Washington · Nonprofit
PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION
PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION (Washington) receives grants from 7 organizations whose IRS filings report $2,780,000 to it, the largest being NORTHWEST AREA FOUNDATION ($1,025,000). 3 of them have funded it in more than one year.
- Revenue FY2024
- $1.8M
- Funders on record
- 7
- Grants received
- $2.8M
- Net assets
- $4.8M
What Pacific Northwest Tribal Lending Financial Institution does
Mission
To provide access to education, financing, and asset growth in order to improve the prosperity and well being of families, through technical assistance and development services of financial literacy, budgeting, and business plan counseling. The organization seeks to serve as the bridge to mainstream financing intitutions. Lending products include collateralized loans for microenterprises and small businesses for purposes of working capital and fixed assets. The organization makes loans to members of the lummi nation, residents of the lummi reservation, and other native americans or private individuals and entities whose activities will accrue social or economic benefit to the lummi nation or residents of the lummi reservation.
As stated on its FY2024 Form 990.
Program
Provided small business loans to allow community growth, development, and education to occur while keeping funds in the community for the benefit of the lummi tribe and surrounding area.
$682,133 spent$276,714 earned by the program100% of program spending
The program described on its FY2024 Form 990. Program spending in total: $682,133.
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 $4.7M to $6.0M (+27%).
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 27% · 2018 47% · 2019 77% · 2020 63% · 2021 84% · 2022 59% · 2023 10% · 2024 26%. Grants only. Government contracts and fees sit inside program revenue.
85% of PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION’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. 2 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
Nancy Jordan
Interim executive director
Board chair
Rex Rhoades
Board chairman
As listed on its FY2024 Form 990.
The chief executive listed changed between the FY2021 and FY2022 filings.
Who funds it, year by year
2019 → 2023: the base narrowed from 3 funders to 2 funders, grant income fell $460k → $210k.
1 of 7 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 36% 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 PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION’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
PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION leans on a few funders — its largest provides 37% of grant income and the top three 94%; 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 PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION.
Largest funder’s share by year: 2019 92% · 2020 55% · 2021 70% · 2022 94% · 2023 71% — 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.
Where its funders are
PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION draws 94% of its grant income from funders outside Washington, across 4 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $1.0M arriving through sponsors registered in 1 state 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
PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION 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 PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $1.6M on record.
- Department of the Treasury$1.2M
- Department of Agriculture$374k
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 PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION
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 Washington
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
85% of spending goes to programs.
Governance
Public support
72%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Screen this organization
A dated, signed PDF of the compliance screen for PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION: 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 PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION?
- PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION (Washington) receives grants from 7 organizations whose IRS filings report $2,780,000 to it, the largest being NORTHWEST AREA FOUNDATION ($1,025,000). 3 of them have funded it in more than one year.
- How many funders does PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION have?
- IRS filings report 7 organizations giving $2,780,000 in grants to PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION, 3 of which have funded it in more than one year.
- Who is the largest funder of PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION?
- NORTHWEST AREA FOUNDATION is the largest funder on record, with $1,025,000 in grants. The full list of funders is on this page.
- How can an organization like PACIFIC NORTHWEST TRIBAL LENDING FINANCIAL INSTITUTION find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Washington. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds Pacific Northwest Tribal Lending Financial Institution →
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 7 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