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BLACK HILLS COMMUNITY LOAN FUND INC

EIN 26-2504959 RAPID CITY, SD

Revenue 2024
$1,661,295
Expenses 2024
$882,795

Program services were 63.5% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
03
NTEE code
S20
Classification
1000
Street
1764 CENTRE ST STE 1

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2024

Mission

TO CREATE FINANCIAL OPPORTUNITIES FOR PEOPLE WHO ARE NOT BEING ECONOMICALLY SERVED BY TYPICAL LENDING INSTITUTIONS IN RAPID CITY, SOUTH DAKOTA AND SURROUNDING COMMUNITIES.

  • The Black Hills Community Loan Fund continues to work on increasing the number of loans offered and assist their clients with home ownership.

    Expenses $560,211

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Barbara Schmitt

    Executive Director

    Total calculated
    $79,181
    From this org
    $79,181
    From related orgs
    $0
    Other
    $0
    Hours/week
    0

    Schedule J breakdown matched by us · ignoring case and punctuation

    Base
    $79,181
    Bonus
    not reported
    Other
    not reported
    Deferred
    not reported
    Nontaxable benefits
    not reported
    Filer's total
    $79,181

  • Eileen Lafferty

    EXECUTIVE DIRECTOR

    Total calculated
    $57,056
    From this org
    $57,056
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

  • Ramona Harrington

    Director

    Total calculated
    $3,000
    From this org
    $3,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Cassandra Palmier

    Treasurer

    Total calculated
    $3,000
    From this org
    $3,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Tanya Fiddler

    President

    Total calculated
    $2,500
    From this org
    $2,500
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Bonnie LeBeau

    Secretary

    Total calculated
    $2,500
    From this org
    $2,500
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Yolanda Garcia

    Director

    Total calculated
    $0
    Hours/week
    1

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $1,661,295
    Expenses
    $882,795
    Contributions
    $1,645,900
    Grants paid
    $0
  • 2023
    Revenue
    $1,157,873
    Expenses
    $1,098,465
    Contributions
    $1,145,999
    Grants paid
    $0
  • 2022
    Revenue
    $808,910
    Expenses
    $745,587
    Contributions
    $797,482
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $290,601
    Expenses
    $316,199
    Assets (EOY)
    $852,671

  • 2020 · 990

    Revenue
    $672,857
    Expenses
    $219,607
    Assets (EOY)
    $870,354

  • 2019 · 990

    Revenue
    $256,619
    Expenses
    $251,291
    Assets (EOY)
    $370,070

  • 2018 · 990

    Revenue
    $37,470
    Expenses
    $157,076
    Assets (EOY)
    $359,630

  • 2017 · 990

    Revenue
    $359,557
    Expenses
    $97,516
    Assets (EOY)
    $484,492

  • 2016 · 990

    Revenue
    $217,687
    Expenses
    $65,323
    Assets (EOY)
    $213,140

  • 2013 · 990-EZ

    Revenue
    $383
    Expenses
    $69,433
    Assets (EOY)
    $52,594

  • 2012 · 990-EZ

    Revenue
    $865
    Expenses
    $84,141
    Assets (EOY)
    $111,205

  • 2011 · 990-EZ

    Revenue
    $77,016
    Expenses
    $78,548
    Assets (EOY)
    $195,125

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.

Form 990-N e-Postcard, tax year 2015

Tax period
1 January 2015 to 31 December 2015
Principal officer
Michael Hildebrandt
Mailing address
1010 9th StreetRapid City SD 57701
Website
bhclf.org

As filed, from the IRS e-Postcard file of 26 October 2026. The IRS publishes only each organization's most recent postcard, so earlier years are not shown. A 990-N carries no financial detail. The postcard also gives the principal officer's address, which is not shown here.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Listed as of 13 October 2026, under deductibility PC.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 26 October 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.