{"success":true,"data":{"_id":411672450,"filings":[{"Organization":{"value":null,"Person":["PETER INGEBRAND","DAVID WASMUTH","DENNIS WELCH","KEVIN MAAS","JIM LOUWAGIE","BRUCE HALBASCH","ROBERT HECK","AL MADSEN","JONATHAN DOLPHIN","LEONARD KIRSCHT","SHELLEY PETERSON-BOURLAND","BRYAN TOFT","MIKE BRASS","CAROL MALONEY","LEVI SMITH","PAUL LAMBERT","DEBORAH GUSTAFSON","SHEIL NELSON","MICHAEL KINDERMAN","MELISSA MILLER"],"Title":["PRESIDENT","BOARD CHAIR","VICE CHAIR","TREASUER/SEC","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","VICE PRESIDE","SENIOR LENDO","SENIOR LENDO","LOAN OFFICER","LOAN OFFICER"],"Hours":[45.0,2.5,2.5,2.5,2.0,2.0,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,45.0,45.0,45.0,45.0,45.0],"Total Compensation":[310630,5550,4800,4800,3325,3275,1850,1825,1775,1775,1775,1700,0,0,0,187729,250179,206900,134090,125799],"Direct compensation":[274329,5550,4800,4800,3325,3275,1850,1825,1775,1775,1775,1700,0,0,0,158491,214242,171623,121141,119648],"Other compensation":[36301,0,0,0,0,0,0,0,0,0,0,0,0,0,0,29238,35937,35277,12949,6151]},"Basic":{"value":null,"mission":"Administer sba 504 loan program within minnesota and western wisonsin.","year":2018,"name":"TWIN CITIES-METRO CERTIFIED DEVELOPMENT COMPANY","phone":6514818081,"website":"WWW.504LENDING.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER INGEBRAND","year_formation":1990,"state_legal_domicile":"MN","total_volunteers":null,"tax_period_begin":"2018-10-01T00:00:00","tax_period_end":"2019-09-30T00:00:00","address":"3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN, 55110, USA","city":"VADNAIS HEIGHTS","state":"MN","country":"USA","zip_code":55110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":13,"Number of employees total":14,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":14,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3074278,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2688055,"Total revenue":2688055,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":338651,"Investment income total":338651,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":47572,"Other total":47572,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2864591,"Grant expense":{"value":100000,"Grants to domestic orgs":100000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2218407,"Current officers":533150,"Disqualified persons":0,"Other salaries and wages":1331351,"Pension plan contributions":42048,"Other employee benefits":197658,"Payroll taxes":114200},"Other expenses":{"value":546184,"Management services":0,"Legal":81838,"Accounting":18406,"Lobbying services":0,"Investment management fees":0,"Other services":59004,"Advertising":15650,"Office expenses":102728,"Information technology":9840,"Royalties":0,"Occupancy":91099,"Travel":0,"Conferences and meetings":71732,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":42548,"Insurance":20705,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":32634,"STAFF EXPENSE":20315,"DONATIONS":7935,"MISCELLANEOUS EXPENSE":4384},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2360496,"Management And General Expenses":504095,"Fundraising Expenses":0}},"Assets":{"value":5607845,"Non-interest bearing cash":23618,"Savings and temp cash investments":3918422,"Pledges and grants receivable":0,"Accounts receivable":161825,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":30723,"Land, building, equipment":1327531,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":145726},"Liabilities":{"value":2196929,"Sum of Total Liabilities":0,"Accounts payable, accrued":476377,"Grants payable":0,"Deferred, revenue":458600,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1261952},"Fund balance":{"value":3410916,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":3410916,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8240254891536,"percentile":0.656489209154697},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0682069090693815,"percentile":0.563702251563634},"Liabilities to Assets Ratio":{"score":0.3917599363035177,"percentile":0.16742846584829074},"Operating Reserve Ratio":{"score":1.95764246972779,"percentile":0.6104577387723642},"Officer Compensation Ratio":{"score":0.4355864414850148,"percentile":0.09689936299386534},"Program Expense Growth":{"score":0.01764373420880985,"percentile":0.3947824380613213},"Revenue Growth":{"score":0.009301093626801291,"percentile":0.4116647082983025},"Asset Growth":{"score":0.04719073908707088,"percentile":0.5158983040108197},"Independent Voting Board Pct":{"score":0.8666666666666667,"percentile":0.2182776831415857},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5065585465493263,"percentile":0.33785832005268396}},"source_xml":"202010229349300826_public.xml"},{"Organization":{"value":null,"Person":["PETER D INGEBRAND","TRUMAN JEFFERS","DAVE WASMUTH","BRUCE HALBASCH","AL MADSEN","DENNIS WELCH","JIM LOUWAGIE","KEVIN MAAS","ROBERT HECK","MARK LAUTENSCHLAGER","LEONARD KIRSCHT","JONATHAN DOLPHIN","SHELLEY PETERSON-BOURLAND","ARLEEN SULLIVAN","PAUL LAMBERT","DEBORAH GUSTAFSON","SHEIL NELSON","ANGELA WAY","MARK SMITH","TERRIE ORTLOFF"],"Title":["BOARD MEMBER/PRESIDENT","BOARD MEMBER/CHAIR","BOARD MEMBER/TREASURER/VICE CHAIR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER (FORMER PRESIDENT/CEO)","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SECRETARY/VICE PRESIDENT","SENIOR LENDER/VICE PRESIDENT","SENIOR LENDER","LOAN OFFICER","SENIOR LENDER","LOAN CLOSER/ASSISTANT SECRETARY"],"Hours":[45.0,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.0,1.0,1.0,1.0,1.0,45.0,45.0,45.0,45.0,45.0,45.0],"Total Compensation":[208802,3450,3600,3475,4850,2425,2375,3425,150939,2050,1975,1825,2150,0,142951,202271,170630,153072,149672,123077],"Direct compensation":[177370,3450,3600,3475,4850,2425,2375,3425,150939,2050,1975,1825,2150,0,118493,169954,141309,129038,137054,101213],"Other compensation":[31432,0,0,0,0,0,0,0,0,0,0,0,0,0,24458,32317,29321,24034,12618,21864]},"Basic":{"value":null,"mission":"Administer sba 504 loan program within minnesota and western wisconsin.","year":2013,"name":"TWIN CITIES-METRO CERTIFIED DEVELOPMENT CO","phone":6514818081,"website":"WWW.504LENDING.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER D INGEBRAND","year_formation":1990,"state_legal_domicile":"MN","total_volunteers":0,"tax_period_begin":"2013-10-01T00:00:00","tax_period_end":"2014-09-30T00:00:00","address":"3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN, 55110, USA","city":"VADNAIS HEIGHTS","state":"MN","country":"USA","zip_code":55110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":14,"Number of independent voting members":12,"Number of employees total":17,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":17,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":2888862,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2719551,"Total revenue":2719551,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":157567,"Investment income total":143525,"Net investment gain":14042,"Income from invest bond proceeds":0},"Other revenues":{"value":11744,"Other total":11744,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2513408,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1794675,"Current officers":396640,"Disqualified persons":0,"Other salaries and wages":1080263,"Pension plan contributions":32831,"Other employee benefits":193514,"Payroll taxes":91427},"Other expenses":{"value":718733,"Management services":0,"Legal":95783,"Accounting":18312,"Lobbying services":0,"Investment management fees":0,"Other services":56679,"Advertising":5283,"Office expenses":83517,"Information technology":2610,"Royalties":0,"Occupancy":102735,"Travel":0,"Conferences and meetings":50458,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":40535,"Insurance":13078,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":245589,"LOAN LOSSES":202566,"STAFF EXPENSE":20866,"MEMBERSHIPS":11369,"RECORDING FEES":10788},"All other expenses":4154},"Functional Expenses":{"value":null,"Program Service Expenses":2195566,"Management And General Expenses":317842,"Fundraising Expenses":0}},"Assets":{"value":4400101,"Non-interest bearing cash":104918,"Savings and temp cash investments":2453334,"Pledges and grants receivable":0,"Accounts receivable":258096,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":16246,"Land, building, equipment":1507821,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":59686},"Liabilities":{"value":1926444,"Sum of Total Liabilities":0,"Accounts payable, accrued":1089403,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":837041},"Fund balance":{"value":2473657,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":2473657,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.873541422642086,"percentile":0.7292982124012148},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.12996605583790433,"percentile":0.6707940340095613},"Liabilities to Assets Ratio":{"score":0.4378181319019723,"percentile":0.1528819729513153},"Operating Reserve Ratio":{"score":1.750651306910776,"percentile":0.5806844387086448},"Officer Compensation Ratio":{"score":0.5303611669892035,"percentile":0.06297779733505507},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8571428571428571,"percentile":0.21680981203217933},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5790262022294645,"percentile":0.5435463643484909}},"source_xml":"201512189349300116_public.xml"},{"Organization":{"value":null,"Person":["PETER INGEBRAND","DENNIS WELCH","JIM LOUWAGIE","KEVIN MAAS","DAVID WASMUTH","MIKE BRASS","JONATHAN DOLPHIN","BRUCE HALBASCH","ROBERT HECK","LEONARD KIRSCHT","AL MADSEN","CAROL MALONEY","SHELLEY PETERSON-BOURLAND","LEVI SMITH","ROYCE NELLIGAN","BRYAN TOFT","PAUL LAMBERT","DEBORAH GUSTAFSON","SHEIL NELSON","MELISSA MILLER","MICHAEL KINDERMAN","TERRIE ORTLOFF"],"Title":["PRESIDENT","BOARD CHAIR","VICE CHAIR","TREASURER/SE","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","VICE PRESIDE","SENIOR LENDE","SENIOR LENDE","LOAN OFFICER","LOAN OFFICER","SENIOR LOAN"],"Hours":[45.0,2.5,2.5,2.5,2.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,2.5,1.5,45.0,45.0,45.0,45.0,45.0,45.0],"Total Compensation":[330223,5190,3655,4805,5660,1840,2120,3375,1910,2190,1770,2225,2085,1840,2050,2190,211625,308761,280835,135413,139419,144952],"Direct compensation":[288379,5190,3655,4805,5660,1840,2120,3375,1910,2190,1770,2225,2085,1840,2050,2190,178879,266983,240661,129159,126022,124927],"Other compensation":[41844,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,32746,41778,40174,6254,13397,20025]},"Basic":{"value":null,"mission":"Administer sba 504 loan program within minnesota and western wisconsin.","year":2020,"name":"TWIN CITIES-METRO CERTIFIED DEVELOPMENT COMPANY","phone":6514818081,"website":"WWW.504LENDING.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER INGEBRAND","year_formation":1990,"state_legal_domicile":"MN","total_volunteers":null,"tax_period_begin":"2020-10-01T00:00:00","tax_period_end":"2021-09-30T00:00:00","address":"3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN, 55110, USA","city":"VADNAIS HEIGHTS","state":"MN","country":"USA","zip_code":55110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":16,"Number of independent voting members":14,"Number of employees total":13,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":13,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3126535,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2969733,"Total revenue":2969733,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":133980,"Investment income total":133980,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":22822,"Other total":22822,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2904521,"Grant expense":{"value":100000,"Grants to domestic orgs":100000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2308766,"Current officers":633718,"Disqualified persons":0,"Other salaries and wages":1327880,"Pension plan contributions":41242,"Other employee benefits":186195,"Payroll taxes":119731},"Other expenses":{"value":495755,"Management services":0,"Legal":64900,"Accounting":19042,"Lobbying services":0,"Investment management fees":0,"Other services":75519,"Advertising":14406,"Office expenses":101008,"Information technology":17176,"Royalties":0,"Occupancy":87305,"Travel":0,"Conferences and meetings":24663,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":37911,"Insurance":24587,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":29238,"STAFF EXPENSE":16691,"DONATIONS":8175,"MISCELLANEOUS EXPENSE":4372},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2322543,"Management And General Expenses":581978,"Fundraising Expenses":0}},"Assets":{"value":6544135,"Non-interest bearing cash":53908,"Savings and temp cash investments":4816408,"Pledges and grants receivable":0,"Accounts receivable":362127,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":12465,"Land, building, equipment":1249597,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":49630},"Liabilities":{"value":2200547,"Sum of Total Liabilities":0,"Accounts payable, accrued":643717,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1556830},"Fund balance":{"value":4343588,"Net assets without donor restriction":4343588,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.799630300486724,"percentile":0.6242981318424593},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.07100960008443852,"percentile":0.5693582156077461},"Liabilities to Assets Ratio":{"score":0.33626247013547245,"percentile":0.1872284848574233},"Operating Reserve Ratio":{"score":2.2530857928037014,"percentile":0.6462877145274732},"Officer Compensation Ratio":{"score":0.5488454034245234,"percentile":0.0580953697277767},"Program Expense Growth":{"score":0.020715048375568035,"percentile":0.4081920238286},"Revenue Growth":{"score":0.024670765115129542,"percentile":0.48833140016198884},"Asset Growth":{"score":0.05406502266410722,"percentile":0.5421378721199542},"Independent Voting Board Pct":{"score":0.875,"percentile":0.22520058322737488},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5097949917612704,"percentile":0.34673663997337806}},"source_xml":"202240259349301024_public.xml"},{"Organization":{"value":null,"Person":["PETE INGEBRAND","BRUCE HALBASCH","DAVE WASMUTH BOARD MEMBER","JONATHAN DOLPHIN","ROBERT HECK","LEONARD KIRSCHT","MARK LAUTENSCHLAGER","CHAD LINDGREN","JIM LOUWAGIE","KEVIN MAAS","AL MADSEN","SHELLEY PETERSON-BOURLAND","KARLA REYERSON","BRYAN TOFT","DENNIS WELCH","PAUL LAMBERT","DEBORAH GUSTAFSON","SHEIL NELSON","MELISSA MILLER","MICHAEL KINDERMAN","HEIDI PAUTSCH"],"Title":["BOARD MEMBER/PRESIDENT","BOARD MEMBER/CHAIR","TREASURER/VICE CHAIR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SECRETARY/VICE PRESIDENT","SENIOR LENDER/VICE PRESIDE","SENIOR LENDER","LOAN SERVICING OFFICER","LOAN OFFICER","LOAN OFFICER"],"Hours":[45.0,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,45.0,45.0,45.0,45.0,45.0,45.0],"Total Compensation":[282403,5025,5625,1950,1875,1675,2700,1650,3350,2525,3250,1825,1875,1850,3275,179546,222166,214667,120878,125846,137189],"Direct compensation":[244823,5025,5625,1950,1875,1675,2700,1650,3350,2525,3250,1825,1875,1850,3275,151425,188700,181357,113909,113843,110978],"Other compensation":[37580,0,0,0,0,0,0,0,0,0,0,0,0,0,0,28121,33466,33310,6969,12003,26211]},"Basic":{"value":null,"mission":"Administer sba 504 loan program within minnesota and western wisconsin.","year":2016,"name":"TWIN CITIES-METRO CERTIFIED DEVELOPMENT CO","phone":6514818081,"website":"WWW.504LENDING.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER D INGEBRAND","year_formation":1990,"state_legal_domicile":"MN","total_volunteers":0,"tax_period_begin":"2016-10-01T00:00:00","tax_period_end":"2017-09-30T00:00:00","address":"3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN, 55110, USA","city":"VADNAIS HEIGHTS","state":"MN","country":"USA","zip_code":55110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":13,"Number of employees total":13,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":13,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":2837122,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2625208,"Total revenue":2625208,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":209222,"Investment income total":209222,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":2692,"Other total":2692,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2633541,"Grant expense":{"value":90000,"Grants to domestic orgs":90000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2041064,"Current officers":482749,"Disqualified persons":0,"Other salaries and wages":1229087,"Pension plan contributions":37890,"Other employee benefits":185222,"Payroll taxes":106116},"Other expenses":{"value":502477,"Management services":0,"Legal":106417,"Accounting":17753,"Lobbying services":0,"Investment management fees":0,"Other services":32372,"Advertising":6030,"Office expenses":84187,"Information technology":3096,"Royalties":0,"Occupancy":80557,"Travel":0,"Conferences and meetings":56038,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":40965,"Insurance":21382,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":53680,"STAFF EXPENSE":26607,"MEMBERSHIPS":12921,"RECORDING FEES":11414,"DONATIONS":2738},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2174072,"Management And General Expenses":459469,"Fundraising Expenses":0}},"Assets":{"value":5129146,"Non-interest bearing cash":8526,"Savings and temp cash investments":3419471,"Pledges and grants receivable":0,"Accounts receivable":183245,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":21637,"Land, building, equipment":1402095,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":94172},"Liabilities":{"value":1981533,"Sum of Total Liabilities":0,"Accounts payable, accrued":572674,"Grants payable":0,"Deferred, revenue":297628,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1111231},"Fund balance":{"value":3147613,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":3147613,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8255318599558541,"percentile":0.6584886774669105},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0717561669889416,"percentile":0.5708620841102505},"Liabilities to Assets Ratio":{"score":0.3863280553916773,"percentile":0.16924641899077894},"Operating Reserve Ratio":{"score":1.9476233709670743,"percentile":0.60911908612706},"Officer Compensation Ratio":{"score":0.5016610715382824,"percentile":0.07160324036517843},"Program Expense Growth":{"score":0.0013805878543651524,"percentile":0.32949543316586705},"Revenue Growth":{"score":-0.014696738182028782,"percentile":0.31365418098347325},"Asset Growth":{"score":0.0546087659150674,"percentile":0.5441791822255467},"Independent Voting Board Pct":{"score":0.8666666666666667,"percentile":0.2182776831415857},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.49253354887096545,"percentile":0.3035963445200098}},"source_xml":"201820399349300842_public.xml"},{"Organization":{"value":null,"Person":["PETER D INGEBRAND","BRUCE HALBASCH","DAVE WASMUTH","AL MADSEN","BRYAN TOFT","DENNIS WELCH","JIM LOUWAGIE","JONATHAN DOLPHIN","KEVIN MAAS","LEONARD KIRSCHT","MARK LAUTENSCHLAGER","ROBERT HECK","SHELLEY PETERSON-BOURLAND","TRUMAN JEFFERS","KARLA REYERSON","PAUL LAMBERT","DEBORAH GUSTAFSON","SHEIL NELSON","HEIDI PAUTSCH","TERRIE ORTLOFF"],"Title":["BOARD MEMBER/PRESIDENT","BOARD MEMBER/CHAIR","BOARD MEMBER/TREASURER/VICE CHAIR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER (FORMER PRESIDENT/CEO)","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SECRETARY/VICE PRESIDENT","SENIOR LENDER/VICE PRESIDENT","SENIOR LENDER","SENIOR LENDER/ASSISTANT SECRETARY","LOAN CLOSER/ASSISTANT SECRRETARY"],"Hours":[45.0,1.5,1.5,1.5,1.0,1.5,1.5,1.0,1.5,1.0,1.0,1.5,1.0,1.5,1.5,45.0,45.0,45.0,45.0,45.0],"Total Compensation":[232522,3225,5700,3300,0,3375,2300,1800,2300,1925,1975,1925,1850,4975,0,222428,219521,267440,136309,130619],"Direct compensation":[195843,3225,5700,3300,0,3375,2300,1800,2300,1925,1975,1925,1850,4975,0,192745,182812,232044,109608,109515],"Other compensation":[36679,0,0,0,0,0,0,0,0,0,0,0,0,0,0,29683,36709,35396,26701,21104]},"Basic":{"value":null,"mission":"Administer sba 504 loan program within minnesota and western wisconsin.","year":2014,"name":"TWIN CITIES-METRO CERTIFIED DEVELOPMENT CO","phone":6514818081,"website":"WWW.504LENDING.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER D INGEBRAND","year_formation":1990,"state_legal_domicile":"MN","total_volunteers":0,"tax_period_begin":"2014-10-01T00:00:00","tax_period_end":"2015-09-30T00:00:00","address":"3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN, 55110, USA","city":"VADNAIS HEIGHTS","state":"MN","country":"USA","zip_code":55110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":13,"Number of employees total":14,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":14,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":2778785,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2617391,"Total revenue":2617391,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":145432,"Investment income total":145432,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":15962,"Other total":15962,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2360814,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1852187,"Current officers":500652,"Disqualified persons":0,"Other salaries and wages":1048824,"Pension plan contributions":34627,"Other employee benefits":174708,"Payroll taxes":93376},"Other expenses":{"value":508627,"Management services":0,"Legal":110454,"Accounting":19039,"Lobbying services":0,"Investment management fees":0,"Other services":33184,"Advertising":5719,"Office expenses":86754,"Information technology":2803,"Royalties":0,"Occupancy":90235,"Travel":0,"Conferences and meetings":53334,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":41120,"Insurance":14572,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":51413,"STAFF EXPENSE":25159,"MEMBERSHIPS":10806,"RECORDING FEES":9643,"DONATIONS":5805},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":1996401,"Management And General Expenses":364413,"Fundraising Expenses":0}},"Assets":{"value":4527475,"Non-interest bearing cash":32811,"Savings and temp cash investments":2735372,"Pledges and grants receivable":0,"Accounts receivable":183892,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":21253,"Land, building, equipment":1481715,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":72432},"Liabilities":{"value":1635847,"Sum of Total Liabilities":0,"Accounts payable, accrued":707265,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":928582},"Fund balance":{"value":2891628,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":2891628,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8456409526544658,"percentile":0.6866310731231824},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.15041501951392425,"percentile":0.699132345930924},"Liabilities to Assets Ratio":{"score":0.3613155235534155,"percentile":0.17796132788623362},"Operating Reserve Ratio":{"score":1.9177601454413604,"percentile":0.6050505844580892},"Officer Compensation Ratio":{"score":0.5267204447279624,"percentile":0.064031741395924},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8666666666666667,"percentile":0.2182776831415857},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5733720010109814,"percentile":0.5269196379557326}},"source_xml":"201600289349300410_public.xml"},{"Organization":{"value":null,"Person":["PETE INGEBRAND","DENNIS WELCH","JIM LOUWAGIE","KEVIN MAAS","DAVID WASMUTH","ROYCE NELLIGAN","BRUCE HALBASCH","MIKE BRASS","JONATHAN DOLPHIN","ROBERT HECK","LEONARD KIRSCHT","CAROL MALONEY","AL MADSEN","SHELLEY PETERSON","LEVI SMITH","BRYAN TOFT","PAUL LAMBERT","DEBORAH GUSTAFSON","SHEIL NELSON","MELISSA MILLER","MICHAEL KINDERMAN","TERRIE ORLOFF"],"Title":["PRESIDENT","BOARD MEMBER/CHAIR","BOARD MEMBER/VICE CHAIR","BOARD MEMBER/TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SECRETARY/VICE PRESIDENT","SENIOR LENDER/VP","SENIOR LENDER","LOAN OFFICER","LOAN OFFICER","LOAN OFFICER"],"Hours":[45.0,2.5,2.5,2.5,2.5,2.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,45.0,45.0,45.0,45.0,45.0,45.0],"Total Compensation":[372594,6290,4965,4545,5260,3830,2260,2085,2295,2190,2470,2260,2015,2225,2260,2295,235002,281697,255707,148527,158324,152876],"Direct compensation":[330282,6290,4965,4545,5260,3830,2260,2085,2295,2190,2470,2260,2015,2225,2260,2295,201071,243268,215192,142167,144147,134819],"Other compensation":[42312,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,33931,38429,40515,6360,14177,18057]},"Basic":{"value":null,"mission":"Administer sba 504 loan program within minnesota and western wisconsin.","year":2022,"name":"TWIN CITIES-METRO CERTIFIED DEVELOPMENT CO","phone":6514818081,"website":"WWW.504LENDING.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER D INGEBRAND","year_formation":1990,"state_legal_domicile":"MN","total_volunteers":0,"tax_period_begin":"2022-10-01T00:00:00","tax_period_end":"2023-09-30T00:00:00","address":"3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN, 55110, USA","city":"VADNAIS HEIGHTS","state":"MN","country":"USA","zip_code":55110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":14,"Number of employees total":15,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":15,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3331044,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3232559,"Total revenue":{"value":3232559,"LOAN SERVICING FEES":1912075,"LOAN PROCESSING FEES":824263,"LOAN FLOAT REVENUE":496221},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":80937,"Investment income total":80937,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":17548,"Other total":17548,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3585188,"Grant expense":{"value":100000,"Grants to domestic orgs":100000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2854838,"Current officers":674571,"Disqualified persons":0,"Other salaries and wages":1732916,"Pension plan contributions":49222,"Other employee benefits":249684,"Payroll taxes":148445},"Other expenses":{"value":630350,"Management services":0,"Legal":44897,"Accounting":19725,"Lobbying services":0,"Investment management fees":0,"Other services":91646,"Advertising":18436,"Office expenses":118905,"Information technology":29280,"Royalties":0,"Occupancy":102866,"Travel":0,"Conferences and meetings":87496,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":35875,"Insurance":30241,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":50983,"STAFF EXPENSE":30621,"DONATIONS":10746,"MISCELLANEOUS":7415,"BAD DEBT":2201},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2995391,"Management And General Expenses":589797,"Fundraising Expenses":0}},"Assets":{"value":7320907,"Non-interest bearing cash":30592,"Savings and temp cash investments":4739313,"Pledges and grants receivable":0,"Accounts receivable":1078022,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":25065,"Land, building, equipment":1177656,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":270259},"Liabilities":{"value":2999982,"Sum of Total Liabilities":0,"Accounts payable, accrued":1128617,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1871365},"Fund balance":{"value":4320925,"Net assets without donor restriction":4320925,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.835490635358592,"percentile":0.6722092433116094},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.07629559981795497,"percentile":0.24941452253143115},"Liabilities to Assets Ratio":{"score":0.40978283155352196,"percentile":0.1615606252038156},"Operating Reserve Ratio":{"score":2.041986919514402,"percentile":0.62150910047352},"Officer Compensation Ratio":{"score":0.4607769522825581,"percentile":0.08618898613804714},"Program Expense Growth":{"score":0.036304458962327486,"percentile":0.47617525606233413},"Revenue Growth":{"score":0.02768164307299192,"percentile":0.5032791121466152},"Asset Growth":{"score":0.05944618233656751,"percentile":0.5617707278766254},"Independent Voting Board Pct":{"score":0.9333333333333333,"percentile":0.25846041760016036},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.48109782778021243,"percentile":0.2770885750151538}},"source_xml":"202410229349300866_public.xml"},{"Organization":{"value":null,"Person":["PETE INGEBRAND","DENNIS WELCH","JIM LOUWAGIE","KEVIN MAAS","DAVID WASMUTH","ROYCE NELLIGAN","BRUCE HALBASCH","MIKE BRASS","JONATHAN DOLPHIN","ROBERT HECK","LEONARD KIRSCHT","CAROL MALONEY","AL MADSEN","SHELLEY PETERSON","LEVI SMITH","BRYAN TOFT","PAUL LAMBERT","DEBORAH GUSTAFSON","SHEIL NELSON","MELISSA MILLER","MICHAEL KINDERMAN","HEIDI PAUTSCH"],"Title":["PRESIDENT","BOARD MEMBER/CHAIR","BOARD MEMBER/VICE CHAIR","BOARD MEMBER/TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SECRETARY/VICE PRESIDENT","SENIOR LENDER/VP","SENIOR LENDER","LOAN OFFICER","LOAN OFFICER","LOAN OFFICER/VP"],"Hours":[45.0,2.5,2.5,2.5,2.5,2.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,45.0,45.0,45.0,45.0,45.0,45.0],"Total Compensation":[365016,6465,4965,4650,5435,3865,2155,1945,2575,2365,3555,2680,2155,2750,2330,2785,208982,265664,243586,140249,144876,148665],"Direct compensation":[323218,6465,4965,4650,5435,3865,2155,1945,2575,2365,3555,2680,2155,2750,2330,2785,175498,227713,203455,134068,131092,118241],"Other compensation":[41798,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,33484,37951,40131,6181,13784,30424]},"Basic":{"value":null,"mission":"Administer sba 504 loan program within minnesota and western wisconsin.","year":2021,"name":"TWIN CITIES-METRO CERTIFIED DEVELOPMENT CO","phone":6514818081,"website":"WWW.504LENDING.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER D INGEBRAND","year_formation":1990,"state_legal_domicile":"MN","total_volunteers":0,"tax_period_begin":"2021-10-01T00:00:00","tax_period_end":"2022-09-30T00:00:00","address":"3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN, 55110, USA","city":"VADNAIS HEIGHTS","state":"MN","country":"USA","zip_code":55110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":14,"Number of employees total":13,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":13,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3463785,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3392464,"Total revenue":{"value":3392464,"LOAN SERVICING FEES":1854843,"LOAN PROCESSING FEES":1350148,"LOAN FLOAT REVENUE":187473},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":44926,"Investment income total":44926,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":26395,"Other total":26395,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3232304,"Grant expense":{"value":100000,"Grants to domestic orgs":100000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2553909,"Current officers":654438,"Disqualified persons":0,"Other salaries and wages":1522401,"Pension plan contributions":40699,"Other employee benefits":204205,"Payroll taxes":132166},"Other expenses":{"value":578395,"Management services":0,"Legal":89400,"Accounting":19294,"Lobbying services":0,"Investment management fees":0,"Other services":78776,"Advertising":15183,"Office expenses":102216,"Information technology":21223,"Royalties":0,"Occupancy":106375,"Travel":0,"Conferences and meetings":45412,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":36066,"Insurance":25959,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":38491,"STAFF EXPENSE":19516,"DONATIONS":9327,"MISCELLANEOUS":8172,"BAD DEBT":1476},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2658220,"Management And General Expenses":574084,"Fundraising Expenses":0}},"Assets":{"value":7176468,"Non-interest bearing cash":7527,"Savings and temp cash investments":4999814,"Pledges and grants receivable":0,"Accounts receivable":796336,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":10245,"Land, building, equipment":1213531,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":149015},"Liabilities":{"value":2601399,"Sum of Total Liabilities":0,"Accounts payable, accrued":887934,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1713465},"Fund balance":{"value":4575069,"Net assets without donor restriction":4575069,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8223917057306491,"percentile":0.6543439294949772},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.06682891692180663,"percentile":0.5608822178911642},"Liabilities to Assets Ratio":{"score":0.36249015532431833,"percentile":0.17752665785036206},"Operating Reserve Ratio":{"score":2.2202329978863373,"percentile":0.6426977650118961},"Officer Compensation Ratio":{"score":0.4850140952088665,"percentile":0.07717038973952735},"Program Expense Growth":{"score":0.027272238571377515,"percentile":0.4370056238169462},"Revenue Growth":{"score":0.029394249380451327,"percentile":0.5117142344403504},"Asset Growth":{"score":0.059441934669067886,"percentile":0.5617558687315084},"Independent Voting Board Pct":{"score":0.9333333333333333,"percentile":0.25846041760016036},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5260064216589083,"percentile":0.38955276025856417}},"source_xml":"202310329349301111_public.xml"},{"Organization":{"value":null,"Person":["PETE INGEBRAND","PAUL LAMBERT - SECRETARY","JIM LOUWAGIE","KEVIN MAAS - BOARD MEMBER","BRAD BENESH","MIKE BRASS","KATE CROW","JONATHAN DOLPHIN","DEBORAH MALMBERG SMITH","ROYCE NELLIGAN","SHELLEY PETERSON","STEVE POWELL","MIKE SCHOLL","LEVI SMITH","BRYAN TOFT","DAVID WASMUTH","DENNIS WELCH","DEBORAH GUSTAFSON - SENIOR","SHEIL NELSON","MICHAEL KINNINGER","MELISSA MILLER","MICHAEL KINDERMAN"],"Title":["PRESIDENT","SENIOR VICE PRESIDENT","BOARD MEMBER/CHAIR","TREASURER/SECRETARY","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","LENDER/SENIOR VICE PRESIDENT","SENIOR LENDER","LOAN OFFICER","LOAN OFFICER","LOAN OFFICER"],"Hours":[45.0,45.0,2.5,2.5,1.5,1.5,1.5,1.5,1.5,2.5,1.5,1.5,1.5,1.5,1.5,2.5,2.5,45.0,45.0,45.0,45.0,45.0],"Total Compensation":[330934,249330,5835,4875,1840,1665,0,3480,0,3515,1805,1735,1770,2050,1665,3620,3270,309697,270569,193561,160691,163505],"Direct compensation":[290411,210638,5835,4875,1840,1665,0,3480,0,3515,1805,1735,1770,2050,1665,3620,3270,265345,223887,166952,153987,147826],"Other compensation":[40523,38692,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,44352,46682,26609,6704,15679]},"Basic":{"value":null,"mission":"Administer sba 504 loan program within minnesota and western wisconsin.","year":2024,"name":"TWIN CITIES-METRO CERTIFIED DEVELOPMENT","phone":6514818081,"website":"WWW.504LENDING.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER D INGEBRAND","year_formation":1990,"state_legal_domicile":"MN","total_volunteers":0,"tax_period_begin":"2024-10-01T00:00:00","tax_period_end":"2025-09-30T00:00:00","address":"3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN, 55110, USA","city":"VADNAIS HEIGHTS","state":"MN","country":"USA","zip_code":55110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":17,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":17,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3938336,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3752084,"Total revenue":{"value":3752084,"LOAN SERVICING FEES":2182278,"LOAN PROCESSING FEES":1041525,"LOAN FLOAT REVENUE":528281},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":172558,"Investment income total":172558,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":13694,"Other total":13694,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3960053,"Grant expense":{"value":100000,"Grants to domestic orgs":100000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":3174870,"Current officers":665233,"Disqualified persons":0,"Other salaries and wages":1972089,"Pension plan contributions":53350,"Other employee benefits":315107,"Payroll taxes":169091},"Other expenses":{"value":685183,"Management services":0,"Legal":53363,"Accounting":20500,"Lobbying services":0,"Investment management fees":0,"Other services":95644,"Advertising":16488,"Office expenses":113070,"Information technology":29481,"Royalties":0,"Occupancy":96976,"Travel":0,"Conferences and meetings":109078,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":38375,"Insurance":32680,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":79528,"STAFF EXPENSE":30711,"CREDIT LOSSES":20521,"DONATIONS":16069,"MISCELLANEOUS":12227},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3328951,"Management And General Expenses":631102,"Fundraising Expenses":0}},"Assets":{"value":7493854,"Non-interest bearing cash":62893,"Savings and temp cash investments":4934059,"Pledges and grants receivable":0,"Accounts receivable":1057264,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":42985,"Land, building, equipment":1110281,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":286372},"Liabilities":{"value":3277002,"Sum of Total Liabilities":0,"Accounts payable, accrued":1076278,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2200724},"Fund balance":{"value":4216852,"Net assets without donor restriction":4216852,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8406329410237692,"percentile":0.679491352017594},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.0055142577982173185,"percentile":0.3712478440101747},"Liabilities to Assets Ratio":{"score":0.437291946173491,"percentile":0.1530353979545518},"Operating Reserve Ratio":{"score":1.8923620466695774,"percentile":0.6015172205011904},"Officer Compensation Ratio":{"score":0.43317905088644015,"percentile":0.0979982388682653},"Program Expense Growth":{"score":0.044995312992334585,"percentile":0.5121015320466735},"Revenue Growth":{"score":0.032742945011614566,"percentile":0.5280354639653222},"Asset Growth":{"score":0.05357412473470265,"percentile":0.5403113187154858},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5646554007708122,"percentile":0.5008690334320391}},"source_xml":"202610269349300136_public.xml"},{"Organization":{"value":null,"Person":["PETE INGEBRAND","DAVID WASMUTH","DENNIS WELCH","KEVIN MAAS","JONATHAN DOLPHIN","BRUCE HALBASCH","ROBERT HECK","LEONARD KIRSCHT","MARK LAUTENSCHLAGER","CHAD LINDGREN","JIM LOUWAGIE","AL MADSEN","SHELLEY PETERSON-BOURLAND","KARLA REYERSON","BRYAN TOFT","PAUL LAMBERT","DEBORAH GUSTAFSON-SENIOR","SHEIL NELSON","MELISSA MILLER","MICHAEL KINDERMAN","ANGIE WAY"],"Title":["BOARD MEMBER/PRESIDENT","BOARD MEMBER/CHAIR","BOARD MEMBER/VICE CHAIR","BOARD MEMBER/TREASURER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SECRETARY/VICE PRESIDENT","LENDOR/VICE PRESIDENT","SENIOR LENDER","LOAN SERVICING OFFICER","LOAN OFFICER","LOAN OFFICER"],"Hours":[45.0,2.5,2.5,2.5,1.5,2.0,1.5,1.5,1.5,1.5,2.0,1.5,1.5,1.5,1.5,45.0,45.0,45.0,45.0,45.0,45.0],"Total Compensation":[268967,5650,3525,2650,1925,5000,1875,1975,2925,1875,3475,3400,1825,1975,1900,187649,251595,236057,124200,125311,132072],"Direct compensation":[231260,5650,3525,2650,1925,5000,1875,1975,2925,1875,3475,3400,1825,1975,1900,159682,217413,202406,118049,112641,105539],"Other compensation":[37707,0,0,0,0,0,0,0,0,0,0,0,0,0,0,27967,34182,33651,6151,12670,26533]},"Basic":{"value":null,"mission":"Administer sba 504 loan program within minnesota and western wisconsin.","year":2017,"name":"TWIN CITIES-METRO CERTIFIED DEVELOPMENT CO","phone":6514818081,"website":"WWW.504LENDING.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER D INGEBRAND","year_formation":1990,"state_legal_domicile":"MN","total_volunteers":0,"tax_period_begin":"2017-10-01T00:00:00","tax_period_end":"2018-09-30T00:00:00","address":"3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN, 55110, USA","city":"VADNAIS HEIGHTS","state":"MN","country":"USA","zip_code":55110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":13,"Number of employees total":14,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":14,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":2670362,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2309892,"Total revenue":2309892,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":329770,"Investment income total":329770,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":30700,"Other total":30700,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2616746,"Grant expense":{"value":80000,"Grants to domestic orgs":80000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2015592,"Current officers":556181,"Disqualified persons":0,"Other salaries and wages":1165029,"Pension plan contributions":30794,"Other employee benefits":161590,"Payroll taxes":101998},"Other expenses":{"value":521154,"Management services":0,"Legal":83807,"Accounting":18138,"Lobbying services":0,"Investment management fees":0,"Other services":37433,"Advertising":6036,"Office expenses":89079,"Information technology":3539,"Royalties":0,"Occupancy":95361,"Travel":0,"Conferences and meetings":76629,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":41498,"Insurance":16316,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":53318,"STAFF EXPENSE":23303,"RECORDING FEES":13453,"MEMBERSHIPS":13122,"DONATIONS":3440},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2137952,"Management And General Expenses":478794,"Fundraising Expenses":0}},"Assets":{"value":5181648,"Non-interest bearing cash":28379,"Savings and temp cash investments":3447354,"Pledges and grants receivable":0,"Accounts receivable":151149,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":21481,"Land, building, equipment":1370079,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":163206},"Liabilities":{"value":1980419,"Sum of Total Liabilities":0,"Accounts payable, accrued":426676,"Grants payable":0,"Deferred, revenue":402466,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1151277},"Fund balance":{"value":3201229,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":3201229,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8170269487370956,"percentile":0.647240057035599},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.02007817666668414,"percentile":0.4525083055158082},"Liabilities to Assets Ratio":{"score":0.38219867501613386,"percentile":0.17067394749218742},"Operating Reserve Ratio":{"score":1.9801876070508946,"percentile":0.6134783971493812},"Officer Compensation Ratio":{"score":0.5219558948403857,"percentile":0.06540606882284021},"Program Expense Growth":{"score":0.002947076002967701,"percentile":0.3352177933009483},"Revenue Growth":{"score":-0.01381603676482983,"percentile":0.3166187503342105},"Asset Growth":{"score":0.04477984129873568,"percentile":0.5063834046338664},"Independent Voting Board Pct":{"score":0.8666666666666667,"percentile":0.2182776831415857},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.46846007574214155,"percentile":0.24913631615818227}},"source_xml":"201900229349300210_public.xml"},{"Organization":{"value":null,"Person":["PETER INGEBRAND","DAVID WASMUTH","DENNIS WELCH","KEVIN MAAS","MIKE BRASS","JONATHAN DOLPHIN","BRUCE HALBASCH","ROBERT HECK","LEONARD KIRSCHT","JIM LOUWAGIE","AL MADSEN","CAROL MALONEY","SHELLEY PETERSON-BOURLAND","LEVI SMITH","ROYCE NELLIGAN","BRYAN TOFT","PAUL LAMBERT","DEBORAH GUSTAFSON","SHEIL NELSON","MELISSA MILLER","MICHAEL KINDERMAN","TERRIE ORTLOFF"],"Title":["PRESIDENT","BOARD CHAIR","VICE CHAIR","TREASURER/SE","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","VICE PRESIDE","SENIOR LENDO","SENIOR LENDO","LOAN OFFICER","LOAN OFFICER","SENIOR LOAN"],"Hours":[45.0,2.5,2.5,2.5,1.5,1.5,2.0,1.5,1.5,2.0,1.5,1.5,1.5,1.5,1.5,1.5,45.0,45.0,45.0,45.0,45.0,45.0],"Total Compensation":[289838,5725,5300,4825,2050,1975,3450,2125,2175,3550,1975,2150,2250,1925,0,2125,198444,261844,260681,136522,134012,133147],"Direct compensation":[250477,5725,5300,4825,2050,1975,3450,2125,2175,3550,1975,2150,2250,1925,0,2125,168415,224927,222564,130387,121141,113566],"Other compensation":[39361,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,30029,36917,38117,6135,12871,19581]},"Basic":{"value":null,"mission":"Administer sba 504 loan program within minnesota and western wisconsin.","year":2019,"name":"TWIN CITIES-METRO CERTIFIED DEVELOPMENT COMPANY","phone":6514818081,"website":"WWW.504LENDING.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER INGEBRAND","year_formation":1990,"state_legal_domicile":"MN","total_volunteers":null,"tax_period_begin":"2019-10-01T00:00:00","tax_period_end":"2020-09-30T00:00:00","address":"3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN, 55110, USA","city":"VADNAIS HEIGHTS","state":"MN","country":"USA","zip_code":55110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":16,"Number of independent voting members":14,"Number of employees total":15,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":15,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3357156,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3113312,"Total revenue":3113312,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":237322,"Investment income total":237322,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":6522,"Other total":6522,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3007587,"Grant expense":{"value":100000,"Grants to domestic orgs":100000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2344065,"Current officers":579302,"Disqualified persons":0,"Other salaries and wages":1409402,"Pension plan contributions":42989,"Other employee benefits":198012,"Payroll taxes":114360},"Other expenses":{"value":563522,"Management services":0,"Legal":82284,"Accounting":18649,"Lobbying services":0,"Investment management fees":0,"Other services":53562,"Advertising":13447,"Office expenses":93871,"Information technology":10852,"Royalties":0,"Occupancy":83470,"Travel":0,"Conferences and meetings":70303,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":40023,"Insurance":22540,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":74521,"LOAN LOSSES":50000,"STAFF EXPENSE":13579,"DONATIONS":5740,"MISCELLANEOUS EXPENSE":5202},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2434065,"Management And General Expenses":573522,"Fundraising Expenses":0}},"Assets":{"value":5904729,"Non-interest bearing cash":1525,"Savings and temp cash investments":4380274,"Pledges and grants receivable":0,"Accounts receivable":179830,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":14358,"Land, building, equipment":1287508,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":41234},"Liabilities":{"value":2144244,"Sum of Total Liabilities":0,"Accounts payable, accrued":548401,"Grants payable":0,"Deferred, revenue":182652,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1413191},"Fund balance":{"value":3760485,"Net assets without donor restriction":3760485,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8093082594119472,"percentile":0.6372785641207415},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.10412652852593088,"percentile":0.6302674375071204},"Liabilities to Assets Ratio":{"score":0.3631401204018,"percentile":0.1772880194941932},"Operating Reserve Ratio":{"score":1.9632778702660971,"percentile":0.6112226542709264},"Officer Compensation Ratio":{"score":0.48413828095413364,"percentile":0.07750737834101},"Program Expense Growth":{"score":0.02423170341254099,"percentile":0.42358232769294973},"Revenue Growth":{"score":0.0265407570420393,"percentile":0.4976229411585198},"Asset Growth":{"score":0.048505533635539784,"percentile":0.5210308770231917},"Independent Voting Board Pct":{"score":0.875,"percentile":0.22520058322737488},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5234936800006804,"percentile":0.38274468175737736}},"source_xml":"202130399349300103_public.xml"},{"Organization":{"value":null,"Person":["PETE INGEBRAND","PAUL LAMBERT","JIM LOUWAGIE","KEVIN MAAS - BOARD MEMBER","BRAD BENESH","MIKE BRASS","JONATHAN DOLPHIN","CAROL MALONEY","ROYCE NELLIGAN","SHELLEY PETERSON","STEVE POWELL","MIKE SCHOLL","LEVI SMITH","BRYAN TOFT","DAVID WASMUTH","DENNIS WELCH","DEBORAH GUSTAFSON","SHEIL NELSON","MICHAEL KINNINGER","MELISSA MILLER","MICHAEL KINDERMAN"],"Title":["PRESIDENT","SECRETARY/SENIOR VICE PRESIDENT","BOARD MEMBER/CHAIR","TREASURER/SECRETARY","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SENIOR LENDER/SENIOR VICE PRESIDENT","SENIOR LENDER","LOAN OFFICER","LOAN OFFICER","LOAN OFFICER"],"Hours":[45.0,45.0,2.5,2.5,1.5,1.5,1.5,1.5,2.5,1.5,1.5,1.5,1.5,1.5,2.5,2.5,45.0,45.0,45.0,45.0,45.0],"Total Compensation":[382500,233245,4405,4020,0,1805,2015,1945,3340,1910,0,0,1805,1945,4875,5800,301315,258250,180908,159663,158704],"Direct compensation":[343762,196711,4405,4020,0,1805,2015,1945,3340,1910,0,0,1805,1945,4875,5800,260034,214788,165473,153060,143672],"Other compensation":[38738,36534,0,0,0,0,0,0,0,0,0,0,0,0,0,0,41281,43462,15435,6603,15032]},"Basic":{"value":null,"mission":"Administer sba 504 loan program within minnesota and western wisconsin.","year":2023,"name":"TWIN CITIES-METRO CERTIFIED DEVELOPMENT CO","phone":6514818081,"website":"WWW.504LENDING.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER D INGEBRAND","year_formation":1990,"state_legal_domicile":"MN","total_volunteers":0,"tax_period_begin":"2023-10-01T00:00:00","tax_period_end":"2024-09-30T00:00:00","address":"3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN, 55110, USA","city":"VADNAIS HEIGHTS","state":"MN","country":"USA","zip_code":55110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":14,"Number of independent voting members":14,"Number of employees total":16,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":16,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3600147,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3421041,"Total revenue":{"value":3421041,"LOAN SERVICING FEES":2031807,"LOAN PROCESSING FEES":859589,"LOAN FLOAT REVENUE":529645},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":152036,"Investment income total":152036,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":27070,"Other total":27070,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3682503,"Grant expense":{"value":100000,"Grants to domestic orgs":100000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2936933,"Current officers":631927,"Disqualified persons":0,"Other salaries and wages":1826496,"Pension plan contributions":48367,"Other employee benefits":271675,"Payroll taxes":158468},"Other expenses":{"value":645570,"Management services":0,"Legal":69750,"Accounting":20064,"Lobbying services":0,"Investment management fees":0,"Other services":76309,"Advertising":17429,"Office expenses":109299,"Information technology":30058,"Royalties":0,"Occupancy":92732,"Travel":0,"Conferences and meetings":102562,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":36500,"Insurance":31615,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":59252,"STAFF EXPENSE":28713,"DONATIONS":11069,"CREDIT LOSSES":9932,"MISCELLANEOUS":9538},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3120874,"Management And General Expenses":561629,"Fundraising Expenses":0}},"Assets":{"value":7429184,"Non-interest bearing cash":18591,"Savings and temp cash investments":4905236,"Pledges and grants receivable":0,"Accounts receivable":1017728,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":20333,"Land, building, equipment":1148656,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":318640},"Liabilities":{"value":3190615,"Sum of Total Liabilities":0,"Accounts payable, accrued":1166866,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2023749},"Fund balance":{"value":4238569,"Net assets without donor restriction":4238569,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8474871575121595,"percentile":0.6893213327640515},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.022875732574253217,"percentile":0.3326789871520024},"Liabilities to Assets Ratio":{"score":0.4294704505905359,"percentile":0.155407647570682},"Operating Reserve Ratio":{"score":2.0174278201538463,"percentile":0.6183382882747245},"Officer Compensation Ratio":{"score":0.46393716447753064,"percentile":0.08493040696990106},"Program Expense Growth":{"score":0.04122990529701574,"percentile":0.49674764631735535},"Revenue Growth":{"score":0.029226227626516135,"percentile":0.5108922516644732},"Asset Growth":{"score":0.057054663753115374,"percentile":0.5532028887299553},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5587844828554537,"percentile":0.4833631743808424}},"source_xml":"202500379349300910_public.xml"},{"Organization":{"value":null,"Person":["PETER D INGEBRAND","BRUCE HALBASCH","DAVE WASMUTH BOARD MEMBER","JONATHAN DOLPHIN","ROBERT HECK","LEONARD KIRSCHT","MARK LAUTENSCHLAGER","CHAD LINDGREN","JIM LOUWAGIE","KEVIN MAAS","AL MADSEN","SHELLEY PETERSON-BOURLAND","KARLA REYERSON","BRYAN TOFT","DENNIS WELCH","PAUL LAMBERT","DEBORAH GUSTAFSON","SHEIL NELSON","TERRIE ORTLOFF LOAN CLOSING","MELISSA MILLER"],"Title":["BOARD MEMBER/PRESIDENT","BOARD MEMBER/CHAIR","TREASURER/VICE CHAIR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SECRETARY/VICE PRESIDENT","SENIOR LENDER/VICE PRESIDENT","SENIOR LENDER","OFFICER / ASSISTANT SECRETARY","LOAN SERVICING OFFICER"],"Hours":[45.0,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,1.5,45.0,45.0,45.0,45.0,45.0],"Total Compensation":[272609,4675,5500,1750,1800,1725,1775,0,2450,2400,3175,1700,825,1575,3275,167261,242002,195134,133878,110797],"Direct compensation":[237286,4675,5500,1750,1800,1725,1775,0,2450,2400,3175,1700,825,1575,3275,140592,210033,163957,114033,104348],"Other compensation":[35323,0,0,0,0,0,0,0,0,0,0,0,0,0,0,26669,31969,31177,19845,6449]},"Basic":{"value":null,"mission":"Administer sba 504 loan program within minnesota and western wisconsin.","year":2015,"name":"TWIN CITIES-METRO CERTIFIED DEVELOPMENT CO","phone":6514818081,"website":"WWW.504LENDING.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER D INGEBRAND","year_formation":1990,"state_legal_domicile":"MN","total_volunteers":0,"tax_period_begin":"2015-10-01T00:00:00","tax_period_end":"2016-09-30T00:00:00","address":"3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN, 55110, USA","city":"VADNAIS HEIGHTS","state":"MN","country":"USA","zip_code":55110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":13,"Number of employees total":13,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":13,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":2528618,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2393361,"Total revenue":2393361,"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":134898,"Investment income total":134898,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":359,"Other total":359,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2476214,"Grant expense":{"value":15000,"Grants to domestic orgs":15000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1973595,"Current officers":497075,"Disqualified persons":0,"Other salaries and wages":1162742,"Pension plan contributions":35857,"Other employee benefits":177360,"Payroll taxes":100561},"Other expenses":{"value":487619,"Management services":0,"Legal":73119,"Accounting":18538,"Lobbying services":0,"Investment management fees":0,"Other services":36767,"Advertising":12150,"Office expenses":85053,"Information technology":3187,"Royalties":0,"Occupancy":79246,"Travel":0,"Conferences and meetings":59343,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":40937,"Insurance":20513,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":58766,"STAFF EXPENSE":28699,"MEMBERSHIPS":14989,"RECORDING FEES":11771,"DONATIONS":3307},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2090069,"Management And General Expenses":386145,"Fundraising Expenses":0}},"Assets":{"value":4932830,"Non-interest bearing cash":49813,"Savings and temp cash investments":3162848,"Pledges and grants receivable":0,"Accounts receivable":194401,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":18268,"Land, building, equipment":1440779,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":66721},"Liabilities":{"value":1988798,"Sum of Total Liabilities":0,"Accounts payable, accrued":948048,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1040750},"Fund balance":{"value":2944032,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":2944032,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8440583083691474,"percentile":0.6843283010964046},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.020724364059735396,"percentile":0.45417195622538176},"Liabilities to Assets Ratio":{"score":0.4031758645645603,"percentile":0.16369628486168397},"Operating Reserve Ratio":{"score":1.9920854982646896,"percentile":0.6150563258713823},"Officer Compensation Ratio":{"score":0.4661576099642438,"percentile":0.08409233096969203},"Program Expense Growth":{"score":-0.025190161278922946,"percentile":0.24698822023288755},"Revenue Growth":{"score":-0.06592832222969852,"percentile":0.1903287679133312},"Asset Growth":{"score":0.057652964855430644,"percentile":0.555374286445628},"Independent Voting Board Pct":{"score":0.8666666666666667,"percentile":0.2182776831415857},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.46147043487954886,"percentile":0.23444424157109564}},"source_xml":"201730339349300333_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["PETE INGEBRAND","PAUL LAMBERT - SECRETARY","JIM LOUWAGIE","KEVIN MAAS - BOARD MEMBER","BRAD BENESH","MIKE BRASS","KATE CROW","JONATHAN DOLPHIN","DEBORAH MALMBERG SMITH","ROYCE NELLIGAN","SHELLEY PETERSON","STEVE POWELL","MIKE SCHOLL","LEVI SMITH","BRYAN TOFT","DAVID WASMUTH","DENNIS WELCH","DEBORAH GUSTAFSON - SENIOR","SHEIL NELSON","MICHAEL KINNINGER","MELISSA MILLER","MICHAEL KINDERMAN"],"Title":["PRESIDENT","SENIOR VICE PRESIDENT","BOARD MEMBER/CHAIR","TREASURER/SECRETARY","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","LENDER/SENIOR VICE PRESIDENT","SENIOR LENDER","LOAN OFFICER","LOAN OFFICER","LOAN OFFICER"],"Hours":[45.0,45.0,2.5,2.5,1.5,1.5,1.5,1.5,1.5,2.5,1.5,1.5,1.5,1.5,1.5,2.5,2.5,45.0,45.0,45.0,45.0,45.0],"Total Compensation":[330934,249330,5835,4875,1840,1665,0,3480,0,3515,1805,1735,1770,2050,1665,3620,3270,309697,270569,193561,160691,163505],"Direct compensation":[290411,210638,5835,4875,1840,1665,0,3480,0,3515,1805,1735,1770,2050,1665,3620,3270,265345,223887,166952,153987,147826],"Other compensation":[40523,38692,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,44352,46682,26609,6704,15679]},"Basic":{"value":null,"mission":"Administer sba 504 loan program within minnesota and western wisconsin.","year":2024,"name":"TWIN CITIES-METRO CERTIFIED DEVELOPMENT","phone":6514818081,"website":"WWW.504LENDING.COM","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PETER D INGEBRAND","year_formation":1990,"state_legal_domicile":"MN","total_volunteers":0,"tax_period_begin":"2024-10-01T00:00:00","tax_period_end":"2025-09-30T00:00:00","address":"3495 VADNAIS CENTER DRIVE, VADNAIS HEIGHTS, MN, 55110, USA","city":"VADNAIS HEIGHTS","state":"MN","country":"USA","zip_code":55110},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":17,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":17,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3938336,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3752084,"Total revenue":{"value":3752084,"LOAN SERVICING FEES":2182278,"LOAN PROCESSING FEES":1041525,"LOAN FLOAT REVENUE":528281},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":172558,"Investment income total":172558,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":13694,"Other total":13694,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3960053,"Grant expense":{"value":100000,"Grants to domestic orgs":100000,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":3174870,"Current officers":665233,"Disqualified persons":0,"Other salaries and wages":1972089,"Pension plan contributions":53350,"Other employee benefits":315107,"Payroll taxes":169091},"Other expenses":{"value":685183,"Management services":0,"Legal":53363,"Accounting":20500,"Lobbying services":0,"Investment management fees":0,"Other services":95644,"Advertising":16488,"Office expenses":113070,"Information technology":29481,"Royalties":0,"Occupancy":96976,"Travel":0,"Conferences and meetings":109078,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":38375,"Insurance":32680,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":79528,"STAFF EXPENSE":30711,"CREDIT LOSSES":20521,"DONATIONS":16069,"MISCELLANEOUS":12227},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3328951,"Management And General Expenses":631102,"Fundraising Expenses":0}},"Assets":{"value":7493854,"Non-interest bearing cash":62893,"Savings and temp cash investments":4934059,"Pledges and grants receivable":0,"Accounts receivable":1057264,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":42985,"Land, building, equipment":1110281,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":286372},"Liabilities":{"value":3277002,"Sum of Total Liabilities":0,"Accounts payable, accrued":1076278,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2200724},"Fund balance":{"value":4216852,"Net assets without donor restriction":4216852,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8406329410237692,"percentile":0.679491352017594},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.0055142577982173185,"percentile":0.3712478440101747},"Liabilities to Assets Ratio":{"score":0.437291946173491,"percentile":0.1530353979545518},"Operating Reserve Ratio":{"score":1.8923620466695774,"percentile":0.6015172205011904},"Officer Compensation Ratio":{"score":0.43317905088644015,"percentile":0.0979982388682653},"Program Expense Growth":{"score":0.044995312992334585,"percentile":0.5121015320466735},"Revenue Growth":{"score":0.032742945011614566,"percentile":0.5280354639653222},"Asset Growth":{"score":0.05357412473470265,"percentile":0.5403113187154858},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5646554007708122,"percentile":0.5008690334320391}},"source_xml":"202610269349300136_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}