IPAI COMMUNITY LOAN FUND

EIN: 811047132 501(c)(3)

Valley Center, CA

Total Revenue
$24,701
Total Expenses
$2,457
Total Assets
$1,395,698
Net Assets
$1,057,668
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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
CA
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 obtaining CDFI funds.

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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 $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

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Governance

Voting Members
5
Independent Members
5
Employees
N/A
Volunteers
1

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
0
$0
Total Directors
5
$0
Key Employees
0
$0
Highest Compensated
0
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
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