HEROES RELIEF FUND

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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

2025

Legal Domicile

Principal Officer

JOSHUA W SMITH

Phone

4694693818

Tax Period

2025-01-01 to 2025-12-31

HEROES RELIEF FUND, founded in 2025, is a micro nonprofit that reported $451 in total revenue in fiscal year 2025. Expenses of $1K exceeded revenue, resulting in a 182% operating deficit.

Mission

The organizations mission is to provide financial assistance and insurance-related support to U.S. military veterans and surviving spouses. Organization raises funds to assist eligible recipients with insurance premiums, deductibles, and other insurance-related financial burdens

Program Service Accomplishments

Program 1

Expenses: $1,273 Revenue: $451

The organization was formed to assist U.S. military veterans and surviving spouses with insurance-related financial burdens. During its intial year, the organization established its charitable...

The organization was formed to assist U.S. military veterans and surviving spouses with insurance-related financial burdens. During its intial year, the organization established its charitable programs (Premium Assistance Program and Deductible Relief Program), raised contributions, developed outreach efforts, and prepared to provide assistance for insurance premiums and deductibles to eligible recipients.

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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 $451

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $451

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,273

Other Expenses $1,273

TOTAL EXPENSES $1,273

Year-over-Year Comparison

	2025	2024	Change
Revenue	$451	N/A	N/A
Expenses	$1,273	N/A	N/A
Net Income	$-822	N/A	N/A

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

N/A

Independent Members

N/A

Employees

N/A

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	Role	Reportable Comp	Other Comp	Total
NICK J DELSIGNORE	DIRECTOR 2	Director	$0	$0	$0
ZACHARY R REDDICK	DIRECTOR 3	Director	$0	$0	$0
JOSHUA W SMITH	DIRECTOR 1	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	$451	$1,273	$451	$-822