AMERICAN FEDERATION OF TEACHERS (EIN 436049553) - 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

1945

Legal Domicile

Principal Officer

Ray Cummings

Phone

3147812077

Tax Period

2024-07-01 to 2025-06-30

AMERICAN FEDERATION OF TEACHERS, founded in 1945, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $290K, a strong 18% operating margin.

Mission

TO COLLECTIVELY BARGAIN THE TERMS AND CONDITIONS OF EMPLOYMENT AND COMPENSATION FOR ITS MEMBERS. TO REPRESENT MEMBERS AND PROMOTE QUALITY PUBLIC EDUCATION IN ST LOUIS.

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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 $1,570,628

Program Service Revenue $0

Investment Income $24

Other Revenue $0

TOTAL REVENUE $1,570,652

Expense Breakdown

Grants Paid $0

Salaries & Benefits $636,684

Fundraising Expenses $0

Program Expenses $0

Other Expenses $644,026

TOTAL EXPENSES $1,280,710

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,570,652	$1,405,864	+0.1%
Expenses	$1,280,710	$1,440,971	-0.1%
Net Income	$289,942	$-35,107	-9.3%

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

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

$229,823

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RAY CUMMINGS	PRESIDENT	40	Officer	$76,482	$0	$169,884
CARRON JOHNSON	SECRETARY and VICE PRESIDENT PARAS	10	Officer	$8,000	$0	$51,939
DEBORAH SCHMIDT	FORMER TREASURER	4	Officer	$8,000	$0	$8,000

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	$1,570,652	$1,280,710	$719,603	$289,942
2024	$1,405,864	$1,440,971	$451,381	$-35,107
2023	$1,335,729	$1,301,882	$523,653	$33,847
2022	$1,124,727	$998,579	$411,167	$126,148
2021	$1,199,740	$1,222,557	$328,763	$-22,817
2020	$1,159,826	$1,140,533	$414,688	$19,293
2019	$1,346,401	$1,380,926	$198,516	$-34,525

AMERICAN FEDERATION OF TEACHERS