COOK INLET LENDING CENTER (EIN 920177969) - 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

2001

Legal Domicile

Principal Officer

JEFF TICKLE

Phone

9077933000

Tax Period

2024-01-01 to 2024-12-31

COOK INLET LENDING CENTER, founded in 2001, is a community nonprofit in the Community Improvement sector that reported $8.6M in total revenue in fiscal year 2024. Revenue surged 145% from the prior year, signaling strong growth momentum. The organization ran a surplus of $4.0M, a strong 47% operating margin.

Mission

COOK INLET LENDING CENTER IS A NONPROFIT LENDING ENTITY ESTABLISHED TO PROMOTE AND PROVIDE LENDING PRODUCTS AND SERVICES TO LOW-INCOME PERSONS, PRIMARILY THOSE OF AMERICAN INDIAN/ALASKA NATIVE DESCENT.

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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 $7,466,241

Program Service Revenue $619,198

Investment Income $144,966

Other Revenue $321,295

TOTAL REVENUE $8,551,700

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,993,716

Fundraising Expenses $0

Program Expenses $4,565,137

Other Expenses $2,571,421

TOTAL EXPENSES $4,565,137

Year-over-Year Comparison

	2024	2023	Change
Revenue	$8,551,700	$3,493,060	+1.4%
Expenses	$4,565,137	$3,529,195	+0.3%
Net Income	$3,986,563	$-36,135	-111.3%

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

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
MICHAEL BOLING	CHAIRMAN	1.00	Director	$0	$0	$0
DEBRA MORRIS	SECRETARY	1.00	Director	$0	$0	$0
ROBERT JULIUSSEN	VICE CHAIR	1.00	Director	$0	$0	$0
BARBARA DONATELLI	COMMISIONER	1.00	Director	$0	$0	$0
PATRICK DUKE	TREASURER	1.00	Director	$0	$0	$0
JEWEL JONES	DIRECTOR	1.00	Director	$0	$0	$0
MARIA TAGLIAVENTO	DIRECTOR	1.00	Director	$0	$0	$0
JEFF TICKLE	PRESIDENT	40.00	Highest	$236,250	$0	$236,250
KARI COON	OFFICER	40.00	Highest	$136,500	$0	$136,500
JULIET SADR	COMPLIANCE MANAGER	40.00	Highest	$117,600	$0	$117,600
JULIE NOLEN	BUSINESS LENDING MANAGER	40.00	Highest	$113,400	$0	$113,400
BEN REYNOLDS	RESIDENTIAL LENDING MANAGER	40.00	Highest	$109,200	$0	$109,200

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	$8,551,700	$4,565,137	$34,496,351	$3,986,563
2023	$3,493,060	$3,529,195	$29,827,685	$-36,135
2022	$2,983,120	$2,256,443	$29,170,429	$726,677
2021	$14,919,049	$16,436,814	$29,381,290	$-1,517,765
2020	$14,646,334	$14,701,115	$35,427,936	$-54,781
2019	$1,665,361	$1,856,593	$26,260,019	$-191,232
2018	$1,663,554	$1,986,342	$26,095,455	$-322,788

COOK INLET LENDING CENTER