CATHOLIC FOUNDATION OF SOUTHWESTERN MICH (EIN 452755858) - 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

2011

Legal Domicile

Principal Officer

TAMMI WACHTERHAUSER

Phone

2693498714

Tax Period

2024-07-01 to 2025-06-30

CATHOLIC FOUNDATION OF SOUTHWESTERN MICH, founded in 2011, is a community nonprofit that reported $3.1M in total revenue in fiscal year 2024. The organization ran a surplus of $3.1M, a strong 97% operating margin.

Mission

HOLD FUNDS FOR FURTHERING THE CHARITABLE, EDUCATIONAL, AND SOCIAL SERVICES OF THE CATHOLIC CHURCH OF THE DIOCESE OF KALAMAZOO, MI.

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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 $2,723,771

Program Service Revenue $0

Investment Income $416,342

Other Revenue $0

TOTAL REVENUE $3,140,113

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $5,417

Other Expenses $81,574

TOTAL EXPENSES $81,574

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,140,113	$3,274,321	0.0%
Expenses	$81,574	$107,080	-0.2%
Net Income	$3,058,539	$3,167,241	0.0%

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

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
MSGR THOMAS MARTIN	DIRECTOR	1.00	Director	$0	$0	$0
TIM HARDING	DIRECTOR	1.00	Director	$0	$0	$0
THERESA CYPHER	DIRECTOR	2.00	Director	$0	$0	$0
IAN KENNEDY	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL WILLIS	DIRECTOR	2.00	Director	$0	$0	$0
KEITH THARP	DIRECTOR	40.00	Director	$0	$0	$0
MATT KAVANAUGH	DIRECTOR	1.00	Director	$0	$0	$0
JACK JOSWICK	DIRECTOR	1.00	Director	$0	$0	$0
FR FABIO GARZON	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
TAMMI WACHTERHAUSER	TREASURER	1.00	Officer Director	$0	$0	$0
SHERRY GESMUNDO	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
BISHOP EDWARD M LOHSE	PRESIDENT	1.00	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	$3,140,113	$81,574	$24,659,043	$3,058,539
2024	$3,274,321	$107,080	$18,620,378	$3,167,241
2023	$1,999,848	$42,565	$13,672,510	$1,957,283
2022	$5,891,859	$46,990	$10,076,615	$5,844,869
2021	$1,419,772	$183,451	$4,284,892	$1,236,321
2020	$191,748	$327,254	$8,765,165	$-135,506
2019	$474,224	$270,489	$10,510,909	$203,735
2018	$428,308	$69,635	$9,928,713	$358,673

CATHOLIC FOUNDATION OF SOUTHWESTERN MICH