LENDINGKIND INC DBA HUMANKIND LENDING (EIN 851599422) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2020

Legal Domicile

Principal Officer

NELSON NAVA

Phone

4343843131

Tax Period

2024-01-01 to 2024-12-31

LENDINGKIND INC, founded in 2020, is a small nonprofit in the Community Improvement sector that reported $371K in total revenue in fiscal year 2021. The organization ran a surplus of $330K, a strong 89% operating margin.

Mission

TO PROVIDE LOW-INCOME INDIVIDUAL'S AND FAMILY'S VEHICLE LOANS TO IMPROVE THEIR FUTURE.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $13,738

Program Service Revenue $96,291

Investment Income $202,200

Other Revenue $1,541

TOTAL REVENUE $313,770

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $547,463

Other Expenses $597,273

TOTAL EXPENSES $597,273

Year-over-Year Comparison

	2024	2023	Change
Revenue	$313,770	$427,449	-0.3%
Expenses	$597,273	$517,398	+0.2%
Net Income	$-283,503	$-89,949	+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

Governance

Voting Members

Independent Members

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM CARTER	BOARD MEMBER	1.00	Director	$0	$0	$0
HANK CREASY	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
BOB DENDY	BOARD MEMBER	1.00	Director	$0	$0	$0
DONISE FARMER	BOARD MEMBER	1.00	Director	$0	$0	$0
ROSS FOLKENROTH	BOARD MEMBER	1.00	Director	$0	$0	$0
SCOTT HORCHLER	BOARD MEMBER	1.00	Director	$0	$0	$0
SEDRICK MCCALLUM	BOARD MEMBER	1.00	Director	$0	$0	$0
SAM HUFFMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
STANFORD SOUTHWORTH	CEO AND BOARD MEMBER	1.00	Director	$0	$0	$0
NELSON NAVA	PRESIDENT	1.00	Officer	$0	$0	$0
LINDA MEADOWS	TREASURER	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
2024	$313,770	$597,273	$2,859,384	$-283,503
2023	$427,449	$517,398	$2,957,757	$-89,949
2022	$330,099	$201,925	$3,033,607	$128,174
2021	$371,176	$41,571	$342,326	$329,605

LENDINGKIND INC DBA HUMANKIND LENDING