SOUTHWESTERN JUNIOR FOUNDATION

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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

1997

Legal Domicile

Principal Officer

SHELLY RAMING

Phone

8582327725

Tax Period

2025-01-01 to 2025-12-31

SOUTHWESTERN JUNIOR FOUNDATION, founded in 1997, is a micro nonprofit in the Recreation & Sports sector that reported $28K in total revenue in fiscal year 2025. Revenue surged 28% from the prior year, signaling strong growth momentum. Expenses of $38K exceeded revenue, resulting in a 36% operating deficit.

Mission

The goal of the Southwestern Junior Foundation is to extend sailing and angler experiences to the youth of San Diego County who are in need of financial assistance.

Program Service Accomplishments

Program 1

Expenses: $36,781

The purpose of the Southwestern Junior Foundation is to provide financial assistance in support of Corinthian Yachting, as a sport and recreation for the children of the City and County of San Diego. The Southwestern Junior Foundation scholarships enable participation in the SWYC Junior Program and other boating programs. Program activities include sailing, fishing, kayaking, and water safety instruction.

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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 $7,655

Program Service Revenue $0

Investment Income $28

Other Revenue $20,431

TOTAL REVENUE $28,114

Expense Breakdown

Grants Paid $25,956

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $36,781

Other Expenses $12,182

TOTAL EXPENSES $38,138

Year-over-Year Comparison

	2025	2024	Change
Revenue	$28,114	$21,920	+0.3%
Expenses	$38,138	$24,972	+0.5%
Net Income	$-10,024	$-3,052	+2.3%

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

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
Jason Saiz	Executive Director	002.00	Officer Director	$0	$0	$0
Shelly Raming	Treasurer	002.00	Officer Director	$0	$0	$0
Brian Fritzges	Director	002.00	Director	$0	$0	$0
Miguel Martinez	Director	002.00	Director	$0	$0	$0
John Quincy Goodrich IV	Secretary	002.00	Officer Director	$0	$0	$0
Natalie Mingra	Director	002.00	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
2025	$28,114	$38,138	$58,970	$-10,024
2024	$21,920	$24,972	$68,994	$-3,052
2023	$41,122	$34,834	$72,046	$6,288