FAMILIES FORWARD (EIN 421258470) - 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

1986

Legal Domicile

Principal Officer

SUZANNE ZUTTER

Phone

5152449748

Tax Period

2024-07-01 to 2025-06-30

FAMILIES FORWARD, founded in 1986, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2024. Expenses of $2.5M exceeded revenue, resulting in a 20% operating deficit.

Mission

TO PROVIDE COMPASSIONATE, LIFE-CHANGING ASSISTANCE TO FAMILIES AND THEIR PATH OT SELF-SUFFICIENCY. THIS INCLUDES OPERATING HOUSING PROGRAMS FOR HOMELESS FAMILIES WITH CHILDREN AND TO PROVIDE SERVICES TO ASSIST FAMILIES WITH CHILDREN IN ACHIEVING ECONOMIC SELF-SUFFICIENCY.

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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 (2024)

Revenue Breakdown

Contributions & Grants $1,444,386

Program Service Revenue $398,741

Investment Income $213,339

Other Revenue $0

TOTAL REVENUE $2,056,466

Expense Breakdown

Grants Paid $25,898

Salaries & Benefits $1,717,799

Fundraising Expenses $64,084

Program Expenses $2,286,445

Other Expenses $729,964

TOTAL EXPENSES $2,473,661

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,056,466	$2,014,961	+0.0%
Expenses	$2,473,661	$2,163,955	+0.1%
Net Income	$-417,195	$-148,994	+1.8%

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

2188

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

$56,105

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN POTHOVEN MD	PRESIDENT	1.00	Officer Director	$0	$0	$0
KIMBERLY BUSTAMANTE	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
GINA GRAHAM	TREASURER	1.00	Officer Director	$0	$0	$0
PHYLLIS TINKER	PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
SUZANNE ZUTTER	EXECUTIVE DIRECTOR	45.00	Director	$51,490	$4,615	$56,105
JULIA TENTINGER	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN HUGHES	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT PAULSON	DIRECTOR	1.00	Director	$0	$0	$0
ERNEST PHILLIPS	DIRECTOR	1.00	Director	$0	$0	$0
JANELL PITTMAN	DIRECTOR	1.00	Director	$0	$0	$0
MARTHA WARD	DIRECTOR	1.00	Director	$0	$0	$0
NICK ROBY	DIRECTOR	1.00	Director	$0	$0	$0
SUE SMITH	DIRECTOR	1.00	Director	$0	$0	$0
JEFF VAUGHAN	DIRECTOR	1.00	Director	$0	$0	$0
TYLER ARCHER	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT SPEIRS	DIRECTOR	1.00	Director	$0	$0	$0
TIM SHANAHAN	FORMER EXECUTIVE DIRECTOR	45.00		$134,453	$9,899	$144,352

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	$2,056,466	$2,473,661	$4,236,727	$-417,195
2024	$2,014,961	$2,163,955	$4,517,097	$-148,994
2023	$1,012,063	$978,083	$2,287,220	$33,980
2022	$909,310	$894,967	$2,257,226	$14,343
2021	$1,185,329	$833,909	$2,244,954	$351,420
2020	$814,624	$845,870	$1,985,458	$-31,246
2019	$730,969	$814,726	$1,966,767	$-83,757

FAMILIES FORWARD