HAWAII COMMUNITY LENDING (EIN 473100005) - 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

2014

Legal Domicile

Principal Officer

JEFF GILBREATH

Phone

8085877656

Tax Period

2023-10-01 to 2024-09-30

HAWAII COMMUNITY LENDING, founded in 2014, is a mid-sized nonprofit in the Community Improvement sector that reported $21.0M in total revenue in fiscal year 2023. Revenue surged 138% from the prior year, signaling strong growth momentum. The organization ran a surplus of $9.6M, a strong 46% operating margin.

Mission

TO INCREASE ACCESS TO CAPITAL FOR NATIVE HAWAIIANS RESIDING IN HAWAII.

🔒

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 $20,300,118

Program Service Revenue $501,446

Investment Income $150,736

Other Revenue $23,270

TOTAL REVENUE $20,975,570

Expense Breakdown

Grants Paid $6,961,337

Salaries & Benefits $2,243,581

Fundraising Expenses $20,787

Program Expenses $10,326,732

Other Expenses $2,207,463

TOTAL EXPENSES $11,412,381

Year-over-Year Comparison

	2023	2022	Change
Revenue	$20,975,570	$8,801,117	+1.4%
Expenses	$11,412,381	$7,504,301	+0.5%
Net Income	$9,563,189	$1,296,816	+6.4%

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

$112,611

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFF GILBREATH	EXECUTIVE DIRECTOR	40	Officer Highest	$100,961	$6,400	$112,611
KUI MEYER	PRESIDENT	1	Officer Director	$0	$0	$0
NOELLE KAI	VICE PRESIDENT	1	Officer Director	$0	$0	$0
THOMAS ATOU	TREASURER	1	Officer Director	$0	$0	$0
BILLY PIEPER	BOARD MEMBER	1	Director	$0	$0	$0
SUNSHINE TOPPING	BOARD MEMBER	1	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
2024	$20,975,570	$11,412,381	$25,419,183	$9,563,189
2023	$8,801,117	$7,504,301	$8,968,536	$1,296,816
2022	$20,239,640	$20,307,823	$6,756,934	$-68,183
2021	$18,228,333	$17,406,944	$8,660,806	$821,389
2020	$5,505,908	$4,649,819	$2,200,982	$856,089
2019	$221,375	$32,623	$708,101	$188,752

HAWAII COMMUNITY LENDING