Civic Intelligence

Whatcom Financial Services Inc

EIN 91-2026525 • 501(c)3 • Lynden, WA

Profile

Financial services are provided to special needs persons.

1706 Front Street PMB 792Lynden, WA 98264

n/A

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2017

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2017

Net Margin

44th percentile

-0.5%

Higher net margin than 44% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2017

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

12th percentile

-80%

Faster asset growth than 12% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Revenue Growth

48th percentile

-2.3%

Faster revenue growth than 48% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$783

Down $3,043 (-80%) from 2016

Liabilities

Down

$0

Down $2,638 (-100%) from 2016

Net Assets

Down

$783

Down $405 (-34%) from 2016

Operations
Liabilities / RevenueScore unavailableNet Margin44th percentile

Revenue

Down

$83,071

Down $1,996 (-2.3%) from 2016

Expenses

Down

$83,476

Down $5,484 (-6.2%) from 2016

Net Income

Up

-$405

Up $3,488 (+90%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

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

$6.0K$4.0K$2.0K$0Assets 2011: $152Liabilities 2011: $02011Assets 2012: $639Liabilities 2012: $02012Assets 2013: $3,453Liabilities 2013: $2,6782013Assets 2014: $4,416Liabilities 2014: $02014Assets 2015: $5,081Liabilities 2015: $0Net Assets 2015: $5,0812015Assets 2016: $3,826Liabilities 2016: $2,638Net Assets 2016: $1,1882016Assets 2017: $783Liabilities 2017: $0Net Assets 2017: $7832017

Highlighted filing

2017

Assets$783
Liabilities$0
Net Assets$783
Open 2017 Filing

Operations Trend

Revenue Growth48th percentile

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

$150K$100K$50K$0-$50KRevenue 2011: $109,106Expenses 2011: $108,957Net Income 2011: $1492011Revenue 2012: $105,077Expenses 2012: $104,590Net Income 2012: $4872012Revenue 2013: $99,187Expenses 2013: $99,051Net Income 2013: $1362013Revenue 2014: $101,153Expenses 2014: $97,512Net Income 2014: $3,6412014Revenue 2015: $93,538Expenses 2015: $92,944Net Income 2015: $5942015Revenue 2016: $85,067Expenses 2016: $88,960Net Income 2016: -$3,8932016Revenue 2017: $83,071Expenses 2017: $83,476Net Income 2017: -$4052017

Highlighted filing

2017

Revenue$83,071
Expenses$83,476
Net Income-$405
Open 2017 Filing

Filings

Most recent year

2017 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$783
Liabilities
$0
Net assets
$783
Revenue
$83,071
Expenses
$83,476
Net income
-$405
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$0.01$0.00$0.01$0.83$0.83$0.00
2016Detailed filing. Detailed filing data is available for this year.$0.04$0.03$0.01$0.85$0.89$0.04
2015Detailed filing. Detailed filing data is available for this year.$0.05$0.00$0.05$0.94$0.93$0.01
2014Summary only. Only limited summary data is available for this year.$0.04$0.00$1.01$0.98$0.04
2013Summary only. Only limited summary data is available for this year.$0.03$0.03$0.99$0.99$0.00
2012Summary only. Only limited summary data is available for this year.$0.01$0.00$1.05$1.05$0.00
2011Summary only. Only limited summary data is available for this year.$0.00$0.00$1.09$1.09$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 6, 2018
Return Version
2017v2.2
Gross Receipts
$83,071
Mission and Program Overview

Mission

Financial services are provided to special needs persons.

Program Services

DescriptionGrantsExpenses
Financial services are provided to special needs persons.$80,426-
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer L RoweDirectorFT$33,761-$33,761
Jill A BrownDirectorPT$10,553-$10,553
Filing and Contact Details

Filer

Filer Name
Whatcom Financial Services Inc
EIN
91-2026525
Phone
3603064106
Address
1706 Front Street PMB 792, Lynden, WA 98264

Signing Officer

Name
Jennifer L Rowe
Title
President
Signed
2018-04-06
Discuss with paid preparer
Yes

Preparer

Firm
Marlys Bourm CPA PS
Address
2594 Lake Whatcom Blvd, Bellingham, WA 98229
Preparer
Marlys Bourm CPA
Phone
3607337155
Supplemental Narrative

Additional Explanations

Other Expenses.1001

“Advertising and Promotion $262”

Other Expenses.1002

“Office Expenses $8464”

Other Expenses.1009

“Depreciation $3241”

Other Expenses.1

“Bond $2950”

Other Expenses.3

“Telephone $1700”

Other Expenses.4

“Taxes - state $747”

Other Expenses.5

“Storage $545”

Other Expenses.6

“Security $462”

Other Expenses.7

“Repairs & maintenance $400”

Other Expenses.8

“Shredding $84”

Other Assets.1004

“Miscellaneous - Beginning $3482 Miscellaneous - Ending $241”

Total Liabilities.1

“Loan from Jill - Beginning $700 Loan from Jill - Ending $0”

Total Liabilities.2

“Loan from Jill - Beginning $1938 Loan from Jill - Ending $0”

Raw XML Appendix165 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/PersonNm0Jennifer Rowe
IRS990EZ/BooksInCareOfDetail/PhoneNum03606764568
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01706 Front Street PMB 792
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Lynden
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd098264
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0344
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0542
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-405
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0936
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form720FiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt03826
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0783
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GrossReceiptsAmt083071
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt01188
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0783
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt01188
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0783
IRS990EZ/OccupancyRentUtltsAndMaintAmt01789
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt010.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt140.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt010553
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt133761
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Jill A Brown
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Jennifer L Rowe
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Director
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationFiled990TInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt03482
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0241
IRS990EZ/OtherExpensesTotalAmt018855
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Financial services are provided to special needs persons.
IRS990EZ/PrintingPublicationsPostageAmt02754
IRS990EZ/ProgramServiceRevenueAmt083071
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Financial services are provided to special needs persons.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt080426
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/RelatedOrgSect527OrgInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt059142
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt02638
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt083476
IRS990EZ/TotalProgramServiceExpensesAmt080426
IRS990EZ/TotalRevenueAmt083071
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt02678
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt02678
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt080487
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt085067
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt093538
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt098475
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt099026
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0456593
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0459271
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt080487
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt085067
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt093538
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0101153
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt099026
IRS990ScheduleA/Total509Grp/TotalAmt0459271
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt080487
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt085067
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt093538
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0101153
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt099026
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0459271
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Advertising and Promotion $262
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Office Expenses $8464
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Depreciation $3241
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Bond $2950
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Telephone $1700
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Taxes - state $747
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Storage $545
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Security $462
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Repairs & maintenance $400
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Shredding $84
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Miscellaneous - Beginning $3482 Miscellaneous - Ending $241
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Loan from Jill - Beginning $700 Loan from Jill - Ending $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Loan from Jill - Beginning $1938 Loan from Jill - Ending $0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other Expenses.1001
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other Expenses.1002
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other Expenses.1009
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Expenses.1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other Expenses.3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other Expenses.4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other Expenses.5
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other Expenses.6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Other Expenses.7
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Other Expenses.8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Other Assets.1004
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Total Liabilities.1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Total Liabilities.2
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Jennifer L Rowe
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Whatcom Financial Services Inc
ReturnHeader/Filer/BusinessNameControlTxt0WHAT
ReturnHeader/Filer/EIN0912026525
ReturnHeader/Filer/PhoneNum03603064106
ReturnHeader/Filer/USAddress/AddressLine1Txt01706 Front Street PMB 792
ReturnHeader/Filer/USAddress/CityNm0Lynden
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WA
ReturnHeader/Filer/USAddress/ZIPCd098264
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0201285616
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Marlys Bourm CPA PS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02594 Lake Whatcom Blvd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Bellingham
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd098229
ReturnHeader/PreparerPersonGrp/PhoneNum03607337155
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Marlys Bourm CPA
ReturnHeader/ReturnTs02018-04-06T14:30:53-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.