EVERGREEN BUSINESS CAPITAL (EIN 911118298) - 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

1980

Legal Domicile

Principal Officer

PATRICIA KIBBE

Phone

2066223731

Tax Period

2024-10-01 to 2025-09-30

EVERGREEN BUSINESS CAPITAL, founded in 1980, is a community nonprofit that reported $6.0M in total revenue in fiscal year 2024.

Mission

ACCREDITED AS A CERTIFIED DEVELOPMENT COMPANY BY SBA, WE OFFER BUSINESS CAPITAL SERVICES THAT ENHANCE SMALL BUSINESS GROWTH IN WA, OR, AK, AND ID.

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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 $5,906,017

Investment Income $69,331

Other Revenue $0

TOTAL REVENUE $5,975,348

Expense Breakdown

Grants Paid $7,800

Salaries & Benefits $4,088,993

Fundraising Expenses $70,894

Program Expenses $3,828,547

Other Expenses $1,807,018

TOTAL EXPENSES $5,903,811

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,975,348	$5,856,012	+0.0%
Expenses	$5,903,811	$5,722,471	+0.0%
Net Income	$71,537	$133,541	-0.5%

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

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

$887,272

Total Directors

$364,930

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICIA KIBBE	PRESIDENT/CEO	20.00	Officer Director	$293,738	$28,592	$322,330
KEN TAKAHASHI	CHAIR	3.00	Officer Director	$4,200	$0	$4,200
THOMAS KULJAM	SECRETARY	3.00	Officer Director	$7,800	$0	$7,800
KAREN MCIVER	TREASURER	3.00	Officer Director	$7,800	$0	$7,800
STACY TOMURO	VICE CHAIR	2.00	Officer Director	$7,800	$0	$7,800
RASHAD MORRIS	MEMBER	3.00	Director	$6,600	$0	$6,600
AMIT RANADE	MEMBER	2.00	Director	$3,150	$0	$3,150
TARA VAGEN	MEMBER	2.00	Director	$4,200	$0	$4,200
SARAH HOWARD	MEMBER	2.00	Director	$1,050	$0	$1,050
DAVID FREDERICK COMBS	MEMBER	2.00	Director	$0	$0	$0
ANNIE LANT-SMITH	EVP/COO	20.00	Officer	$170,069	$29,138	$199,207
GREGG SWANSON	SVP/CCO	40.00	Officer	$125,365	$27,263	$152,628
LORI MILTON	SVP/SALES MANAGER	40.00	Officer	$164,137	$21,370	$185,507
SEAN DEVLIN	LOAN OFFICER	40.00	Highest	$158,563	$23,653	$182,216
LAURA DONALDSON-FLETCHER	DIRECTOR	40.00	Highest	$135,214	$27,669	$162,883
KATHY AUSTIN	OPERATIONS MANAGER	40.00	Highest	$117,944	$28,391	$146,335
ROBIN AMRINE	LOAN OFFICER	40.00	Highest	$117,606	$22,829	$140,435
THERESA SMITH	DEVELOPMENT COORDINATOR	40.00	Highest	$115,517	$17,894	$133,411

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	$5,975,348	$5,903,811	$9,708,302	$71,537
2024	$5,856,012	$5,722,471	$9,907,305	$133,541
2023	$5,839,619	$5,522,336	$10,195,838	$317,283
2022	$5,638,585	$5,270,378	$9,639,526	$368,207
2021	$5,500,753	$5,297,186	$8,313,121	$203,567
2020	$5,207,791	$5,063,323	$8,309,802	$144,468
2019	$5,176,003	$5,485,141	$8,212,890	$-309,138
2018	$4,960,413	$5,263,345	$7,604,196	$-302,932

EVERGREEN BUSINESS CAPITAL