2026-01-24T10:11:30-06:00 2024-12-31 862404089 Sage Creek Accounting Services 520 Berry Blvd Rapid City SD 577021816 990 2024-01-01 273156259 NACDC Financial Services Inc NACD 4063382099 201 N Piegan Street Browning MT 59417 Andrea Main Executive Director 4063382099 2026-01-24 0 1 P02444871 6053916693 2026-01-23 X 2024 2025-03-06 01:10:19Z Andrea Main 201 N Piegan Street Browning MT 59417 7106482 0 X www.nacdcfinancialservices.org X 2010 MT Provide alternative financing opportunity for Native American entrepreneurs and small businesses in communities in and near Indian Reservations. 8 8 19 15 0 0 3268992 6234958 677509 802243 1318 60107 0 9174 3947819 7106482 879489 1545973 0 0 850909 1096012 51444 0 64254 775360 1063292 2557202 3705277 1390617 3401205 14354447 21182559 7295902 10743431 7058545 10439128 Provide alternative financing opportunity for Native American entrepreneurs and small businesses in communities in and near Indian Reservations. 0 0 3093353 1545973 811417 NACDC Financial Services' accomplishments during 2024: Loans closed by type: 34 Credit Building Loans ($401,194), 16 Consumer Loans ($332,825), 423 Short-term Loans ($579,643), 13 Home Loan ($1,896,579), 2 Micro Business Loans ($15,000), 10 Small Business Loans ($974,005), 6 Agricultural Loans ($94,629) and 1 Artist Loan ($5,000). We provided personalized business technical assistance and counseling to 119 business owners totaling 286 hours. 3093353 1 1 0 0 0 0 0 0 1 0 1 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 11 0 1 19 1 0 0 0 0 0 0 0 0 0 0 X 8 8 0 0 0 0 0 0 0 1 1 0 0 0 1 1 1 0 0 1 1 0 X Stacy Edwards 4063382099 201 N Piegan Street Browning MT 59417 Jay Marcus Member 2.00 X 0 0 0 Luke Robinson Member 2.00 X 0 0 0 Maria Valandra Member 2.00 X 0 0 0 Melanie Wall Chair 2.00 X X 0 0 0 Erik Nelson Vice Chair 2.00 X X 0 0 0 Roberta Harris Secretary/Treasurer 2.00 X X 0 0 0 Andrea Main Executive Director 40.00 X 193116 0 0 193116 0 0 1 0 1 0 0 2675983 3558975 6234958 Interest Income from L 522291 636002 636002 Fee Income 522291 166241 166241 802243 60107 60107 Other Revenue 522291 9174 9174 9174 7106482 811417 0 60107 1545973 1545973 193116 193116 684115 605289 34964 43862 144203 96760 39569 7874 74578 50042 20464 4072 101551 101551 147771 141378 6393 16080 16080 132650 94004 33623 5023 67126 45121 18582 3423 135651 73252 62399 177706 177706 24606 18455 6151 30858 30858 Loan Loss Reserve 216210 216210 Participation Expenses 13083 13083 3705277 3093353 547670 64254 1583353 5402576 877934 2223436 820113 328473 218775 10244220 12052001 3389 921432 112523 609252 808909 110000 219575 35000 14354447 21182559 533192 647888 67520 68055 165387 153551 6529803 9873937 7295902 10743431 X 7058545 10439128 7058545 10439128 14354447 21182559 3401205 -20622 0 X X 0 1 X 1 1 1 X 2132185 4022045 2126684 3268992 6234958 17784864 2132185 4022045 2126684 3268992 6234958 17784864 1234082 16550782 171 1213 895 1318 696109 699706 9174 9174 18493744 166241 0.89490 0.91110 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 193033 193033 672303 90549 581754 47406 17366 30040 8690 4608 4082 808909 X 7085860 -20622 -20622 7106482 0 7106482 3705277 0 3705277 0 3705277 Part IV, Line 2b: The escrow account liability is the amount of funds that NACDC is holding in escrow related to its lending activities. Part X, Line 2: NACDC FS is required to assess whether it is more likely than not that a tax position will be sustained upon examination on the technical merits of the position assuming the taxing authority has full knowledge of all information. If the tax position does not meet the more likely than not recognition threshold, the benefit of that position is not recognized in the financial statements. NACDC FS has determined there are no amounts to record as assets or liabilities related to uncertain tax positions. 10 1 Akiptan Inc 412 S Main Street STE E Eagle Butte SD 57625 823541909 3 170493 0 Workforce & Professional Development Black Hills Community Loan Fund 1764 Centre St Ste 1 Ste 105 Rapid City SD 57703 262504959 3 103899 0 Workforce & Professional Development Four Bands Community Loan Fund 412 S Main Street Eagle Butte SD 57625 460456528 3 203664 0 Workforce & Professional Development Indigenous Impact Co PO Box 64 Bearcreek MT 59007 208036710 144000 0 Workforce & Professional Development Montana Native Growth Fund 353 Old Hays Road Hays MT 59527 851312061 3 183226 0 Workforce & Professional Development Native American Development Corporation 17 N 26th Street Billings MT 59101 810512124 3 114763 0 Workforce & Professional Development Peoples Partner for Community Development Corporation PO Box 955 Lame Deer MT 59043 412102823 3 66283 0 Workforce & Professional Development Plenty Doors Community Development Corporation PO Box 1061 Crow Agency MT 59022 822045927 3 117694 0 Workforce & Professional Development Sweet Grass Consulting LLC 1501 N Cleveland Ave Loveland CO 80538 464156211 51100 0 Workforce & Professional Development Wind River Development Fund PO Box 661 Fort Washakie WY 82514 830337192 3 149659 0 Workforce & Professional Development Montana Health Care Foundation 777 E Main St STE 201 Bozeman MT 59715 466854005 3 100000 0 Workforce & Professional Development Mountain Plains CDC 401 East 8th St Ste 214-9016 Sioux Falls SD 57103 920666369 50000 0 Workforce & Professional Development Part I, Line 2: NACDC monitors expenses for drawdowns by requesting documentation of expenses. 0 0 0 0 0 0 0 0 0 Andrea Main Executive Director 157920 0 17640 0 17556 0 0 0 0 0 193116 0 0 0 Form 990, Part VI, Section B, line 11b No review was or will be conducted. Form 990, Part VI, Section B, line 12c NACDCFS monitors any employee who holds any position of employment, or who owns or acquires, directly or indirectly, a substantial beneficial interest in any business he/she has reasons to believe may supply goods or services to, or purchases from, or compete with NACDC Financial Services, is required to disclose the full details concerning such interest or relationship. NACDCFS also ensues that those persons exercise the utmost good faith in all transactions involved in their duties and that they not use their positions with NACDC Financial Services or knowledge gained there from for their personal benefit; NACDC Financial Services requires that all employees and independent contractors sign and/or update a conflict of interest statement each year. Form 990, Part VI, Section B, line 15 Compensation for the Executive Director is reviewed by the Board of Directors. That review includes an evaluation of performance and comparison with compensation of similar positions elsewhere. Key staff compensation is reviewed by the Executive Director who utilizes publicly available compensation surveys for similar organizations. Form 990, Part VI, Section C, line 19 No other documents available to the public. Form 990, Part XII, Line 2c: The process has not changed from the prior year.