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New Mexico Community Capital

EIN 20-1798654 · Albuquerque, NM

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthWeak35 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

NEW MEXICO COMMUNITY CAPITAL'S MISSION IS TO GIVE RISE TO A MORE EQUITABLE FUTURE BY PROVIDING CULTURALLY APPROPRIATE TOOLS FOR SUCCESS TO EMERGING NATIVE AMERICAN OWNED BUSINESSES, NATIVE FAMILIES, AND TRIBAL ENTERPRISES. WE PROVIDE CLASSES AND PROGRAMS THAT ARE TAUGHT USING SUPPORTIVE MENTORSHIP, PEER LEARNING, AND CULTURALLY RELEVANT CURRICULUM. WE SUPPORT TRIBAL AGENCIES AND ORGANIZATIONS WITH SPECIALIZED TECHNICAL ASSISTANCE AND BUSINESS SERVICES.

Income
$3.0 million
Spending
$4.6 million
Spent on programs
76%
Reserves
2.8 months of spending
Largest source of income
donations and private grants, 87%
Employees
10
Volunteers
7
Highest pay
$183,145, executive/fund managing director

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Weak: 35 out of 100. Higher than 7% of charities in its peer group (community improvement, $1m to $10m).

  • Reserves

    10 of 35

    Spendable reserves would cover 2.8 months of spending.

  • Debt

    10 of 20

    It owes 45% of what it owns.

  • Living within its means

    0 of 15

    Spending exceeded income by 55% of income.

  • Income trend

    0 of 15

    Income fell 41% on the year before.

  • Spending floor

    15 of 15

    76% of spending went to programs and raising each dollar of donations cost 12 cents.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 100 out of 100. Higher than 68% of charities in its peer group (community improvement, $1m to $10m).

  • Independent board

    25 of 25

    7 of 7 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (4)
  1. $3.1 million spent. BUSINESS AND MARKETING ESSENTIALS (BME), (FUNDED BY EQUALITY CAN'T WAIT (ECW) AND WELLS FARGO) - BUSINESS SERVICES - PROVIDING MANAGEMENT RESOURCES TO QUALIFYING BUSINESS, PARTICULARLY IN UNDER-INVESTED AREAS.
  2. $22,607 spent. INDIGIDAO (FUNDED BY ROBERT WOOD JOHNSON FOUNDATION) PROPOSES TO ASSESS HOW OR IF WEB 3.0 TOOLS (INCLUDING DAO+, BLOCKCHAIN, ETC) CAN BE USED TO ADVANCE INDIGENOUS CORE VALUES LIKE COLLABORATION, RECIPROCITY, SHARED OWNERSHIP, AND NOURISHMENT-BASED EXCHANGE, WITHOUT EXPLOITING THE COMMUNITIES AND INDIVIDUALS INVOLVED. OUR AIMS IN THE SHORT TERM ARE TO SUPPORT NATIVE AMERICAN ENTREPRENEURS AND TO COUNTER THE POTENTIALLY EXTRACTIVE NATURE OF THESE EMERGING TOOLS, THROUGH A CO-DESIGNED FUND AMONG A REPRESENTATIVE COMMUNITY THAT PROVIDES ACCESS TO WORKING CAPITAL AND OTHER VALUES IN A SAFE AND REINFORCING ENVIRONMENT. IN TIME WE HOPE THIS INITIATIVE CONTRIBUTES TO AND/OR INFORMS A SHIFT IN THE NATURE OF ECONOMICS IN OUR COMMUNITIES AND BEYOND.
  3. $35,971 spent. COMMUNITY LENDING (FUNDED BY ROOTED RELATIVE FUND (RCAC) AND NUSENDA CREDIT UNION) - NMCC ACTS AS THE BRIDGE BETWEEN COMMUNITY AND NONTRADITIONAL LENDERS. THROUGH THESE PROGRAMS NMCC PROVIDES TA SUPPORT TO ENSURE THAT COMMUNITY MEMBERS ARE QUALIFIED TO RECEIVE LOANS AND TO ENSURE THEY ARE ABLE TO MEET THERE LOAN COMMITMENTS.
  4. $357,178 spent. FISCAL SERVICES - FISCAL SPONSORSHIP SERVICES ARE PROVIDED TO COMPANIES IN THE COMMUNITY WHO HAVE A NONPROFIT MISSION, MANY OF WHICH ARE IN THE PROCESS OF GETTING THEIR OWN 501(C)3 STATUS. THIS PROGRAM IS FINANCED THROUGH A PERCENTAGE OF THE GRANTS SPONSOREES RECEIVE.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated September 30, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated September 10, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending December 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since November 2005.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 7, 2026.

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