Civic Intelligence

Native Community Capital

990 • Fiscal year 2023 • EIN 27-0735586

Jan 01, 2023 to Dec 31, 2023 • Filed on Feb 18, 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

86th percentile

0.78x

Higher debt load relative to assets than 86% of similar nonprofits.

2023 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2023

Liabilities / Revenue

97th percentile

11.85x

Higher debt load relative to revenue than 97% of similar nonprofits.

2023 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2023

Net Margin

8th percentile

-41%

Higher net margin than 8% of similar nonprofits.

2023 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2023

Top Officer Pay

29th percentile

$178,626

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 10.9% of source-year revenue.

2023 filings • 501(c)3 • $25M-$50M nonprofits • Source year 2023

Asset Growth

95th percentile

81%

Faster asset growth than 95% of similar nonprofits.

2023 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Revenue Growth

38th percentile

0.1%

Faster revenue growth than 38% of similar nonprofits.

2023 filings • 501(c)3 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$25,069,515

Up $18,779,543 (+299%) from 2018

Net Assets

Up

$5,632,811

Up $3,385,786 (+151%) from 2018

Liabilities

Up

$19,436,704

Up $15,393,757 (+381%) from 2018

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin8th percentile

Revenue

Down

$1,639,784

Down $362,846 (-18%) from 2018

Expenses

Up

$2,310,765

Up $1,880,791 (+437%) from 2018

Net Income

Down

-$670,981

Down $2,243,637 (-143%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth95th 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 2023: $25,069,515Liabilities 2023: $19,436,704Net Assets 2023: $5,632,8112023Assets 2024: $22,012,039Liabilities 2024: $15,731,379Net Assets 2024: $6,280,6602024

Highlighted filing

2023

Assets$25,069,515
Liabilities$19,436,704
Net Assets$5,632,811
Open 2023 Filing

Operations Trend

Revenue Growth38th 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 2023: $1,639,784Expenses 2023: $2,310,765Net Income 2023: -$670,9812023Revenue 2024: $4,041,100Expenses 2024: $4,614,712Net Income 2024: -$573,6122024

Highlighted filing

2023

Revenue$1,639,784
Expenses$2,310,765
Net Income-$670,981
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Feb 18, 2025
Return Version
2023v6.0
Gross Receipts
$1,639,784
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$6,676,118$16,941,901▲ $10,265,783
Other Notes and Loans Receivable, Net$5,407,502$7,240,237▲ $1,832,735
Investments in Publicly Traded Securities$703,923$726,224▲ $22,301
Pledges and Grants Receivable$198,437--
Accounts Receivable$78,291$83,154▲ $4,863
Savings and Temporary Cash Investments$773,861$58,496▼ $715,365
Land, Buildings, and Equipment, Net$5,225$13,820▲ $8,595
Prepaid Expenses and Deferred Charges$8,981$5,683▼ $3,298
Total Assets$13,852,338$25,069,515▲ $11,217,177
Liabilities
Deferred Revenue$331,973$12,942,839▲ $12,610,866
Unsecured Notes Loans Payable$5,124,368$5,723,851▲ $599,483
Accounts Payable and Accrued Expenses$227,102$385,014▲ $157,912
Mortgage Notes Payable Secured by Investment Property$385,000$385,000→ $0
Total Liabilities$6,068,443$19,436,704▲ $13,368,261
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$6,396,821$4,245,737▼ $2,151,084
Net Assets With Donor Restrictions$1,387,074$1,387,074→ $0
Total Net Assets Fund Balance$7,783,895$5,632,811▼ $2,151,084
Total Liabilities and Net Assets / Fund Balance$13,852,338$25,069,515▲ $11,217,177

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$13,820$3,135$16,955
Compensation and Service Providers
Top Officer Pay29th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David CastilloCEOFT$168,750$9,876$178,626

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
$1,337,478
Program Service Revenue
$297,303
Investment Income
$0
Other Revenue
$5,003
All Other Contributions
$1,107,856
Change in Net Assets
$-670,981

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,639,784
Total Revenue per Audited Statements
$1,639,784
Total Revenue per Form 990
$1,639,784
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,368,587
Salaries, Compensation, and Employee Benefits$772,178
Grants and Similar Amounts Paid$170,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$450,535$61,437-$511,972
Fees for Services Other$443,270--$443,270
Fees for Services Accounting-$285,027-$285,027
Office Expenses$71,106$126,410-$197,516
Current Officers, Directors, Trustees, and Key Employees$154,623$24,003-$178,626
Grants to Domestic Orgs$170,000--$170,000
Travel$34,771$61,815-$96,586
Fees for Services Legal$80,736--$80,736
Interest$63,069--$63,069
Payroll Taxes$48,301$8,524-$56,825
Occupancy$16,310$15,622-$31,932
Other Employee Benefits$15,348$9,407-$24,755
Other Expenses$18,879--$18,879
Advertising$12,178--$12,178
Total Functional Expenses$1,718,520$592,245$0$2,310,765

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,310,765
Total Expenses per Audited Statements$2,310,765
Total Expenses per Form 990$2,310,765
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Laguna Housing DevelopmentLaguna, NM-Tribal Coalition$50,000
Pueblo of Jemez Housing AuthorityJemez Pueblo, NM-Tribal Coalition$50,000
San Ildefonso Housing AuthoritySanta Fe, NM-Tribal Coalition$50,000
Zuni Housing AuthorityZuni, NM-Tribal Coalition$20,000
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
2025-02-18

Organization Details

Principal Officer
David Castillo
Formed
2010
Legal Domicile
Nm
Voting Board Members
6
Independent Board Members
6
Employees
10

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.”

Form 990, Part IX, Line 11G

“Other contract services 443,270 0 0”

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, 2020 and thereafter.”

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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0NCC 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, 2020 AND THEREAFTER.
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/ExplanationTxt3OTHER CONTRACT SERVICES 443,270 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART IX, LINE 11G
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$25,069,515
Liabilities
$19,436,704
Net assets
$5,632,811
Revenue
$1,639,784
Expenses
$2,310,765
Net income
-$670,981
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
2023Detailed filing. Detailed filing data is available for this year.$25.1$19.4$5.63$1.64$2.31$0.67
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