MICAH PROGRAM INC: Form 990EZ, tax year 2024
View the entire original 990 at ProPublica ↗
- Organization
- MICAH PROGRAM INC (EIN 85-1875845)
- Tax period
- 2024-01-01 to 2024-12-31
- Filed
- 2025-11-29
- IRS object ID
- 202523349349200702
- Schema version
- 2024v5.1
- 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 | 2025-11-29T15:26:42-05:00 | ReturnTs |
| Tax Period End | 2024-12-31 | TaxPeriodEndDt |
| Return Type | 990EZ | ReturnTypeCd |
| Tax Period Begin | 2024-01-01 | 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 | 2025-11-29 | SignatureDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2024 | TaxYr |
| Build TS | 2025-03-06 01:10:19Z | BuildTS |
Form 990-EZ IRS990EZ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Amended Return | Yes (X) | AmendedReturnInd |
| 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 | $98,947 | GrossReceiptsAmt |
| Info In Schedule O Part I | Yes (X) | InfoInScheduleOPartIInd |
| Contributions Gifts Grants Etc | $98,854 | ContributionsGiftsGrantsEtcAmt |
| Investment Income | $93 | 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 | $98,947 | TotalRevenueAmt |
| Fees And Other Pymt To Ind Cntrct | $3,016 | FeesAndOtherPymtToIndCntrctAmt |
| Printing Publications Postage | $364 | PrintingPublicationsPostageAmt |
| Other Expenses Total | $11,212 | OtherExpensesTotalAmt |
| Total Expenses | $14,592 | TotalExpensesAmt |
| Excess Or Deficit For Year | $84,355 | ExcessOrDeficitForYearAmt |
| Net Assets Or Fund Balances BOY | $7,505 | NetAssetsOrFundBalancesBOYAmt |
| Other Changes In Net Assets | $27,119 | OtherChangesInNetAssetsAmt |
| Net Assets Or Fund Balances EOY | $118,979 | NetAssetsOrFundBalancesEOYAmt |
Cash Savings And Investments CashSavingsAndInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $7,505 | BOYAmt |
| EOY | $91,880 | EOYAmt |
Form990 Total Assets Form990TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $7,505 | BOYAmt |
| EOY | $91,880 | EOYAmt |
Sum Of Total Liabilities SumOfTotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $27,119 | EOYAmt |
Net Assets Or Fund Balances NetAssetsOrFundBalancesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $7,505 | BOYAmt |
| EOY | $64,761 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Primary Exempt Purpose | Facilitates below market loans for the needy. | PrimaryExemptPurposeTxt |
Program Srvc Accomplishment ProgramSrvcAccomplishmentGrp (2 entries)
| Description Program Srvc AccomDescriptionProgramSrvcAccomTxt | Program Service ExpensesProgramServiceExpensesAmt |
|---|---|
| Traditional MICAH ?nancial mentoring and loans to needy borrowers, which are uncollateralized and have maturities of less than two years. Provided ?ve new loans for a total of $4,521. Expenses include $3,848 for write-offs of Bad loans, $100 for payoff bonuses and $277 for administrate items. | $2,513 |
| Automotive loans that are collateralized by car title, primarily for the purpose of enabling working poor to access jobs unreachable without a car. In 2024 we made nine such loans for a total of $31,784. | $5,025 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Expenses | $7,538 | 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 | ||||
| C0Chairman | 20 | $0 | $0 | $0 |
| David Quast | ||||
| CoCHairman of the Board. | 20 | $0 | $0 | $0 |
| James Stravrakas | ||||
| COO | 20 | $0 | $0 | $0 |
| Kurt Herwald | ||||
| Director and Treasurer | 0 | $0 | $0 | $0 |
| Mamie Boyd | ||||
| Director | 5 | $0 | $0 | $0 |
| Johnny Payne | ||||
| Director | 0 | $0 | $0 | $0 |
| Mike Cumby | ||||
| Director | 5 | $0 | $0 | $0 |
| Erena Allen | ||||
| Director | 5 | $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 Minus1 Year | $7,505 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $98,584 | CurrentTaxYearAmt |
| Total | $106,089 | 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 | $0 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $7,505 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $98,584 | CurrentTaxYearAmt |
| Total | $106,089 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Public Support Total509 | $106,089 | PublicSupportTotal509Amt |
Gross Investment Income509 GrossInvestmentIncome509Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Current Tax Year | $93 | CurrentTaxYearAmt |
| Total | $93 | 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 | $0 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $93 | CurrentTaxYearAmt |
| Total | $93 | 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 | $0 | CurrentTaxYearMinus2YearsAmt |
| Current Tax Year Minus1 Year | $7,505 | CurrentTaxYearMinus1YearAmt |
| Current Tax Year | $98,677 | CurrentTaxYearAmt |
| Total | $106,182 | TotalAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| First5 Years509 | Yes (X) | First5Years509Ind |
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 |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (11 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| Part I Line 16 | OTHER EXPENSES: Fundraising Supplies =336 Banking Fees = 155. Website Hosting = 4,520. Insurance = $6,201. - 11212 |
| Part I Line 20 | Amount of guarantees secured by deposits at Self Help Credit Union. These underwrite the loans made to our beneficiaries (referred to as "Neighbors"). - 27119 |
| Reason for Amendment Return | Error on EIN, some detail missing. |
| Part I 20 | Amount of guarantees secured by deposits at Self Help Credit Union. These underwrite the loans made to our beneficiaries (referred to as "Neighbors"). $27,119 |
| Part I 16 | Outside Contractor payments of $3,016 for website development and Website Hosting of $4,520 are included in the Program Service Expenses. |
| Part I D | Employer Identification Number --Corrected EIN from 85-187845 to 85-1875845. |
| Part III 28 | Facilitates loans at below-market interest rates for the needy. 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. 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 III 29 | Traditional MICAH ?nancial mentoring and loans to needy borrowers, which are uncollateralized and have maturities of less than two years. Provided ?ve new loans for a total of $4,521. Expenses include $3,848 for write-offs of Bad loans, $100 for payoff bonuses, and $277 for administrative items. |
| Part III 29a | $2,513 |
| Part III 30 | Automotive loans that are collateralized by a car title, primarily for the purpose of enabling the working poor to access jobs unreachable without a car. In 2024, we made 9 such loans totaling $31,784. |
| Part III 30a | $5,052 |