Scholarship Foundation of St Joseph County (EIN 356042497) - 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

1961

Legal Domicile

Phone

5742590522

Tax Period

2024-07-01 to 2025-06-30

Scholarship Foundation of St Joseph County, founded in 1961, is a small nonprofit in the Education sector that reported $405K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $573K exceeded revenue, resulting in a 42% operating deficit.

Mission

College Scholarshiips & Mentoring

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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 (2024)

Revenue Breakdown

Contributions & Grants $211,612

Program Service Revenue $4,357

Investment Income $188,751

Other Revenue $0

TOTAL REVENUE $404,720

Expense Breakdown

Grants Paid $379,700

Salaries & Benefits $95,212

Fundraising Expenses $0

Program Expenses $573,284

Other Expenses $98,372

TOTAL EXPENSES $573,284

Year-over-Year Comparison

	2024	2023	Change
Revenue	$404,720	$368,970	+0.1%
Expenses	$573,284	$498,931	+0.1%
Net Income	$-168,564	$-129,961	+0.3%

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

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
Amy Patterson	VP Programs	0.00	Officer Director	$0	$0	$0
John Yarger	President	0.00	Officer Director	$0	$0	$0
Jacqueline Rico	President Elect	0.00	Officer Director	$0	$0	$0
Christine A Lauber	Treasurer	0.00	Officer Director	$0	$0	$0
Paula Miller	Assistant Secretary	0.00	Officer Director	$0	$0	$0
Bob Roundtree	Assistant Treasurer	0.00	Officer Director	$0	$0	$0
Laura Hyde	Secretary	0.00	Officer Director	$0	$0	$0
Alex Bauer	VP Mentoring	0.00	Officer Director	$0	$0	$0
Cindy Crawford	Administrator	30.00	Key Emp	$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	$404,720	$573,284	$10,161,674	$-168,564
2024	$368,970	$498,931	$9,442,188	$-129,961
2023	$489,651	$459,205	$8,513,796	$30,446
2022	$413,266	$437,837	$7,700,076	$-24,571
2021	$297,223	$409,789	$8,984,200	$-112,566
2020	$693,863	$468,733	$7,001,848	$225,130
2019	$1,073,617	$456,313	$6,779,385	$617,304

Scholarship Foundation of St Joseph County