Native Agriculture Financial Services (EIN 921718542) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2022

Legal Domicile

Phone

4794457997

Tax Period

2024-01-01 to 2024-12-31

Native Agriculture Financial Services, founded in 2022, is a mid-sized nonprofit in the Community Improvement sector that reported $12.2M in total revenue in fiscal year 2023. The organization ran a surplus of $11.7M, a strong 96% operating margin.

Mission

To serve the capital access and educational needs of farmers and ranchers, and other food and agriculture-related entities, among Native American communities.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $946,875

Program Service Revenue $0

Investment Income $483,740

Other Revenue $0

TOTAL REVENUE $1,430,615

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,224,264

Fundraising Expenses $190,139

Program Expenses $758,533

Other Expenses $650,314

TOTAL EXPENSES $1,874,578

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,430,615	$12,158,628	-0.9%
Expenses	$1,874,578	$466,284	+3.0%
Net Income	$-443,963	$11,692,344	-1.0%

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

$888,626

Total Directors

$638,809

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Charles Rawls	Treasurer	10.0	Officer Director	$21,750	$0	$21,750
Edwin Moore	Board Chair	10.0	Officer Director	$21,750	$0	$21,750
Gary Matteson	Secretary	10.0	Officer Director	$21,750	$0	$21,750
Janie Hipp	PRESIDENT/CEO	10.0	Officer Director	$422,500	$15,184	$437,684
Tomie Peterson	PRESIDENT END: 3/24; CHIEF LENDING OFFICER	10.0	Officer Director	$130,058	$5,817	$135,875
Sandra Martini	VP/COO	10.0	Officer	$244,000	$5,817	$249,817
Ridge Howell	Legal Counsel	10.0	Highest	$141,123	$5,817	$146,940

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	$1,430,615	$1,874,578	$12,782,884	$-443,963
2023	$12,158,628	$466,284	$12,337,174	$11,692,344

Native Agriculture Financial Services