Northwest Native Development Fund
Nonprofit profile at a glance
- EIN
- 264216937
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Coulee Dam, Washington, USA
- Phone
- 509-633-9940
- Rating
- 57
- Verdict
- MIXED
- Rating confidence
- Moderate
- Sector
- Human Service Organizations
Reported finances
- Revenue
- $5,161,913
- Expenses
- $983,855
- Assets
- $19,562,495
- Liabilities
- $6,221,397
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
7 people listed
Executive titles in this filing
- JORDAN RUIZ (EXECUTIVE DIRECTOR)
Highest reported compensation
- JORDAN RUIZ (EXECUTIVE DIRECTOR): $129,117 total reported compensation
- CASSANDRA WATERS (DIRECTOR OF FINANCE): $101,646 total reported compensation
- KIMBERLY PEONE (TREASURER/INTERIM ED): $26,250 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The Northwest Native Development Fund seeks to foster economic and financial independence for Native people by assisting in the development of personal assets through financial and entrepreneurial education as well as providing access to capital through creative lending products. NNDF will promote this mission by increasing home ownership and economic opportunities.
What it reported doing in 2024
Indianprenuership was fostered through both group and one-on-one meetings located in omak, spokane, and coulee dam. These small business counseling sessions led to functional business plans, as well as marketing plans.
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- 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
MIXED - The filed numbers largely add up and program spending has grown recently. A relatively small share of available resources goes toward mission work and a relatively small share of voting board members are independent.
Rating breakdown
- Financial Efficiency: 38
- Transparency & Controls: 92
- Accountability: 28
- Sustainability: 79
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 12.2%; rating input score 12
- Program expense ratio: 65.7%; rating input score 66
- Fundraising efficiency: $57.72 raised per $1 spent on fundraising; rating input score 80; 80th percentile among comparable filings
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 0%; rating input score 0; 3rd percentile among comparable filings
- Governance controls: 6 of 9 controls in place; rating input score 67
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Fail
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Fail
- Audit committee oversight: Fail
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 80.9%; rating input score 98; 98th percentile among comparable filings
- Total-asset coverage ratio: 19.88; rating input score 96; 96th percentile among comparable filings
- Liabilities to assets ratio: 0.32; rating input score 33; 33rd percentile among comparable filings
- Officer compensation ratio: 27%; rating input score 7; 7th percentile among comparable filings
Growth
- Program expense growth: 12.2% per year; rating input score 100; 71st percentile among comparable filings
- Revenue growth: 14.5% per year; rating input score 100; 81st percentile among comparable filings
- Asset growth: 19.7% per year; rating input score 100; 83rd percentile among comparable filings
Details
- What they do: 8 programs and campaigns described on the official site · 2 operating locations identified
- Where the money goes: 12.2% of revenue deployed · 65.7% of spending went to programs
- Governance: 0 of 5 board members independent · 6 of 9 filing controls reported
- Programs: 3 filed program accomplishments · $646K in reported program spending
- Leadership: top reported pay $129K · 7 people listed
- Consistency: 32 of 32 current checks pass
- Schedules: 6 filed schedules · includes major donors
- Filing history: 13 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 14 filed money-flow records
- Related organizations: Filed and resolved organization relationships.
- 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 — Financial Efficiency: Mission deployment rate scored 12/100.
- High — Accountability: Independent voting board scored 0/100.
- Review — Accountability: Governance controls: 3 of 9 not reported.
- High — Sustainability: Officer compensation ratio scored 7/100.
- Moderate — Sustainability: Liabilities to assets ratio scored 33/100.
- High — Grant Readiness: Federal audit findings: this organization reported findings in its latest federal Single Audit.