Smart & Final Charitable 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

2001

Legal Domicile

Principal Officer

Eugene Smith

Phone

3238697506

Tax Period

2024-01-01 to 2024-12-31

Smart & Final Charitable Foundation, founded in 2001, is a community nonprofit in the Public Safety sector that reported $4.1M in total revenue in fiscal year 2024. Revenue surged 139% from the prior year, signaling strong growth momentum. The organization ran a surplus of $2.3M, a strong 57% operating margin.

Mission

The Smart & Final Charitable Foundation is committed to giving back, improving quality of life, and nourishing the communities we serve. We focus our giving on Health & Wellness, Education, Hunger Relief, Team Sports & Youth Development, and Disaster Relief.

Program Service Accomplishments

Program 1

Expenses: $1,554,510

The organization made grants to community organizations, such as food banks, youth sports organizations, programs for at-risk youth, health and nutrition programs, educational programs and...

The organization made grants to community organizations, such as food banks, youth sports organizations, programs for at-risk youth, health and nutrition programs, educational programs and institutions, community development activities, emergency and disaster relief, and other organizations that are tax exempt from federal income tax under Section 501(c)(3) of the Internal Revenue Code.

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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 $4,073,580

Program Service Revenue $0

Investment Income $47,707

Other Revenue $-35,922

TOTAL REVENUE $4,085,365

Expense Breakdown

Grants Paid $1,410,915

Salaries & Benefits $0

Fundraising Expenses $37,324

Program Expenses $1,554,510

Other Expenses $358,567

TOTAL EXPENSES $1,769,482

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,085,365	$1,706,853	+1.4%
Expenses	$1,769,482	$1,349,702	+0.3%
Net Income	$2,315,883	$357,151	+5.5%

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

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
Suzanne Mullins	President & Chairman	1.00	Officer Director	$0	$0	$0
Eugene M Smith Treasurer	Principal Financial Officer	1.00	Officer Director	$0	$0	$0
Joe Angulo	Director	1.00	Director	$0	$0	$0
Sean Mahony	Director	1.00	Director	$0	$0	$0
Matt Reeve	Director	1.00	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
2024	$4,085,365	$1,769,482	$4,699,600	$2,315,883
2023	$1,706,853	$1,349,702	$2,310,282	$357,151
2022	$1,316,079	$991,944	$1,938,770	$324,135
2021	$1,263,782	$891,655	$1,641,523	$372,127
2020	$637,552	$933,978	$861,795	$-296,426
2019	$1,044,671	$1,185,734	$1,054,531	$-141,063
2018	$1,812,406	$1,625,049	$1,168,349	$187,357