AMERICAN MILITARY FAMILY INC (EIN 202123864) - 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

2005

Legal Domicile

Principal Officer

DEBORAH MCELHINNEY

Phone

3037468195

Tax Period

2025-01-01 to 2025-12-31

AMERICAN MILITARY FAMILY INC, founded in 2005, is a small nonprofit in the Public & Societal Benefit sector that reported $470K in total revenue in fiscal year 2025. The organization ran a surplus of $106K, a strong 23% operating margin.

Mission

AMERICAN MILITARY FAMILY (AMF) PROVIDES VETERANS AND THEIR FAMILIES WITH ASSISTANCE, WHETHER IT BE EMOTIONAL, PHYSICAL, MENTAL, OR FINANICAL, FOR THEIR MISSING, SUICIDAL, DISPLACED OR STRUGGLING HERO.

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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 (2025)

Revenue Breakdown

Contributions & Grants $485,110

Program Service Revenue $0

Investment Income $1,185

Other Revenue $-16,598

TOTAL REVENUE $469,697

Expense Breakdown

Grants Paid $0

Salaries & Benefits $131,942

Fundraising Expenses $4,025

Program Expenses $335,013

Other Expenses $231,763

TOTAL EXPENSES $363,705

Year-over-Year Comparison

	2025	2024	Change
Revenue	$469,697	$493,976	0.0%
Expenses	$363,705	$375,489	0.0%
Net Income	$105,992	$118,487	-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

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

$122,488

Total Directors

$54,856

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBORAH MCELHINNEY	FOUNDER/CEO	40.00	Officer	$67,632	$0	$67,632
KIM KENDLE	PRESIDENT	1.00	Officer Director	$0	$0	$0
MICHELLE BENAVIDEZ	PRESIDENT	1.00	Officer Director	$0	$0	$0
ROSE RAMIREZ	TREASURER	40.00	Officer Director	$54,856	$0	$54,856
MERRY WOODWORTH	SECRETARY	1.00	Officer Director	$0	$0	$0
GREG WATSON	MEMBER AT LA	1.00	Director	$0	$0	$0
DEBBYE SKINNER	MEMBER AT LA	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
2025	$469,697	$363,705	$644,432	$105,992
2024	$493,976	$375,489	$547,093	$118,487
2023	$356,980	$359,762	$499,411	$-2,782
2022	$441,927	$373,258	$505,124	$68,669
2021	$360,763	$310,596	$440,126	$50,167
2020	$231,013	$263,048	$394,456	$-32,035

AMERICAN MILITARY FAMILY INC