NATIVE CDFI NETWORK INC (EIN 473526004) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2014

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

NATIVE CDFI NETWORK INC, founded in 2014, is a small nonprofit in the Community Improvement sector that reported $521K in total revenue in fiscal year 2018. Revenue surged 74% from the prior year, signaling strong growth momentum. The organization ran a surplus of $103K, a strong 20% operating margin.

Mission

OUR MISSION IS TO BE A NATIONAL VOICE AND ADVOCATE THAT STRENGTHENS AND PROMOTES NATIVE COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS (CDFIS), CREATING ACCESS TO CAPITAL AND RESOURCES FOR NATIVE PEOPLES.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $1,691,067

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,691,067

Expense Breakdown

Grants Paid $0

Salaries & Benefits $209,355

Fundraising Expenses $0

Program Expenses $1,201,029

Other Expenses $991,901

TOTAL EXPENSES $1,201,256

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,691,067	$1,244,701	+0.4%
Expenses	$1,201,256	$992,244	+0.2%
Net Income	$489,811	$252,457	+0.9%

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

$165,000

Total Directors

$165,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PETE UPTON	CHAIRPERSONCONTRACTED CEO	27.00	Officer Director	$165,000	$0	$165,000
CORA MAE HASKELL	DIRECTOR	1.00	Director	$0	$0	$0
ROLINA FAAGAI	DIRECTOR	1.00	Director	$0	$0	$0
RUSS SEAGLE	DIRECTOR	1.00	Director	$0	$0	$0
ROLLIN WOOD	DIRECTOR	1.00	Director	$0	$0	$0
DAVE TOVEY	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
FERN ORIE	VICE CHAIRPERSON	1.00	Officer Director	$0	$0	$0
CINDY LOGSDON	TREASURER	1.00	Officer Director	$0	$0	$0
CINDY MITTLESTADT	SECRETARY	1.00	Officer 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	No data	No data	No data	No data
2023	$1,691,067	$1,201,256	$2,391,608	$489,811
2022	$1,244,701	$992,244	$1,851,816	$252,457
2021	$1,131,341	$485,781	$1,603,366	$645,560
2020	$784,322	$318,896	$949,209	$465,426
2019	$450,092	$270,942	$479,648	$179,150
2018	$520,596	$417,521	$336,139	$103,075

NATIVE CDFI NETWORK INC