WISCONSIN NATIVE LOAN FUND INC (EIN 432116172) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2006

Legal Domicile

Principal Officer

CHERYL CLOUD

Phone

7155881600

Tax Period

2023-01-01 to 2023-12-31

WISCONSIN NATIVE LOAN FUND INC, founded in 2006, is a community nonprofit in the Housing & Shelter sector that reported $2.3M in total revenue in fiscal year 2023. The organization ran a surplus of $1.1M, a strong 48% operating margin.

Mission

TO INCREASE THE FINANCIAL WELL-BEING OF WISCONSIN NATIVE AMERICAN FAMILIES AND COMMUNITIES.

🔒

Trantor Score

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%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $1,704,508

Program Service Revenue $604,810

Investment Income $9,787

Other Revenue $4,175

TOTAL REVENUE $2,323,280

Expense Breakdown

Grants Paid $29,000

Salaries & Benefits $648,367

Fundraising Expenses $95,220

Program Expenses $496,002

Other Expenses $524,424

TOTAL EXPENSES $1,201,791

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,323,280	$2,400,832	0.0%
Expenses	$1,201,791	$1,370,917	-0.1%
Net Income	$1,121,489	$1,029,915	+0.1%

Key Indicators

✓ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

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

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

$206,198

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RANDY CADOTTE	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
CASEY FITZPATRICK	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
FERN ORIE	TREASURER	1.00	Officer Director	$0	$0	$0
JEFFERY JOHNSON	SECRETARY (THRU FEB 2023)	1.00	Officer Director	$0	$0	$0
JEFF BOWMAN	SECRETARY (AS OF FEB 2023)	1.00	Director	$0	$0	$0
JEFF ACKLEY JR	DIRECTOR	1.00	Director	$0	$0	$0
SEAN HARTE	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH MONTANO SR	DIRECTOR	1.00	Director	$0	$0	$0
BRITTANY ALLEN	DIRECTOR	1.00	Director	$0	$0	$0
RUSSELL SWAGGER	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL F BERLIN	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL MOE	DIRECTOR	1.00	Director	$0	$0	$0
DAVID GOUWENS	COO	40.00	Officer	$93,686	$18,211	$111,897
CHERYL CLOUD	CEO	40.00	Officer	$91,571	$2,730	$94,301

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	$2,323,280	$1,201,791	$8,016,039	$1,121,489
2022	$2,400,832	$1,370,917	$7,515,814	$1,029,915
2021	$1,436,627	$725,905	$5,661,202	$710,722
2020	$1,147,782	$573,330	$4,634,908	$574,452
2019	$257,318	$509,635	$3,530,733	$-252,317
2018	$622,477	$422,390	$3,108,512	$200,087

WISCONSIN NATIVE LOAN FUND INC