OWEESTA CORPORATION

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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

1999

Legal Domicile

Principal Officer

FLORENCE LUDKA

Phone

3037748838

Tax Period

2024-07-01 to 2025-06-30

OWEESTA CORPORATION, founded in 1999, is a mid-sized nonprofit in the Community Improvement sector that reported $19.1M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $8.0M, a strong 42% operating margin.

Mission

OWEESTA CORPORATION ("OWEESTA") SUPPORTS ECONOMIC GROWTH IN NATIVE AMERICAN COMMUNITIES THROUGH THE CREATION, DEVELOPMENT AND CAPITALIZATION OF COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS.

Program Service Accomplishments

Program 1

Expenses: $7,705,797 Revenue: $574,559

INSITUTIONAL DEVELOPMENT - THE PRIMARY GOAL IS TO HELP CREATE, DEVELOP, EXPAND AND STRENGTHEN NATIVE COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS (CDFIS). ACTIVITIES REFLECT THE PROVISION OF REGIONAL AND LOCAL CDFI WORKSHOPS, PARTICIPATION AND ATTENDANCE AT OTHER INDUSTRY CONFERENCES, PARTICIPATION ON THE CDFI COALITION, AND FOLLOW-UP OUTREACH, TECHNICAL ASSISTANCE AND TRAINING TO TRIBES WHO HAVE EXPRESSED AN INTEREST IN OR ARE IN THE PROCESS OF FORMING A CDFI.

Program 2

Expenses: $1,239,417 Revenue: $1,198,283

LENDING AND OTHER - OWEESTA PROVIDES CAPITALIZATION TO QUALIFYING ORGANIZATIONS, ENABLING THEM TO REINVEST THE CAPITAL BACK INTO THEIR COMMUNITIES AND PROGRAMS AND/OR TO USE AS LEVERAGE TO ATTRACT...

LENDING AND OTHER - OWEESTA PROVIDES CAPITALIZATION TO QUALIFYING ORGANIZATIONS, ENABLING THEM TO REINVEST THE CAPITAL BACK INTO THEIR COMMUNITIES AND PROGRAMS AND/OR TO USE AS LEVERAGE TO ATTRACT OTHER CAPITAL. OWEESTA MAKES LOANS TO VARIOUS TYPES OF NATIVE COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS SUCH AS SMALL BUSINESS LOAN FUNDS AND CREDIT ASSOCIATIONS TO MAKE CONSUMER, BUSINESS AND HOUSING LOANS. OWEESTA ALSO LENDS TO HOUSING LOAN FUNDS FOR CAPITALIZING CONSTRUCTION LOAN FUNDS OR FOR MORTGAGE LENDING.

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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 $17,041,574

Program Service Revenue $1,772,842

Investment Income $252,179

Other Revenue $0

TOTAL REVENUE $19,066,595

Expense Breakdown

Grants Paid $2,140,834

Salaries & Benefits $3,515,441

Fundraising Expenses $438,341

Program Expenses $8,945,214

Other Expenses $5,430,055

TOTAL EXPENSES $11,086,330

Year-over-Year Comparison

	2024	2023	Change
Revenue	$19,066,595	$16,385,342	+0.2%
Expenses	$11,086,330	$12,306,007	-0.1%
Net Income	$7,980,265	$4,079,335	+1.0%

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

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

$535,343

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRYSTEL CORNELIUS	CEO	40.00	Officer	$255,487	$17,468	$272,955
FLORENCE LUDKA	CFO	40.00	Officer	$243,337	$19,051	$262,388
HEATHER TAYLOR	COO	40.00	Highest	$186,249	$17,450	$203,699
JAMIE OLSON	DIRECTOR OF	40.00	Highest	$126,614	$15,747	$142,361
DEBBIE POWERS	ACCOUNTANT	40.00	Highest	$120,784	$3,956	$124,740
ALEXANDRA SHAUGHNESSY	DIR INVESTME	40.00	Highest	$104,306	$15,101	$119,407
ROBIN DANNER	CHAIR	2.00	Officer Director	$0	$0	$0
DEREK VALDO	VICE CHAIR	2.00	Officer Director	$0	$0	$0
SUSAN HAMMOND	SECRETARY/TR	2.00	Officer Director	$0	$0	$0
JEFF BOWMAN	DIRECTOR	2.00	Director	$0	$0	$0
FRAN LUTZ	DIRECTOR	2.00	Director	$0	$0	$0
RODGER BOYD	DIRECTOR	2.00	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
2025	$19,066,595	$11,086,330	$117,750,208	$7,980,265
2024	$16,385,342	$12,306,007	$98,925,404	$4,079,335
2023	$11,519,423	$7,536,427	$81,341,285	$3,982,996
2022	$8,550,611	$6,993,861	$63,460,575	$1,556,750
2021	$12,724,322	$4,255,242	$46,680,794	$8,469,080
2020	$4,121,071	$2,953,462	$29,491,834	$1,167,609
2019	$8,309,019	$4,629,149	$24,355,611	$3,679,870
2018	$2,551,913	$1,809,445	$11,452,701	$742,468