PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION (EIN 371525217) - 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

2006

Legal Domicile

Principal Officer

REX RHOADES

Phone

3605946004

Tax Period

2023-01-01 to 2023-12-31

PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION, founded in 2006, is a small nonprofit in the Community Improvement sector that reported $992K in total revenue in fiscal year 2023. Revenue fell 39% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $224K, a strong 23% operating margin.

Mission

TO PROVIDE ACCESS TO EDUCATION IN ORDER TO IMPROVE THE PROSPERITY AND WELL-BEING OF FAMILIES.

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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 $798,405

Program Service Revenue $191,554

Investment Income $1,956

Other Revenue $0

TOTAL REVENUE $991,915

Expense Breakdown

Grants Paid $0

Salaries & Benefits $396,730

Fundraising Expenses $0

Program Expenses $631,510

Other Expenses $371,080

TOTAL EXPENSES $767,810

Year-over-Year Comparison

	2023	2022	Change
Revenue	$991,915	$1,616,846	-0.4%
Expenses	$767,810	$693,261	+0.1%
Net Income	$224,105	$923,585	-0.8%

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

$135,799

Total Directors

$5,750

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REX RHOADES	BOARD CHAIRMAN	5.00	Officer Director	$1,250	$0	$1,250
CINDY CULTEE	VICE-CHAIR	2.00	Officer Director	$1,250	$0	$1,250
JOSEPH BOWEN	SECRETARY	2.00	Officer Director	$1,250	$0	$1,250
DEBRA LEKANOFF	BOARD MEMBER	1.00	Director	$1,000	$0	$1,000
FRED ENINGOWUK	BOARD MEMBER	1.00	Director	$1,000	$0	$1,000
JOHN MICHENER	BOARD MEMBER	1.00	Director	$0	$0	$0
NANCY JORDAN	INTERIM EXECUTIVE DIRECTOR	50.00	Officer	$104,811	$27,238	$132,049

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	$991,915	$767,810	$4,699,953	$224,105
2022	$1,616,846	$693,261	$4,447,190	$923,585
2021	$944,031	$681,526	$3,348,684	$262,505
2020	$1,177,199	$535,611	$2,595,177	$641,588
2019	$1,112,770	$507,198	$1,963,931	$605,572
2018	$156,179	$431,005	$1,286,962	$-274,826

PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION