Civic Intelligence

Whatcom Financial Services Inc

990EZ • Fiscal year 2015 • EIN 91-2026525

Jan 01, 2015 to Dec 31, 2015 • Filed on Jun 03, 2016

Organization ProfileN/A
1706 Front Street PMB 792Lynden, WA 98264

(360) 306-4106

Siviq Scores

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

Liabilities / Assets

55th percentile

0.00x

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

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Liabilities / Revenue

55th percentile

0.00x

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

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Net Margin

43rd percentile

0.6%

Higher net margin than 43% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Top Officer Pay

93rd percentile

$51,537

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 55.1% of source-year revenue.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Asset Growth

68th percentile

15%

Faster asset growth than 68% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

37th percentile

-7.5%

Faster revenue growth than 37% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$5,081

Up $665 (+15%) from 2014

Net Assets

$5,081

No earlier filing loaded for comparison.

Liabilities

Flat

$0

Flat from 2014

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin43rd percentile

Revenue

Down

$93,538

Down $7,615 (-7.5%) from 2014

Expenses

Down

$92,944

Down $4,568 (-4.7%) from 2014

Net Income

Down

$594

Down $3,047 (-84%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth68th percentile

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

$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

2015

Assets$5,081
Liabilities$0
Net Assets$5,081
Open 2015 Filing

Operations Trend

Revenue Growth37th percentile

Revenue, expenses, and net income across loaded years, with this 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

2015

Revenue$93,538
Expenses$92,944
Net Income$594
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jun 3, 2016
Return Version
2015v2.0
Gross Receipts
$93,538
Mission and Program Overview

Mission

Financial services are provided to special needs persons.

Program Services

DescriptionGrantsExpenses
Financial services are provided to special needs persons.$92,942-
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jill A BrownPresidentFT$51,537-$51,537
Janet l KircherSecretaryPT$10,415-$10,415
Roberta L SmithVice PresidentPT$9,960-$9,960
John McLoughlundTreasurer-$0--
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
Jill A Brown
Title
President
Signed
2016-06-03
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.1009

“Depreciation $370”

Other Expenses.2

“Bond $3240”

Other Expenses.3

“Office supplies $2697”

Other Expenses.4

“Copy machine lease $792”

Other Expenses.5

“Security $600”

Other Expenses.6

“Refund $566”

Other Expenses.7

“Shredding $252”

Other Expenses.8

“Repairs & maintenance $50”

Other Assets.1004

“Miscellaneous - Beginning $4110 Miscellaneous - Ending $3740”

Raw XML Appendix164 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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IRS990EZ/BooksInCareOfDetail/PersonNm0Jill Brown
IRS990EZ/BooksInCareOfDetail/PhoneNum03606764568
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01006 Grover Street
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Lynden
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd098264
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0377
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt01341
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IRS990EZ/ExcessOrDeficitForYearAmt0594
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0243
IRS990EZ/FiledScheduleAInd0true
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IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GrossReceiptsAmt093538
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt04487
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IRS990EZ/OccupancyRentUtltsAndMaintAmt04615
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt040.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt120.00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt051537
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt19960
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt210415
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Jill A Brown
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Roberta L Smith
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Janet l Kircher
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3John McLoughlund
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Vice President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Treasurer
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationFiled990TInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt04110
IRS990EZ/OtherAssetsTotalDetail/EOYAmt03740
IRS990EZ/OtherExpensesTotalAmt08567
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0Financial services are provided to special needs persons.
IRS990EZ/PrintingPublicationsPostageAmt06119
IRS990EZ/ProgramServiceRevenueAmt093538
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Financial services are provided to special needs persons.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt092942
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/RelatedOrgSect527OrgInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt073400
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt092944
IRS990EZ/TotalProgramServiceExpensesAmt092942
IRS990EZ/TotalRevenueAmt093538
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt02678
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt02678
IRS990ScheduleA/GovtFurnSrvcFcltsVl509Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt00
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt093538
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt098475
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt099026
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0104591
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0109106
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0504736
IRS990ScheduleA/GrossReceiptsNonUnrltBusGrp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt00
IRS990ScheduleA/OtherIncome509Grp/TotalAmt00
IRS990ScheduleA/Post1975UBTIGrp/TotalAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0507414
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft509Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt093538
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0101153
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt099026
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0104591
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0109106
IRS990ScheduleA/Total509Grp/TotalAmt0507414
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt093538
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0101153
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt099026
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0104591
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0109106
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0507414
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Depreciation $370
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Bond $3240
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Office supplies $2697
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Copy machine lease $792
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Security $600
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Refund $566
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Shredding $252
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Repairs & maintenance $50
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Miscellaneous - Beginning $4110 Miscellaneous - Ending $3740
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other Expenses.1009
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other Expenses.2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other Expenses.3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Expenses.4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other Expenses.5
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other Expenses.6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other Expenses.7
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other Expenses.8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Other Assets.1004
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Jill A Brown
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-06-03
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/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/ReturnTs02016-06-03T10:45:00-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,081
Liabilities
$0
Net assets
$5,081
Revenue
$93,538
Expenses
$92,944
Net income
$594
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