NACDC Financial Services Inc (EIN 273156259) - 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

Andrea Main

Phone

4063382099

Tax Period

2024-01-01 to 2024-12-31

NACDC Financial Services Inc, founded in 2010, is a community nonprofit in the Community Improvement sector that reported $7.1M in total revenue in fiscal year 2024. Revenue surged 80% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.4M, a strong 48% operating margin.

Mission

Provide alternative financing opportunity for Native American entrepreneurs and small businesses in communities in and near Indian Reservations.

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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 $6,234,958

Program Service Revenue $802,243

Investment Income $60,107

Other Revenue $9,174

TOTAL REVENUE $7,106,482

Expense Breakdown

Grants Paid $1,545,973

Salaries & Benefits $1,096,012

Fundraising Expenses $64,254

Program Expenses $3,093,353

Other Expenses $1,063,292

TOTAL EXPENSES $3,705,277

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,106,482	$3,947,819	+0.8%
Expenses	$3,705,277	$2,557,202	+0.4%
Net Income	$3,401,205	$1,390,617	+1.4%

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

Governance

Voting Members

Independent Members

Employees

Volunteers

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

$193,116

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jay Marcus	Member	2.00	Director	$0	$0	$0
Luke Robinson	Member	2.00	Director	$0	$0	$0
Maria Valandra	Member	2.00	Director	$0	$0	$0
Melanie Wall	Chair	2.00	Officer Director	$0	$0	$0
Erik Nelson	Vice Chair	2.00	Officer Director	$0	$0	$0
Roberta Harris	Secretary/Treasurer	2.00	Officer Director	$0	$0	$0
Andrea Main	Executive Director	40.00	Officer	$193,116	$0	$193,116

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	$7,106,482	$3,705,277	$21,182,559	$3,401,205
2023	$3,947,819	$2,505,758	$14,354,447	$1,442,061
2022	$2,671,836	$1,626,283	$10,865,137	$1,045,553
2021	$4,375,073	$1,332,943	$10,612,328	$3,042,130
2020	$2,357,326	$1,080,112	$6,225,327	$1,277,214
2019	$1,429,570	$891,860	$4,616,439	$537,710
2018	$1,568,460	$787,153	$3,491,606	$781,307

NACDC Financial Services Inc