BELLINGHAM, WA
4 risk indicators measuring financial stability and operational resilience
Sign in with your work email to view Tuckman-Chang indicators
Sign In — Free (10 views/day)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.
TO PROVIDE ACCESS TO EDUCATION, FINANCING, AND ASSET GROWTH IN ORDER TO IMPROVE THE PROSPERITY AND WELL BEING OF FAMILIES, THROUGH TECHNICAL ASSISTANCE AND DEVELOPMENT SERVICES OF FINANCIAL LITERACY, BUDGETING, AND BUSINESS PLAN COUNSELING. THE ORGANIZATION SEEKS TO SERVE AS THE BRIDGE TO MAINSTREAM FINANCING INTITUTIONS. LENDING PRODUCTS INCLUDE COLLATERALIZED LOANS FOR MICROENTERPRISES AND SMALL BUSINESSES FOR PURPOSES OF WORKING CAPITAL AND FIXED ASSETS. THE ORGANIZATION MAKES LOANS TO MEMBERS OF THE LUMMI NATION, RESIDENTS OF THE LUMMI RESERVATION, AND OTHER NATIVE AMERICANS OR PRIVATE INDIVIDUALS AND ENTITIES WHOSE ACTIVITIES WILL ACCRUE SOCIAL OR ECONOMIC BENEFIT TO THE LUMMI NATION OR RESIDENTS OF THE LUMMI RESERVATION.
PROVIDED SMALL BUSINESS LOANS TO ALLOW COMMUNITY GROWTH, DEVELOPMENT, AND EDUCATION TO OCCUR WHILE KEEPING FUNDS IN THE COMMUNITY FOR THE BENEFIT OF THE LUMMI TRIBE AND SURROUNDING AREA.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
Sign in to view Trantor Score and financial metrics
Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 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% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
Sign in to view all financial metrics
Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| 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 |
| 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 |
Compare PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION with other nonprofits in Washington and across the country.