HAWAIIAN LENDING & INVESTMENTS (EIN 844259100) - 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

2020

Legal Domicile

Principal Officer

ROLINA FAAGAI

Phone

8082086466

Tax Period

2024-01-01 to 2024-12-31

HAWAIIAN LENDING & INVESTMENTS, founded in 2020, is a community nonprofit in the Human Services sector that reported $1.4M in total revenue in fiscal year 2024. Revenue surged 187% from the prior year, signaling strong growth momentum. The organization ran a surplus of $795K, a strong 57% operating margin.

Mission

TO SUPPORT THE CAPITAL NEEDS OF CONSUMERS, BUSINESSES AND HOMESTEAD ASSOCIATIONS ON OR NEAR HAWAIIAN HOME LANDS AS THEY ARE DEFINED UNDER THE HAWAIIAN HOMES COMMISSION ACT OF 1920.

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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 (2024)

Revenue Breakdown

Contributions & Grants $1,296,137

Program Service Revenue $95,343

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,391,480

Expense Breakdown

Grants Paid $106,184

Salaries & Benefits $144,727

Fundraising Expenses $0

Program Expenses $557,608

Other Expenses $345,319

TOTAL EXPENSES $596,230

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,391,480	$485,271	+1.9%
Expenses	$596,230	$356,008	+0.7%
Net Income	$795,250	$129,263	+5.2%

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

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

$65,218

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROLINA FAAGAI	Executive Dir.	40.00	Officer	$58,577	$6,641	$65,218
KARA CHOW	CHAIR	1.00	Director	$0	$0	$0
DONNA STERLING	VICE CHAIR	1.00	Director	$0	$0	$0
CORA SCHNACKENBERG	Secretary	1.00	Director	$0	$0	$0
LAUAE KEKAHUNA	Director	1.00	Director	$0	$0	$0
REYN KAUPIKO	Director	1.00	Director	$0	$0	$0
MYRNA BUCASAS	Director	1.00	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
2024	$1,391,480	$596,230	$3,719,210	$795,250
2023	$485,271	$356,008	$2,138,485	$129,263
2022	$452,321	$370,720	$2,137,521	$81,601
2021	$157,881	$45,846	$1,092,815	$112,035

HAWAIIAN LENDING & INVESTMENTS