Civic Intelligence

Cascade Capital Funding

990 • Fiscal year 2018 • EIN 93-0854853

Jul 01, 2017 to Jun 30, 2018 • Filed on Sep 05, 2018

Organization ProfileWWW.CASCADEWEST.COM
698 12th St SE Suite 2010Salem, OR 97301

(503) 990-6868

Siviq Scores

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

Liabilities / Assets

69th percentile

0.03x

Higher debt load relative to assets than 69% of similar nonprofits.

2018 filings • 501(c)4 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

70th percentile

0.03x

Higher debt load relative to revenue than 70% of similar nonprofits.

2018 filings • 501(c)4 • <$500k nonprofits • Source year 2018

Net Margin

29th percentile

-6.3%

Higher net margin than 29% of similar nonprofits.

2018 filings • 501(c)4 • <$500k nonprofits • Source year 2018

Top Officer Pay

99th percentile

$114,816

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 27.2% of source-year revenue.

2018 filings • 501(c)4 • <$500k nonprofits • Source year 2018

Asset Growth

29th percentile

-7.3%

Faster asset growth than 29% of similar nonprofits.

2018 filings • 501(c)4 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

40th percentile

-4.5%

Faster revenue growth than 40% of similar nonprofits.

2018 filings • 501(c)4 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets69th percentile

Assets

Down

$429,577

Down $34,015 (-7.3%) from 2017

Net Assets

Down

$415,858

Down $29,280 (-6.6%) from 2017

Liabilities

Down

$13,719

Down $4,735 (-26%) from 2017

Revenue And Expenses
Liabilities / Revenue70th percentileNet Margin29th percentile

Revenue

Down

$421,616

Down $19,765 (-4.5%) from 2017

Expenses

Up

$448,265

Up $22,414 (+5.3%) from 2017

Net Income

Down

-$26,649

Down $42,179 (-272%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth29th percentile

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

$800K$600K$400K$200K$0Assets 2011: $741,390Liabilities 2011: $176,379Net Assets 2011: $565,0112011Assets 2012: $699,861Liabilities 2012: $161,930Net Assets 2012: $537,9312012Assets 2013: $693,631Liabilities 2013: $168,592Net Assets 2013: $525,0392013Assets 2014: $578,972Liabilities 2014: $104,288Net Assets 2014: $474,6842014Assets 2015: $504,675Liabilities 2015: $34,993Net Assets 2015: $469,6822015Assets 2016: $441,226Liabilities 2016: $3,995Net Assets 2016: $437,2312016Assets 2017: $463,592Liabilities 2017: $18,454Net Assets 2017: $445,1382017Assets 2018: $429,577Liabilities 2018: $13,719Net Assets 2018: $415,8582018Assets 2019: $327,211Liabilities 2019: $17,670Net Assets 2019: $309,5412019Assets 2020: $339,495Liabilities 2020: $48,564Net Assets 2020: $290,9312020Assets 2021: $394,128Liabilities 2021: $32,865Net Assets 2021: $361,2632021Assets 2022: $578,297Liabilities 2022: $101,543Net Assets 2022: $476,7542022Assets 2023: $712,672Liabilities 2023: $115,061Net Assets 2023: $597,6112023Assets 2024: $729,109Liabilities 2024: $110,489Net Assets 2024: $618,6202024Assets 2025: $755,028Liabilities 2025: $89,155Net Assets 2025: $665,8732025

Highlighted filing

2018

Assets$429,577
Liabilities$13,719
Net Assets$415,858
Open 2018 Filing

Operations Trend

Revenue Growth40th percentile

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

$1.0M$500K$0-$500KRevenue 2011: $588,847Expenses 2011: $591,887Net Income 2011: -$3,0402011Expenses 2012: $607,7922012Expenses 2013: $595,8272013Revenue 2014: $643,572Expenses 2014: $693,927Net Income 2014: -$50,3552014Revenue 2015: $571,710Expenses 2015: $576,712Net Income 2015: -$5,0022015Revenue 2016: $545,907Expenses 2016: $578,358Net Income 2016: -$32,4512016Revenue 2017: $441,381Expenses 2017: $425,851Net Income 2017: $15,5302017Revenue 2018: $421,616Expenses 2018: $448,265Net Income 2018: -$26,6492018Revenue 2019: $388,160Expenses 2019: $490,732Net Income 2019: -$102,5722019Revenue 2020: $411,510Expenses 2020: $430,120Net Income 2020: -$18,6102020Revenue 2021: $508,938Expenses 2021: $438,606Net Income 2021: $70,3322021Revenue 2022: $656,590Expenses 2022: $541,099Net Income 2022: $115,4912022Revenue 2023: $706,224Expenses 2023: $585,367Net Income 2023: $120,8572023Revenue 2024: $587,482Expenses 2024: $566,473Net Income 2024: $21,0092024Revenue 2025: $650,545Expenses 2025: $603,292Net Income 2025: $47,2532025

Highlighted filing

2018

Revenue$421,616
Expenses$448,265
Net Income-$26,649
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2017 to Jun 30, 2018
Signed
Sep 5, 2018
Return Version
2017v2.2
Gross Receipts
$421,616
Mission and Program Overview

Mission

Cascade capital funding seeks to provide the best in specialized loans and expertise to oregon small business owners to help them grow and create jobs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$202,908$135,635▼ $67,273
Cash and Non-Interest-Bearing Accounts$67,844$77,126▲ $9,282
Prepaid Expenses and Deferred Charges$16,193$6,820▼ $9,373
Accounts Receivable$1,914--
Land, Buildings, and Equipment, Net$5,936$847▼ $5,089
Total Assets$463,592$429,577▼ $34,015
Other Assets Total$168,797$209,149▲ $40,352
Liabilities
Accounts Payable and Accrued Expenses$11,765$14,469▲ $2,704
Deferred Revenue$1,612--
Other Liabilities$5,077$-750▼ $5,827
Total Liabilities$18,454$13,719▼ $4,735
Net Assets / Fund Balance
Unrestricted Net Assets$445,138$415,858▼ $29,280
Total Net Assets Fund Balance$445,138$415,858▼ $29,280
Total Liabilities and Net Assets / Fund Balance$463,592$429,577▼ $34,015

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$847$24,597$25,444
Other Assets Org$209,149--
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cindy KentExecutive DirectorFT$105,000$9,816$114,816

Board Members and Trustees

NameTitle
Mary MerrimanPresident
Doris JohnstonVice President
Curt ArthurDirector
David GreenDirector
John PasconeDirector
Kristi MintoDirector
Rachel WolfeDirector
Tom NelsonDirector
Aaron WalkerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$412,571
Investment Income
$0
Other Revenue
$9,045
Change in Net Assets
$-26,649

Audited Revenue Reconciliation

Revenue per Audited Statements
$421,616
Total Revenue per Audited Statements
$421,616
Total Revenue per Form 990
$421,616
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$313,094
Other Expenses$135,171
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$195,035-$195,035
Current Officers, Directors, Trustees, and Key Employees-$118,059-$118,059
Occupancy-$40,142-$40,142
All Other Expenses$25,924$2,451-$28,375
Fees for Services Other$15,081--$15,081
Insurance$9,443--$9,443
Advertising$6,066--$6,066
Depreciation Depletion-$5,089-$5,089
Office Expenses$3,305--$3,305
Other Expenses$3,222$5,983-$3,222
Conferences and Meetings$2,381--$2,381
Total Functional Expenses$81,506$366,759$0$448,265

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$448,265
Total Expenses per Audited Statements$448,265
Total Expenses per Form 990$448,265
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Borrowers Escrow$-750
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The organizations original bylaws required that the organization have no less than 25 voting members. The board was authorized and given discretion to accept any individual agency, governmental unit, business organization, assocation, or leading instituion as a member of the corporation. All members had equal voting rights, except contractors who provided services to the organization (non-voting members). However, the articles of incorporation this membership was dissolved via a members meeting in november 2014.”

Member election for additional members Part VI line 7A

“Prior to dissolution of the membership, members of the corporation could elect one or more members of the board by majority vote. Contractors providing services to cwfsi could serve as members but were specifically prohibited from serving as voting members.”

Governing body decisions Part VI line 7B

“Prior to dissolution of the membership, decisions of the governing board were subject to approval by voting members of the corporation.”

Form 990 governing body review Part VI line 11

“The executive director forwards the form 990 to the president, vice president,and secretary-treasurer for review.”

CEO executive director top management comp Part VI line 15A

“Executive director compensation was reviewed and approved by the executive committee and signed off on by the board president david green.”

Governing documents etc available to public Part VI line 19

“The organizations governing documents, conflict of interest policy, and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Cascade Capital Funding
EIN
93-0854853
Address
698 12TH ST SE SUITE 2010, SALEM, OR 97301

Signing Officer

Name
Mary Merriman
Title
President
Phone
5039906869
Signed
2018-09-05
Discuss with paid preparer
No

Organization Details

Principal Officer
Mary Merriman
Formed
1983
Legal Domicile
Or
Voting Board Members
10
Independent Board Members
9
Employees
4
Volunteers
10

Preparer

Firm
Ras Group LLC
Address
7148 SW GONZAGA ST, TIGARD, OR 97223
Preparer
Roy R Rogers
Phone
5036848421
Supplemental Narrative

Additional Explanations

Audited by an independent accountant Part XII line 2B

“The organization has a committee that assumes responsibility for oversight of the audit of its financial statements and selection of an independent accountant.”

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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/ProgramServiceRevenueGrp/Desc1LOAN PACKAGING FEES
IRS990/ProgramServiceRevenueGrp/Desc2LOAN CLOSING INCOME
IRS990/ProgramServiceRevenueGrp/Desc3LOAN INTEREST
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NOTES RECEIVABLE
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATIONS ORIGINAL BYLAWS REQUIRED THAT THE ORGANIZATION HAVE NO LESS THAN 25 VOTING MEMBERS. THE BOARD WAS AUTHORIZED AND GIVEN DISCRETION TO ACCEPT ANY INDIVIDUAL AGENCY, GOVERNMENTAL UNIT, BUSINESS ORGANIZATION, ASSOCATION, OR LEADING INSTITUION AS A MEMBER OF THE CORPORATION. ALL MEMBERS HAD EQUAL VOTING RIGHTS, EXCEPT CONTRACTORS WHO PROVIDED SERVICES TO THE ORGANIZATION (NON-VOTING MEMBERS). HOWEVER, THE ARTICLES OF INCORPORATION THIS MEMBERSHIP WAS DISSOLVED VIA A MEMBERS MEETING IN NOVEMBER 2014.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PRIOR TO DISSOLUTION OF THE MEMBERSHIP, MEMBERS OF THE CORPORATION COULD ELECT ONE OR MORE MEMBERS OF THE BOARD BY MAJORITY VOTE. CONTRACTORS PROVIDING SERVICES TO CWFSI COULD SERVE AS MEMBERS BUT WERE SPECIFICALLY PROHIBITED FROM SERVING AS VOTING MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PRIOR TO DISSOLUTION OF THE MEMBERSHIP, DECISIONS OF THE GOVERNING BOARD WERE SUBJECT TO APPROVAL BY VOTING MEMBERS OF THE CORPORATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE EXECUTIVE DIRECTOR FORWARDS THE FORM 990 TO THE PRESIDENT, VICE PRESIDENT,AND SECRETARY-TREASURER FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EXECUTIVE DIRECTOR COMPENSATION WAS REVIEWED AND APPROVED BY THE EXECUTIVE COMMITTEE AND SIGNED OFF ON BY THE BOARD PRESIDENT DAVID GREEN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATIONS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZATION HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT ACCOUNTANT.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Audited by an independent accountant Part XII line 2b
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt081506
IRS990/TotalFunctionalExpensesGrp/TotalAmt0448265
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IRS990/TotalLiabilitiesEOYAmt013719
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IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0445138
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IRS990/TotalProgramServiceExpensesAmt081506
IRS990/TotalProgramServiceRevenueAmt0412571
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0421616
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
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IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0463592
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0429577
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ReturnHeader/BusinessOfficerGrp/SignatureDt02018-09-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CASCADE CAPITAL FUNDING
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ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt070.89.183.173
ReturnHeader/FilingSecurityInformation/IPDt02018-09-21
ReturnHeader/FilingSecurityInformation/IPTm022:11:31
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0931263395
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RAS GROUP LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07148 SW GONZAGA ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TIGARD
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ReturnHeader/PreparerPersonGrp/PhoneNum05036848421
ReturnHeader/PreparerPersonGrp/PreparationDt02018-09-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROY R ROGERS
ReturnHeader/ReturnTs02018-09-07T16:51:03-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-07-01
ReturnHeader/TaxPeriodEndDt02018-06-30
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$429,577
Liabilities
$13,719
Net assets
$415,858
Revenue
$421,616
Expenses
$448,265
Net income
-$26,649
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$7.55$0.89$6.66$6.51$6.03$0.47
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.29$1.10$6.19$5.87$5.66$0.21
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.13$1.15$5.98$7.06$5.85$1.21
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.78$1.02$4.77$6.57$5.41$1.15
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.94$0.33$3.61$5.09$4.39$0.70
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.39$0.49$2.91$4.12$4.30$0.19
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.27$0.18$3.10$3.88$4.91$1.03
2018Detailed filing. Detailed filing data is available for this year.$4.30$0.14$4.16$4.22$4.48$0.27
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.64$0.18$4.45$4.41$4.26$0.16
2016Summary only. Only limited summary data is available for this year.$4.41$0.04$4.37$5.46$5.78$0.32
2015Detailed filing. Detailed filing data is available for this year.$5.05$0.35$4.70$5.72$5.77$0.05
2014Detailed filing. Detailed filing data is available for this year.$5.79$1.04$4.75$6.44$6.94$0.50
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.94$1.69$5.25$5.96
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.00$1.62$5.38$6.08
2011Summary only. Only limited summary data is available for this year.$7.41$1.76$5.65$5.89$5.92$0.03