TIWA LENDING SERVICES INC

EIN: 800742774 501(c)(3) Community Improvement

ISLETA, NM

Total Revenue
$1,421,925
Total Expenses
$731,129
Total Assets
$14,141,897
Net Assets
$11,417,836
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
2011
Legal Domicile
NM
Principal Officer
SHEILA HERRERA
Phone
5059160556
Tax Period
2025-01-01 to 2025-12-31

TIWA LENDING SERVICES INC, founded in 2011, is a community nonprofit in the Community Improvement sector that reported $1.4M in total revenue in fiscal year 2025. Revenue fell 31% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $691K, a strong 49% operating margin.

Mission

TO PROVIDE EDUCATION, TRAINING, AND DIRECT LENDING OF MONEY TO SUPPORT DEVELOPMENT OR REHABILITATION EFFORTS TO IMPROVE THE SOCIAL OR ECONOMIC CONDITIONS OF THE RESIDENTS OF THE PUEBLO OF ISLETA COMMUNITY AND THE INDIAN PEOPLE RESIDING WITHIN THE SURROUNDING COMMUNITIES OF THE PUEBLO OF ISLETA.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $757,466
Program Service Revenue $655,639
Investment Income $0
Other Revenue $8,820
TOTAL REVENUE $1,421,925

Expense Breakdown

Grants Paid $86,900
Salaries & Benefits $218,695
Fundraising Expenses $25,234
Program Expenses $353,903
Other Expenses $425,534
TOTAL EXPENSES $731,129

Year-over-Year Comparison

2025 2024 Change
Revenue $1,421,925 $2,062,422 -0.3%
Expenses $731,129 $499,645 +0.5%
Net Income $690,796 $1,562,777 -0.6%
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

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Liquidity & Cash Position

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Governance

Voting Members
5
Independent Members
5
Employees
4
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
4
$113,109
Total Directors
5
$17,660
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
ANNETTE BACA CHAVEZ PRESIDENT 2.00
Officer Director
$6,150 $0 $6,150
RAMONA E CHEWIWI VICE PRESIDE 2.00
Officer Director
$4,460 $0 $4,460
CHARLES PEONE JR TREASURER 2.00
Officer Director
$4,050 $0 $4,050
RUSSELL PEDRO MEMBER 2.00
Director
$1,800 $0 $1,800
STEPHINE POSTON MEMBER 2.00
Director
$1,200 $0 $1,200
SHEILA HERRERA EXECUTIVE DI 40.00
Officer
$98,449 $0 $98,449
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 $1,421,925 $731,129 $14,141,897 $690,796
2024 $2,062,422 $499,645 $13,357,938 $1,562,777
2023 $846,139 $439,682 $12,448,088 $406,457
2022 $684,546 $395,294 $11,709,205 $289,252
2021 $986,567 $314,272 $11,939,139 $672,295
2020 $444,184 $266,586 $10,029,627 $177,598
2019 $844,506 $326,064 $9,475,219 $518,442
2018 $712,672 $296,227 $9,225,013 $416,445
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