Saginaw Community Foundation
Nonprofit profile at a glance
- EIN
- 382474297
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025
- Location
- Saginaw, MI, USA
- Phone
- 9897550545
- Rating
- 87
- Verdict
- STRONG
- Rating confidence
- Standard
- Sector
- Community Foundations
Reported finances
- Revenue
- $13,548,875
- Expenses
- $10,269,339
- Assets
- $114,726,847
- Liabilities
- $732,897
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
22 people listed
Executive titles in this filing
- Renee Johnston (President & CEO)
Highest reported compensation
- Renee Johnston (President & CEO): $188,887 total reported compensation
- Eric Rutheford (COO): $130,319 total reported compensation
- Lori TenEyck (Director of Finance): $108,514 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To fulfill donor wishes and enable community initiatives to come to life, now and forever.
What it reported doing in 2025
The Foundation is a grantmaker, philanthropic vehicle, community leader, and volunteer organization. As a grantmaking organization, SCF is able to assist charitable agencies and activities that provide specific and necessary services in our community. As a philanthropic vehicle, the Foundation works with any and all individuals who want a means of giving back to the community in a broad or specific way. As a leader in the community, the Foundation works with organizations, such as the United Way of Saginaw County, to conduct community surveys. As a volunteer organization, SCF gathers diverse groups of people to assist with various Foundation efforts.
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- Distribution model
- Hybrid. The nonprofit split its reported program spending across 56% for direct work, and 44% for grants.
- Includes noncash contributions: Reported contributions include donated property or goods.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Fundraising costs are high for each dollar raised and some filing-based governance responses are negative or unanswered.
Rating breakdown
- Financial Efficiency: 90
- Transparency & Controls: 78
- Accountability: 92
- Sustainability: 81
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 100%; rating input score 100
- Program expense ratio: 87.4%; rating input score 87
- Fundraising efficiency: $16.52 raised per $1 spent on fundraising; rating input score 48; 48th percentile among comparable filings
Transparency & Controls
- Consistency checks: 93.8%; rating input score 94; 19th percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Missing
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 85.7%; rating input score 86; 25th percentile among comparable filings
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 95%; rating input score 95; 24th percentile among comparable filings
- Governance controls: 8 of 9 controls in place; rating input score 89
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 24.2%; rating input score 80; 80th percentile among comparable filings
- Total-asset coverage ratio: 11.17; rating input score 86; 86th percentile among comparable filings
- Liabilities to assets ratio: 0.01; rating input score 90; 90th percentile among comparable filings
- Officer compensation ratio: 4.2%; rating input score 63; 63rd percentile among comparable filings
Growth
- Program expense growth: 8% per year; rating input score 100; 57th percentile among comparable filings
- Revenue growth: 4.8% per year; rating input score 100; 39th percentile among comparable filings
- Asset growth: 7% per year; rating input score 100; 50th percentile among comparable filings
Details
- Where the money goes: 100% of revenue deployed · 87.4% of spending went to programs
- Governance: 19 of 20 board members independent · 8 of 9 filing controls reported
- Programs: 1 filed program accomplishment · $9M in reported program spending
- Leadership: top reported pay $189K · 22 people listed · 2 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $2.3M reported
- Consistency: 34 of 36 current checks pass · 2 findings to review
- Schedules: 9 filed schedules · includes major donors, grants, and executive pay
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 96 filed money-flow records
- Related organizations: 94 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Financial Efficiency: Fundraising efficiency scored 48/100.
- Review — Accountability: Governance controls: Form 990 shared with the board not reported.
- Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.