SSFCU CHARITABLE FOUNDATION INC (EIN 261114329) - Form 990 Financial Analysis & Trantor Score

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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

2008

Legal Domicile

Principal Officer

BRANDY RALSTON-LINT

Phone

2104764928

Tax Period

2023-01-01 to 2023-12-31

SSFCU CHARITABLE FOUNDATION INC, founded in 2008, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $216K in total revenue in fiscal year 2023. Revenue surged 26% from the prior year, signaling strong growth momentum. The organization ran a surplus of $54K, a strong 25% operating margin.

Mission

THE MISSION OF SSFCU CHARITABLE FOUNDATION, INC. IS TO FURTHER SECURITY SERVICE FEDERAL CREDIT UNION'S CORE VALUE OF COMMUNITY SERVICE BY PROVIDING SUPPORT TO DESERVING ORGANIZATIONS AND CAUSES IN THE CREDIT UNION'S MARKET AREAS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $19,944

Program Service Revenue $0

Investment Income $5

Other Revenue $196,373

TOTAL REVENUE $216,322

Expense Breakdown

Grants Paid $153,200

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $153,200

Other Expenses $8,648

TOTAL EXPENSES $161,848

Year-over-Year Comparison

	2023	2022	Change
Revenue	$216,322	$171,919	+0.3%
Expenses	$161,848	$154,649	+0.0%
Net Income	$54,474	$17,270	+2.2%

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

N/A

Employees

N/A

Volunteers

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
JIM LAFFOON	PRESIDENT & DIRECTOR	0.15	Officer Director	$0	$0	$0
JOHN T CODY	DIRECTOR	0.15	Director	$0	$0	$0
BRANDY RALSTON-LINT	TREASURER & DIRECTOR	0.15	Officer Director	$0	$0	$0
MICHAEL CUBETA	SECRETARY & DIRECTOR	0.15	Officer Director	$0	$0	$0
CHARLES GOSS	DIRECTOR	0.15	Director	$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
2024	No data	No data	No data	No data
2023	$216,322	$161,848	$234,238	$54,474
2022	$171,919	$154,649	$186,302	$17,270
2021	$85,454	$130,546	$161,532	$-45,092
2020	$66,265	$116,755	$206,624	$-50,490
2019	$188,899	$199,224	$257,114	$-10,325
2018	$191,790	$159,851	$267,439	$31,939

SSFCU CHARITABLE FOUNDATION INC