BAY AREA COMMUNITY 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

1982

Legal Domicile

Principal Officer

SHAWNA WALRAVEN

Phone

9898934438

Tax Period

2025-01-01 to 2025-12-31

BAY AREA COMMUNITY FOUNDATION, founded in 1982, is a community nonprofit in the Philanthropy & Grantmaking sector that reported $7.3M in total revenue in fiscal year 2025. Revenue surged 30% from the prior year, signaling strong growth momentum. The organization ran a surplus of $3.9M, a strong 54% operating margin.

Mission

THE MISSION OF BACF IS TO FULFILL A WIDE ARRAY OF DONORS' CHARITABLE WISHES THROUGHOUT BAY AND ARENAC COUNTIES (MICHIGAN) BY BUILDING PERMANENT ENDOWMENT FUNDS AND SERVING AS A LEADER FOR COMMUNITY IMPROVEMENT THROUGH EFFECTIVE GRANTMAKING AND COLLABORATION.

Program Service Accomplishments

Program 1

Expenses: $2,125,096 Revenue: $2,294

THE FOUNDATION PROVIDES GRANTS TO 501(C) (3) NONPROFIT ORGANIZATIONS, MUNICIPALITIES, AND EDUCATIONAL INSTITUTIONS. IN 2025, 308 GRANTS WERE AWARDED IN THE AREAS OF ARTS & CULTURE, COMMUNITY...

THE FOUNDATION PROVIDES GRANTS TO 501(C) (3) NONPROFIT ORGANIZATIONS, MUNICIPALITIES, AND EDUCATIONAL INSTITUTIONS. IN 2025, 308 GRANTS WERE AWARDED IN THE AREAS OF ARTS & CULTURE, COMMUNITY DEVELOPMENT, EDUCATION, ENVIRONMENT, HEALTH & HUMAN SERVICES, RECREATION AND YOUTH ACTIVITIES

Program 2

Expenses: $522,548

DURING THE YEAR THE FOUNDATION AWARDED 413 SCHOLARSHIPS TO 265 RECIPIENTS TO FURTHER THEIR EDUCATION AND TRAINING

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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 $1,870,335

Program Service Revenue $0

Investment Income $5,308,467

Other Revenue $94,504

TOTAL REVENUE $7,273,306

Expense Breakdown

Grants Paid $2,145,226

Salaries & Benefits $607,478

Fundraising Expenses $84,744

Program Expenses $2,647,644

Other Expenses $611,029

TOTAL EXPENSES $3,363,733

Year-over-Year Comparison

	2025	2024	Change
Revenue	$7,273,306	$5,585,517	+0.3%
Expenses	$3,363,733	$3,077,345	+0.1%
Net Income	$3,909,573	$2,508,172	+0.6%

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

291

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

$127,495

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIELLE KRUPP	CHAIR	1.00	Officer Director	$0	$0	$0
ANDY DWAN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
TRISH BURNS	SECRETARY	1.00	Officer Director	$0	$0	$0
LAURA EBEL	TREASURER	1.00	Officer Director	$0	$0	$0
CARTER LIJEWSKI	TRUSTEE THRU 5/25	1.00	Director	$0	$0	$0
DAROLD NEWTON	TRUSTEE THRU 5/25	1.00	Director	$0	$0	$0
DIANE M MORLEY	TRUSTEE	1.00	Director	$0	$0	$0
GRETCHEN WAGNER	TRUSTEE	1.00	Director	$0	$0	$0
GUY MOULTHROP	TRUSTEE	1.00	Director	$0	$0	$0
IAN ANDERSON	TRUSTEE AS OF 5/25	1.00	Director	$0	$0	$0
JENNIFER WILLIAMS	TRUSTEE	1.00	Director	$0	$0	$0
KAREN TIGHE	TRUSTEE THRU 5/25	1.00	Director	$0	$0	$0
LINDSAY STEVENS EGGERS	TRUSTEE	1.00	Director	$0	$0	$0
MARIE FOX	TRUSTEE AS OF 5/25	1.00	Director	$0	$0	$0
MATT SCHMIDT	TRUSTEE	1.00	Director	$0	$0	$0
MATT TRAVIS	TRUSTEE	1.00	Director	$0	$0	$0
MAX HOLMAN	TRUSTEE	1.00	Director	$0	$0	$0
MICHAEL GAVIN	TRUSTEE	1.00	Director	$0	$0	$0
MICHAEL MIRTO	TRUSTEE AS OF 5/25	1.00	Director	$0	$0	$0
PASTOR PHILLIP JOHNSON	TRUSTEE AS OF 5/25	1.00	Director	$0	$0	$0
RENEE GOUGEON GURSKI	TRUSTEE	1.00	Director	$0	$0	$0
TIFFANY TORAIN	TRUSTEE	1.00	Director	$0	$0	$0
TODD CLEMENTS	TRUSTEE	1.00	Director	$0	$0	$0
SHAWNA WALRAVEN	PRESIDENT & CEO	48.00	Officer	$112,776	$14,719	$127,495

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	$7,273,306	$3,363,733	$70,880,384	$3,909,573
2024	No data	No data	No data	No data
2023	$3,886,280	$3,353,954	$56,722,054	$532,326
2022	$5,645,663	$3,763,581	$49,136,215	$1,882,082
2021	$6,027,700	$2,930,507	$58,071,284	$3,097,193
2020	$3,022,719	$3,182,198	$51,694,114	$-159,479
2019	$2,874,804	$3,234,029	$46,317,033	$-359,225
2018	$7,177,980	$2,606,830	$40,417,129	$4,571,150