America's Family Coaches Inc (EIN 421430081) - 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

1994

Legal Domicile

Principal Officer

Gary R Rosberg

Phone

5153143145

Tax Period

2025-01-01 to 2025-12-31

America's Family Coaches Inc, founded in 1994, is a small nonprofit in the Religion sector that reported $121K in total revenue in fiscal year 2025. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $194K exceeded revenue, resulting in a 61% operating deficit.

Mission

Marriage and family education and enrichment to strengthen relationships

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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 $117,552

Program Service Revenue $0

Investment Income $0

Other Revenue $3,169

TOTAL REVENUE $120,721

Expense Breakdown

Grants Paid $0

Salaries & Benefits $136,017

Fundraising Expenses $60,687

Program Expenses $107,347

Other Expenses $58,161

TOTAL EXPENSES $194,178

Year-over-Year Comparison

	2025	2024	Change
Revenue	$120,721	$160,987	-0.3%
Expenses	$194,178	$194,252	0.0%
Net Income	$-73,457	$-33,265	+1.2%

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

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

$79,351

Total Directors

$79,351

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gary R Rosberg	President, CEO	40.00	Officer Director	$66,126	$0	$66,126
Barb Rosberg	Sr Executive VP	20.00	Officer Director	$13,225	$0	$13,225
Gerald R Foster	Chairman	5.00	Director	$0	$0	$0
Steven Durick	Secretary	5.00	Director	$0	$0	$0
Kirk Brown	Treasurer	5.00	Director	$0	$0	$0
Greg Webster	Board Member	1.00	Director	$0	$0	$0
Marcia Bergren	Board Member	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	$120,721	$194,178	$55,756	$-73,457
2024	No data	No data	No data	No data
2023	$165,341	$182,528	$160,683	$-17,187
2022	$127,058	$194,014	$177,722	$-66,956
2021	$302,700	$254,850	$246,180	$47,850
2020	$324,676	$383,444	$262,219	$-58,768
2019	$644,344	$795,540	$254,629	$-151,196
2018	$799,091	$781,440	$422,666	$17,651

America's Family Coaches Inc