HIGH PLAINS FINANCIAL INC

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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

2003

Legal Domicile

Principal Officer

BRETT DONEY

Phone

4067502119

Tax Period

2024-07-01 to 2025-06-30

HIGH PLAINS FINANCIAL INC, founded in 2003, is a micro nonprofit in the Community Improvement sector that reported $53K in total revenue in fiscal year 2024. The organization ran a surplus of $12K, a strong 23% operating margin.

Mission

THE MISSION IS TO IMPROVE ACCESS TO CAPITAL TO NEW AND EXPANDING BUSINESSES AND ENTREPRENEURS ACROSS MONTANA BY PROVIDING EXCEPTIONAL SBA 504 LOAN SERVICES.

Program Service Accomplishments

Program 1

Expenses: $40,295 Revenue: $52,554

HIGH PLAINS FINANCIAL, INC HAS BEEN DESIGNATED A CERTIFIED DEVELOPMENT COMPANY ("CDC") BY THE US SMALL BUSINESS ADMINISTRATION. AS A CDC, HIGH PLAINS ASSISTS PROSPECTIVE BORROWERS IN ARRANGING SBA...

HIGH PLAINS FINANCIAL, INC HAS BEEN DESIGNATED A CERTIFIED DEVELOPMENT COMPANY ("CDC") BY THE US SMALL BUSINESS ADMINISTRATION. AS A CDC, HIGH PLAINS ASSISTS PROSPECTIVE BORROWERS IN ARRANGING SBA 504 FINANCING THAT WILL FOSTER ECONOMIC DEVELOPMENT, CREATE OR PRESERVE JOBS AND STIMULATE GROWTH OR MODERNIZATION OF SMALL BUSINESS.

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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 $0

Program Service Revenue $52,554

Investment Income $0

Other Revenue $0

TOTAL REVENUE $52,554

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $40,295

Other Expenses $40,295

TOTAL EXPENSES $40,295

Year-over-Year Comparison

	2024	2023	Change
Revenue	$52,554	$52,083	+0.0%
Expenses	$40,295	$42,633	-0.1%
Net Income	$12,259	$9,450	+0.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN REARDEN	CHAIR	1.50	Officer Director	$0	$0	$0
CRAIG NOWAK	VICE CHAIR	1.50	Officer Director	$0	$0	$0
NATE WEISENBURGER	TREASURER	1.50	Officer Director	$0	$0	$0
DAVE FINK	SECRETARY	1.50	Officer Director	$0	$0	$0
SHERRIE AREY	DIRECTOR	1.50	Director	$0	$0	$0
SHANNON HOILAND	DIRECTOR	1.50	Director	$0	$0	$0
KAREN HUGG	DIRECTOR	1.50	Director	$0	$0	$0
RON NELSON	DIRECTOR	1.50	Director	$0	$0	$0
NATHAN REIFF	DIRECTOR	1.50	Director	$0	$0	$0
BRETT DONEY	CEO/PRESIDENT	10.00	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	$52,554	$40,295	$96,780	$12,259
2024	$52,083	$42,633	$76,659	$9,450
2023	$44,007	$42,044	$66,848	$1,963
2022	$47,450	$47,194	$66,826	$256
2021	$62,381	$41,837	$60,685	$20,544
2020	$75,076	$72,889	$51,276	$2,187
2019	$85,404	$84,781	$45,835	$623