Ssfcu Charitable Foundation Inc

Nonprofit profile at a glance

EIN
261114329
IRS 990 coverage
2011–2025
Forms available
Form 990 2025
Location
San Antonio, TX, USA
Phone
2104764928
Rating
69
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Fund Raising and Fund Distribution

Reported finances

Revenue
$188,127
Expenses
$205,710
Assets
$257,490
Liabilities
$0

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

6 people listed

Executive titles in this filing

  • JIM LAFFON (PRESIDENT & DIRECTOR)

People named in this filing

  • JIM LAFFON (PRESIDENT & DIRECTOR)
  • JOHN T CODY (DIRECTOR)
  • BRANDY RALSTON-LINT (TREASURER & DIRECTOR)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The mission of ssfcu charitable foundation, inc. Is to further security service federal credit union's core value of community service by providing support to deserving organizations and causes in the credit union's market areas.

What it reported doing in 2025

The foundation held a golf tournament in 2025 which generated $242,750 in sponsorships. The foundation combined these funds with funds raised from the clay shoot and fiesta medal sales and donated a total of $200,560 in sponsorships to the following non-profit organizations: big brothers big sisters, $2,500; bountiful food pantry, $4,000; brighton center, $5,660; care and share, $5,000; children's shelter, $7,280; clarity child guidance center, $2,500; connectability, $2,500; magdalena house, $5,000; meals on wheels, $5,000; moody clinic , $4,820; paws for purple hearts, $5,000; a precious child, $5,000; purple door, $5,000; reclaiming hope, $2,500; reynolds home, $5,000; respite care, $2,500; salvation army of san antonio, $2,500; salvation army, $2,500; safe harbor crisis center, $4,000; snack pak for kids, $5,000; soldiers' angels, $3,000; Utah food bank, $4,300; any baby can, $2,500; assistance league of pueblo, $5,000; backpack society, $5,000; b-cos we care for our community, $5,000; boysville, $2,500; children's hunger fund, $2,500; dove center, $5,000; dress for success, $5,000; el paso villa maria, $5,000; family violence & prevention services, $5,000; food and care coalition, $5,000; golfers fore others, $2,500; goodwill industries of san antonio, $7,500; haven for hope kitchen, $2,500; metro ministries loaves and fishes, $10,000; madonna center, $5,000; new braunfels christian ministries kid club, $2,500; teamability, $2,500; Texas diaper bank, $5,000; thru project, $5,000; vault fostering community, $5,000; women together foundation inc, $7,500; endeavors, $5,000; friends of the davis county children's justice center, $2,500.

Operating model

Revenue model
Donor-supported. 97% of the money available for current operations came from contributions and gifts.
Distribution model
Grant intermediary. The nonprofit sent 100% of its reported program spending out as grants.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. A relatively small share of voting board members are independent and some filing-based governance responses are negative or unanswered.

Rating breakdown

  • Financial Efficiency: 88
  • Transparency & Controls: 92
  • Accountability: 18
  • Sustainability: 40
  • Growth: 20

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 100%; rating input score 100
  • Program expense ratio: 97.5%; rating input score 97
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 0%; rating input score 0; 8th percentile among comparable filings
  • Governance controls: 3 of 7 controls in place; rating input score 43
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Fail
    • Document-retention policy: Fail
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: -9.3%; rating input score 20; 20th percentile among comparable filings
  • Total-asset coverage ratio: 1.25; rating input score 47; 47th percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 77; 77th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 67; 67th percentile among comparable filings

Growth

  • Program expense growth: -1.4% per year; rating input score 0; 24th percentile among comparable filings
  • Revenue growth: -3.8% per year; rating input score 0; 10th percentile among comparable filings
  • Asset growth: 3.6% per year; rating input score 100; 38th percentile among comparable filings

Details

  • Where the money goes: 100% of revenue deployed · 97.5% of spending went to programs
  • Governance: 0 of 5 board members independent · 3 of 7 filing controls reported
  • Programs: 3 filed program accomplishments · $201K in reported program spending
  • Leadership: top reported pay $0 · 6 people listed
  • Consistency: 16 of 16 current checks pass
  • Schedules: 4 filed schedules · includes major donors
  • Filing history: 14 filing years from 2011 to 2025
  • Contacts: How to reach this organization
  • 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.

  • High — Accountability: Independent voting board scored 0/100.
  • Moderate — Accountability: Governance controls: 3 of 6 not reported.
  • High — Growth: Program expense growth scored 0/100.
  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Operating margin scored 20/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 47/100.