AFSA EDUCATION FOUNDATION (EIN 521673101) - 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

1990

Legal Domicile

Principal Officer

RHONDA ASHBURN

Phone

2024668611

Tax Period

2025-01-01 to 2025-12-31

AFSA EDUCATION FOUNDATION, founded in 1990, is a community nonprofit in the Arts, Culture & Humanities sector that reported $1.6M in total revenue in fiscal year 2025. Revenue surged 25% from the prior year, signaling strong growth momentum. The organization ran a surplus of $728K, a strong 44% operating margin.

Mission

THE MISSION OF AMERICAN FINANCIAL SERVICES ASSOCIATION EDUCATION FOUNDATION (AFSAEF) IS TO EDUCATE CONSUMERS OF ALL AGES ON PERSONAL FINANCE CONCEPTS AND HELP THEM REALIZE THE BENEFITS OF RESPONSIBLE MONEY MANAGEMENT WHILE GAINING A BETTER UNDERSTANDING OF THE CREDIT PROCESS.

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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 $369,417

Program Service Revenue $629,125

Investment Income $639,790

Other Revenue $0

TOTAL REVENUE $1,638,332

Expense Breakdown

Grants Paid $0

Salaries & Benefits $179,469

Fundraising Expenses $0

Program Expenses $799,216

Other Expenses $731,045

TOTAL EXPENSES $910,514

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,638,332	$1,311,398	+0.2%
Expenses	$910,514	$850,586	+0.1%
Net Income	$727,818	$460,812	+0.6%

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

N/A

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

$255,580

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JONATHON L LEVIN	DIRECTOR	0.50	Director	$0	$0	$0
ANN BYBEE	DIRECTOR	0.50	Director	$0	$0	$0
SHUNDA ROBINSON	DIRECTOR	0.50	Director	$0	$0	$0
GINGER BARRETT	SECRETARY/TREASURER	0.50	Officer Director	$0	$0	$0
JOSH C JOHNSON	DIRECTOR	0.50	Director	$0	$0	$0
KEVIN CULLUM	DIRECTOR	0.50	Director	$0	$0	$0
L MIGUEL JANSEN	DIRECTOR	0.50	Director	$0	$0	$0
SHANNON MOKHIBER	DIRECTOR	0.50	Director	$0	$0	$0
RICK H PARKER JR	DIRECTOR	0.50	Director	$0	$0	$0
PATRICIA NOTARO	DIRECTOR	0.50	Director	$0	$0	$0
KATHY RUBLE	VICE-CHAIR	0.50	Officer Director	$0	$0	$0
JAMES SCHNEIDER	CHAIR	0.50	Officer Director	$0	$0	$0
JOHN SHORT	DIRECTOR	0.50	Director	$0	$0	$0
ROBERT TROJAN	DIRECTOR	0.50	Director	$0	$0	$0
MARGUERITE WATANABE	DIRECTOR	0.50	Director	$0	$0	$0
CELIA WINSLOW	DIRECTOR	0.50	Director	$0	$0	$0
SALVADOR CALVIO	DIRECTOR	0.50	Director	$0	$0	$0
ROCHELLE MCCLANAHAN	DIRECTOR	0.50	Director	$0	$0	$0
DAN WALTERS	DIRECTOR	0.50	Director	$0	$0	$0
ANDRE MEDEIROS	DIRECTOR	0.50	Director	$0	$0	$0
PETAR VUCUREVIC	DIRECTOR	0.50	Director	$0	$0	$0
BRAD NOEL	DIRECTOR	0.50	Director	$0	$0	$0
RHONDA K ASHBURN	EXECUTIVE DIRECTOR	37.50	Officer	$0	$42,352	$255,580
OLIVIA DIBIASE	DIRECTOR OF FINANCIAL EDUCATION	37.50	Highest	$120,632	$48,117	$168,749

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	$1,638,332	$910,514	$12,796,664	$727,818
2024	$1,311,398	$850,586	$11,006,431	$460,812
2023	$1,385,918	$912,858	$9,715,663	$473,060
2022	$1,338,350	$913,594	$8,421,256	$424,756
2021	$1,711,456	$765,102	$9,903,629	$946,354
2020	$633,542	$488,629	$9,086,459	$144,913
2019	$867,052	$707,337	$8,155,594	$159,715
2018	$1,076,495	$901,477	$6,885,311	$175,018

AFSA EDUCATION FOUNDATION