THE AMERICAN OPPORTUNITY FOUNDATION INC (EIN 581533966) - 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

1983

Legal Domicile

Principal Officer

PHILIP KENNEDY

Phone

7709370377

Tax Period

2024-01-01 to 2024-12-31

THE AMERICAN OPPORTUNITY FOUNDATION INC, founded in 1983, is a community nonprofit that reported $5.7M in total revenue in fiscal year 2024. Revenue fell 34% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $2.4M, a strong 42% operating margin.

Mission

OWNING AND SUPPORTING HOUSING FOR MODERATE-TO-LOW INCOME FAMILIES AND THE ELDERLY.

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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 $1,626,800

Program Service Revenue $970,964

Investment Income $3,054,707

Other Revenue $0

TOTAL REVENUE $5,652,471

Expense Breakdown

Grants Paid $487,655

Salaries & Benefits $1,310,375

Fundraising Expenses $0

Program Expenses $3,033,132

Other Expenses $1,491,167

TOTAL EXPENSES $3,289,197

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,652,471	$8,507,656	-0.3%
Expenses	$3,289,197	$2,835,972	+0.2%
Net Income	$2,363,274	$5,671,684	-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

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

$1,042,135

Total Directors

$1,097,135

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PHILIP J KENNEDY	PRESIDENT, TRUSTEE	35.00	Officer Director	$515,000	$83,720	$598,720
ROBERT R DERRICK	TRUSTEE	0.20	Director	$15,000	$0	$15,000
WILLIAM P FISHER III	TRUSTEE	0.20	Director	$25,000	$0	$25,000
JACK T HAMMER	TRUSTEE	0.20	Director	$15,000	$0	$15,000
KATHRYN WALKER	VICE PRESIDENT, SECRETARY	35.00	Officer Director	$380,000	$63,415	$443,415

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	$5,652,471	$3,289,197	$76,191,238	$2,363,274
2023	$8,507,656	$2,835,972	$71,992,207	$5,671,684
2022	$32,535,657	$2,553,054	$65,084,205	$29,982,603
2021	$25,080,242	$2,263,152	$36,469,989	$22,817,090
2020	$2,298,104	$1,776,056	$12,015,738	$522,048
2019	$2,093,368	$2,346,602	$10,497,162	$-253,234
2018	$1,868,431	$1,302,709	$9,596,031	$565,722

THE AMERICAN OPPORTUNITY FOUNDATION INC