NORTH DAKOTA RURAL REHABILITATION CORP

EIN: 456002345

BISMARCK, ND

Total Revenue
$12,691,515
Total Expenses
$1,281,263
Total Assets
$93,558,577
Net Assets
$93,553,141
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Financial Trends

Organization Details

Formation Year
1934
Legal Domicile
ND
Principal Officer
WILLIAM FORTIER
Phone
7012235810
Tax Period
2023-07-01 to 2024-06-30

NORTH DAKOTA RURAL REHABILITATION CORP, founded in 1934, is a mid-sized nonprofit that reported $12.7M in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $11.4M, a strong 90% operating margin.

Mission

THE NORTH DAKOTA RURAL REHABILITATION CORPORATION IS A CHARITABLE NON-PROFIT, CHARITABLE CORPORATION COMMITTED TO PROVIDING LOW INTEREST LOANS AND GRANT TO QUALIFYING NORTH DAKOTA FARMERS, RANCHERS, COOPERATIVES, NON-PROFIT AND PUBLIC ENTITIES, THE PRIMARY PURPOSE OF WHICH IS TO ASSIST IN THE DEVELOPMENT, REHABILITATION AND ENHANCEMENT OF THE ECONOMIC, EDUCATION, SOCIAL, INFRASTRUCTURE AND PUBLIC SAFETY OPPORTUNITIES IN THEIR INDIVIDUAL OPERATIONS AND THEIR RURAL NORTH DAKOTA COMMUNITIES IN A MANNER THAT ADDS TO THE QUALITY OF LIFE OF LOW INCOME FARMERS, RANCHERS AND OTHER LOW INCOME RURAL RESIDENTS AND IS CONSISTENT WITH ITS CORPORATE AUTHORITY.

Program Service Accomplishments

Program 1
Expenses: $680,264

NDRRC PROVIDES NUMEROUS GRANTS AND SCHOLARSHIPS THROUGHOUT THE YEAR. NDRRC GIVES TUITION ASSISTANCE TO FARMERS AND RANCHERS TO PARTICIPATE IN FARM BUSINESS MANAGEMENT PROGRAMS SPONSORED BY THE NORTH...

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NDRRC PROVIDES NUMEROUS GRANTS AND SCHOLARSHIPS THROUGHOUT THE YEAR. NDRRC GIVES TUITION ASSISTANCE TO FARMERS AND RANCHERS TO PARTICIPATE IN FARM BUSINESS MANAGEMENT PROGRAMS SPONSORED BY THE NORTH DAKOTA VOCATIONAL AGRICULTURAL SCHOOLS. TUITION ASSISTANCE IS ALSO GIVEN FOR ARTIFICIAL INSEMINATION SCHOOLS THROUGHOUT THE STATE. NDRRC SUPPORTS THE AMBASSADORS PROGRAM OF THE NORTH DAKOTA 4-H FOUNDATION AS WELL AS THE NORTH DAKOTA FFA FOUNDATION. NDRRC ALSO PROVIDES INDIVIDUAL GRANTS ON A CASE-BY-CASE BASIS AS WELL AS GRANTS TO INSTITUTIONAL ENTITIES BENEFITTING INDIVIDUAL FARMERS AND RANCHERS TO REHABILITATE THEIR FARMING OPERATIONS. THE NDRRC ALSO HAS A FRESHMAN CAREER SCHOLARSHIP WHICH IS AVAILABLE TO FAMILY MEMBERS OF NDRRC'S BORROWERS WHO ARE INTENDING TO CONTINUE THEIR EDUCATION AFTER GRADUATION FROM HIGH SCHOOL. NDRRC PROVIDED GRANTS TO OVER 100 INDIVIDUALS AND ORGANIZATIONS DURING THE CURRENT YEAR.

Program 2
Expenses: $206,368 Revenue: $1,396,028

REAL ESTATE LOANS--ND RURAL REHABILITATION CORPORATION (NDRRC) PARTICIPATES WITH THE FARM SERVICE AGENCY (FSA) IN PROVIDING REAL ESTATE LOANS TO NORTH DAKOTA FARMERS AND RANCHERS WHO ARE UNABLE TO...

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REAL ESTATE LOANS--ND RURAL REHABILITATION CORPORATION (NDRRC) PARTICIPATES WITH THE FARM SERVICE AGENCY (FSA) IN PROVIDING REAL ESTATE LOANS TO NORTH DAKOTA FARMERS AND RANCHERS WHO ARE UNABLE TO SECURE CONVENTIONAL CREDIT. THESE LOANS HAVE BEEN FOR BORROWERS WITH FSA LOANS WHERE FSA SUBORDINATES THEIR LIEN TO THIS CORPORATION. NDRCC ALSO PROVIDES DIRECT REAL ESTATE LOANS TO FARMERS AND RANCHERS WHO ARE UNABLE TO SECURE CONVENTIONAL CREDIT. SOME OF THESE LOAN REQUESTS ARE SUBMITTED BY CREDIT COUNSELORS ON BEHALF OF THEIR CLIENTS AND SOME FARMERS AND RANCHERS COME DIRECTLY TO THE CORPORATION THEMSELVES. THE LOANS MAY INVOLVE REFINANCE OF EXISTING FIRST MORTGAGE LOANS WHICH ARE EITHER BEING TERMINATED OR HAVE SUCH HIGH INTEREST RATES THAT THE OPERATORS NO LONGER HAVE AN ADEQUATE CASH FLOW TO SUCCEED. LOANS FOR THE PURCHASE OF LAND ARE ALSO MADE. NDRCC REQUIRES A FIRST MORTGAGE. NDRCC HAD APPROXIMATELY 138 LOANS TO FARMERS AND RANCHERS OUTSTANDING DURING THE CURRENT YEAR WITH AN OUTSTANDING BALANCE IN EXCESS OF $33,808,215.

Program 3
Revenue: $480,070

STARTING FARMER LOANS: THESE LOANS ARE MADE TO INDIVIDUALS STARTING FARM AND RANCH OPERATIONS AND ARE SECURED BY A FIRST MORGAGE ON REAL ESTATE. NDRRC HAD LOANS TO APPROXIMATELY 77 FARMERS AND...

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STARTING FARMER LOANS: THESE LOANS ARE MADE TO INDIVIDUALS STARTING FARM AND RANCH OPERATIONS AND ARE SECURED BY A FIRST MORGAGE ON REAL ESTATE. NDRRC HAD LOANS TO APPROXIMATELY 77 FARMERS AND RANCHERS IN THE CURRENT YEAR.

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $1,876,098
Investment Income $1,403,091
Other Revenue $9,412,326
TOTAL REVENUE $12,691,515

Expense Breakdown

Grants Paid $638,404
Salaries & Benefits $470,431
Fundraising Expenses $0
Program Expenses $886,632
Other Expenses $172,428
TOTAL EXPENSES $1,281,263

Year-over-Year Comparison

2023 2022 Change
Revenue $12,691,515 $11,583,662 +0.1%
Expenses $1,281,263 $912,875 +0.4%
Net Income $11,410,252 $10,670,787 +0.1%
Key Indicators
Grants to Organizations Grants to Individuals Lobbying Political Activity Foreign Activities Donor Advised Fund Schedule B Required
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Governance

Voting Members
6
Independent Members
3
Employees
4
Volunteers
N/A

Governance Policies

Conflict of Interest Policy
Whistleblower Policy
Document Retention Policy

Special Practices & Reported Activities

Operated a School
Operated a Hospital
Provided First Class Travel
Reported Conflict of Interest
Reported Asset Diversion
Excess Benefit Transaction
Made Political Expenditures
Engaged in Lobbying
Operated Donor Advised Fund
Maintained Art Collections
Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
4
$266,396
Total Directors
7
$225,843
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
WILLIAM FORTIER PRESIDENT 20.00
Officer Director
$71,975 $0 $71,975
KENNETH L DALSTED SEC./TREAS. 10.00
Officer Director
$64,390 $0 $64,390
DONALD C GIFFEY DIRECTOR 10.00
Director
$31,578 $0 $31,578
JASON SILLERS VICE PRESIDENT 10.00
Officer Director
$16,700 $0 $16,700
H ROALD LUND DIRECTOR 10.00
Director
$16,450 $0 $16,450
SHANA FORSTER DIRECTOR 10.00
Director
$21,450 $0 $21,450
LUELLA DUNN DIRECTOR (TERM 3/2023) 10.00
Director
$3,300 $0 $3,300
TERESE BERG BUSINESS MANAGER 40.00
Officer
$113,331 $0 $113,331
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2025 No data No data No data No data
2024 $12,691,515 $1,281,263 $93,558,577 $11,410,252
2023 $11,583,662 $912,875 $82,220,993 $10,670,787
2022 $5,035,416 $879,705 $71,544,583 $4,155,711
2021 $3,585,105 $1,288,831 $67,383,826 $2,296,274
2020 $4,355,152 $826,701 $65,083,576 $3,528,451
2019 $3,239,442 $1,024,648 $61,549,381 $2,214,794
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