FIRST NATIONS COMMUNITY FINANCIAL (EIN 453971533) - 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

2011

Legal Domicile

Principal Officer

BECKY ALBERT-BREED

Phone

7152842470

Tax Period

2024-07-01 to 2025-06-30

FIRST NATIONS COMMUNITY FINANCIAL, founded in 2011, is a community nonprofit in the Community Improvement sector that reported $2.4M in total revenue in fiscal year 2024. Revenue surged 109% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.3M, a strong 55% operating margin.

Mission

OUR MISSION IS TO DELIVER EXEMPLARY SERVICES BY PROVIDING FINANCIAL EDUCATION, TRAINING, AND ACCESS TO CAPITAL TO SUPPORT SUSTAINABLE BUSINESS AND COMMUNITY DEVELOPMENT WHILE IMPROVING THE QUALITY OF LIFE WITHIN OUR COMMUNITIES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $2,166,978

Program Service Revenue $209,413

Investment Income $0

Other Revenue $0

TOTAL REVENUE $2,376,391

Expense Breakdown

Grants Paid $0

Salaries & Benefits $473,217

Fundraising Expenses $0

Program Expenses $714,857

Other Expenses $607,375

TOTAL EXPENSES $1,080,592

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,376,391	$1,139,753	+1.1%
Expenses	$1,080,592	$1,080,882	0.0%
Net Income	$1,295,799	$58,871	+21.0%

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

$131,237

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RYAN PULMACHER	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
FERN ORIE	VICE-CHAIRPE	1.00	Director	$0	$0	$0
HINU SMITH	SECRETARY	1.00	Officer Director	$0	$0	$0
KEITH DOXTATOR	TREASURER	1.00	Director	$0	$0	$0
ISIAH NESS	DIRECTOR	1.00	Director	$0	$0	$0
KATE FINN	DIRECTOR	1.00	Director	$0	$0	$0
BECKY ALBERT-BREED	EXECUTIVE DI	40.00	Officer	$131,237	$0	$131,237

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
2025	$2,376,391	$1,080,592	$4,228,943	$1,295,799
2024	$1,139,753	$1,080,882	$3,100,258	$58,871
2023	$775,165	$1,474,231	$3,053,818	$-699,066
2022	$832,704	$671,820	$3,336,971	$160,884
2021	$836,560	$762,079	$3,273,383	$74,481
2020	$550,603	$522,886	$3,000,676	$27,717
2019	$701,273	$440,612	$2,910,864	$260,661
2018	$384,044	$305,160	$1,684,847	$78,884

FIRST NATIONS COMMUNITY FINANCIAL