Civic Intelligence

Rural Nevada Development Corporation

990 • Fiscal year 2023 • EIN 88-0280033

Jul 01, 2022 to Jun 30, 2023 • Filed on Oct 04, 2023

Organization ProfileN/A
1320 East Aultman StreetEly, NV 89301

(775) 289-8519

Siviq Scores

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

Liabilities / Assets

67th percentile

0.42x

Higher debt load relative to assets than 67% of similar nonprofits.

2023 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2023

Liabilities / Revenue

88th percentile

2.41x

Higher debt load relative to revenue than 88% of similar nonprofits.

2023 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2023

Net Margin

93rd percentile

58%

Higher net margin than 93% of similar nonprofits.

2023 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2023

Top Officer Pay

26th percentile

$169,392

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

2023 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2023

Asset Growth

64th percentile

12%

Faster asset growth than 64% of similar nonprofits.

2023 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Revenue Growth

22nd percentile

-11%

Faster revenue growth than 22% of similar nonprofits.

2023 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$28,451,438

Up $2,966,923 (+12%) from 2022

Net Assets

Up

$16,592,863

Up $2,641,736 (+19%) from 2022

Liabilities

Up

$11,858,575

Up $325,187 (+2.8%) from 2022

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin93rd percentile

Revenue

Down

$4,912,598

Down $609,270 (-11%) from 2022

Expenses

Up

$2,076,612

Up $60,502 (+3.0%) from 2022

Net Income

Down

$2,835,986

Down $669,772 (-19%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth64th percentile

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

$40M$30M$20M$10M$0Assets 2012: $11,772,851Liabilities 2012: $10,601,955Net Assets 2012: $1,170,8962012Assets 2013: $13,234,042Liabilities 2013: $11,767,646Net Assets 2013: $1,466,3962013Assets 2014: $13,284,834Liabilities 2014: $11,764,430Net Assets 2014: $1,520,4042014Assets 2015: $13,709,862Liabilities 2015: $12,493,843Net Assets 2015: $1,216,0192015Assets 2016: $13,311,684Liabilities 2016: $12,157,707Net Assets 2016: $1,153,9772016Assets 2017: $13,324,347Liabilities 2017: $12,106,013Net Assets 2017: $1,218,3342017Assets 2018: $13,660,797Liabilities 2018: $11,697,251Net Assets 2018: $1,963,5462018Assets 2019: $11,486,154Liabilities 2019: $9,432,239Net Assets 2019: $2,053,9152019Assets 2020: $11,956,520Liabilities 2020: $9,910,832Net Assets 2020: $2,045,6882020Assets 2021: $21,547,293Liabilities 2021: $10,908,474Net Assets 2021: $10,638,8192021Assets 2022: $25,484,515Liabilities 2022: $11,533,388Net Assets 2022: $13,951,1272022Assets 2023: $28,451,438Liabilities 2023: $11,858,575Net Assets 2023: $16,592,8632023Assets 2024: $32,634,809Liabilities 2024: $13,646,938Net Assets 2024: $18,987,8712024Assets 2025: $34,080,589Liabilities 2025: $12,488,662Net Assets 2025: $21,591,9272025

Highlighted filing

2023

Assets$28,451,438
Liabilities$11,858,575
Net Assets$16,592,863
Open 2023 Filing

Operations Trend

Revenue Growth22nd percentile

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

$15M$10M$5.0M$0-$5.0MRevenue 2012: $5,406,035Expenses 2012: $6,302,569Net Income 2012: -$896,5342012Revenue 2013: $3,562,192Expenses 2013: $3,266,692Net Income 2013: $295,5002013Revenue 2014: $3,301,776Expenses 2014: $3,247,770Net Income 2014: $54,0062014Revenue 2015: $2,855,702Expenses 2015: $3,088,711Net Income 2015: -$233,0092015Revenue 2016: $2,532,418Expenses 2016: $2,594,460Net Income 2016: -$62,0422016Revenue 2017: $2,786,498Expenses 2017: $2,659,042Net Income 2017: $127,4562017Revenue 2018: $3,633,298Expenses 2018: $2,888,086Net Income 2018: $745,2122018Revenue 2019: $1,945,116Expenses 2019: $1,854,747Net Income 2019: $90,3692019Revenue 2020: $1,698,422Expenses 2020: $1,706,649Net Income 2020: -$8,2272020Revenue 2021: $11,283,329Expenses 2021: $2,097,882Net Income 2021: $9,185,4472021Revenue 2022: $5,521,868Expenses 2022: $2,016,110Net Income 2022: $3,505,7582022Revenue 2023: $4,912,598Expenses 2023: $2,076,612Net Income 2023: $2,835,9862023Revenue 2024: $5,567,728Expenses 2024: $2,887,421Net Income 2024: $2,680,3072024Revenue 2025: $5,054,036Expenses 2025: $2,448,260Net Income 2025: $2,605,7762025

Highlighted filing

2023

Revenue$4,912,598
Expenses$2,076,612
Net Income$2,835,986
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2022 to Jun 30, 2023
Signed
Oct 4, 2023
Return Version
2022v5.0
Gross Receipts
$4,912,598
Mission and Program Overview

Mission

Rural nevada development corporation (rndc) is a 501(c) 3 non-profit development corporation formed in january 1992 to serve the fifteen (15) rural counties, rural clark and washoe counties, and the twenty-seven (27) native american tribes of nevada. Rndc has been responsive to the needs of rural communities by addressing critical issues such as affordable housing, down payment assistance, homeowner rehabilitation and small business alternative lending practices and has received certification from the department of treasury as a community development financial institution (cdfi). Its ability to leverage involvement statewide from public and private sources has been successful. In 1999, rndc business-lending program won a best practice award from hud for its creativity in addressing a problem and effectively leveraging resources.

Economic development services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$16,958,443$19,539,194▲ $2,580,751
Savings and Temporary Cash Investments$5,200,717$5,350,685▲ $149,968
Cash and Non-Interest-Bearing Accounts$476,980$464,559▼ $12,421
Accounts Receivable$31,855$390,986▲ $359,131
Land, Buildings, and Equipment, Net$361,997$354,255▼ $7,742
Pledges and Grants Receivable$248,860$237,672▼ $11,188
Prepaid Expenses and Deferred Charges$5,558$1,965▼ $3,593
Total Assets$25,484,515$28,451,438▲ $2,966,923
Other Assets Total$2,200,105$2,112,122▼ $87,983
Liabilities
Mortgage Notes Payable Secured by Investment Property$11,371,593$11,717,671▲ $346,078
Other Liabilities$52,700$56,886▲ $4,186
Accounts Payable and Accrued Expenses$85,761$48,142▼ $37,619
Deferred Revenue$23,334$35,876▲ $12,542
Total Liabilities$11,533,388$11,858,575▲ $325,187
Net Assets / Fund Balance
Net Assets With Donor Restrictions$13,215,052$15,430,718▲ $2,215,666
Net Assets Without Donor Restrictions$736,075$1,162,145▲ $426,070
Total Net Assets Fund Balance$13,951,127$16,592,863▲ $2,641,736
Total Liabilities and Net Assets / Fund Balance$25,484,515$28,451,438▲ $2,966,923

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$335,642$132,336$467,978
Equipment$18,613$128,837$147,450
Land$55,328-$55,328
Other Assets Org$2,112,122--
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mary KernerCEOFT$155,461$13,931$169,392

Board Members and Trustees

NameTitle
Jerry MartinChair
Danny BensonDirector
James UtterbackDirector
Kathy HalbardierDirector
Rachel DahlDirector
Trish Rippie1st Vice CHA
Joni Eastley2nd Vice CHA
Kenna AlmbergSec./treas
Revenue and Support

Revenue Composition

Contributions and Grants
$3,790,502
Program Service Revenue
$322,122
Investment Income
$799,974
Other Revenue
$0
All Other Contributions
$2,920,837
Change in Net Assets
$2,835,986

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,912,598
Total Revenue per Audited Statements
$4,912,598
Total Revenue per Form 990
$4,912,598
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,305,331
Salaries, Compensation, and Employee Benefits$771,281
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$286,537$203,533-$490,070
Current Officers, Directors, Trustees, and Key Employees$127,331$42,061-$169,392
Interest$155,257$222-$155,479
Fees for Services Other$144,790--$144,790
Advertising$90,152$2,659-$92,811
Depreciation Depletion$54,223$25,335-$79,558
Other Employee Benefits$30,314$21,022-$51,336
Insurance$23,733$23,093-$46,826
Payroll Taxes$28,566$17,147-$45,713
Fees for Services Accounting$16,357$15,893-$32,250
Other Expenses$25,939$5,532-$31,471
All Other Expenses$17,999$13,437-$31,436
Fees for Services Management$29,376--$29,376
Pension Plan Contributions$9,230$5,540-$14,770
Office Expenses$6,204$8,550-$14,754
Travel$11,466$2,314-$13,780
Fees for Services Legal$7,532--$7,532
Occupancy$2,400--$2,400
Total Functional Expenses$1,651,814$424,798$0$2,076,612

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,270,862
Total Expenses per Audited Statements$2,270,862
Total Expenses per Form 990$2,076,612
Expenses Not Reported on Financial Statements$-194,250
Other Expense Adjustments$-194,250
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
Interest Payable$44,301
Compensated Absences Payable$8,485
Security Deposits$4,100
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
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
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

“Copy was provided to governing body.”

Form 990, Page 6, Part VI, Line 19

“Documents are available for inspection at the coroporate offices.”

Filing and Contact Details

Filer

Filer Name
Rural Nevada Development
EIN
88-0280033
Phone
7752898519
Address
1320 EAST AULTMAN STREET, ELY, NV 89301

Signing Officer

Name
Mary Kerner
Title
CEO
Phone
7752898519
Signed
2023-10-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mary Kerner
Formed
1992
Legal Domicile
Nv
Voting Board Members
8
Independent Board Members
8
Employees
13
Volunteers
8

Preparer

Firm
Hintonburdick Pllc
Address
63 S 300 E STE 100, ST GEORGE, UT 84770-2948
Preparer
Steven Palmer CPA
Phone
4356283663
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Rural nevada development corporation (rndc) is a 501(c) 3 non-profit development corporation formed in january 1992 to serve the fifteen (15) rural counties, rural clark and washoe counties, and the twenty-seven (27) native american tribes of nevada. Rndc has been responsive to the needs of rural communities by addressing critical issues such as affordable housing, down payment assistance, homeowner rehabilitation and small business alternative lending practices and has received certification from the department of treasury as a community development financial institution (cdfi). Its ability to leverage involvement statewide from public and private sources has been successful. In 1999, rndc business-lending program won a best practice award from hud for its creativity in addressing a problem and effectively leveraging resources.”

Form 990, Page 2, Part III, Line 4D

“Other program services - multi-family housing initiative to provide affordable housing to qualifying low-income tenants.”

Form 990, Part XI, Line 9

“Recovery of bad debt exp, part viii, ln 2a -194,250”

Financial Statement Notes

Schedule D, Page 4, Part XII, Line 4B

“Recovery of bad debt exp, part viii, ln 2a -194,250”

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IRS990/OtherExpensesGrp/ProgramServicesAmt137684
IRS990/OtherExpensesGrp/ProgramServicesAmt21645
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IRS990/PrincipalOfficerNm0MARY KERNER
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1143705
IRS990/ProgSrvcAccomActy2Grp/Desc0THE INTERMEDIARY RELENDING PROGRAM PROVIDED LOANS TO RURAL BUSINESSES WHO HAVE NOT BEEN ABLE TO OBTAIN LOANS FROM COMMERCIAL LENDERS.
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IRS990/ProgSrvcAccomActy3Grp/Desc0HOUSING WEATHERIZATION
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0620215
IRS990/ProgSrvcAccomActyOtherGrp/Desc0OTHER PROGRAM SERVICES - MULTI-FAMILY HOUSING INITIATIVE TO PROVIDE AFFORDABLE HOUSING TO QUALIFYING LOW-INCOME TENANTS.
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IRS990/PYSalariesCompEmpBnftPaidAmt0659107
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IRS990/PYTotalRevenueAmt05521868
IRS990/ReconcilationRevenueExpnssAmt02835986
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt010317851
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0776721
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0620086
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt019985982
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0799974
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0712483
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0549012
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0472102
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0454502
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt02988073
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt02731523
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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0620086
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt0132336
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IRS990ScheduleD/EquipmentGrp/BookValueAmt018613
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0128837
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IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0-194250
IRS990ScheduleD/ExpensesSubtotalAmt02270862
IRS990ScheduleD/LandGrp/BookValueAmt055328
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt055328
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02112122
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt18485
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0INTEREST PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1COMPENSATED ABSENCES PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SECURITY DEPOSITS
IRS990ScheduleD/RevenueSubtotalAmt04912598
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0RECOVERY OF BAD DEBT EXP, PART VIII, LN 2A -194,250
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XII, LINE 4B
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0RURAL NEVADA DEVELOPMENT CORPORATION (RNDC) IS A 501(C) 3 NON-PROFIT DEVELOPMENT CORPORATION FORMED IN JANUARY 1992 TO SERVE THE FIFTEEN (15) RURAL COUNTIES, RURAL CLARK AND WASHOE COUNTIES, AND THE TWENTY-SEVEN (27) NATIVE AMERICAN TRIBES OF NEVADA. RNDC HAS BEEN RESPONSIVE TO THE NEEDS OF RURAL COMMUNITIES BY ADDRESSING CRITICAL ISSUES SUCH AS AFFORDABLE HOUSING, DOWN PAYMENT ASSISTANCE, HOMEOWNER REHABILITATION AND SMALL BUSINESS ALTERNATIVE LENDING PRACTICES AND HAS RECEIVED CERTIFICATION FROM THE DEPARTMENT OF TREASURY AS A COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION (CDFI). ITS ABILITY TO LEVERAGE INVOLVEMENT STATEWIDE FROM PUBLIC AND PRIVATE SOURCES HAS BEEN SUCCESSFUL. IN 1999, RNDC BUSINESS-LENDING PROGRAM WON A BEST PRACTICE AWARD FROM HUD FOR ITS CREATIVITY IN ADDRESSING A PROBLEM AND EFFECTIVELY LEVERAGING RESOURCES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1OTHER PROGRAM SERVICES - MULTI-FAMILY HOUSING INITIATIVE TO PROVIDE AFFORDABLE HOUSING TO QUALIFYING LOW-INCOME TENANTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2COPY WAS PROVIDED TO GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DOCUMENTS ARE AVAILABLE FOR INSPECTION AT THE COROPORATE OFFICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4RECOVERY OF BAD DEBT EXP, PART VIII, LN 2A -194,250
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9
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IRS990/TerminateOperationsInd0false
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IRS990/TotalContributionsAmt03790502
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00

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Filings

Displayed year

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

Open filing
Assets
$28,451,438
Liabilities
$11,858,575
Net assets
$16,592,863
Revenue
$4,912,598
Expenses
$2,076,612
Net income
$2,835,986
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.1$12.5$21.6$5.05$2.45$2.61
2024Detailed filing. Detailed filing data is available for this year.$32.6$13.6$19.0$5.57$2.89$2.68
2023Detailed filing. Detailed filing data is available for this year.$28.5$11.9$16.6$4.91$2.08$2.84
2022Detailed filing. Detailed filing data is available for this year.$25.5$11.5$14.0$5.52$2.02$3.51
2021Detailed filing. Detailed filing data is available for this year.$21.5$10.9$10.6$11.3$2.10$9.19
2020Detailed filing. Detailed filing data is available for this year.$12.0$9.91$2.05$1.70$1.71$0.01
2019Detailed filing. Detailed filing data is available for this year.$11.5$9.43$2.05$1.95$1.85$0.09
2018Detailed filing. Detailed filing data is available for this year.$13.7$11.7$1.96$3.63$2.89$0.75
2017Detailed filing. Detailed filing data is available for this year.$13.3$12.1$1.22$2.79$2.66$0.13
2016Detailed filing. Detailed filing data is available for this year.$13.3$12.2$1.15$2.53$2.59$0.06
2015Detailed filing. Detailed filing data is available for this year.$13.7$12.5$1.22$2.86$3.09$0.23
2014Summary only. Only limited summary data is available for this year.$13.3$11.8$1.52$3.30$3.25$0.05
2013Summary only. Only limited summary data is available for this year.$13.2$11.8$1.47$3.56$3.27$0.30
2012Summary only. Only limited summary data is available for this year.$11.8$10.6$1.17$5.41$6.30$0.90