YOUNG AMERICANS CENTER FOR FINANCI… - Form 990 Financial Data

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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

2000

Legal Domicile

Principal Officer

DUSTIN ZVONEK

Phone

3033212265

Tax Period

2023-01-01 to 2023-12-31

YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION, founded in 2000, is a community nonprofit in the Recreation & Sports sector that reported $2.5M in total revenue in fiscal year 2023.

Mission

YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION IS COMMITTED TO DEVELOPING THE FINANCIAL LITERACY OF YOUNG PEOPLE THROUGH REAL-LIFE EXPERIENCES AND HANDS-ON PROGRAMS PURPOSEFULLY DESIGNED TO ENABLE THEM TO PROSPER IN OUR FREE ENTERPRISE SYSTEM. SINCE 1989, MORE THAN 887,500 YOUTH HAVE BENEFITED FROM THESE NONPROFIT PROGRAMS THAT BUILD LIFE SKILLS, WORK SKILLS, AND FINANCIAL SELF-SUFFICIENCY.

Program Service Accomplishments

Program 1

Expenses: $1,028,746 Revenue: $563,159

YOUNG AMERITOWNE IS A HANDS-ON PROGRAM THAT INTRODUCES 5TH GRADERS FROM ELEMENTARY SCHOOLS THROUGHOUT COLORADO TO OUR FREE ENTERPRISE SYSTEM. THE THIRTY-SEVEN LESSON CURRICULUM TAUGHT IN THE SCHOOL BY THE TEACHER CULMINATES WHEN THE STUDENTS RUN A LIFE-LIKE TOWN OF UP TO 17 BUSINESSES FOR A DAY, BRINGING THEIR LEARNING TO LIFE AND EXPERIENCING FREE ENTERPRISE FIRST-HAND. PARTICIPATION: 29,374 DURING 2023.

Program 2

Expenses: $261,703 Revenue: $170,610

INTERNATIONAL TOWNE IS A ONE-OF-A-KIND PROGRAM THAT INTRODUCES MIDDLE SCHOOL STUDENTS TO THE FINANCIAL REALITIES OF THE GLOBAL MARKETPLACE. AFTER WEEKS OF CLASSROOM LESSONS AND ACTIVITIES, THE...

INTERNATIONAL TOWNE IS A ONE-OF-A-KIND PROGRAM THAT INTRODUCES MIDDLE SCHOOL STUDENTS TO THE FINANCIAL REALITIES OF THE GLOBAL MARKETPLACE. AFTER WEEKS OF CLASSROOM LESSONS AND ACTIVITIES, THE STUDENTS-TURNED-WORLD-CITIZENS COME TO INTERNATIONAL TOWNE TO RUN THE SIXTEEN-COUNTRY WORLD FOR A DAY, EXPERIENCING THE ECONOMIC CONCEPTS OF GLOBAL TRADING, CURRENCY EXCHANGE, IMPORTING AND EXPORTING, AND CULTURAL VALUES. PARTICIPATION: 8,092 STUDENTS DURING 2023.

Program 3

Expenses: $415,085 Revenue: $20,210

YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION ALSO OFFERS A VARIETY OF ENTREPRENEURSHIP TRAINING PROGRAMS THROUGH OUR YOUTHBIZ DIVISION. SERVING DENVER-AREA YOUTH AGES 11 TO 18 WITH TARGETED FOCUS ON THOSE FROM LOW-INCOME, UNDERSERVED SCHOOLS AND NEIGHBORHOODS, YOUTH LEARN THE FOUNDATIONS OF BUSINESS AND ENTREPRENEURSHIP ENABLING THEM TO IDENTIFY OPPORTUNITIES AND TO DEVELOP PRODUCTS AND SERVICES THAT CREATE VALUE. YOUTHBIZ OFFERS TWO PROGRAMS, STARTUP AND OUT-OF-THE-BOX. STARTUP IS AN ENTRY LEVEL PROGRAM DESIGNED TO TEACH YOUTH THE BASICS OF ENTREPRENEURSHIP INCLUDING NEED IDENTIFICATION, PROTOTYPE DEVELOPMENT AND BUSINESS PITCH. YOUTHBIZ OUT-OF-THE-BOX TAKES STUDENTS FURTHER INTO THE PRODUCTION AND SALES CYCLES WITH REAL RETAIL OPPORTUNITIES, SUCH AS OUR YOUTHBIZ MARKETPLACE. IN 2023, YOUTHBIZ SERVED 3,533 STUDENTS.

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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 $1,472,635

Program Service Revenue $981,433

Investment Income $6,227

Other Revenue $77,970

TOTAL REVENUE $2,538,265

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,928,456

Fundraising Expenses $321,734

Program Expenses $2,061,920

Other Expenses $780,353

TOTAL EXPENSES $2,708,809

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,538,265	$2,440,350	+0.0%
Expenses	$2,708,809	$2,345,058	+0.2%
Net Income	$-170,544	$95,292	-2.8%

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

4998

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

$1,144,333

Total Directors

$852,251

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD MARTINEZ JR	PRES & CEO T	3.50	Officer Director	$31,752	$17,523	$617,368
ANDREW HANCOCK	PRES. & CEO	22.50	Officer Director	$60,531	$561	$175,506
DUSTIN ZVONEK	PRES. & CEO	22.50	Officer Director	$20,006	$1,556	$59,377
SUE EUSER	VP ADMIN, SE	35.00	Officer	$56,301	$15,672	$142,101
LAUREN BROZINSKI	CONTROLLER,T	27.00	Officer	$44,984	$14,895	$149,981
TOBIN TRUSLOW	VP BUS. AND	31.20	Highest	$97,420	$13,764	$138,522
ANNA LEER	SVP OF PROGR	40.00	Highest	$104,510	$15,736	$120,246
AMANDA KRISCHE	VP PROG. OPE	40.00	Highest	$100,635	$14,470	$115,105
MICHAEL GERSACK	CHAIRMAN	2.00	Officer Director	$0	$0	$0
STEPHANIE BENDRICK	VICE CHAIRMA	2.00	Officer Director	$0	$0	$0
CHRIS BECZE	DIRECTOR	2.00	Director	$0	$0	$0
GREG BLANCHARD	DIRECTOR	2.00	Director	$0	$0	$0
BRIAN CAHILL	DIRECTOR	2.00	Director	$0	$0	$0
MBIYU CHISHOLM	DIRECTOR	2.00	Director	$0	$0	$0
ADAM FIEDOR	DIRECTOR	2.00	Director	$0	$0	$0
TUHIN HALDER	DIRECTOR	2.00	Director	$0	$0	$0
JOHN LE	DIRECTOR	2.00	Director	$0	$0	$0
AVI LOEWENSTEIN	DIRECTOR	2.00	Director	$0	$0	$0
CHARLIE MAGUIRE	DIRECTOR	2.00	Director	$0	$0	$0
JACOB PAYNE	DIRECTOR	2.00	Director	$0	$0	$0
SEAN PECHAN	DIRECTOR	2.00	Director	$0	$0	$0
BO PERETTO	DIRECTOR	2.00	Director	$0	$0	$0
CHRISTOPHER PICARDI	DIRECTOR	2.00	Director	$0	$0	$0
ERIN SIMMONS	DIRECTOR	2.00	Director	$0	$0	$0
SHANNON SMITH	DIRECTOR	2.00	Director	$0	$0	$0
BO SUTTON	DIRECTOR	2.00	Director	$0	$0	$0
AUBREY THACKER	DIRECTOR	2.00	Director	$0	$0	$0
PAOLO VILLASENOR	DIRECTOR	2.00	Director	$0	$0	$0
HEATHER WHITE	DIRECTOR	2.00	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	No data	No data	No data	No data
2023	$2,538,265	$2,708,809	$4,111,942	$-170,544
2022	$2,440,350	$2,345,058	$4,312,639	$95,292
2021	$2,339,040	$1,659,901	$4,183,298	$679,139
2020	$1,947,761	$1,704,182	$3,563,699	$243,579
2019	$2,463,698	$2,562,147	$3,274,813	$-98,449
2018	$3,007,538	$2,618,457	$3,393,103	$389,081

YOUNG AMERICANS CENTER FOR FINANCIAL EDUCATION