NATIVE360 LOAN FUND INC

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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

2011

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

NATIVE360 LOAN FUND INC, founded in 2011, is a community nonprofit in the Community Improvement sector that reported $2.3M in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.4M, a strong 64% operating margin.

Mission

PROVIDE AFFORDABLE CREDIT, CAPITAL, TECHNICAL ASSISTANCE AND PROGRAMS TO PONCA TRIBAL MEMBERS AND OTHER NATIVE AMERICANS ENCOURAGING THEM TO BECOME STRONG AND SELF SUFFICIENT BUSINESS OWNERS

Program Service Accomplishments

Program 1

Expenses: $738,120 Revenue: $286,471

PROVIDE TRAINING AND TECHNICAL ASSISTANCE TO PONCA TRIBE OF NEBRASKA TRIBAL MEMBERS AND OTHER NATIVE AMERICANS SEEKING TO START, MAINTAIN OR EXPAND SMALL BUSINESSES. THIS SUPPORT WILL COME FROM...

PROVIDE TRAINING AND TECHNICAL ASSISTANCE TO PONCA TRIBE OF NEBRASKA TRIBAL MEMBERS AND OTHER NATIVE AMERICANS SEEKING TO START, MAINTAIN OR EXPAND SMALL BUSINESSES. THIS SUPPORT WILL COME FROM WORKSHOPS, SEMINARS, WEB BASED SERVICES, HELP WRITING A BUSINESS PLAN, CREDIT REPAIR SERVICES, ENTREPRENEURIAL TRAINING, WEB BASED TECHNICAL ASSISTANCE, AND MORE. ACTIVITIES WILL ADDRESS BARRIERS LIMITING SUCCESSFUL DEVELOPMENT OF MICRO BUSINESSES. FIRST PONCA FINANCIAL WILL ALSO MAKE LOANS TO THE SAME PERSONS THAT PARTICIPATE IN ITS TRAINING AND ASSISTANCE PROGRAM.

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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 $1,964,077

Program Service Revenue $286,471

Investment Income $0

Other Revenue $0

TOTAL REVENUE $2,250,548

Expense Breakdown

Grants Paid $0

Salaries & Benefits $398,701

Fundraising Expenses $0

Program Expenses $738,120

Other Expenses $419,765

TOTAL EXPENSES $818,466

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,250,548	$2,068,660	+0.1%
Expenses	$818,466	$838,910	0.0%
Net Income	$1,432,082	$1,229,750	+0.2%

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

$5,600

Total Directors

$204,272

Key Employees

$284,301

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PERCY UPTON	EXECUTIVE DIRECTOR	45.00	Director Key Emp	$197,272	$0	$197,272
NICOLLE UPTON	SENIOR FINANCIAL MANAGER	0.00	Key Emp	$87,029	$0	$87,029
BRUCE LONG	DIRECTOR	5.00	Director	$1,400	$0	$1,400
JENIFER RICHARDSON	SECRETARY	5.00	Officer Director	$1,400	$0	$1,400
SAM NELSON	CHAIRMAN	5.00	Officer Director	$1,400	$0	$1,400
TODD MULLINAR	VICE CHAIR	5.00	Officer Director	$1,400	$0	$1,400
RORY BOWEN	TREASURER	5.00	Officer Director	$1,400	$0	$1,400

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	$2,250,548	$818,466	$10,944,660	$1,432,082
2023	$2,250,548	$818,466	$10,944,660	$1,432,082
2022	$2,068,660	$838,910	$9,822,882	$1,229,750
2022	$2,068,660	$838,910	$9,822,882	$1,229,750
2021	$2,498,904	$762,584	$7,395,095	$1,736,320
2020	$1,789,015	$626,472	$5,445,165	$1,162,543
2019	$1,515,379	$586,554	$4,148,485	$928,825
2019	$1,515,379	$586,554	$4,148,485	$928,825
2018	$771,818	$554,204	$2,575,427	$217,614