HOPI CREDIT ASSOCIATION (EIN 866053269) - 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

1952

Legal Domicile

Principal Officer

ALISSA CHARLEY

Phone

9287382205

Tax Period

2024-01-01 to 2024-12-31

HOPI CREDIT ASSOCIATION, founded in 1952, is a small nonprofit that reported $385K in total revenue in fiscal year 2024. Expenses of $371K left a modest 4% surplus.

Mission

TO CARRY ON THE BUSINESS OF BORROWING MONEY AND RELENDING IT TO MEMBERS OF THE HOPI TRIBE FOR THEIR ECONOMIC DEVELOPMENT.

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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 $243,493

Program Service Revenue $101,521

Investment Income $39,127

Other Revenue $510

TOTAL REVENUE $384,651

Expense Breakdown

Grants Paid $0

Salaries & Benefits $177,757

Fundraising Expenses $0

Program Expenses $137,046

Other Expenses $193,159

TOTAL EXPENSES $370,916

Year-over-Year Comparison

	2024	2023	Change
Revenue	$384,651	$382,832	+0.0%
Expenses	$370,916	$337,493	+0.1%
Net Income	$13,735	$45,339	-0.7%

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

N/A

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

$74,229

Total Directors

$6,177

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALISSA CHARLEY	Executive Dir.	40.00	Officer	$74,229	$0	$74,229
SHAWN NAMOKI SR	Vice President	1.00	Director	$2,018	$0	$2,018
VAUGHN SIEWEUMPTEWA	President	1.00	Director	$1,736	$0	$1,736
MERWIN KOOYAHOEMA	Member	1.00	Director	$960	$0	$960
GLORIA GROVER	Member	1.00	Director	$818	$0	$818
KATRINA SILAS	Treasurer/Sec	1.00	Director	$645	$0	$645

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	$384,651	$370,916	$3,149,861	$13,735
2023	$382,832	$337,493	$3,152,113	$45,339
2022	$601,812	$449,801	$2,929,032	$152,011
2021	$382,272	$361,356	$2,594,030	$20,916
2020	$221,289	$294,428	$2,836,344	$-73,139

HOPI CREDIT ASSOCIATION