FERMANIAN FAMILY FOUNDATION (EIN 911906582) - 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

1998

Legal Domicile

Principal Officer

GEORGE FERMANIAN

Phone

8582458860

Tax Period

2025-01-01 to 2025-12-31

FERMANIAN FAMILY FOUNDATION, founded in 1998, is a small nonprofit that reported $338K in total revenue in fiscal year 2025. Revenue decreased 11% compared to the prior year. Expenses of $1.5M exceeded revenue, resulting in a 335% operating deficit.

Mission

TO CARRY OUT AND SUPPORT CHARITABLE, EDUCATIONAL & RELIGIOUS PURPOSES UNDER IRC 501(C)(3) & TO SUPPORT & OPERATE FOR THE BENEFIT OF THE SAN DIEGO FOUNDATION.

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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 $338,144

Other Revenue $0

TOTAL REVENUE $338,144

Expense Breakdown

Grants Paid $1,466,241

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,466,241

Other Expenses $5,262

TOTAL EXPENSES $1,471,503

Year-over-Year Comparison

	2025	2024	Change
Revenue	$338,144	$381,849	-0.1%
Expenses	$1,471,503	$1,453,594	+0.0%
Net Income	$-1,133,359	$-1,071,745	+0.1%

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
BRUCE MC CULLOUGH	CLASS B TRUSTEE	0.00	Director	$0	$0	$0
GEORGE FERMANIAN	CLASS A TRUSTEE	10.00	Director	$0	$0	$0
BERNADINE G FERMANIAN	CLASS A TRUSTEE	10.00	Director	$0	$0	$0
JAMES HOWELL	CLASS B TRUSTEE	0.00	Director	$0	$0	$0
ROBERT SNEAD	CLASS B TRUSTEE	0.00	Director	$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	$338,144	$1,471,503	$6,119,827	$-1,133,359
2024	$381,849	$1,453,594	$7,253,186	$-1,071,745
2023	$430,422	$1,368,136	$8,324,931	$-937,714
2022	$445,745	$1,531,474	$9,261,831	$-1,085,729
2021	$2,936,109	$2,278,818	$10,347,640	$657,291
2020	$436,082	$392,016	$9,690,440	$44,066
2019	$560,792	$535,295	$9,646,771	$25,497
2018	$549,059	$222,765	$9,621,274	$326,294

FERMANIAN FAMILY FOUNDATION