of bringing about civic betterments and social improvements, including by educating the public on the importance of maintaining equity in the banking and lending industries.”

Form 990, Part IX, Line 11G

“Program consulting 312,100 0 0 non profit contributions 90,000 0 0 total 402,100 0 0”

Raw XML Appendix225 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/Form990PartVIISectionAGrp/AverageHoursPerWeekRt05.00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr02021
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt03
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0398500
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt03
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt00
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IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
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IRS990/MethodOfAccountingCashInd0X
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IRS990/NetAssetsOrFundBalancesEOYAmt087559
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IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0320
IRS990/OfficeExpensesGrp/TotalAmt0320
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/PartialLiquidationInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0ROBERT GREGG KELLER
IRS990/ProfessionalFundraisingInd0false
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IRS990/PYContributionsGrantsAmt0300000
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IRS990/PYOtherExpensesAmt0221068
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IRS990/PYTotalRevenueAmt0300000
IRS990/ReconcilationRevenueExpnssAmt0-21455
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
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IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/ScheduleBRequiredInd0false
IRS990/ScheduleJRequiredInd0false
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PROGRAM CONSULTING 312,100 0 0 NON PROFIT CONTRIBUTIONS 90,000 0 0 TOTAL 402,100 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SchoolOperatingInd0false
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IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT GREGG KELLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum03143695688
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-11-15
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ReturnHeader/Filer/BusinessNameControlTxt0AMER
ReturnHeader/Filer/EIN0871030850
ReturnHeader/Filer/PhoneNum03148636112
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ReturnHeader/Filer/USAddress/ZIPCd063105
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ReturnHeader/PreparerPersonGrp/PreparationDt02024-11-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LAWRENCE E WOLFF
ReturnHeader/ReturnTs02024-11-13T12:12:33-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$87,559
Liabilities
$0
Net assets
$87,559
Revenue
$398,500
Expenses
$419,955
Net income
-$21,455
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.15$0.00$0.15$3.33$4.05$0.72
2023Detailed filing. Detailed filing data is available for this year.$0.88$0.00$0.88$3.99$4.20$0.21
2022Detailed filing. Detailed filing data is available for this year.$1.09$0.00$1.09$3.00$2.21$0.79
2021Detailed filing. Detailed filing data is available for this year.$0.30$0.30$1.25$0.95$0.30