NATIVE OPPORTUNITY WAY CDC INC (EIN 562168658) - 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

1997

Legal Domicile

Principal Officer

BARRY RICHARDSON

Phone

2525867913

Tax Period

2025-01-01 to 2025-12-31

NATIVE OPPORTUNITY WAY CDC INC, founded in 1997, is a micro nonprofit in the Housing & Shelter sector that reported $35K in total revenue in fiscal year 2025. Revenue fell 87% from the prior year — a significant decline worth monitoring. Expenses of $42K exceeded revenue, resulting in a 20% operating deficit.

Mission

TO PROMOTE THE SOCIAL AND ECONOMIC SELF-SUFFICIENCY OF ITS SERVICE AREA THROUGH HOUSING, JOB CREATION, TRAINING, EDUCATION, SOCIAL SERVICES, LOAN PROGRAMS, HEALTH PROJECTS, BUSINESS DEVELOPMENT AND ADVOCACY.

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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 $5,556

Program Service Revenue $29,505

Investment Income $0

Other Revenue $11

TOTAL REVENUE $35,072

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $37,029

Other Expenses $42,250

TOTAL EXPENSES $42,250

Year-over-Year Comparison

	2025	2024	Change
Revenue	$35,072	$264,195	-0.9%
Expenses	$42,250	$47,542	-0.1%
Net Income	$-7,178	$216,653	-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

N/A

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

$11,355

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARY BARNES	BOARD CHAIR	N/A	Officer Director	$0	$0	$0
AVA RICHARDSON	SECRETARY	N/A	Officer Director	$0	$0	$0
BOBBY RICHARDSON	DIRECTOR	N/A	Director	$0	$0	$0
MIKE RICHARDSON	DIRECTOR	N/A	Director	$0	$0	$0
JASMINE SILVER-WILSON	DIRECTOR	N/A	Director	$0	$0	$0
AMELIA K OXENDINE	DIRECTOR	N/A	Director	$0	$0	$0
BARRY RICHARDSON	PRESIDENT /	10.00	Officer	$11,355	$0	$11,355

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	$35,072	$42,250	$512,670	$-7,178
2024	No data	No data	No data	No data

NATIVE OPPORTUNITY WAY CDC INC