2026-04-22T20:29:19-07:00 2025-12-31 264018715 CYNTHIA TAM CFPR 3530 Camino de las Lomas Vista CA 92084 990 2025-01-01 831499750 Native Finance Development Corporation NATI 6192006277 3530 Camino De Las Lomas Vista CA 92084 Cynthia Tam CEO 2026-04-22 true Cynthia Tam P00644118 6192006277 X 2025 2025-03-06 01:10:19Z Cynthia Tam 3530 Camino De Las Lomas Vista CA 92084 347112 false X N/A X 2018 CA The mission of NFDC is to bring financial equity and promote the financial development of tribal government, tribal entities and institutions, and people living on Indian reservations. We aim to improve the social and economic environments of Indian reservations that lack adequate access to affordable capital and reliable financial education and services. By sourcing from the strengths of Native American values, we pool assets and resources of the tribal communities to address unmet banking needs and create economic opportunities on reservations. 3 3 3 5 0 552094 347109 0 1 3 0 552095 347112 0 0 290552 213110 0 0 214593 192542 505145 405652 46950 -58540 718905 317374 602262 259271 116643 58103 Emerging Native CDFI(Community Development Finance Institution) false false 405652 Project Update:Timeline:Project Duration: 36 monthsCurrent Stage: 18.5 months (as of 3/31/2025) Progress Summary:Year 2 Goals: On track. Between October 1, 2024, and March 31, 2025, we made 13 presentations to 102 community members from seven tribes (Campo, Jamul, La Jolla, La Posta, Manzanita, Pauma, and Viejas) and one Native community organization (Southern Indian Health Council). Not only are they now aware of our Native CDFI project, but all of them also signed a statement of support to build one in our community. Though we had anticipated 20-40 participants for our financial development services when we wrote our proposal in 2023, we actually have 51 participants, 5 of whom were referrals from the people who attended our presentations.Hired all key personnel including project manager, coordinator, financial planner, finance manager, program evaluator, and program reviewer.Community Engagement:Recruitment: Achieved 170% of target population for program development through presentations at 7 tribes and an Indian health clinic.Institutional Support: Secured support from three Tribal education committees (La Jolla, La Posta and Pauma) and the Jamul Casino with 1,300 employees.External Contributors:Secured ongoing technological support and introductions to Fortune 1000 insiders from Salesforce volunteers,a human-centric product design expert to assist with program design and delivery.Data Collection:Culturally Sensitive Interviews: Designed and vetted culturally sensitive, digitally secure quantitative information in collaboration with an Institutional Review Board certified consultant.Data stored in a secured and customized Salesforce cloud with assistance from a Salesforce volunteer.Marketing Strategy:Grassroots Approach: Employed a successful word-of-mouth strategy targeting individual tribal members based on banking status (fully banked, underbanked, unbanked).Social Media Outreach: Created content with videos and short posts for Linkedin, Tiktok, Instagram, and Facebook, in addition to our website.Stakeholder Engagement:Individual and Institutional Outreach: 7 tribes and an Indian health clinic as stated above.Grant Applications Though unsuccessful in obtaining additional grant funding, we have applied to San Manuel Cares (San Manuel Band of Mission Indians), and San Diego Chinese Womens Association.Awards: Selected as one of 36 semi-finalists among 1,600 global entrants in the 2024 MIT Solve Indigenous Communities Challenge.Financial Industry Recognition: Invited into and joined Save-On San Diego, a national Coalition of banks, financial institutions, and nonprofits committed to safe banking products and services.Staff Development:Staff strengthened their expertise in social impact investing, thought leadership, public relations, scaling growth, and digital marketing through Harvard Alumni Entrepreneur Academy programs.?Leveraged these programs to build relationships with international experts, strategically positioning Native Finance as a leading CDFI partner for Indian Country.Oweesta: Board Chairman, staff, and volunteer attended Native CDFI Practitioner trainings to enhance internal knowledge. Opportunity Finance Network: Board received training to strengthen the understanding of ethics and business model for CDFIs.Landmark Worldwide: Board and staff received training and development in communication and professional growth to sharpen listening and interpersonal skills. 405652 true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 9 0 true 3 true false false false false false false false 0 false false false false false false false false false false X 3 3 false false false false false false false false false false false false true false false false false true false false X Cynthia Tam 6192006277 3530 Camino De Las Lomas Vista CA 92084 X Cynthia Tam Project Manager 20.00 0.00 77582 0 5306 Eric Menzel Project Coordinato 10.00 0.00 26558 0 1293 Caroline Colton Community Organize 10.00 0.00 22218 0 1378 Tracy Johnston Financial Coach 8.00 0.00 15997 0 0 Cynthia Tam Treasurer 1.00 0.00 X 0 0 0 James M Hill Sr Chairman 1.00 0.00 X 0 0 0 Teresa Martinez Board Member 1.00 0.00 X 0 0 0 Rigoberto D Ruiz Secretary 1.00 0.00 X 0 0 0 142355 7977 0 false false false Certified Solutions Group LLC 1200 Noth Federal Highway 323 Boca Raton FL 33432 Curriculum & UX Design 29900 MacKenzie E Olivo 29815 Miller Road Valley Center CA 92082 Web & social media 5828 Eric Menzel 7020 Ashton Street Boynton Beach FL 33437 Web & social media 4323 Meridian XYZ Inc 100 South 4th Street 5H Brooklyn NY 11249 Survey illustration 5373 James M Hill Sr 2-A Crestwood Road Boulevard CA 91905 Program reporting 3600 0 344109 3000 347109 0 3 3 0 0 0 0 0 0 0 0 347112 3 0 0 0 0 0 0 190023 190023 0 11105 11105 11982 11982 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6844 6844 User experience 49524 49524 Community surveys 42778 42778 Curriculum development 39978 39978 Web & social media 13257 13257 40161 40161 405652 405652 0 0 0 131501 69963 587371 243262 0 0 0 0 0 0 0 33 4149 0 0 0 0 718905 317374 14891 16009 587371 243262 602262 259271 X 33 4149 116610 53954 116643 58103 718905 317374 -58540 X false false false X 90536 522094 347109 959739 0 0 90536 522094 347109 959739 71341 888398 0 0 1 1 959740 X 0.00000 Form 990, Part VI, Section B, Line 11b No review was or will be conducted. Form 990, Part VI, Section B, Line 15a Compensation Based on Federal GS Guidelines (Equivalent to $95/hourly)We have established a compensation structure based on the General Schedule (GS) pay scale used by the U.S. federal government for white-collar positions. This ensures our pay is competitive and aligns with the experience and responsibilities required for the role. Based on locality adjustment to the living costs of San Diego County, the equivalent is to GS-13. Form 990, Part VI, Section B, Line 15b Review Process:Market Analysis: We conducted a comprehensive market analysis to determine prevailing compensation levels for comparable positions in our industry and geographic location. This analysis included data on base salaries, bonuses, benefits, and other forms of compensation.Performance Evaluation: We considered individual performance evaluations when determining appropriate compensation adjustments.Internal Equity: We reviewed internal compensation structures to ensure fairness and alignment with experience, skills, and responsibilities.Outcomes:Compensation Adjustments: Based on the review findings, the Board approved [general statement on compensation adjustments, e.g., targeted salary increases, adjustments to specific positions, or a combination]. These adjustments aim to:Remain competitive in the job market.Recognize and reward employee performance.Promote internal equity. Form 990, Part VI, Section C, Line 19 Upon Request:Our organization's governing documents, including the Articles of Incorporation,and Bylaws, current policies, and most recent financial statements. Contact:Cynthia Tam at Cynthia@Native-Finance.org