Rural Dynamics INC DBA Rural Dynamics

Tax-deductible

Great Falls, MT501(c)(3)Human ServicesEIN 81-0303443Revenue $841K in FY2024

On file with the IRSruraldynamics.org2 5th St N Ste 201, 59401-4011 · Great Falls, MTTax-exempt since Jul 1974Publicly supported charity — 170(b)(1)(A)(vi)

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Rural Dynamics, INC. Helps people achieve financial security and pursue economic opportunities.

501(c)(3) charity; gifts are tax-deductible.
85¢ of each $1 spent went to programs.
Run by 125 volunteers and 9 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2024 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2024
latest Form 990
Looks good: the latest return is for FY2024, 2 tax years back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
4 of 5
filings with a surplus
Average surplus $54K a year · 7% of revenue · last 5 filings
Fine: a surplus in 4 of the last 5 filings.
Pt I · Ln 19 · 5 filings
Spent on programs
85%
of spending
Looks good: 85% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$86K
to officers and key staff · 12% of spending
Top officer’s pay higher than 77% of similar orgs
Looks good: pay to officers and key staff is 12% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
2 mo
of spending, in cash
Fine: 2.5 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $321K
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$4.9M
92% of total assets
Concern: liabilities are 92% of assets; over 80%.
Pt X · Ln 26
Independent board members
5
of 5 voting members
Looks good: 5 of 5 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$841K
+6% vs prior year
Spent
$721K
To programs
85%
Net assets
$433K
By yearFY2020–FY2024
Revenue
$841K
FY2024▲ +6%
Tap a bar for its year
Revenue by fiscal year
FY2020$793K
FY2021$763K
FY2022$609K
FY2023$793K
FY2024$841K
Expenses
$721K
FY2024▲ +13%
Tap a bar for its year
Expenses by fiscal year
FY2020$723K
FY2021$711K
FY2022$739K
FY2023$637K
FY2024$721K
Net assets
$433K
FY2024▲ +39%
Tap a bar for its year
Net assets by fiscal year
FY2020$233K
FY2021$286K
FY2022$156K
FY2023$312K
FY2024$433K

From the FY2024 Form 990 · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2024. IRS ruling in Jul 1974.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

85 cents of each dollar spent went to programs.

Program services 85% · $614K Management & general 14% · $104K Fundraising 0% · $3K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

8 people listed on the 990; $86K paid to officers and key staff.

Part VII, Section A · reportable compensation
Executive Director
$85,986Pt VII · Sec A
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
CFO (served Until 09/2024)
$0Pt VII · Sec A
CFO (began Service 08/2024)
$0Pt VII · Sec A
Director
$0Pt VII · Sec A

Jordyn Swartz’s $86K as Executive Director is at the 77th percentile of top reported officer pay among 2168 $100K–1M human services nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 3 named individuals · Part VII

NameFY2024FY2023FY2022FY2021
Jeffrey Thomas Jacobson—$33,815$134,395$26,209
Jordyn Swartz$85,986———
Jordyn Rogers—$74,540——

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Empowers individuals to build financial security and find economic opportunities.

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Provided by the organization

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1 program · $614K · in their own filed words · FY2024
01

Rural dynamics, inc. Provides personal finance assistance through trust fund activity for 229 clients, financial education, and counseling to 782 clients and prepared 3,091 tax returns which returned $3.6 million dollars to montana taxpayers through the tax help montana program.

$614Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · funders on record
Grants received · FY2024
Total grants receivedfrom 1 funder$321K

By the numbers

The FY2024 990, line by line.

1The main four
Money inPt VIII
$841K
Ln 12
Gifts and grantsLn 1h$675K
Fees for servicesLn 2g$164K
Investment incomeLn 3$2K
Money outPt IX
$721K
Ln 25
Programscol B$614K
Managementcol C$104K
Fundraisingcol D$3K
Owns and owesPt X
$433K
net assets · Ln 32
Cash and savingsLn 1–2$149K
Total assetsLn 16$5.4M
LiabilitiesLn 26$4.9M
PeoplePt VI, VII
8
listed · VII A
PaidVII A1
Voting boardVI 1a5
IndependentVI 1b5
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$675K
Government grantsLn 1e$431K
Fees for servicesLn 2g$164K
Investment incomeLn 3$2K
Total revenueLn 12$841K
Assets in detailPt X, end of year
CashLn 1$149K
Cash and savings togetherLn 1–2$149K
InvestmentsLn 11–13$835K
Land, buildings, equipmentLn 10c$9K
Other assetsLn 15$3.6M
Total assetsLn 16$5.4M
LiabilitiesLn 26$4.9M
Net assetsLn 32$433K
OperationsPt I, VI
EmployeesI 59
VolunteersI 6125
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY24End FY24
Cash and savingsLn 1–2$168K$149K
InvestmentsLn 11–13$888K$835K
Land, buildings, equipmentLn 10c$14K$9K
Total assetsLn 16$5.6M$5.4M
LiabilitiesLn 26$5.3M$4.9M
Net assetsLn 32$312K$433K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Pay of current officers, directors and key staffLn 5$91K$91K
Other salaries and wagesLn 7$256K$210K$47K
Pension plan contributionsLn 8$13K$13K$133
Other employee benefitsLn 9$65K$61K$4K
Payroll taxesLn 10$33K$32K$914
Legal feesLn 11b$10K$10K
Accounting feesLn 11c$2K$2K
Investment management feesLn 11f$276$276
Other fees for servicesLn 11g$5K$104$5K
Advertising and promotionLn 12$3K$3K
Office expensesLn 13$125K$103K$22K
OccupancyLn 16$72K$72K
TravelLn 17$16K$13K$2K
Conferences, conventions and meetingsLn 19$3K$2K$734
Depreciation, depletion and amortizationLn 22$5K$5K
InsuranceLn 23$2K$996$1K
Other expenses (24a–d)Ln 24$20K$16K$4K
Total functional expensesLn 25$721K$614K$104K$3K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2024 Latest Viewing $841K$721K$121K$433K 990 PDF
FY2023 $793K$637K$156K$312K 990 PDF
FY2022 $609K$739K−$130K$156K 990 PDF
FY2021 $763K$711K$53K$286K 990 PDF
FY2020 $793K$723K$70K$233K 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2024 990 (6 parts)
Part I · Summary $841,348 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $564,457$675,498
I-9 Program service revenuePrior year $226,573$164,347
I-10 Investment incomePrior year $1,950$1,503
I-11 Other revenuePrior year $0$0
I-12 Total revenuePrior year $792,980$841,348
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $433,830$458,469
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $203,267$262,244
I-18 Total expensesPrior year $637,097$720,713
I-19 Revenue less expensesPrior year $155,883$120,635
Part VI · Governance 5 of 5 board members independent, no flags
VI-1a Voting members of the governing body5
VI-1b Independent voting members5
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $841,348 across 7 lines filed
VIII-1a Federated campaigns$12
VIII-1e Government grants$431,010
VIII-1f All other contributions, gifts and grants$244,476
VIII-1h Total contributions, gifts and grants$675,498
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $164,347$164,347
VIII-3 Investment incomeExcluded from tax $1,503$1,503
VIII-12 Total revenueRelated to mission $164,347 · Unrelated business $0 · Excluded from tax $1,503$841,348
Part IX · Statement of functional expenses $720,713 across 17 lines filed
IX-5 Pay of current officers, directors and key staffPrograms $90,605$90,605
IX-7 Other salaries and wagesPrograms $209,631 · Management $46,602$256,233
IX-8 Pension plan contributionsPrograms $13,241 · Management $133$13,374
IX-9 Other employee benefitsPrograms $61,169 · Management $4,299$65,468
IX-10 Payroll taxesPrograms $31,875 · Management $914$32,789
IX-11b Legal feesManagement $9,816$9,816
IX-11c Accounting feesManagement $2,289$2,289
IX-11f Investment management feesManagement $276$276
IX-11g Other fees for servicesPrograms $104 · Management $4,819$4,923
IX-12 Advertising and promotionFundraising $2,591$2,591
IX-13 Office expensesPrograms $103,386 · Management $21,594$124,980
IX-16 OccupancyPrograms $71,665$71,665
IX-17 TravelPrograms $13,110 · Management $2,411$15,521
IX-19 Conferences, conventions and meetingsPrograms $1,900 · Management $734$2,634
IX-22 Depreciation, depletion and amortizationManagement $5,088$5,088
IX-23 InsurancePrograms $996 · Management $1,284$2,280
IX-24 Other expenses (24a–d)Programs $16,306 · Management $3,875$20,181
IX-25 Total functional expensesPrograms $613,988 · Management $104,134 · Fundraising $2,591$720,713
Part X · Balance sheet $5,378,070 assets, 14 lines filed
Asset lines not itemized here account for $465,238; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $167,723$149,439
X-4 Accounts receivableStart of year $180,232$350,913
X-9 Prepaid expenses and deferred chargesStart of year $5,251$4,000
X-10c Land, buildings and equipment, netStart of year $13,992$8,904
X-11 Publicly traded securitiesStart of year $887,727$834,747
X-15 Other assetsStart of year $3,893,622$3,564,829
X-16 Total assetsStart of year $5,574,186$5,378,070
X-17 Accounts payable and accrued expensesStart of year $54,981$71,467
X-19 Deferred revenueStart of year $2,474$11,250
X-25 Other liabilitiesStart of year $3,376,556$3,425,339
X-26 Total liabilitiesStart of year $5,262,266$4,945,542
X-27 Net assets without donor restrictionsStart of year $311,920$432,528
X-32 Total net assets or fund balancesStart of year $311,920$432,528
X-33 Total liabilities and net assetsStart of year $5,574,186$5,378,070
Part XI · Reconciliation of net assets $432,528 net assets at year end
XI-1 Total revenue$841,348
XI-2 Total expenses$720,713
XI-3 Revenue less expenses$120,635
XI-4 Net assets at start of year$311,920
XI-5 Net unrealized gains (losses) on investments−$27
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$432,528

Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File

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