American Reef Coalition Inc

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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

2002

Legal Domicile

Principal Officer

Terry Hunt

Tax Period

2021-01-01 to 2021-12-31

American Reef Coalition Inc, founded in 2002, is a micro nonprofit in the Science & Technology sector that reported $23K in total revenue in fiscal year 2021. Expenses of $45K exceeded revenue, resulting in a 100% operating deficit.

Mission

Protection and conservation of aquatic, natural and wilderness areas through a variety of proven methods and maintaining public access to these ares for conservation, public enjoyment and education.

Program Service Accomplishments

Program 1

Expenses: $24,176

Aquatic Debris Eradication Program:We removed approx. 300 pounds of trash from in and around rivers and lakes with the help of volunteers. We removed over 1,000 pounds of marine debris from ocean...

Aquatic Debris Eradication Program:We removed approx. 300 pounds of trash from in and around rivers and lakes with the help of volunteers. We removed over 1,000 pounds of marine debris from ocean shorelines with the help of volunteers. We posted pictures of our work on social media to encourage the public to get ouside and take a stewardship role in the protection and conservation of nature.

Program 2

Expenses: $16,821

Trail Maintenance Program:We maintained over 20 miles of hiking/OHV trails. Everything from cutting and clearing downed trees to cutting back invasive vegetation and removing boulders that had rolled downhill and blocked trails. We also posted pictures of our work on social media to encourage the public to get outside and take a stewardship roles in the protection and conservation of nature.

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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 (2021)

Revenue Breakdown

Contributions & Grants $20,100

Program Service Revenue $0

Investment Income $0

Other Revenue $2,652

TOTAL REVENUE $22,752

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $40,997

Other Expenses $45,450

TOTAL EXPENSES $45,450

Year-over-Year Comparison

	2021	2020	Change
Revenue	$22,752	$-60,505	-1.4%
Expenses	$45,450	$94,588	-0.5%
Net Income	$-22,698	$-155,093	-0.9%

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

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Garrett McCarey	Board Member	1.00	Director	$0	$0	$0
Chris Drews	Board Member	1.00	Director	$0	$0	$0
Taryn Hunt	Secretary	1.00	Officer Director	$0	$0	$0
Terry Hunt	President	10.00	Officer Director	$0	$0	$0
Jennifer Hunt	Vice PresTreas	2.00	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
2021	$22,752	$45,450	$101,596	$-22,698
2020	$-60,505	$94,588	$124,294	$-155,093
2019	$247,846	$62,540	$302,451	$185,306