JAMESTOWN SKLALLAM TRIBAL CAPITAL INC (EIN 834524150) - Form 990 Financial Analysis & Trantor Score

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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

2019

Legal Domicile

Principal Officer

Johanna Bartee

Phone

3604606890

Tax Period

2025-01-01 to 2025-12-31

JAMESTOWN SKLALLAM TRIBAL CAPITAL INC, founded in 2019, is a small nonprofit in the Community Improvement sector that reported $650K in total revenue in fiscal year 2025. Revenue surged 430% from the prior year, signaling strong growth momentum. The organization ran a surplus of $196K, a strong 30% operating margin.

Mission

JST Capital operates a revolving loan fund providing access to capital for underserved borrowers. Loan repayments are recycled into new loans to expand impact. During 2025, the organization managed a portfolio of 64 loans totaling approximately $701,000 and program service revenue of $40,912. As a Department of Treasury Certified Native Community Development Financial Institution (CDFI), we originate and service micro loans to consumers and businesses in our rural community that don't qualify for traditional sources of financing, in conjunction with financial education and credit counseling.

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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 $609,387

Program Service Revenue $40,912

Investment Income $0

Other Revenue $0

TOTAL REVENUE $650,299

Expense Breakdown

Grants Paid $0

Salaries & Benefits $259,157

Fundraising Expenses $0

Program Expenses $454,484

Other Expenses $195,327

TOTAL EXPENSES $454,484

Year-over-Year Comparison

	2025	2024	Change
Revenue	$650,299	$122,619	+4.3%
Expenses	$454,484	$206,145	+1.2%
Net Income	$195,815	$-83,526	-3.3%

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

$179,432

Total Directors

Key Employees

$259,157

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Johanna Bartee	Executive Director	40	Officer Key Emp Highest	$121,715	$57,717	$179,432
Krissy Webb	Loan Portfolio Administrative Assistant	40	Key Emp	$54,080	$25,645	$79,725

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	$650,299	$454,484	$1,372,234	$195,815
2024	$122,619	$206,145	$770,653	$-83,526
2023	$170,463	$170,463	$400,651	No data

JAMESTOWN SKLALLAM TRIBAL CAPITAL INC