Oikocredit Northwest USA

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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

2008

Legal Domicile

Principal Officer

Matt Eldridge

Phone

2063312868

Tax Period

2023-01-01 to 2023-12-31

Oikocredit Northwest USA, founded in 2008, is a micro nonprofit that reported $41K in total revenue in fiscal year 2023. Revenue fell 66% from the prior year — a significant decline worth monitoring. Expenses of $58K exceeded revenue, resulting in a 40% operating deficit.

Mission

To educate the public about international development and microfinance to help relieve poverty.

Program Service Accomplishments

Program 1

Expenses: $47,915

Outreach and education to the public about microfinance.

Program 2

Expenses: $3,606

Fundraising to support Oikocredit International's work to relieve poverty.

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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 $37,542

Program Service Revenue $0

Investment Income $3,870

Other Revenue $0

TOTAL REVENUE $41,412

Expense Breakdown

Grants Paid $0

Salaries & Benefits $47,428

Fundraising Expenses $127

Program Expenses $51,521

Other Expenses $10,448

TOTAL EXPENSES $57,876

Year-over-Year Comparison

	2023	2022	Change
Revenue	$41,412	$121,455	-0.7%
Expenses	$57,876	$115,192	-0.5%
Net Income	$-16,464	$6,263	-3.6%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Antoinette Kenmuir-Evans	President	2.00	Officer Director	$0	$0	$0
Kurt Davis	Vice President	2.00	Officer Director	$0	$0	$0
Charlotte Lott	Treasurer	2.00	Officer Director	$0	$0	$0
Heather O'Neil	Board Member	2.00	Director	$0	$0	$0
Sudha Gollapudi	Board Member	2.00	Director	$0	$0	$0
David Diggs	Secretary	2.00	Officer Director	$0	$0	$0
Martin Nielsen	Board Member	2.00	Director	$0	$0	$0
Janet Sawaya	Board Member	2.00	Director	$0	$0	$0
Mohammed Shomrat	Board Member	2.00	Director	$0	$0	$0
Richard Woodhull	Board Member	2.00	Director	$0	$0	$0

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
2023	$41,412	$57,876	No data	$-16,464
2022	$121,455	$115,192	$425,112	$6,263
2021	$96,988	$228,243	$412,432	$-131,255
2020	$22,456	$104,715	$544,408	$-82,259
2019	$22,041	$75,738	$618,982	$-53,697
2018	$16,383	$50,945	$671,174	$-34,562