Community Development Financial Institution - Tohono O'odham Nation (EIN 200908987) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2004

Legal Domicile

Principal Officer

Stanley Gilmore Ruiz

Phone

5203830790

Tax Period

2024-10-01 to 2025-09-30

Community Development Financial Institution - Tohono O'odham Nation, founded in 2004, is a community nonprofit in the Community Improvement sector that reported $2.6M in total revenue in fiscal year 2024. Revenue surged 142% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.4M, a strong 52% operating margin.

Mission

We assist in overall economic development and support new businesses and help to improve personal financial stability through our premier educational and loan services.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $1,330,500

Program Service Revenue $934,807

Investment Income $318,242

Other Revenue $0

TOTAL REVENUE $2,583,549

Expense Breakdown

Grants Paid $0

Salaries & Benefits $397,129

Fundraising Expenses $0

Program Expenses $885,639

Other Expenses $835,099

TOTAL EXPENSES $1,232,228

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,583,549	$1,068,517	+1.4%
Expenses	$1,232,228	$710,306	+0.7%
Net Income	$1,351,321	$358,211	+2.8%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

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

$193,316

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Stanley Gilmore Ruiz	Chief Executive Officer	40.00	Officer	$85,851	$14,317	$100,168
Frances O Hosten	Chief Operations Officer	40.00	Officer	$79,331	$13,817	$93,148
Kymberlii Tenario Murrietta	Chair	0.10	Officer Director	$0	$0	$0
Andrea Ortiz Ahmed	Vice Chair	0.10	Officer Director	$0	$0	$0

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	$2,583,549	$1,232,228	$24,229,292	$1,351,321
2024	$1,068,517	$710,306	$22,003,773	$358,211
2023	$755,697	$795,992	$21,661,301	$-40,295
2022	$709,556	$781,846	$21,599,261	$-72,290
2021	$728,055	$881,247	$21,686,771	$-153,192
2020	$801,544	$756,964	$21,861,934	$44,580
2019	$861,538	$758,706	$21,828,331	$102,832
2018	$781,163	$722,333	$21,709,793	$58,830

Community Development Financial Institution - Tohono O'odham Nation