MICAH PROGRAM INC: Form 990EZ, tax year 2025
View the entire original 990 at ProPublica ↗
- Organization
- MICAH PROGRAM INC (EIN 85-1875845)
- Tax period
- 2025-01-01 to 2025-12-31
- Filed
- 2026-07-07
- IRS object ID
- 202611899349200201
- Schema version
- 2025v4.0
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2026-07-07T16:11:22-04:00 | ReturnTs |
| Tax Period End | 2025-12-31 | TaxPeriodEndDt |
| Return Type | 990EZ | ReturnTypeCd |
| Tax Period Begin | 2025-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 851875845 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | Micah Programs | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | MICA | BusinessNameControlTxt |
| Phone | 8643536136 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 701 East McBee Avenue | AddressLine1Txt |
| City | Greenville | CityNm |
| State Abbreviation | SC | StateAbbreviationCd |
| ZIP | 29601 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | Kurt Herwald | PersonNm |
| Person Title | Treasurer | PersonTitleTxt |
| Phone | 8643536136 | PhoneNum |
| Signature | 2026-07-07 | SignatureDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2025 | TaxYr |
| Build TS | 2025-03-06 01:10:19Z | BuildTS |
Form 990-EZ IRS990EZ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Method Of Accounting Cash | Yes (X) | MethodOfAccountingCashInd |
| Website Address | micahprogram.org | WebsiteAddressTxt |
| Organization501c3 | Yes (X) | Organization501c3Ind |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Gross Receipts | $47,548 | GrossReceiptsAmt |
| Contributions Gifts Grants Etc | $46,425 | ContributionsGiftsGrantsEtcAmt |
| Investment Income | $1,123 | InvestmentIncomeAmt |
| Gain Or Loss From Sale Of Assets | $0 | GainOrLossFromSaleOfAssetsAmt |
| Special Events Net Income Loss | $0 | SpecialEventsNetIncomeLossAmt |
| Gross Profit Loss Sls Of Invntry | $0 | GrossProfitLossSlsOfInvntryAmt |
| Total Revenue | $47,548 | TotalRevenueAmt |
| Other Expenses Total | $21,648 | OtherExpensesTotalAmt |
| Total Expenses | $21,648 | TotalExpensesAmt |
| Excess Or Deficit For Year | $25,900 | ExcessOrDeficitForYearAmt |
| Net Assets Or Fund Balances BOY | $7,505 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $33,405 | NetAssetsOrFundBalancesEOYAmt |
Cash Savings And Investments CashSavingsAndInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $91,880 | BOYAmt |
| EOY | $117,759 | EOYAmt |
Form990 Total Assets Form990TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $91,880 | BOYAmt |
| EOY | $117,759 | EOYAmt |
Sum Of Total Liabilities SumOfTotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $27,119 | BOYAmt |
| EOY | $53,785 | EOYAmt |
Net Assets Or Fund Balances NetAssetsOrFundBalancesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $64,761 | BOYAmt |
| EOY | $63,974 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Primary Exempt Purpose | he MICAH Program serves people located in Greenville, SC and its surrounding counties. It helps individuals (called neighbors) in financial distress with financial counseling and/or small, low-cost loans. | PrimaryExemptPurposeTxt |
Program Srvc Accomplishment ProgramSrvcAccomplishmentGrp (3 entries)
| Description Program Srvc AccomDescriptionProgramSrvcAccomTxt | Grants And AllocationsGrantsAndAllocationsAmt | Program Service ExpensesProgramServiceExpensesAmt |
|---|---|---|
| Traditional MICAH financial mentoring and loans to needy borrowers, which are uncollateralized and have Marurities of less than two years. Provided 19 new loans totaling $68,236. Expenses include $832 in write-offs, $150 of loan related expenses | $0 | $7,682 |
| Automotive loans are collateralized by the car title. These loans enable working poor to access jobs unreachable without a car. in 2025 we provided 8 such loans for a total of $37,789. Expenses include $1689 in write-offs. | $0 | $1,689 |
| No other divisions |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Expenses | $9,371 | TotalProgramServiceExpensesAmt |
Officer Director Trustee Empl OfficerDirectorTrusteeEmplGrp (8 entries)
| TitleTitleTxt | Average Hrs Per Wk Devoted To PosAverageHrsPerWkDevotedToPosRt | CompensationCompensationAmt | Employee Benefit ProgramEmployeeBenefitProgramAmt | Expense Account Other AllwncExpenseAccountOtherAllwncAmt |
|---|---|---|---|---|
| Mark O'Rourke | ||||
| Director | 20 | $0 | $0 | $0 |
| David Quast | ||||
| Director | 20 | $0 | $0 | $0 |
| James Stravrakas | ||||
| Chairman | 30 | $0 | $0 | $0 |
| Kurt Herwald | ||||
| Director and Treasurer | 10 | $0 | $0 | $0 |
| Mike Cumby | ||||
| Director | 5 | $0 | $0 | $0 |
| Erena Allen | ||||
| Director | 5 | $0 | $0 | $0 |
| Julia Mullen | ||||
| Director | 5 | $0 | $0 | $0 |
| Michael Gates | ||||
| Director | 3 | $0 | $0 | $0 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Activities Not Previously Rpt | false | ActivitiesNotPreviouslyRptInd |
| Chg Made To Orgnzng Doc Not Rpt | false | ChgMadeToOrgnzngDocNotRptInd |
| Organization Had UBI | false | OrganizationHadUBIInd |
| Subject To Proxy Tax | false | SubjectToProxyTaxInd |
| Organization Dissolved Etc | false | OrganizationDissolvedEtcInd |
| Form1120 Pol Filed | false | Form1120PolFiledInd |
| Made Loans To From Officers | false | MadeLoansToFromOfficersInd |
| Engaged In Excess Benefit Trans | false | EngagedInExcessBenefitTransInd |
| Prohibited Tax Shelter Trans | false | ProhibitedTaxShelterTransInd |
| States Where Copy Of Return Is Fld | SC | StatesWhereCopyOfReturnIsFldCd |
Books In Care Of Detail BooksInCareOfDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | Kurt Herwald | PersonNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 701 East McBee Ave | AddressLine1Txt |
| City | Greenville | CityNm |
| State Abbreviation | SC | StateAbbreviationCd |
| ZIP | 29601 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 8643536136 | PhoneNum |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Foreign Financial Account | false | ForeignFinancialAccountInd |
| Foreign Office | false | ForeignOfficeInd |
| Donor Advised Fnds | false | DonorAdvisedFndsInd |
| Operate Hospital | false | OperateHospitalInd |
| Tanning Services Provided | false | TanningServicesProvidedInd |
| Related Organization Ctrl Ent | false | RelatedOrganizationCtrlEntInd |
| Transaction With Control Ent | false | TransactionWithControlEntInd |
| Political Campaign Acty | false | PoliticalCampaignActyInd |
| Lobbying Activities | false | LobbyingActivitiesInd |
| School Operating | false | SchoolOperatingInd |
| Trnsfr Exmpt Non Chrtbl Rltd Org | false | TrnsfrExmptNonChrtblRltdOrgInd |
| Part VI Of Comp Of Hghst Pd Empl | NONE | PartVIOfCompOfHghstPdEmplTxt |
| Part VI Hghst Pd Cntrct Prof Srvc | NONE | PartVIHghstPdCntrctProfSrvcTxt |
| Filed Schedule A | Yes (true) | FiledScheduleAInd |
Schedule A IRS990ScheduleA
| Field | Value | IRS element (for citing) |
|---|---|---|
| Publicly Supported Org509a2 | Yes (X) | PubliclySupportedOrg509a2Ind |
Gifts Grants Contris Rcvd509 GiftsGrantsContrisRcvd509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus2 Years | $7,505 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $98,584 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $46,425 | CurrentTaxYearAmt |
| Total | $152,514 | TotalAmt |
Total509 Total509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $0 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $0 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $7,505 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $98,584 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $46,425 | CurrentTaxYearAmt |
| Total | $152,514 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support Total509 | $152,514 | PublicSupportTotal509Amt |
Gross Investment Income509 GrossInvestmentIncome509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus1 Year | $93 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $1,123 | CurrentTaxYearAmt |
| Total | $1,216 | TotalAmt |
Investment Income And UBTI InvestmentIncomeAndUBTIGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $0 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $0 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $0 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $93 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $1,123 | CurrentTaxYearAmt |
| Total | $1,216 | TotalAmt |
Total Support Calendar Year TotalSupportCalendarYearGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year Minus4 Years | $0 | CurrentTaxYearMinus4YearsAmt |
| Current Tax Year Minus3 Years | $0 | CurrentTaxYearMinus3YearsAmt |
| Current Tax Year Minus2 Years | $7,505 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $98,677 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $47,548 | CurrentTaxYearAmt |
| Total | $153,730 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support CY509 | 0.9921 | PublicSupportCY509Pct |
| Investment Income CY | 0.0079 | InvestmentIncomeCYPct |
| Investment Income PY | 0.0009 | InvestmentIncomePYPct |
| Thirty Thr Pct Suprt Tests CY509 | Yes (X) | ThirtyThrPctSuprtTestsCY509Ind |
Form990 Schedule A Part VI Form990ScheduleAPartVIGrp (4 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| Part III exempt purpose | Part III. The MICAH Program serves people located in Greenville, SC, and its surrounding counties. It helps individuals (called neighbors) in financial distress through financial counseling and/or small, low-cost loans. MICAH facilitates loans by guaranteeing them with cash collateral, enabling them to be made at well below-market rates. A MICAH loan is intended to provide one-time support to a borrower who suddenly needs to borrow money. MICAH Program loans are provided by Self-Help Credit Union (SHCU) and guaranteed by MICAH. |
| Part III 28, 29 | Part III, Lines 28 and 29. Currently, there are two programs. 1) Traditional loans that could be up to $2,500 and are unsecured. And 2) Auto loans of up $5,000 and have a term corresponding to the need and condition of the care. A lien on the vehicle secures auto loans. All borrowers enroll in active ?nancial counseling with our mentors. |
| Part I 16 | Part 1, Line 16. OTHER EXPENSES: Fundraising Supplies =4238. Bad Debts 2501. Loss on sale of donated securities 1109. Computer Services 6570. Insurance = $7087.84. |
| Part I 16 | Part I, Line 16. Outside Contractor payments of $6570 for website development and Website Hosting are included in the Program Service Expenses |
Schedule B IRS990ScheduleB
Contributor Information ContributorInformationGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Contributor | RESTRICTED | ContributorNum |
Contributor Business Name ContributorBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | RESTRICTED | BusinessNameLine1 |
Contributor US Address ContributorUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | RESTRICTED | AddressLine1 |
| Address Line2 | RESTRICTED | AddressLine2 |
| City | RESTRICTED | City |
| State | RESTRICTED | State |
| ZIP Code | RESTRICTED | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Contributions | RESTRICTED | TotalContributionsAmt |