SAN JOAQUIN MEDICAL SCHOLARSHIP LOAN FUND (EIN 946109113) - 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

1962

Legal Domicile

Phone

2099525299

Tax Period

2024-04-01 to 2025-03-31

SAN JOAQUIN MEDICAL SCHOLARSHIP LOAN FUND, founded in 1962, is a micro nonprofit that reported $91K in total revenue in fiscal year 2024. Revenue surged 101% from the prior year, signaling strong growth momentum. The organization ran a surplus of $28K, a strong 31% operating margin.

Mission

SCHOLARSHIP LOANS TO MEDICAL STUDENTS

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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 $20,240

Program Service Revenue $14,379

Investment Income $55,907

Other Revenue $0

TOTAL REVENUE $90,526

Expense Breakdown

Grants Paid $16,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $62,247

Other Expenses $46,247

TOTAL EXPENSES $62,247

Year-over-Year Comparison

	2024	2023	Change
Revenue	$90,526	$45,123	+1.0%
Expenses	$62,247	$44,617	+0.4%
Net Income	$28,279	$506	+54.9%

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
ERIC CHAPA	BOARD MEMBER	1.00	Director	$0	$0	$0
ERICA WATERS	Director	1.00	Director	$0	$0	$0
ELIZABETH GRADY	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JANWYN FUNAMURA	BOARD MEMBER	1.00	Director	$0	$0	$0
GREGG JONGEWARD	Director	1.00	Director	$0	$0	$0
ALEXANDER FODOR	BOARD MEMBER	1.00	Director	$0	$0	$0
MATTHEW WETSTEIN	Director	1.00	Director	$0	$0	$0
CAROLINE ANDERSON	CFO	1.00	Officer Director	$0	$0	$0
LISA LUCCHESI	Secretary	1.00	Officer 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	$90,526	$62,247	$1,099,039	$28,279
2024	$45,123	$44,617	$1,069,864	$506
2023	$26,424	$45,284	$1,069,358	$-18,860
2022	$106,133	$45,053	$1,088,218	$61,080
2021	$147,291	$41,413	$1,027,138	$105,878
2020	$22,072	$49,108	$921,261	$-27,036
2019	$23,943	$43,157	$948,297	$-19,214

SAN JOAQUIN MEDICAL SCHOLARSHIP LOAN FUND