IPAI COMMUNITY LOAN FUND

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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

2015

Legal Domicile

Principal Officer

Bernie Baskin

Phone

7607493200

Tax Period

2025-01-01 to 2025-12-31

IPAI COMMUNITY LOAN FUND, founded in 2015, is a micro nonprofit that reported $25K in total revenue in fiscal year 2025. The organization ran a surplus of $22K, a strong 90% operating margin.

Mission

Provide financial lending to the tribal community by providing CDFI Funds.

Program Service Accomplishments

Program 1

Expenses: $2,457 Revenue: $24,701

The fund makes loans to tribal and community members who are deemed ineligible for loans through traditional lenders. A secondary objective is to strengthen the borrower's credit score and making...

The fund makes loans to tribal and community members who are deemed ineligible for loans through traditional lenders. A secondary objective is to strengthen the borrower's credit score and making credit available on favorable terms.

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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 $0

Program Service Revenue $24,701

Investment Income $0

Other Revenue $0

TOTAL REVENUE $24,701

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,457

Other Expenses $2,457

TOTAL EXPENSES $2,457

Year-over-Year Comparison

	2025	2024	Change
Revenue	$24,701	$24,332	+0.0%
Expenses	$2,457	$5,977	-0.6%
Net Income	$22,244	$18,355	+0.2%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Joe Navarro	Chairman	0.25	Director	$0	$0	$0
Lydia Escalante	Vice Chair	20	Director	$0	$0	$0
Joyce Stein	Treasurer	0.25	Director	$0	$0	$0
Bernie Baskin	Board Member	0.25	Director	$0	$0	$0
Claudina Masura	Secretary	0.25	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	$24,701	$2,457	$1,395,698	$22,244
2024	No data	No data	No data	No data
2023	$20,687	$3,306	$1,112,187	$17,381
2022	$1,003,926	$2,295	$1,013,474	$1,001,631