The Whatcom Dream

Nonprofit profile at a glance

EIN: 743086597
IRS 990-EZ coverage: 2018–2025
Forms available: Form 990 2023, Form 990-EZ 2025
Location: Bellingham, WA, USA
Rating: 55
Verdict: MIXED
Rating confidence: Moderate
Sector: Centers to Support the Independence of Specific Populations

Reported finances

Revenue: $115,579
Expenses: $176,007
Assets: $83,408
Liabilities: $10,932

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

9 people listed

Executive titles in this filing

Trudy Shuravloff (Executive Director)
Jim Pidgeon (Board president)

People named in this filing

Trudy Shuravloff (Executive Director)
Jim Pidgeon (Board president)
Lydia Ahn (Board Vice Presidient)

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 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Community financial literacy education

What it reported doing in 2025

Financial literacy programs

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 revenue has grown recently. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.

Rating breakdown

Financial Efficiency: 29
Transparency & Controls: 93
Sustainability: 15
Growth: 60

Detailed rating inputs

Financial Efficiency

Mission deployment rate: 34.1%; rating input score 34
Program expense ratio: 21.2%; rating input score 21

Transparency & Controls

Consistency checks: 91.7%; rating input score 92; 3rd percentile among comparable filings
Major donor itemization: Yes; rating input score 100

Sustainability

Operating margin: -52.3%; rating input score 2; 2nd percentile among comparable filings
Total-asset coverage ratio: 0.47; rating input score 36; 36th percentile among comparable filings
Liabilities to assets ratio: 0.13; rating input score 19; 19th percentile among comparable filings
Officer compensation ratio: 33.8%; rating input score 11; 11th percentile among comparable filings

Growth

Program expense growth: -12.5% per year; rating input score 0; 14th percentile among comparable filings
Revenue growth: 2% per year; rating input score 100; 28th percentile among comparable filings
Asset growth: 9.6% per year; rating input score 100; 58th percentile among comparable filings

Details

Where the money goes: 34.1% of revenue deployed · 21.2% of spending went to programs
Governance: Filed governance answers
Accomplishments: 1 filed program accomplishment · $37K in reported program spending
Leadership: top reported pay $0 · 9 people listed
Consistency: 8 of 8 current checks pass
Schedules: 3 filed schedules
Filing history: 7 filing years from 2018 to 2025
Contacts: How to reach this organization
Money network: 3 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.

Moderate — Financial Efficiency: Mission deployment rate scored 34/100.
High — Financial Efficiency: Program expense ratio scored 21/100.
High — Sustainability: Operating margin scored 2/100.
High — Growth: Program expense growth scored 0/100.
Moderate — Sustainability: Total-asset coverage ratio scored 36/100.
High — Sustainability: Officer compensation ratio scored 11/100.
High — Sustainability: Liabilities to assets ratio scored 19/100.