SAGINAW COLUMBIAN BUILDING CORP

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1950

Legal Domicile

Phone

9897776111

Tax Period

2025-01-01 to 2025-12-31

SAGINAW COLUMBIAN BUILDING CORP, founded in 1950, is a micro nonprofit that reported $24K in total revenue in fiscal year 2025. Revenue surged 40% from the prior year, signaling strong growth momentum. The organization ran a surplus of $5K, a strong 22% operating margin.

Mission

BENEVOLENT FUNCTION

Program Service Accomplishments

Program 1

Expenses: $18,824

BENEVOLENT FUNCTION; PROPERTY HOLDING COMPANY FOR EXEMPT ORGANIZATION.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $5

Other Revenue $24,142

TOTAL REVENUE $24,147

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,849

Fundraising Expenses $0

Program Expenses $18,824

Other Expenses $16,975

TOTAL EXPENSES $18,824

Year-over-Year Comparison

	2025	2024	Change
Revenue	$24,147	$17,250	+0.4%
Expenses	$18,824	$15,134	+0.2%
Net Income	$5,323	$2,116	+1.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEONICIO DELA CRUZ Sr	PRESIDENT	1.00	Officer	$0	$0	$0
JOSE GUZMAN	TREASURER	3.00	Officer	$0	$0	$0
LARRY MARTINEZ	SECRETARY	1.00	Officer	$0	$0	$0
DEONICIO DELA CRUZ Jr	VICE PRESIDENT	1.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$24,147	$18,824	$193,039	$5,323
2024	$17,250	$15,134	$188,203	$2,116
2023	$5,746	$6,306	$181,174	$-560
2022	$11,635	$6,992	$181,497	$4,643
2021	$4,526	$11,636	$176,687	$-7,110
2020	$-9,874	$12,580	$174,505	$-22,454
2019	$18,418	$16,061	$178,036	$2,357