CHEHALIS TRIBAL LOAN FUND

EIN: 270177378 501(c)(3) Community Improvement

OAKVILLE, WA

Total Revenue
$1,904,432
Total Expenses
$879,155
Total Assets
$3,753,586
Net Assets
$2,021,875
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
2007
Legal Domicile
WA
Principal Officer
TAMRA DENOVA
Phone
3607091831
Tax Period
2025-01-01 to 2025-12-31

CHEHALIS TRIBAL LOAN FUND, founded in 2007, is a community nonprofit in the Community Improvement sector that reported $1.9M in total revenue in fiscal year 2025. Revenue surged 336% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.0M, a strong 54% operating margin.

Mission

To provide business, personal loans and financial literacy to Chehalis Tribe and surrounding community members.

Program Service Accomplishments

Program 1
Expenses: $840,175 Revenue: $1,904,432

To provide business personal loans and financial literacy to Chehalis Tribe and surrounding community members.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $1,700,456
Program Service Revenue $166,298
Investment Income $0
Other Revenue $37,678
TOTAL REVENUE $1,904,432

Expense Breakdown

Grants Paid $0
Salaries & Benefits $447,927
Fundraising Expenses $0
Program Expenses $840,175
Other Expenses $431,228
TOTAL EXPENSES $879,155

Year-over-Year Comparison

2025 2024 Change
Revenue $1,904,432 $437,153 +3.4%
Expenses $879,155 $430,196 +1.0%
Net Income $1,025,277 $6,957 +146.4%
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

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Governance

Voting Members
5
Independent Members
5
Employees
6
Volunteers
5

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
$130,200
Total Directors
2
$0
Key Employees
1
$130,200
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
TAMRA DENOVA EXECUTIVE DIRECTOR 40.00
Officer Key Emp
$130,200 $0 $130,200
EDMUND MYER BOARD MEMBER 1.00
Director
$0 $0 $0
CHRIS PICKERNELL OFFICER 1.00
Director
$0 $0 $0
ALICIA MEDINA SECRETARY 1.00
Officer
$0 $0 $0
KEVIN BRAY BOARD CHAIRMAN 1.00
Officer
$0 $0 $0
TRUDY MARCELLAY VICE CHAIR 2.00
Officer
$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 $1,904,432 $879,155 $3,753,586 $1,025,277
2024 $437,153 $430,196 $1,866,946 $6,957
2023 $501,194 $320,783 $1,396,431 $180,411
2022 $307,275 $208,940 $1,245,901 $98,335
2021 $200,518 $201,992 $1,519,622 $-1,474
2020 $247,460 $250,799 $1,480,875 $-3,339
2019 $260,907 $290,048 $1,130,700 $-29,141
2018 $295,517 $158,383 $930,606 $137,134
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