ASSOCIATION OF FINANCIAL EDUCATORS (EIN 452178926) - 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

2017

Legal Domicile

Principal Officer

BRIAN MCCARTHY

Phone

2818094137

Tax Period

2024-01-01 to 2024-12-31

ASSOCIATION OF FINANCIAL EDUCATORS, founded in 2017, is a small nonprofit that reported $603K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $767K exceeded revenue, resulting in a 27% operating deficit.

Mission

EMPOWERING INDIVIDUALS AND COMMUNITIES WITH THE KNOWLEDGE THEY NEED TO TAKE CONTROL OF THEIR OWN FINANACIAL WELL-BEING.

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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 $602,783

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $602,783

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,947

Fundraising Expenses $0

Program Expenses $734,747

Other Expenses $761,090

TOTAL EXPENSES $767,037

Year-over-Year Comparison

	2024	2023	Change
Revenue	$602,783	$545,180	+0.1%
Expenses	$767,037	$602,579	+0.3%
Net Income	$-164,254	$-57,399	+1.9%

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

N/A

Employees

N/A

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

$21,044

Total Directors

$21,044

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN MCCARTHY	VICE PRESIDENT	040.00	Officer Director	$21,044	$0	$21,044
KEVIN CROWN	PRESIDENT	040.00	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
2024	$602,783	$767,037	$259,587	$-164,254
2023	$545,180	$602,579	$375,485	$-57,399
2022	$475,399	$744,501	$492,905	$-269,102
2021	$618,847	$513,699	$197,770	$105,148
2021	$627,970	$783,233	$738,269	$-155,263
2020	$578,463	$582,124	$106,181	$-3,661
2019	$474,065	$431,830	$97,125	$42,235
2018	$278,895	$305,668	$53,432	$-26,773

ASSOCIATION OF FINANCIAL EDUCATORS