AMERICA'S FAMILY HEALTH & WELFARE FUND (EIN 160840561) - 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

1985

Legal Domicile

Principal Officer

WILLIAM OCHOCINSKI

Phone

7166312210

Tax Period

2023-01-01 to 2023-12-31

AMERICA'S FAMILY HEALTH & WELFARE FUND, founded in 1985, is a community nonprofit that reported $3.7M in total revenue in fiscal year 2023. Expenses of $3.5M left a modest 6% surplus.

Mission

PROVIDING WELFARE BENEFITS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,675,487

Investment Income $71,772

Other Revenue $457

TOTAL REVENUE $3,747,716

Expense Breakdown

Grants Paid $0

Salaries & Benefits $105,870

Fundraising Expenses $0

Program Expenses $3,229,963

Other Expenses $194,024

TOTAL EXPENSES $3,529,857

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,747,716	$3,859,374	0.0%
Expenses	$3,529,857	$3,655,882	0.0%
Net Income	$217,859	$203,492	+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

$323,482

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EDWARD PENKALSKI	TRUSTEE (TO APR 2023)	5.00	Director	$0	$0	$0
ROBERT LAUGHLIN	TRUSTEE	5.00	Director	$0	$0	$0
STEVE CAPPELLINO	TRUSTEE	5.00	Director	$0	$0	$0
GORDAN FLETCHER	TRUSTEE	5.00	Director	$0	$0	$0
WILLIAM OCHOCINSKI	PLAN ADMIN./SEC.	14.00	Officer	$0	$11,971	$220,068
MICHELLE OCHOCINSKI	ASST. ADMIN.	14.00	Officer	$0	$10,023	$103,414

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	No data	No data	No data	No data
2023	$3,747,716	$3,529,857	$2,572,559	$217,859
2022	$3,859,374	$3,655,882	$2,264,752	$203,492
2021	$3,961,923	$3,740,661	$2,371,932	$221,262
2020	$4,028,100	$3,889,838	$2,033,490	$138,262
2019	$4,261,064	$3,558,617	$1,815,995	$702,447
2018	$4,398,989	$3,388,143	$1,063,927	$1,010,846

AMERICA'S FAMILY HEALTH & WELFARE FUND