LIFE & FAMILY EDUCATIONAL TRUST

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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

Principal Officer

ELEZA MILLER

Phone

5633320475

Tax Period

2025-01-01 to 2025-12-31

LIFE & FAMILY EDUCATIONAL TRUST, founded in 2002, is a small nonprofit in the Human Services sector that reported $907K in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $238K, a strong 26% operating margin.

Mission

LIFE & FAMILY OPERATES THE WOMEN'S CHOICE CENTER WHICH IS A PREGNANCY HELP CLINIC THAT PROVIDES FREE MEDICAL AND COUNSELING SERVICES FOR WOMEN WHO ARE PREGNANT AND THEIR FAMILIES.

Program Service Accomplishments

Program 1

Expenses: $669,006

INSTRUCTING YOUNG PEOPLE THROUGH CLASSROOMS, COMMUNITY SETTINGS, WORD OF MOUTH, AND BROCHURES REGARDING SEXUALLY TRANSMITTED DISEASES, ABORTION, ADOPTION, AND ABSTINENCE.

Program 2

MEDICAL AND COUSELING SERVICES PROVIDED TO WOMEN IN CRISIS PREGNANCY. THIS INCLUDES PRENATAL, CHILDBEARING, AND PARENTING EDUCATION.

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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 $812,354

Program Service Revenue $0

Investment Income $28,534

Other Revenue $66,000

TOTAL REVENUE $906,888

Expense Breakdown

Grants Paid $0

Salaries & Benefits $385,343

Fundraising Expenses $0

Program Expenses $669,006

Other Expenses $283,663

TOTAL EXPENSES $669,006

Year-over-Year Comparison

	2025	2024	Change
Revenue	$906,888	$786,923	+0.2%
Expenses	$669,006	$609,639	+0.1%
Net Income	$237,882	$177,284	+0.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARGY HENDERSHOTT	TRUSTEE	0.50	Director	$0	$0	$0
CHRIS JOHNSON	TRUSTEE	2.50	Director	$0	$0	$0
CHRISTINA KIRIK	TRUSTEE	2.50	Director	$0	$0	$0
CHRIS KOEPERICH	TRUSTEE	2.50	Director	$0	$0	$0
TED PAPPAS	TREASURER	3.00	Director	$0	$0	$0
CLARK STOJAN	TRUSTEE	2.50	Director	$0	$0	$0
DEBORAH MCAFOOS	SECRETARY	2.50	Officer	$0	$0	$0
ELEZA MILLER	PRESIDENT	2.50	Officer	$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	$906,888	$669,006	$1,788,620	$237,882
2024	$786,923	$609,639	$1,595,020	$177,284
2023	$689,180	$551,065	$1,655,433	$138,115
2022	$748,696	$619,812	$1,487,775	$128,884
2021	$704,728	$828,511	$1,406,065	$-123,783
2020	$543,796	$655,584	$1,564,659	$-111,788
2019	$615,539	$682,717	$1,689,271	$-67,178
2018	$633,317	$850,489	$1,786,341	$-217,172