Civic Intelligence

Native Community Capital

990 • Fiscal year 2022 • EIN 27-0735586

Jan 01, 2022 to Dec 31, 2022 • Filed on Jan 30, 2025

Organization ProfileNATIVECAP.ORG
6 Arrowhead RoadLaguna, NM 87026

(505) 792-6544

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

64th percentile

0.44x

Higher debt load relative to assets than 64% of similar nonprofits.

2022 filings • NTEE S • $10M-$25M nonprofits • Source year 2022

Liabilities / Revenue

77th percentile

3.70x

Higher debt load relative to revenue than 77% of similar nonprofits.

2022 filings • NTEE S • $10M-$25M nonprofits • Source year 2022

Net Margin

39th percentile

3.0%

Higher net margin than 39% of similar nonprofits.

2022 filings • NTEE S • $10M-$25M nonprofits • Source year 2022

Top Officer Pay

32nd percentile

$92,182

Higher top officer pay than 32% of similar nonprofits.

Top officer pay equals 5.6% of source-year revenue.

2022 filings • NTEE S • $10M-$25M nonprofits • Source year 2022

Asset Growth

44th percentile

-0.8%

Faster asset growth than 44% of similar nonprofits.

2022 filings • NTEE S • $10M-$25M nonprofits • Annualized from 2021 to 2022

Revenue Growth

9th percentile

-61%

Faster revenue growth than 9% of similar nonprofits.

2022 filings • NTEE S • $10M-$25M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$13,852,338

Up $7,562,366 (+120%) from 2018

Net Assets

Up

$7,783,895

Up $5,536,870 (+246%) from 2018

Liabilities

Up

$6,068,443

Up $2,025,496 (+50%) from 2018

Revenue And Expenses
Liabilities / Revenue77th percentileNet Margin39th percentile

Revenue

Down

$1,638,269

Down $364,361 (-18%) from 2018

Expenses

Up

$1,589,918

Up $1,159,944 (+270%) from 2018

Net Income

Down

$48,351

Down $1,524,305 (-97%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth44th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$30M$20M$10M$0Assets 2012: $854,753Liabilities 2012: $584Net Assets 2012: $854,1692012Assets 2014: $1,954,466Liabilities 2014: $1,251,537Net Assets 2014: $702,9292014Assets 2015: $2,458,399Liabilities 2015: $1,786,434Net Assets 2015: $671,9652015Assets 2016: $2,539,847Liabilities 2016: $1,873,479Net Assets 2016: $666,3682016Assets 2018: $6,289,972Liabilities 2018: $4,042,947Net Assets 2018: $2,247,0252018Assets 2022: $13,852,338Liabilities 2022: $6,068,443Net Assets 2022: $7,783,8952022Assets 2024: $22,012,039Liabilities 2024: $15,731,379Net Assets 2024: $6,280,6602024

Highlighted filing

2022

Assets$13,852,338
Liabilities$6,068,443
Net Assets$7,783,895
Open 2022 Filing

Operations Trend

Revenue Growth9th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2012: $199,1102012Revenue 2014: $248,526Expenses 2014: $262,651Net Income 2014: -$14,1252014Revenue 2015: $296,436Expenses 2015: $327,400Net Income 2015: -$30,9642015Revenue 2016: $298,608Expenses 2016: $304,205Net Income 2016: -$5,5972016Revenue 2018: $2,002,630Expenses 2018: $429,974Net Income 2018: $1,572,6562018Revenue 2022: $1,638,269Expenses 2022: $1,589,918Net Income 2022: $48,3512022Revenue 2024: $4,041,100Expenses 2024: $4,614,712Net Income 2024: -$573,6122024

Highlighted filing

2022

Revenue$1,638,269
Expenses$1,589,918
Net Income$48,351
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Jan 30, 2025
Return Version
2022v5.0
Gross Receipts
$1,638,269
Mission and Program Overview

Mission

Native community finance is a certified non profit community development financial institution (cdfi), which will provide financial education forums, community oriented loans, and saving and financial services.

Native community capital's mission is to provide technical assistance and financial capital in the form of loans to native americans for the purpose of advancing tribal self-determination by working as a lender and as an honest broker for unlocking capital resources necessary to build tribal economies.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$6,228,511$6,676,118▲ $447,607
Other Notes and Loans Receivable, Net$5,969,199$5,407,502▼ $561,697
Savings and Temporary Cash Investments$830,625$773,861▼ $56,764
Investments in Publicly Traded Securities$726,224$703,923▼ $22,301
Pledges and Grants Receivable$192,702$198,437▲ $5,735
Accounts Receivable-$78,291-
Prepaid Expenses and Deferred Charges$3,549$8,981▲ $5,432
Land, Buildings, and Equipment, Net$7,315$5,225▼ $2,090
Total Assets$13,958,125$13,852,338▼ $105,787
Liabilities
Unsecured Notes Loans Payable$1,923,361$5,124,368▲ $3,201,007
Mortgage Notes Payable Secured by Investment Property$3,641,074$385,000▼ $3,256,074
Deferred Revenue-$331,973-
Accounts Payable and Accrued Expenses$638,638$227,102▼ $411,536
Total Liabilities$6,203,073$6,068,443▼ $134,630
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$6,564,137$6,396,821▼ $167,316
Net Assets With Donor Restrictions$1,190,915$1,387,074▲ $196,159
Total Net Assets Fund Balance$7,755,052$7,783,895▲ $28,843
Total Liabilities and Net Assets / Fund Balance$13,958,125$13,852,338▼ $105,787

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,225$5,225$10,450
Compensation and Service Providers
Top Officer Pay32nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David CastilloCEOFT$90,000$2,182$92,182

Board Members and Trustees

NameTitle
Ben NuvamsaChairman
Jeff AtencioVice-chairma
Chris SmithDirector
Rodger BoydDirector
Liz GamboaSecretary
Arthur AllisonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,402,380
Program Service Revenue
$232,387
Investment Income
$0
Other Revenue
$3,502
All Other Contributions
$1,095,334
Change in Net Assets
$48,351

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,638,269
Revenue Not Reported on Form 990
$-19,507
Total Revenue per Audited Statements
$1,618,762
Total Revenue per Form 990
$1,638,269
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$925,829
Salaries, Compensation, and Employee Benefits$664,089
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$429,690$57,005-$486,695
Office Expenses$42,239$75,126-$117,365
Fees for Services Other$116,169--$116,169
Current Officers, Directors, Trustees, and Key Employees$80,817$11,365-$92,182
Fees for Services Accounting$19,639$52,659-$72,298
Interest$56,164--$56,164
Payroll Taxes$42,551$7,448-$49,999
Occupancy$24,684$19,654-$44,338
Other Employee Benefits$21,918$13,295-$35,213
Travel$12,104$21,078-$33,182
Other Expenses$12,500$3,685-$12,500
Fees for Services Legal$9,540--$9,540
Depreciation Depletion$2,090--$2,090
Total Functional Expenses$1,328,603$261,315$0$1,589,918

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,589,918
Total Expenses per Audited Statements$1,589,918
Total Expenses per Form 990$1,589,918
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“The form 990 is provided to the ceo and controller for review prior to being filed.”

Form 990, Page 6, Part VI, Line 19

“All documents available upon request.”

Filing and Contact Details

Filer

Filer Name
Native Community Capital
EIN
27-0735586
Phone
5057926544
Address
6 ARROWHEAD ROAD, LAGUNA, NM 87026

Signing Officer

Name
David Castillo
Title
CEO
Phone
5055527050
Signed
2025-01-30

Organization Details

Principal Officer
David Castillo
Formed
2010
Legal Domicile
Nm
Voting Board Members
6
Independent Board Members
6
Employees
11

Preparer

Firm
Sjt Group LLC
Address
4811 HARDWARE DR NE SUITE E-4, ALBUQUERQUE, NM 87109
Preparer
Lonnie Juarez
Phone
5053128702
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Native community capital's mission is to provide technical assistance and financial capital in the form of loans to native americans for the purpose of advancing tribal self-determination by working as a lender and as an honest broker for unlocking capital resources necessary to build tribal economies.”

Financial Statement Notes

Schedule D, Page 3, Part X

“Ncc is exempt from federal income tax under section 501(c)(3) of the internal revenue code on all income except unrelated business income. Ncc evaluates uncertain tax positions in accordance with fasb asc 450, accounting for contingencies, whereby the effect of the uncertainties in tax positions would be recorded if the outcome was considered probable and reasonably estimable. Ncc believes that there is appropriate support for any tax positions taken, and as such, does not have any uncertain tax positions that are material to the financial statements. Ncc's open audit periods are for the fiscal year ended december 31, 2019 and thereafter.”

Raw XML Appendix392 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NATIVE COMMUNITY CAPITAL'S MISSION IS TO PROVIDE TECHNICAL ASSISTANCE AND FINANCIAL CAPITAL IN THE FORM OF LOANS TO NATIVE AMERICANS FOR THE PURPOSE OF ADVANCING TRIBAL SELF-DETERMINATION BY WORKING AS A LENDER AND AS AN HONEST BROKER FOR UNLOCKING CAPITAL RESOURCES NECESSARY TO BUILD TRIBAL ECONOMIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE FORM 990 IS PROVIDED TO THE CEO AND CONTROLLER FOR REVIEW PRIOR TO BEING FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL DOCUMENTS AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID CASTILLO
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ReturnHeader/PreparerPersonGrp/PreparationDt02025-02-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LONNIE JUAREZ
ReturnHeader/ReturnTs02025-02-05T11:35:58-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,852,338
Liabilities
$6,068,443
Net assets
$7,783,895
Revenue
$1,638,269
Expenses
$1,589,918
Net income
$48,351
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.0$15.7$6.28$4.04$4.61$0.57
2022Detailed filing. Detailed filing data is available for this year.$13.9$6.07$7.78$1.64$1.59$0.05
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.29$4.04$2.25$2.00$0.43$1.57
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.54$1.87$0.67$0.30$0.30$0.01
2015Detailed filing. Detailed filing data is available for this year.$2.46$1.79$0.67$0.30$0.33$0.03
2014Detailed filing. Detailed filing data is available for this year.$1.95$1.25$0.70$0.25$0.26$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.85$0.00$0.85$0.20