MCCORMICK-SMITH FUND INC ATTN LARRY SMITH (EIN 581986697) - 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

1991

Legal Domicile

Principal Officer

LAWRENCE D SMITH

Phone

5123470420

Tax Period

2025-01-01 to 2025-12-31

MCCORMICK-SMITH FUND INC ATTN LARRY SMITH, founded in 1991, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $174K in total revenue in fiscal year 2025. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $57K, a strong 33% operating margin.

Mission

TO PROVIDE OPERATING CASH FOR CERTAIN LOCAL CHARITIES AND NON-PROFITS.

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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 $0

Program Service Revenue $0

Investment Income $173,579

Other Revenue $299

TOTAL REVENUE $173,878

Expense Breakdown

Grants Paid $100,800

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $100,800

Other Expenses $15,878

TOTAL EXPENSES $116,678

Year-over-Year Comparison

	2025	2024	Change
Revenue	$173,878	$192,339	-0.1%
Expenses	$116,678	$108,129	+0.1%
Net Income	$57,200	$84,210	-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

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
DR RICK BREWER	Director	0.00	Director	$0	$0	$0
REV DEBORAH HEATHCOCK	Director	0.00	Director	$0	$0	$0
CATHERINE PEARS	Director	0.00	Director	$0	$0	$0
H BRENNER SADLER	ASST SEC/TREAS	0.00	Director	$0	$0	$0
LAWRENCE D SMITH	Sec/TREASURER	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	$173,878	$116,678	$2,165,841	$57,200
2024	$192,339	$108,129	$2,018,086	$84,210
2023	$91,808	$99,355	$1,868,329	$-7,547
2022	$114,825	$117,441	$1,679,602	$-2,616
2021	$208,028	$110,977	$1,682,594	$97,051
2020	$115,802	$102,394	$1,832,267	$13,408
2019	$100,205	$92,720	$1,806,764	$7,485
2018	$117,529	$100,136	$1,594,280	$17,393

MCCORMICK-SMITH FUND INC ATTN LARRY SMITH