- Revenue 2025
- $650,299
- Expenses 2025
- $454,484
Program services were 100.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.
As filed
- Subsection
- 03
- NTEE code
- S41
- Classification
- 1000
- Street
- 123 N SEQUIM AVE
These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).
Mission and programs · 2025
Mission
Our mission is to "Foster and facilitate sustainable economic developments and business ventures in tribal and adjoining rural communities". We fulfill our mission by providing credit builder, microenterprise, small business, and Tribal enterprise financial products and associated development services. Specifically offering flexible and affordable small loans, technical assistance, and credit counseling for: * Financially distressed individuals. * Small and startup businesses that do not typically qualify for traditional financing. * Tribal commercial enterprises such as maritime, fisheries, seafood, and forestry industries. * Businesses focused on creating jobs, supporting entrepreneurship, and community development.
Activities or mission (Part I)
JST Capital operates a revolving loan fund providing access to capital for underserved borrowers. Loan repayments are recycled into new loans to expand impact. During 2025, the organization managed a portfolio of 64 loans totaling approximately $701,000 and program service revenue of $40,912. As a Department of Treasury Certified Native Community Development Financial Institution (CDFI), we originate and service micro loans to consumers and businesses in our rural community that don't qualify for traditional sources of financing, in conjunction with financial education and credit counseling.
-
We are a revolving loan fund with a total outstanding loan portfolio size of $701,000, comprised of 47 small dollar consumer loans and 17 microenterprise loans. We earned $34,949 if interest revenue and $5,963 of fee revenue on our portfolio in 2025 for total program service revenue of $40,912. Microloans are our only product offering. Our other financial services are credit counseling, technical assistance, and business plan development services which are free of charge to our borrowers and in conjunction with each loan we offer.
Expenses $454,484 · Grants $609,387 · Revenue $650,299
As filed on the 2025 return.
Officers and directors · 2025
As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.
-
Johanna Bartee
Executive Director
- Total calculated
- $179,432
- From this org
- $121,715
- From related orgs
- $0
- Other
- $57,717
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $121,715
- Bonus
- $0
- Other
- $0
- Deferred
- $0
- Nontaxable benefits
- $57,717
- Filer's total
- $179,432
-
Krissy Webb
Loan Portfolio Administrative Assistant
- Total calculated
- $79,725
- From this org
- $54,080
- From related orgs
- $0
- Other
- $25,645
- Hours/week
- 40
Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.
Filings
-
2025
- Revenue
- $650,299
- Expenses
- $454,484
- Contributions
- $609,387
- Grants paid
- $0
-
2024
- Revenue
- $122,619
- Expenses
- $206,145
- Contributions
- $94,579
- Grants paid
- $0
-
2023
- Revenue
- $170,463
- Expenses
- $170,463
- Contributions
- $170,463
- Grants paid
- $0
The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.
Grants made
No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.
Grants received
-
2024 PROTECTING NATIVE PLACES
-
$5,500
2024 SMALL DOLLAR LENDING
Other IRS files
Auto-Revocation List
- Exemption revoked 15 May 2022, reinstated 15 May 2022.
Publication 78
Listed as of 13 October 2026, under deductibility PC.
These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.
What this page reflects
The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.