SOUTH DAKOTA NATIVE HOMEOWNERSHIP … - Form 990 Financial Data

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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

2021

Legal Domicile

Principal Officer

DAVID SPIDER

Phone

6054552500

Tax Period

2024-10-01 to 2025-09-30

SOUTH DAKOTA NATIVE HOMEOWNERSHIP COALITION INC, founded in 2021, is a community nonprofit in the Community Improvement sector that reported $2.0M in total revenue in fiscal year 2024. The organization ran a surplus of $703K, a strong 35% operating margin.

Mission

TO INCREASE HOMEOWNERSHIP OPPORTUNITIES FOR SOUTH DAKOTA'S NATIVE PEOPLE TO BUILD STRONG AND HEALTHY COMMUNITIES.

Program Service Accomplishments

Program 1

Expenses: $1,282,997 Revenue: $344,383

THE SOUTH DAKOTA NATIVE HOMEOWNERSHIP COALITION IS A COLLABORATIVE GROUP OF KEY AGENCIES DEDICATED TO INCREASING HOMEOWNERSHIP OPPORTUNITIES FOR NATIVE AMERICANS IN THE STATE OF SOUTH DAKOTA. OUR...

THE SOUTH DAKOTA NATIVE HOMEOWNERSHIP COALITION IS A COLLABORATIVE GROUP OF KEY AGENCIES DEDICATED TO INCREASING HOMEOWNERSHIP OPPORTUNITIES FOR NATIVE AMERICANS IN THE STATE OF SOUTH DAKOTA. OUR GROWING GROUP OF MEMBERS INCLUDING REPRESENTATIVES OF SOUTH DAKOTA'S TRIBES, FEDERAL AND STATE AGENCIES, TRIBALLY DESIGNATED HOUSING ENTITIES (TDHES), NONPROFIT ORGANIZATIONS, HOUSING DEVELOPERS, LENDERS, AND COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS COLLECTIVELY DEVELOP AND IMPLEMENT INNOVATIVE STRATEGIES THAT PROMOTE NATIVE AMERICAN HOMEOWNERSHIP. THIS IS ACCOMPLISHED THROUGH THE COALITION'S HOMEOWNERSHIP PROGRAM, WHICH PROVIDES HOMEBUYER EDUCATION AND INDIVIDUALIZED HOMEOWNERSHIP COACHING TO HELP FAMILIES PREPARE FOR SUCCESSFUL, SUSTAINABLE HOMEOWNERSHIP. THE COALITION CONNECTS FAMILIES WITH LENDERS, DOWN PAYMENT ASSISTANCE PROGRAMS, TRIBAL HOUSING ENTITIES, AND OTHER HOUSING-RELATED RESOURCES. THE COALITION DOES NOT ORIGINATE LOANS OR OFFER DIRECT FINANCING.

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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 $1,679,233

Program Service Revenue $344,383

Investment Income $0

Other Revenue $0

TOTAL REVENUE $2,023,616

Expense Breakdown

Grants Paid $1,218,134

Salaries & Benefits $46,288

Fundraising Expenses $0

Program Expenses $1,282,997

Other Expenses $55,718

TOTAL EXPENSES $1,320,140

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,023,616	N/A	N/A
Expenses	$1,320,140	N/A	N/A
Net Income	$703,476	$0	N/A

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

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
SHARON VOGEL	PRESIDENT	0.50	Officer Director	$0	$0	$0
ERIC SHEPHERD	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
TAWNEY BRUNSCH	SECRETARY	0.50	Officer Director	$0	$0	$0
LORI MOEN	TREASURER	0.50	Officer Director	$0	$0	$0
COLLEEN STEELE	DIRECTOR	0.50	Director	$0	$0	$0
LAKOTA VOGEL	DIRECTOR	0.50	Director	$0	$0	$0
ROBERT DAHL	DIRECTOR	0.50	Director	$0	$0	$0
CHAS OLSON	DIRECTOR	0.50	Director	$0	$0	$0
KRISTY O'ROURKE	EXECUTIVE DIRECTOR (APR - AUG 2025)	40.00	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	$2,023,616	$1,320,140	$1,016,351	$703,476

SOUTH DAKOTA NATIVE HOMEOWNERSHIP COALITION INC