Nonprofit · EIN 37-1525217
PACIFIC NORTHWEST TRIBAL LENDING A COMMUNITY DEVELOPMENT FINANCIAL
Also known as INSTITUTE
Tax-exempt · BELLINGHAM, WA 98225
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $1,835,120 | $798,959 | $1,036,161 | $5,953,438 | $1,132,570 | $4,820,868 |
| December 31, 2023 | 990 | $991,915 | $767,810 | $224,105 | $4,699,953 | $915,246 | $3,784,707 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $1,555,899
- of which government grants
- $475,774
- Program service revenue
- $276,714
- Investment income
- $2,507
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $111,993
- Other salaries and wages
- $208,414
- Salaries, compensation and benefits (total)
- $404,879
- Professional fundraising fees
- $0
- Legal fees
- $5,878
- Accounting fees
- $54,090
- Occupancy
- $42,205
- Travel
- $14,180
- Program services (functional)
- $682,133
- Management and general (functional)
- $116,826
Balance sheet and other
- Total assets, start of year
- $4,699,953
- Total assets, end of year
- $5,953,438
- Total liabilities, end of year
- $1,132,570
- Net assets, end of year
- $4,820,868
- Net assets without donor restrictions
- $4,253,827
- Net assets with donor restrictions
- $567,041
- Gross receipts
- $1,835,120
- Employees
- 5
- Volunteers
- 6
- Year formed
- 2006
- State of legal domicile
- WA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| NANCY JORDAN | INTERIM EXECUTIVE DIRECTOR Officer | 50 | $138,999 |
| REX RHOADES | BOARD CHAIRMAN Trustee or director, Officer | 5 | $0 |
| CINDY CULTEE | VICE-CHAIR Trustee or director, Officer | 2 | $0 |
| JOSEPH BOWEN | SECRETARY Trustee or director, Officer | 2 | $0 |
| DEBRA LEKANOFF | BOARD MEMBER Trustee or director | 1 | $0 |
| WADE STRINGFIELD | BOARD MEMBER Trustee or director | 1 | $0 |
| JOHN MICHENER | BOARD MEMBER Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 7 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| NANCY JORDAN | INTERIM EXECUTIVE DIRECTOR Officer | 50 | $104,811 | $27,238 |
| REX RHOADES | BOARD CHAIRMAN Trustee or director, Officer | 5 | $1,250 | $0 |
| CINDY CULTEE | VICE-CHAIR Trustee or director, Officer | 2 | $1,250 | $0 |
| JOSEPH BOWEN | SECRETARY Trustee or director, Officer | 2 | $1,250 | $0 |
| DEBRA LEKANOFF | BOARD MEMBER Trustee or director | 1 | $1,000 | $0 |
| FRED ENINGOWUK | BOARD MEMBER Trustee or director | 1 | $1,000 | $0 |
| JOHN MICHENER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 12 BELLWETHER WAY STE 224, BELLINGHAM, WA 98225-2914
- In care of
- % REX RHOADS
- Principal officer (990 for 2024)
- JOE BOWEN, 12 BELLWETHER WAY NO 224, BELLINGHAM, WA 98225
- Signed the 990
- JOE BOWEN, BOARD CHAIR
- Phone
- (360) 594-6004
- Website
- WWW.LUMMICDFI.ORG
- Return prepared by
- LARSON GROSS ADVISORS LLC
Mission
TO PROVIDE ACCESS TO EDUCATION, FINANCING, AND ASSET GROWTH IN ORDER TO IMPROVE THE PROSPERITY AND WELL BEING OF FAMILIES, THROUGH TECHNICAL ASSISTANCE AND DEVELOPMENT SERVICES OF FINANCIAL LITERACY, BUDGETING, AND BUSINESS PLAN COUNSELING. THE ORGANIZATION SEEKS TO SERVE AS THE BRIDGE TO MAINSTREAM FINANCING INTITUTIONS. LENDING PRODUCTS INCLUDE COLLATERALIZED LOANS FOR MICROENTERPRISES AND SMALL BUSINESSES FOR PURPOSES OF WORKING CAPITAL AND FIXED ASSETS. THE ORGANIZATION MAKES LOANS TO MEMBERS OF THE LUMMI NATION, RESIDENTS OF THE LUMMI RESERVATION, AND OTHER NATIVE AMERICANS OR PRIVATE INDIVIDUALS AND ENTITIES WHOSE ACTIVITIES WILL ACCRUE SOCIAL OR ECONOMIC BENEFIT TO THE LUMMI NATION OR RESIDENTS OF THE LUMMI RESERVATION.
Program accomplishments
- PROVIDED SMALL BUSINESS LOANS TO ALLOW COMMUNITY GROWTH, DEVELOPMENT, AND EDUCATION TO OCCUR WHILE KEEPING FUNDS IN THE COMMUNITY FOR THE BENEFIT OF THE LUMMI TRIBE AND SURROUNDING AREA.Expenses $682,133 · revenue $276,714
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 37-1525217
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 2012
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Community improvement and capacity building (S30)
- Assets (IRS master file)
- $5,953,438
- Income (IRS master file)
- $1,835,120
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $1,835,120 | $798,959 | $5,953,438 | IRS |
| 990 | December 2023 | $991,915 | $767,810 | $4,699,953 | XML |
| 990 | December 2022 | $1,616,846 | $693,261 | $4,447,190 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 37-1525217).
Questions about PACIFIC NORTHWEST TRIBAL LENDING A COMMUNITY DEVELOPMENT FINANCIAL
- What is the EIN of PACIFIC NORTHWEST TRIBAL LENDING A COMMUNITY DEVELOPMENT FINANCIAL?
- The employer identification number (EIN) of PACIFIC NORTHWEST TRIBAL LENDING A COMMUNITY DEVELOPMENT FINANCIAL is 37-1525217.
- Is PACIFIC NORTHWEST TRIBAL LENDING A COMMUNITY DEVELOPMENT FINANCIAL tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2012.
- Are donations to PACIFIC NORTHWEST TRIBAL LENDING A COMMUNITY DEVELOPMENT FINANCIAL tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does PACIFIC NORTHWEST TRIBAL LENDING A COMMUNITY DEVELOPMENT FINANCIAL file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of PACIFIC NORTHWEST TRIBAL LENDING A COMMUNITY DEVELOPMENT FINANCIAL due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did PACIFIC NORTHWEST TRIBAL LENDING A COMMUNITY DEVELOPMENT FINANCIAL last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of PACIFIC NORTHWEST TRIBAL LENDING A COMMUNITY DEVELOPMENT FINANCIAL?
- The 990 for the year ended December 31, 2024 names JOE BOWEN.
- Who are the officers and directors of PACIFIC NORTHWEST TRIBAL LENDING A COMMUNITY DEVELOPMENT FINANCIAL?
- The 990 for the year ended December 31, 2024 lists 7 people; 1 received compensation from the organization, the highest $138,999 (NANCY JORDAN, INTERIM EXECUTIVE DIRECTOR).
- How much revenue does PACIFIC NORTHWEST TRIBAL LENDING A COMMUNITY DEVELOPMENT FINANCIAL have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $1,835,120, expenses of $798,959 and total assets of $5,953,438 at year end.
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