AMERICAN FAMILY LIVING

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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

1977

Legal Domicile

Principal Officer

STEVE SCHINHOFEN

Phone

7146377900

Tax Period

2025-01-01 to 2025-12-31

AMERICAN FAMILY LIVING, founded in 1977, is a small nonprofit that reported $171K in total revenue in fiscal year 2025. Revenue fell 56% from the prior year — a significant decline worth monitoring. Expenses of $270K exceeded revenue, resulting in a 58% operating deficit.

Mission

AFL RENEWS, STRENGTHENS AND RESTORES THE FOUNDATION OF THE AMERICAN FAMILY THROUGH BIBLICAL CHRISTIAN ENCOURAGEMENT AND COUNSELING, WITH TOOLS FOR FAMILIES TO HEAL, GROW AND MATURE IN LOVE.

Program Service Accomplishments

Program 1

Expenses: $246,342 Revenue: $170,810

AMERICAN FAMILY LIVING IS DEDICATED TO RENEW AND STRENGTHEN THE FOUNDATION OF THE FAMILY THROUGH JUDEO CHRISTIAN VALUES WITH TOOLS TO HEAL, GROW AND MATURE IN LOVE THORUGH SUCH PROGRAMS AS...

AMERICAN FAMILY LIVING IS DEDICATED TO RENEW AND STRENGTHEN THE FOUNDATION OF THE FAMILY THROUGH JUDEO CHRISTIAN VALUES WITH TOOLS TO HEAL, GROW AND MATURE IN LOVE THORUGH SUCH PROGRAMS AS INDIVIDUAL, PRE-MARRIAGE, MARRIAGE, FAMILY AND CHILD COUNSELING; JOY OF LIVING BIBLE STUDY (WOMENS A.M. & MEN & WOMENS STUDIES); COUPLES CONNECTION DATE NIGHTS AND COUPLES WEEKENDS; WOMENS OUTREACH EVENTS; TUESDAY TEAS; FLETCHER COURTYARD EVENT CENTER; CAMP AGAPE CALIFORNIA (A FINANCIALLY SPONSORED PROGRAM); CELEBRATE RECOVERY STEP STUDY; AND DAD ACADEMY BIBLE STUDY.

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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 $39,574

Program Service Revenue $99,606

Investment Income $2,374

Other Revenue $29,256

TOTAL REVENUE $170,810

Expense Breakdown

Grants Paid $0

Salaries & Benefits $78,329

Fundraising Expenses $0

Program Expenses $246,342

Other Expenses $191,636

TOTAL EXPENSES $269,965

Year-over-Year Comparison

	2025	2024	Change
Revenue	$170,810	$391,893	-0.6%
Expenses	$269,965	$445,184	-0.4%
Net Income	$-99,155	$-53,291	+0.9%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARYN BRECHT	MEMBER	1.00	Director	$0	$0	$0
PAUL BRECHT	PRESIDENT	1.00	Officer Director	$0	$0	$0
LOREN BROWN	LEGAL COUNSELMEMBER	1.00	Director	$0	$0	$0
MARQUITA BROWN	MEMBER	1.00	Director	$0	$0	$0
RUDY CARMONA	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
TINA CARMONA	SECRETARYTREASURER	1.00	Officer Director	$0	$0	$0
ROBERT NIXON	PASTORAL ADVISORMEMBE	1.00	Director	$0	$0	$0
SHARON NIXON	PASTORAL ADVISORMEMBE	1.00	Director	$0	$0	$0
KATHY SCHINHOFEN	EXEC DIRECTORC O O	1.00	Officer Director	$0	$0	$0
STEVE SCHINHOFEN	EXEC DIRC E O	1.00	Officer Director	$0	$0	$0
JEFF HAMILTON	PASTORAL ADVISORMEMBE	1.00	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
2025	$170,810	$269,965	$434,110	$-99,155
2024	$391,893	$445,184	$528,274	$-53,291
2024	$391,893	$445,184	$528,274	$-53,291
2023	$551,294	$460,655	$740,655	$90,639
2022	$380,498	$401,808	$472,916	$-21,310
2021	$586,581	$433,225	$494,556	$153,356
2020	$175,194	$169,657	$339,706	$5,537
2019	$373,239	$331,341	$335,498	$41,898
2019	$373,239	$331,341	$335,498	$41,898
2018	$324,860	$273,118	$300,521	$51,742