Family Learning Organization (EIN 943077101) - 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

1987

Legal Domicile

Principal Officer

Martha Bereiter

Phone

5094672552

Tax Period

2025-01-01 to 2025-12-31

Family Learning Organization, founded in 1987, is a small nonprofit in the Education sector that reported $415K in total revenue in fiscal year 2025. Expenses of $532K exceeded revenue, resulting in a 28% operating deficit.

Mission

Our mission is to provide counsel, assistance, and assessment materials to support families who homeschool their children within our service area.

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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 $1,776

Program Service Revenue $410,984

Investment Income $2,175

Other Revenue $0

TOTAL REVENUE $414,935

Expense Breakdown

Grants Paid $12,656

Salaries & Benefits $160,413

Fundraising Expenses $0

Program Expenses $380,177

Other Expenses $358,537

TOTAL EXPENSES $531,606

Year-over-Year Comparison

	2025	2024	Change
Revenue	$414,935	$417,327	0.0%
Expenses	$531,606	$431,593	+0.2%
Net Income	$-116,671	$-14,266	+7.2%

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

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
Martha Bereiter	President/Treasurer	0.10	Officer Director	$0	$0	$0
Karen Carver	Secretary	0.10	Officer Director	$0	$0	$0
Marcia McGuire	Board Member	0.10	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
2025	$414,935	$531,606	$901,613	$-116,671
2024	$417,327	$431,593	$1,015,561	$-14,266
2023	$378,763	$414,936	$1,031,357	$-36,173
2022	$384,110	$457,543	$1,065,534	$-73,433
2021	$373,469	$436,382	$1,141,172	$-62,913
2020	$217,407	$362,720	$1,200,561	$-145,313

Family Learning Organization