NATIVE COMMUNITY CAPITAL (EIN 270735586) - 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

2010

Legal Domicile

Principal Officer

DAVID CASTILLO

Phone

5057926544

Tax Period

2023-01-01 to 2023-12-31

NATIVE COMMUNITY CAPITAL, founded in 2010, is a community nonprofit in the Community Improvement sector that reported $1.6M in total revenue in fiscal year 2023. Expenses of $2.3M exceeded revenue, resulting in a 41% operating deficit.

Mission

NATIVE COMMUNITY CAPITAL'S MISSION IS TO PROVIDE TECHNICAL ASSISTANCE AND FINANCIAL CAPITAL IN THE FORM OF LOANS TO NATIVE AMERICANS FOR THE PURPOSE OF ADVANCING TRIBAL SELF-DETERMINATION BY WORKING AS A LENDER AND AS AN HONEST BROKER FOR UNLOCKING CAPITAL RESOURCES NECESSARY TO BUILD TRIBAL ECONOMIES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $1,337,478

Program Service Revenue $297,303

Investment Income $0

Other Revenue $5,003

TOTAL REVENUE $1,639,784

Expense Breakdown

Grants Paid $170,000

Salaries & Benefits $772,178

Fundraising Expenses $0

Program Expenses $1,718,520

Other Expenses $1,368,587

TOTAL EXPENSES $2,310,765

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,639,784	$1,638,269	+0.0%
Expenses	$2,310,765	$1,589,918	+0.5%
Net Income	$-670,981	$48,351	-14.9%

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

$178,626

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BEN NUVAMSA	CHAIRMAN	7.50	Officer Director	$0	$0	$0
JEFF ATENCIO	VICE-CHAIRMA	7.50	Officer Director	$0	$0	$0
LIZ GAMBOA	SECRETARY	7.50	Officer Director	$0	$0	$0
ARTHUR ALLISON	TREASURER	7.50	Officer Director	$0	$0	$0
RODGER BOYD	DIRECTOR	7.50	Director	$0	$0	$0
CHRIS SMITH	DIRECTOR	7.50	Director	$0	$0	$0
DAVID CASTILLO	CEO	40.00	Officer	$168,750	$9,876	$178,626

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	No data	No data	No data	No data
2023	$1,639,784	$2,310,765	$25,069,515	$-670,981
2022	$1,638,269	$1,589,918	$13,852,338	$48,351
2021	$4,180,014	$1,148,691	$13,958,125	$3,031,323
2018	$2,002,630	$429,974	$6,289,972	$1,572,656

NATIVE COMMUNITY CAPITAL