Montana · Nonprofit
NACDC Financial Services Inc
NACDC Financial Services Inc (Montana) receives grants from 21 organizations whose IRS filings report $7,212,613 to it, the largest being GS DONOR ADVISED PHILANTHROPY FUND FOR WEALTH MANAGEMENT INC ($3,000,000). 14 of them have funded it in more than one year.
- Revenue FY2024
- $7.1M
- Funders on record
- 21
- Grants received
- $7.2M
- Net assets
- $10M
What NACDC Financial Services Inc does
Mission
Provide alternative financing opportunity for Native American entrepreneurs and small businesses in communities in and near Indian Reservations.
As stated on its FY2024 Form 990.
Program
NACDC Financial Services' accomplishments during 2024: Loans closed by type: 34 Credit Building Loans ($401,194), 16 Consumer Loans ($332,825), 423 Short-term Loans ($579,643), 13 Home Loan ($1,896,579), 2 Micro Business Loans ($15,000), 10 Small Business Loans ($974,005), 6 Agricultural Loans ($94,629) and 1 Artist Loan ($5,000). We provided personalized business technical assistance and counseling to 119 business owners totaling 286 hours.
$3,093,353 spentof which $1,545,973 as grants$811,417 earned by the program100% of program spending
The program described on its FY2024 Form 990. Program spending in total: $3,093,353.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2023 to 2024, from $14M to $21M (+48%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2017 44% · 2018 39% · 2019 64% · 2020 46% · 2021 55% · 2022 49% · 2023 41% · 2024 38%. Grants only. Government contracts and fees sit inside program revenue.
88% of NACDC Financial Services Inc’s revenue is contributions — more donation-reliant than the typical peer (61% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 0 of the last 8 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Andrea Main
Executive Director
Board chair
Melanie Wall
Chair
As listed on its FY2024 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 3 funders to 8 funders, grant income rose $165k → $935k.
2 of 21 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 43% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of NACDC Financial Services Inc’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
NACDC Financial Services Inc leans on a few funders — its largest provides 42% of grant income and the top three 75%; half comes from just 2 funders.
the vertical line marks half of all grant income — 2 funders to its left
63% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund NACDC Financial Services Inc.
Largest funder’s share by year: 2017 76% · 2018 87% · 2019 56% · 2020 68% · 2021 54% · 2022 33% · 2023 64% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
50% of NACDC Financial Services Inc's funders are still giving 3 years after their first grant; 67% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
NACDC Financial Services Inc draws 92% of its grant income from funders outside Montana, across 10 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $3.1M arriving through sponsors registered in 2 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
NACDC Financial Services Inc runs a healthier operating margin than three-quarters of the 4,203 community improvement nonprofits its size.
this organization peer median middle 50% of peers· 4,203 community improvement nonprofits $1M–$10M, FY2024
Government funding NACDC Financial Services Inc receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $15.6M on record.
- Department of the Treasury$7.8M
- Department of Commerce$6.5M
- Department of Health and Human Services$1.1M
- Department of Agriculture$151k
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like NACDC Financial Services Inc
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Montana
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
83% of spending goes to programs.
Governance
Public support
89%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Screen this organization
A dated, signed PDF of the compliance screen for NACDC Financial Services Inc: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds NACDC Financial Services Inc?
- NACDC Financial Services Inc (Montana) receives grants from 21 organizations whose IRS filings report $7,212,613 to it, the largest being GS DONOR ADVISED PHILANTHROPY FUND FOR WEALTH MANAGEMENT INC ($3,000,000). 14 of them have funded it in more than one year.
- How many funders does NACDC Financial Services Inc have?
- IRS filings report 21 organizations giving $7,212,613 in grants to NACDC Financial Services Inc, 14 of which have funded it in more than one year.
- Who is the largest funder of NACDC Financial Services Inc?
- GS DONOR ADVISED PHILANTHROPY FUND FOR WEALTH MANAGEMENT INC is the largest funder on record, with $3,000,000 in grants. The full list of funders is on this page.
- How can an organization like NACDC Financial Services Inc find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Montana. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2024 (financials across 2017–2024), and the filings of 21 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing