NORTHWEST ACCESS FUND

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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

1999

Legal Domicile

Principal Officer

EMERSON SEKINS

Phone

2063285116

Tax Period

2023-10-01 to 2024-09-30

NORTHWEST ACCESS FUND, founded in 1999, is a community nonprofit in the Human Services sector that reported $3.2M in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.1M, a strong 35% operating margin.

Mission

WE OFFER PEOPLE WITH DISABILITIES CUSTOMIZED LOANS, FINANCIAL COACHING, AND OTHER RESOURCES TO PROMOTE ACCESS TO ASSISTIVE TECHNOLOGY, INDEPENDENCE, FINANCIAL RESILIENCE, AND LIFE OPPORTUNITIES.

Program Service Accomplishments

Program 1

Expenses: $1,618,906 Revenue: $214,699

THE NORTHWEST ACCESS FUND PROVIDES: LOW-INTEREST LOANS FOR ASSISTIVE TECHNOLOGY AND HOME AND VEHICLE ACCESSIBILITY MODIFICATIONS; LOW-INTEREST LOANS THAT INCREASE INDEPENDENCE, FINANCIAL RESILIENCE, AND PURSUIT OF LIFE OPPORTUNITIES; LOW-INTEREST LOANS NEEDED TO PROMOTE OR MAINTAIN EMPLOYMENT OR SELF-EMPLOYMENT OR SMALL BUSINESS PURPOSES; AND FINANCIAL EDUCATION AND FINANCIAL CAPABILITY SERVICES DESIGNED TO INCREASE FINANCIAL KNOWLEDGE, IMPROVE THE RATE OF SAVING, LOWER DEBT, INCREASE CREDIT SCORES, AND ENHANCE THE ABILITY TO MEET FINANCIAL GOALS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $2,962,874

Program Service Revenue $214,699

Investment Income $9,668

Other Revenue $8,136

TOTAL REVENUE $3,195,377

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,572,032

Fundraising Expenses $109,879

Program Expenses $1,618,906

Other Expenses $520,377

TOTAL EXPENSES $2,092,409

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,195,377	$2,894,961	+0.1%
Expenses	$2,092,409	$1,594,485	+0.3%
Net Income	$1,102,968	$1,300,476	-0.2%

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

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

$131,271

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALAN KNUE	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
WARREN WEISSMAN	TREASURER	1.00	Officer Director	$0	$0	$0
WENDY BONNER	PRESIDENT	1.00	Officer Director	$0	$0	$0
STEVE LEWIS	SECRETARY	1.00	Officer Director	$0	$0	$0
LAURIE BROOKS	DIRECTOR	1.00	Director	$0	$0	$0
KAYLA BROWN	DIRECTOR	1.00	Director	$0	$0	$0
GINA IANDOLA	DIRECTOR	1.00	Director	$0	$0	$0
WHITNEY KEYES	DIRECTOR	1.00	Director	$0	$0	$0
YASMIN SMITH	DIRECTOR	1.00	Director	$0	$0	$0
DAMAN WANDKE	DIRECTOR	1.00	Director	$0	$0	$0
MONICA BROWN	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW ARANA	DIRECTOR	1.00	Director	$0	$0	$0
ISABELLE BANVILLE	DIRECTOR (UNTIL JAN)	1.00	Director	$0	$0	$0
EMERSON SEKINS	CEO	40.00	Officer	$121,777	$9,494	$131,271
KATHY GILMAN	PROGRAM DIRECTOR	40.00	Highest	$112,535	$14,588	$127,123
ELLIE VAINKER	CHIEF OPERATING OFFICER	40.00	Highest	$104,785	$3,498	$108,283

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	$3,195,377	$2,092,409	$7,009,658	$1,102,968
2023	$2,894,961	$1,594,485	$6,463,117	$1,300,476
2022	$1,297,717	$1,176,428	$4,675,212	$121,289
2021	$1,662,438	$989,783	$4,925,482	$672,655
2020	$1,782,489	$658,935	$3,892,558	$1,123,554
2019	$297,381	$633,150	$2,548,124	$-335,769
2018	$1,179,223	$562,679	$2,870,757	$616,544