Nonprofit · EIN 91-1178785
NORTHWEST BUSINESS DEVELOPMENT ASSOCIATION
Tax-exempt · SPOKANE VALLEY, WA 99212
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| September 30, 2025 | 990 | $4,053,953 | $3,240,904 | $813,049 | $6,922,524 | $581,909 | $6,340,615 |
| September 30, 2024 | 990 | $4,007,576 | $3,046,457 | $961,119 | $6,036,253 | $508,687 | $5,527,566 |
| September 30, 2023 | 990 | $3,693,268 | $2,945,706 | $747,562 | $5,143,660 | $577,213 | $4,566,447 |
Financial details: 990 for the year ended September 30, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $3,828,971
- Investment income
- $80,567
- Net rental income
- $135,593
- Other revenue
- $144,415
Expenses
- Grants and similar amounts paid
- $245,585
- Other salaries and wages
- $1,926,954
- Salaries, compensation and benefits (total)
- $2,332,504
- Professional fundraising fees
- $0
- Accounting fees
- $14,500
- Occupancy
- $181,282
- Travel
- $51,820
- Depreciation
- $3,529
- Program services (functional)
- $3,240,904
Balance sheet and other
- Total assets, start of year
- $6,036,253
- Total assets, end of year
- $6,922,524
- Total liabilities, end of year
- $581,909
- Net assets, end of year
- $6,340,615
- Land, buildings and equipment
- $1,613,500
- Net assets without donor restrictions
- $6,340,615
- Gross receipts
- $4,105,593
- Employees
- 28
- Volunteers
- 0
- Year formed
- 1981
- 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 September 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Elizabeth Rusnak | Sr Vice President/Loan Off Highest-paid employee | 40 | $224,699 | $14,398 |
| Aliza Seay | President Trustee or director, Officer | 40 | $205,178 | $5,288 |
| Mark Beppler | Vice President/Sr Loan Off Highest-paid employee | 40 | $147,736 | $9,398 |
| Evan Heriot | Vice President/Sr Loan Off Highest-paid employee | 40 | $116,962 | $14,398 |
| Tracy R Bridgens | Sr Vice President/COO/HR/I Officer | 40 | $114,748 | $14,398 |
| Colleen M Ruggles | Vice President/Closing Man Highest-paid employee | 40 | $105,316 | $14,392 |
| Scott Bossom | Board Chair Trustee or director | 1 | $0 | $0 |
| Timothy E Szambelan | Secretary/Treasurer Trustee or director | 1 | $0 | $0 |
| Karen K Meek | Director Trustee or director | 1 | $0 | $0 |
| Allen Schmelzer | Director Trustee or director | 1 | $0 | $0 |
| Lavonne Bowman | Director Trustee or director | 1 | $0 | $0 |
| Mark Mattke | Director Trustee or director | 1 | $0 | $0 |
| Hugh Crozier | Director Trustee or director | 1 | $0 | $0 |
| Joe Druffel | Director Trustee or director | 1 | $0 | $0 |
| Cory Allen | Director - Oregon Trustee or director | 1 | $0 | $0 |
4 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Andrea Morgan | Director (Through 12/31/24) Trustee or director | 1 | $0 |
| Debbie Shipman | Director Trustee or director | 1 | $0 |
| Robin Stewart | Vice Chair Trustee or director | 1 | $0 |
| Erica Erdozain | Director Trustee or director | 1 | $0 |
990 for the year ended September 30, 2024: 21 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Mark Beppler | Vice President/Sr Loan Off Highest-paid employee | 40 | $197,563 | $9,972 |
| Aliza Seay | President Trustee or director, Officer | 40 | $171,441 | $5,378 |
| James Bright | Sr Vice President/Sr Loan Highest-paid employee | 40 | $154,084 | $14,661 |
| Evan Heriot | Vice President/Sr Loan Off Highest-paid employee | 40 | $132,287 | $14,715 |
| Elizabeth Rusnak | Sr Vice President/Loan Off Highest-paid employee | 40 | $119,848 | $14,919 |
| Matthew Lanigan | Vice President (09/2022 to 04/2024) Highest-paid employee | 40 | $122,959 | $5,975 |
| Tracy R Bridgens | Sr Vice President/COO/HR/I Officer | 40 | $112,431 | $14,660 |
| Colleen M Ruggles | Vice President/Closing Man Highest-paid employee | 40 | $103,806 | $14,988 |
| Andrea Morgan | Director Trustee or director | 1 | $0 | $0 |
| Scott Bossom | Board Chair Trustee or director | 1 | $0 | $0 |
| Timothy E Szambelan | Secretary/Treasurer Trustee or director | 1 | $0 | $0 |
| Karen K Meek | Director (Through 2022-2023) Trustee or director | 1 | $0 | $0 |
| Allen Schmelzer | Director Trustee or director | 1 | $0 | $0 |
| Brent Mathison | Director (Through 2022-2023) Trustee or director | 1 | $0 | $0 |
| Lavonne Bowman | Director Trustee or director | 1 | $0 | $0 |
| William Whalen | Director - Oregon (Through 2022-2023) Trustee or director | 1 | $0 | $0 |
| Hugh Crozier | Director Trustee or director | 1 | $0 | $0 |
| Joe Druffel | Director Trustee or director | 1 | $0 | $0 |
| Cory Allen | Director - Oregon Trustee or director | 1 | $0 | $0 |
| Debbie Shipman | Director Trustee or director | 1 | $0 | $0 |
| Robin Stewart | Vice Chair Trustee or director | 1 | $0 | $0 |
990 for the year ended September 30, 2023: 19 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Mark Beppler | Vice President/Sr Loan Off Highest-paid employee | 40 | $266,632 | $15,663 |
| Elizabeth Rusnak | Sr Vice President/Loan Off Highest-paid employee | 40 | $265,114 | $15,748 |
| James Bright | Sr Vice President/Sr Loan Highest-paid employee | 40 | $161,564 | $13,943 |
| Aliza Seay | President Trustee or director, Officer | 40 | $152,922 | $5,288 |
| Tracy R Bridgens | Sr Vice President/COO/HR/I Officer | 40 | $109,829 | $13,937 |
| Colleen M Ruggles | Vice President/Closing Man Highest-paid employee | 40 | $104,454 | $13,927 |
| Andrea Morgan | Board Chair Trustee or director | 1 | $0 | $0 |
| Scott Bossom | Vice Chair Trustee or director | 1 | $0 | $0 |
| Timothy E Szambelan | Secretary/Treasurer Trustee or director | 1 | $0 | $0 |
| Karen K Meek | Director Trustee or director | 1 | $0 | $0 |
| Allen Schmelzer | Director Trustee or director | 1 | $0 | $0 |
| Brent Mathison | Director Trustee or director | 1 | $0 | $0 |
| Lavonne Bowman | Director Trustee or director | 1 | $0 | $0 |
| William Whalen | Director - Oregon Trustee or director | 1 | $0 | $0 |
| Hugh Crozier | Director Trustee or director | 1 | $0 | $0 |
| Joe Druffel | Director Trustee or director | 1 | $0 | $0 |
| Cory Allen | Director - Oregon Trustee or director | 1 | $0 | $0 |
| Debbie Shipman | Director Trustee or director | 1 | $0 | $0 |
| Robin Stewart | Director Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 9019 E APPLEWAY BLVD STE 200, SPOKANE VALLEY, WA 99212-2943
- Principal officer (990 for 2024)
- Aliza Seay, 9019 E Appleway Blvd 200, Spokane Valley, WA 99212
- Signed the 990
- Aliza Seay, President
- Phone
- (509) 458-8555
- Website
- www.nwbusiness.org
- Return prepared by
- SCHOEDEL & SCHOEDEL CPAS PLLC
Mission
To support business growth, job creation and job retention by providing quality small business loan services, including screening, organizing, packaging, processing and closings, in combination with local lending institutions and the SBA.
Program accomplishments
- The creation of job and employment opportunities is accomplished by assisting small businesses in obtaining start-up and expansion financing via processing of SBA loans.Expenses $3,240,904 · grants $245,585 · revenue $3,837,793
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 September, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | September 30, 2026 | February 15, 2027 | Not due yet |
| 2024 | September 30, 2025 | February 16, 2026 | 990 on file |
| 2023 | September 30, 2024 | February 17, 2025 | 990 on file |
IRS record
- EIN
- 91-1178785
- 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
- 1984
- Accounting year ends
- September
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Community improvement and capacity building (S43Z)
- Assets (IRS master file)
- $6,922,524
- Income (IRS master file)
- $4,105,593
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | September 2025 | $4,053,953 | $3,240,904 | $6,922,524 | XML |
| 990 | September 2024 | $4,007,576 | $3,046,457 | $6,036,253 | XML |
| 990 | September 2023 | $3,693,268 | $2,945,706 | $5,143,660 | XML |
| 990 | September 2022 | $3,801,691 | $3,450,007 | $4,504,001 | IRS |
| 990 | September 2021 | – | – | – | IRS |
| 990 | September 2020 | – | – | – | IRS |
| 990 | September 2019 | – | – | – | IRS |
| 990 | September 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 91-1178785).
Questions about NORTHWEST BUSINESS DEVELOPMENT ASSOCIATION
- What is the EIN of NORTHWEST BUSINESS DEVELOPMENT ASSOCIATION?
- The employer identification number (EIN) of NORTHWEST BUSINESS DEVELOPMENT ASSOCIATION is 91-1178785.
- Is NORTHWEST BUSINESS DEVELOPMENT ASSOCIATION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1984.
- Are donations to NORTHWEST BUSINESS DEVELOPMENT ASSOCIATION tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does NORTHWEST BUSINESS DEVELOPMENT ASSOCIATION 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 NORTHWEST BUSINESS DEVELOPMENT ASSOCIATION due?
- The return for tax year 2025 (the year ending September 30, 2026) is due February 15, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did NORTHWEST BUSINESS DEVELOPMENT ASSOCIATION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended September 2025.
- Who is the principal officer of NORTHWEST BUSINESS DEVELOPMENT ASSOCIATION?
- The 990 for the year ended September 30, 2025 names Aliza Seay.
- Who are the officers and directors of NORTHWEST BUSINESS DEVELOPMENT ASSOCIATION?
- The 990 for the year ended September 30, 2025 lists 19 people; 6 received compensation from the organization, the highest $224,699 (Elizabeth Rusnak, Sr Vice President/Loan Off).
- How much revenue does NORTHWEST BUSINESS DEVELOPMENT ASSOCIATION have?
- On its 990 for the year ended September 30, 2025 it reported revenue of $4,053,953, expenses of $3,240,904 and total assets of $6,922,524 at year end.
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