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Michigan · Nonprofit

NORTHERN SHORES COMMUNITY DEVELOPMENT

NORTHERN SHORES COMMUNITY DEVELOPMENT (Michigan) receives grants from 2 organizations whose IRS filings report $907,204 to it, the largest being NATIVE AMERICAN AGRICULTURE FUND ($907,173). 2 of them have funded it in more than one year.

Revenue FY2025
$276k
Funders on record
2
Grants received
$907k
Net assets
$1.3M
2/2 repeat funderspeak grant-dependency 89%
01What it does

What Northern Shores Community Development does

Mission

To assist primarily american indian communities and other underserved michigan residents with training, business incubation and access to capital.

As stated on its FY2025 Form 990.

Program

  1. Provided loans to target populations in northern michigan. There were 163 loans outstanding as of december 31, 2025.

    $295,926 spentof which $30,813 as grants$65,469 earned by the program
    100% of program spending

The program described on its FY2025 Form 990. Program spending in total: $295,926.

02The organization over time

The organization over time

Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.

100 = 20172017 Revenue 100 ($564k) Expenses 100 ($178k) Net assets 100 ($950k)2018 Revenue 3 ($19k) Expenses 125 ($221k) Net assets 79 ($748k)2019 Revenue 57 ($319k) Expenses 120 ($214k) Net assets 90 ($854k)2020 Revenue 80 ($449k) Expenses 177 ($314k) Net assets 104 ($989k)2021 Revenue 132 ($743k) Expenses 112 ($198k) Net assets 163 ($1.5M)2022 Revenue 22 ($126k) Expenses 175 ($310k) Net assets 144 ($1.4M)2023 Revenue 53 ($299k) Expenses 255 ($452k) Net assets 127 ($1.2M)2024 Revenue 160 ($903k) Expenses 307 ($546k) Net assets 165 ($1.6M)2025 Revenue 49 ($276k) Expenses 281 ($499k) Net assets 142 ($1.3M)
'17'18'19'20'21'22'23'24'25
Revenue (49)Expenses (281)Net assets (142)Peer revenue range

Balance sheet

Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2020 to 2021, from $993k to $1.6M (+56%).

$1.0M
$754k
$859k
$993k
$1.6M
$1.4M
$1.3M
$1.7M
$1.8M
'17'18'19'20'21'22'23'24'25
Total assetsTotal liabilities

How it's funded, over time

Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.

2017
2018
2019
2020
2021
2022
2023
2024
2025
ContributionsProgram revenueInvestmentOther

Government-grant reliance: 2017 93% · 2019 94% · 2020 39% · 2021 61% · 2022 78% · 2024 37%. Grants only. Government contracts and fees sit inside program revenue.

76% of NORTHERN SHORES COMMUNITY DEVELOPMENT’s revenue is contributions — more donation-reliant than the typical peer (62% for the typical peer).

This organization
Typical peer · 12,454 orgs

Surplus & reserves

Operating surplus or deficit each year, and months of liquidity in hand. 4 of the last 9 reported years ran a deficit.

$386k
’17
−$202k
’18
$105k
’19
$136k
’20
$545k
’21
−$185k
’22
−$153k
’23
$357k
’24
−$223k
’25
20
months of
reserve

Leadership and staff

The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.

Chief executive

Shanna Shananaquet

Executive director

Board chair

Robert Ellerman

Chair

As listed on its FY2025 Form 990.

The chief executive listed changed between the FY2020 and FY2021 filings.

'17'18'19'20'21'22'23'24'25
Listed7777779138
Joined·+0+0+0+1+0+3+7+1
No longer listed·00010136
03Who funds it

Who funds it, year by year

2020 → 2023: the base broadened from 1 funder to 2 funders, grant income rose $5 → $268k.

Funder
'20
'21
'22
'23
'24*
total
funders
1
2
1
2
1

1 of 2 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 0% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.

From the IRS filings of NORTHERN SHORES COMMUNITY DEVELOPMENT’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.

How concentrated its funding is

NORTHERN SHORES COMMUNITY DEVELOPMENT leans on a few funders — its largest provides 100% of grant income and the top three 100%; half comes from just 1 funder.

the vertical line marks half of all grant income — 1 funder to its left

100%
largest funder
100%
top three
~1
effective funders

Largest funder’s share by year: 2020 100% · 2021 100% · 2022 100% · 2023 100% — broadly stable.

“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.

Where its funders are

NORTHERN SHORES COMMUNITY DEVELOPMENT draws 100% of its grant income from funders outside Michigan, across 1 state in all.

ND

In-state vs out-of-state, by year

’21
’23
Michigan out of state home

Funder states come from each funder’s own filing. $31 arriving through sponsors registered in 1 state is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.

04Its place in the field

Against its field

NORTHERN SHORES COMMUNITY DEVELOPMENT holds deeper cash reserves than three-quarters of the 7,668 community improvement nonprofits its size.

Operating margin−81% · bottom quartile
Months of reserve19.7mo · top quartile
Revenue growth (annualized)−9% · bottom quartile

this organization peer median middle 50% of peers· 7,668 community improvement nonprofits $100k–$1M, FY2025

Government funding NORTHERN SHORES COMMUNITY DEVELOPMENT receives

Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $1.7M on record.

Federal$1.7M
grants $1.7Mcontracts $0
17
19
20
21
22
24
Top agencies
  • Department of the Treasury$1.7M

Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.

Organizations like NORTHERN SHORES COMMUNITY DEVELOPMENT

Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.

In Michigan

Nationally

05Profile & governance

Read directly from this organization’s own Form 990, as neutral context.

Where the money goes

59% of spending goes to programs.

Program 59%Management 41%Fundraising 0%

Governance

7
board members
100%
independent
✓Conflict-of-interest policy✓Whistleblower policy–Document retention✓Board reviewed the 990–Audited financials

Public support

69%

Share of support from the public (Schedule A) — the basis for its public-charity status.

Footprint & structure

Files a return copy in 1 state

MI

Screen this organization

A dated, signed PDF of the compliance screen for NORTHERN SHORES COMMUNITY DEVELOPMENT: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.

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Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf

Questions and answers

Who funds NORTHERN SHORES COMMUNITY DEVELOPMENT?
NORTHERN SHORES COMMUNITY DEVELOPMENT (Michigan) receives grants from 2 organizations whose IRS filings report $907,204 to it, the largest being NATIVE AMERICAN AGRICULTURE FUND ($907,173). 2 of them have funded it in more than one year.
How many funders does NORTHERN SHORES COMMUNITY DEVELOPMENT have?
IRS filings report 2 organizations giving $907,204 in grants to NORTHERN SHORES COMMUNITY DEVELOPMENT, 2 of which have funded it in more than one year.
Who is the largest funder of NORTHERN SHORES COMMUNITY DEVELOPMENT?
NATIVE AMERICAN AGRICULTURE FUND is the largest funder on record, with $907,173 in grants. The full list of funders is on this page.
How can an organization like NORTHERN SHORES COMMUNITY DEVELOPMENT find more funders?
Start with the funders already giving here, then look at the foundations that back similar organizations in Michigan. The funding by cause and by state pages list the largest funders for a given area and how to approach them.

Play a game about who funds Northern Shores Community Development →

These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 2 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 22, 2026. What this page cannot tell you · view filing