THE LAKOTA FUND INCORPORATED

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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

1987

Legal Domicile

Principal Officer

TAWNEY BRUNSCH

Phone

6054552500

Tax Period

2025-01-01 to 2025-12-31

THE LAKOTA FUND INCORPORATED, founded in 1987, is a community nonprofit in the Community Improvement sector that reported $8.0M in total revenue in fiscal year 2025. Revenue fell 30% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $3.0M, a strong 37% operating margin.

Mission

PROMOTE ECONOMIC SUSTAINABILITY AND BREAK THE CYCLE OF POVERTY BY PROVIDING NATIVE PEOPLE WITH ACCESS TO THE CAPITAL AND FINANCIAL SERVICES HEALTHY COMMUNITIES NEED TO FLOURISH.

Program Service Accomplishments

Program 1

Expenses: $4,219,994 Revenue: $1,338,257

LAKOTA FUNDS PROVIDES ECONOMIC DEVELOPMENT THROUGH BUSINESS LOANS, TECHNICAL ASSISTANCE, WORKFORCE DEVELOPMENT, AND FINANCIAL EDUCATION ON THE PINE RIDGE AND ROSEBUD RESERVATIONS AND SURROUNDING...

LAKOTA FUNDS PROVIDES ECONOMIC DEVELOPMENT THROUGH BUSINESS LOANS, TECHNICAL ASSISTANCE, WORKFORCE DEVELOPMENT, AND FINANCIAL EDUCATION ON THE PINE RIDGE AND ROSEBUD RESERVATIONS AND SURROUNDING AREA. THEIR LENDING HAS INCREASED SUBSTANTIALLY IN THE LAST 7 YEARS AS EVIDENCED BY A 850% INCREASE IN LOAN PORTFOLIO GROWTH, FROM 2.5M IN 2018 TO 23.8M IN 2025.

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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 (2025)

Revenue Breakdown

Contributions & Grants $6,466,332

Program Service Revenue $1,323,622

Investment Income $124,739

Other Revenue $91,949

TOTAL REVENUE $8,006,642

Expense Breakdown

Grants Paid $1,666,436

Salaries & Benefits $999,874

Fundraising Expenses $45,364

Program Expenses $4,219,994

Other Expenses $2,383,394

TOTAL EXPENSES $5,049,704

Year-over-Year Comparison

	2025	2024	Change
Revenue	$8,006,642	$11,507,561	-0.3%
Expenses	$5,049,704	$6,872,313	-0.3%
Net Income	$2,956,938	$4,635,248	-0.4%

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

$272,440

Total Directors

$23,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TAWNEY BRUNSCH	EXECUTIVE DI	45.00	Officer	$132,024	$14,733	$146,757
ELLEN WHITE THUNDER	DEPUTY DIREC	40.00	Highest	$103,952	$14,457	$118,409
LAVONNE RANDALL	FINANCE DIRE	40.00	Officer	$99,202	$14,181	$113,383
WARREN CROSS	VICE CHAIR	3.00	Officer Director	$4,500	$0	$4,500
MARLA THUNDER BULL	SECRETARY/TR	3.00	Officer Director	$4,100	$0	$4,100
CAROL FERGUSON	DIRECTOR	3.00	Director	$3,900	$0	$3,900
ANGIE EAGLE BULL	BOARD CHAIRM	3.00	Officer Director	$3,700	$0	$3,700
DONALEE FISCHER	DIRECTOR	3.00	Director	$3,600	$0	$3,600
KEVIN YELLOWBIRD STEELE	DIRECTOR	3.00	Director	$2,900	$0	$2,900
RUSSELL COURNOYER	DIRECTOR	3.00	Director	$800	$0	$800

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	$8,006,642	$5,049,704	$31,952,863	$2,956,938
2024	$11,507,561	$6,872,313	$26,760,118	$4,635,248
2023	$6,200,914	$2,950,294	$22,342,828	$3,250,620
2022	$1,806,150	$1,824,701	$17,693,947	$-18,551
2021	$4,059,450	$1,190,765	$17,004,625	$2,868,685
2020	$4,173,691	$1,480,002	$12,818,913	$2,693,689
2019	$1,169,241	$1,307,747	$8,035,187	$-138,506
2018	$3,445,557	$1,344,002	$8,281,447	$2,101,555