Native Finance Development Corporation

EIN: 831499750 501(c)(3) Human Services

Vista, CA

Total Revenue
$347,112
Total Expenses
$405,652
Total Assets
$317,374
Net Assets
$58,103
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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
2018
Legal Domicile
CA
Principal Officer
Cynthia Tam
Phone
6192006277
Tax Period
2025-01-01 to 2025-12-31

Native Finance Development Corporation, founded in 2018, is a small nonprofit in the Human Services sector that reported $347K in total revenue in fiscal year 2025. Revenue fell 37% from the prior year — a significant decline worth monitoring. Expenses of $406K exceeded revenue, resulting in a 17% operating deficit.

Mission

The mission of NFDC is to bring financial equity and promote the financial development of tribal government, tribal entities and institutions, and people living on Indian reservations. We aim to improve the social and economic environments of Indian reservations that lack adequate access to affordable capital and reliable financial education and services. By sourcing from the strengths of Native American values, we pool assets and resources of the tribal communities to address unmet banking needs and create economic opportunities on reservations.

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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 $347,109
Program Service Revenue $0
Investment Income $3
Other Revenue $0
TOTAL REVENUE $347,112

Expense Breakdown

Grants Paid $0
Salaries & Benefits $213,110
Fundraising Expenses $0
Program Expenses $405,652
Other Expenses $192,542
TOTAL EXPENSES $405,652

Year-over-Year Comparison

2025 2024 Change
Revenue $347,112 $552,095 -0.4%
Expenses $405,652 $505,145 -0.2%
Net Income $-58,540 $46,950 -2.2%
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
3
Independent Members
3
Employees
3
Volunteers
5

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
3
$0
Total Directors
1
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Cynthia Tam Project Manager 20.00
$77,582 $5,306 $82,888
Eric Menzel Project Coordinato 10.00
$26,558 $1,293 $27,851
Caroline Colton Community Organize 10.00
$22,218 $1,378 $23,596
Tracy Johnston Financial Coach 8.00
$15,997 $0 $15,997
Cynthia Tam Treasurer 1.00
Director
$0 $0 $0
James M Hill Sr Chairman 1.00
Officer
$0 $0 $0
Teresa Martinez Board Member 1.00
Officer
$0 $0 $0
Rigoberto D Ruiz Secretary 1.00
Officer
$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 $347,112 $405,652 $317,374 $-58,540
2024 $552,095 $505,145 $131,534 $46,950
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