Nakoda-aaniih Credit Agency

Nonprofit profile at a glance

EIN
832589396
IRS 990-EZ coverage
2019–2019
Forms available
Form 990-EZ 2019, Form 990-PF 2018
Location
Harlem, MT, USA
Phone
4065358373
Rating
83
Verdict
STRONG
Rating confidence
Moderate
Sector
Economic Development

Reported finances

Revenue
$156,272
Expenses
$104,753
Assets
$313,928
Liabilities
$58,019

Source: IRS Form 990-EZ. Selected filing: tax year 2019. Amounts in USD.

Leadership & pay

7 people listed

Executive titles in this filing

  • ELEANOR YELLOWROBE (PRESIDENT)
  • JENNIFER PEREZ COLE (VICE PRESIDENT)
  • LORETTA BELL (EXECUTIVE DIRECTOR)
  • RAY KING (EXECUTIVE DIRECTOR)

People named in this filing

  • HARLAN MOUNT (DIRECTOR)
  • ELEANOR YELLOWROBE (PRESIDENT)
  • JENNIFER PEREZ COLE (VICE PRESIDENT)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990-EZ. Selected filing: tax year 2019. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To provide responsible, affordable lending opportunities for 'under-banked' individuals, espcially those who are low-income and low-wealth. Naca will also offer technical assistance through financial literacy training, credit coaching, small business and agri-business training.

What it reported doing in 2019

Development services- operate as a community development financial institution to clients

Operating model

Revenue model
Donor-supported. 88% of the money available for current operations came from contributions and gifts.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

STRONG - The filed numbers largely add up and a large share of available resources goes toward mission work. Reported officer compensation is a large share of total spending, which may reflect staffing concentration and liabilities are high compared with assets.

Rating breakdown

  • Financial Efficiency: 79
  • Transparency & Controls: 100
  • Sustainability: 71
  • Growth: NotEnoughData

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 67.4%; rating input score 67
  • Program expense ratio: 100%; rating input score 100

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100

Sustainability

  • Operating margin: 33%; rating input score 87; 87th percentile among comparable filings
  • Total-asset coverage ratio: 3; rating input score 90; 90th percentile among comparable filings
  • Liabilities to assets ratio: 0.18; rating input score 25; 25th percentile among comparable filings
  • Officer compensation ratio: 38%; rating input score 9; 9th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: Limited
  • Asset growth: Limited

Details

  • Where the money goes: 67.4% of revenue deployed · 100% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 1 filed program accomplishment · $105K in reported program spending
  • Leadership: top reported pay $0 · 7 people listed
  • Consistency: 9 of 9 current checks pass
  • Schedules: 3 filed schedules
  • Contacts: How to reach this organization
  • Money network: 2 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

Grant-readiness screening is separate from the live rating, not a measure of program quality. Review the source records before making a grant decision.

  • High — Sustainability: Officer compensation ratio scored 9/100.
  • High — Sustainability: Liabilities to assets ratio scored 25/100.
  • High — Grant Readiness: Automatic revocation: this organization had its federal tax-exempt status automatically revoked.