CHEHALIS TRIBAL LOAN FUND

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

OAKVILLE, WA

Total Revenue
$437,153
Total Expenses
$430,196
Total Assets
$1,866,946
Net Assets
$996,534
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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
2007
Legal Domicile
WA
Principal Officer
TAMRA DENOVA
Phone
3607091831
Tax Period
2024-01-01 to 2024-12-31

CHEHALIS TRIBAL LOAN FUND, founded in 2007, is a small nonprofit in the Community Improvement sector that reported $437K in total revenue in fiscal year 2024. Revenue decreased 13% compared to the prior year. Net assets of $997K represent 27 months of operating reserves.

Mission

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 (2024)

Revenue Breakdown

Contributions & Grants $235,244
Program Service Revenue $155,127
Investment Income $12
Other Revenue $46,770
TOTAL REVENUE $437,153

Expense Breakdown

Grants Paid $0
Salaries & Benefits $222,210
Fundraising Expenses $0
Program Expenses $393,327
Other Expenses $207,986
TOTAL EXPENSES $430,196

Year-over-Year Comparison

2024 2023 Change
Revenue $437,153 $501,194 -0.1%
Expenses $430,196 $320,783 +0.3%
Net Income $6,957 $180,411 -1.0%
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
5
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
3
$127,500
Total Directors
3
$0
Key Employees
1
$127,500
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
TAMRA DENOVA EXECUTIVE DIRECTOR 40.00
Officer Key Emp
$127,500 $0 $127,500
EDMUND MYER BOARD MEMBER 1.00
Director
$0 $0 $0
TRUDY MARCELLAY VICE CHAIR 2.00
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
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
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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