Westwater Financial Inc

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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

2013

Legal Domicile

Phone

7074193070

Tax Period

2025-01-01 to 2025-12-31

Westwater Financial Inc, founded in 2013, is a micro nonprofit in the Community Improvement sector that reported $93K in total revenue in fiscal year 2025. Revenue fell 49% from the prior year — a significant decline worth monitoring. Expenses of $209K exceeded revenue, resulting in a 124% operating deficit.

Mission

Native Community Development Financial Institution. To foster, facilitate and promote community and economic development among Dry Creek Tribal members, thier families and other Native

Program Service Accomplishments

Program 1

Expenses: $102,110 Revenue: $83,279

Provided development services and technical training to underserved Native American community. Services include:Credit Consulting,Budgeting classes and Financial Skills for Families, first time...

Provided development services and technical training to underserved Native American community. Services include:Credit Consulting,Budgeting classes and Financial Skills for Families, first time homebuyer training, renting readiness, small business devlopment and life skills. Acess to capital;consumer loans. Credit counsel/budgeting: 12 served Financial skill for families: 0 served First time homebuyer: 1 served Consumer loans: 6 served

Program 2

Expenses: $52,059 Revenue: $0

Provided underwriting and lending capital to our Native American community for access to capital. Consumer loans: 6 served

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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 $10,000

Program Service Revenue $83,212

Investment Income $67

Other Revenue $0

TOTAL REVENUE $93,279

Expense Breakdown

Grants Paid $0

Salaries & Benefits $113,785

Fundraising Expenses $2,290

Program Expenses $154,169

Other Expenses $94,732

TOTAL EXPENSES $208,517

Year-over-Year Comparison

	2025	2024	Change
Revenue	$93,279	$183,506	-0.5%
Expenses	$208,517	$311,510	-0.3%
Net Income	$-115,238	$-128,004	-0.1%

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

$55,472

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Alicia Burns	Executive Director	20.00	Officer	$55,472	$0	$55,472
David Chavez	Director	0.50	Director	$0	$0	$0
Cindi Brown	Secretary	0.50	Director	$0	$0	$0
George Rojes	President	0.50	Director	$0	$0	$0
Stacie Racho	Director	0.50	Director	$0	$0	$0
Blair Moreno	Treasurer	0.50	Director	$0	$0	$0
Dora Azevedo	Director	0.50	Director	$0	$0	$0
Jose Beltran	Director	0.50	Director	$0	$0	$0
Stephen Silva	Vice President	0.50	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	$93,279	$208,517	$1,878,916	$-115,238
2024	$183,506	$311,510	$1,899,528	$-128,004
2023	$250,030	$326,152	No data	$-76,122
2022	$467,743	$299,746	No data	$167,997
2021	$232,885	$228,291	No data	$4,594
2020	$255,114	$217,911	No data	$37,203
2019	$196,842	$191,259	No data	$5,583
2018	$179,144	$191,742	$496,636	$-12,598