ASSOCIATION FOOTBALL CLUB (EIN 832421146) - 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

2019

Legal Domicile

Principal Officer

Stephen Depetris

Phone

5103051974

Tax Period

2023-07-01 to 2024-06-30

ASSOCIATION FOOTBALL CLUB, founded in 2019, is a community nonprofit in the Recreation & Sports sector that reported $1.7M in total revenue in fiscal year 2023. Expenses of $1.8M exceeded revenue, resulting in a 10% operating deficit.

Mission

To provide competitive soccer programs for girls and boys in the 7th grade thru the 12th grade in the San Francisco East Bay

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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 (2023)

Revenue Breakdown

Contributions & Grants $9,355

Program Service Revenue $1,664,859

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,674,214

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,845,930

Other Expenses $1,845,930

TOTAL EXPENSES $1,845,930

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,674,214	$1,558,182	+0.1%
Expenses	$1,845,930	$1,505,520	+0.2%
Net Income	$-171,716	$52,662	-4.3%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Pete Brennan	Sponsorships Director	6	Director	$0	$0	$0
Augusto Cardoso	Referee Coordinator	6	Director	$0	$0	$0
Matthew Dilworth	Communications/Webmaster	7	Director	$0	$0	$0
Signe Anderssel	Financial Aid	8	Director	$0	$0	$0
Ross Thompson	Competitive Director	8	Director	$0	$0	$0
Bernie Guttman	President	6	Officer	$0	$0	$0
Tim Lasocki	Vice President	8	Officer	$0	$0	$0
Belinda Salvadei	Treasurer	8	Officer	$0	$0	$0
Lourdes Navarrete	Secretary	6	Officer	$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	No data	No data	No data	No data
2024	$1,674,214	$1,845,930	$212,183	$-171,716
2023	$1,558,182	$1,505,520	$383,899	$52,662
2022	$1,426,545	$1,369,578	$331,387	$56,967
2021	$1,382,860	$1,125,553	$274,195	$257,307
2020	$1,212,945	$1,199,404	$16,293	$13,541

ASSOCIATION FOOTBALL CLUB