Educational Media Foundation/ EMF / K Love


Educational Media Foundation (EMF) is a listener supported Christian radio broadcasting network dba "K-LOVE" and "Air1" radio. It represents the largest Christian media network in the United States. EMF's networks are non-commercial radio stations and FM translators (low power repeaters) located in various states across the country and heard around the world via the internet ( and

This organization is a nonprofit 501(C) (3) corporation. All contributions to it are fully deductible to the extent allowed by law. It is a member of the Evangelical Council for Financial Accountability (ECFA).

Contact information

Mailing address:
5700 West Oaks Blvd.
Rocklin, CA 95765-3719


Phone: (916)-251-1600


Organization details

EIN: 942816342

CEO/President: Mike Novak / Alan Mason

Chairman: Dan Antonelli

Board size: 8

Founder: Mr. Bob Anthony

Year founded: 1980

Tax deductible: Yes

Fiscal year end: 12/31

Member of ECFA: Yes

Member of ECFA since: 1996


Educational Media Foundation's primary purpose is to create compelling media that inspires and encourages our listeners to have a meaningful relationship with Christ. The programming is designed to provide encouragement, inspiration, and a deeper understanding of the Christian heritage.

Mission statement

EMF's Mission:

Create compelling media that inspires and encourages our listeners to have a meaningful relationship with Christ. We use music, people, and short educational features to build relationships with our listeners through our media channels. The currency from these relationships is trust, and through that trust, we help peoples' souls respond to a God who loves them, gave Himself for them, and wants to be the center of their lives. Our desire is to work together with our listeners to demonstrate Christ's love through service in their local communities.

EMF's Values:

We trust in God -Our faith, trust, and hope is in Christ. God's Word guides our decisions, refreshes us, and creates an unshakable faith. Our dependence on God is reflected in our commitment to prayer.

Create an Extraordinary Impact -We serve an extraordinary God who deserves our all. He allows us to create, produce and share media with His life-changing message.

We are Passionate, Creative, and Have Fun -Innovative Ideas and Solutions, individual initiative and having a good time make our work and lives more interesting.

Learn, Improve, and Grow -We challenge and stretch ourselves, each other, and the ministry to realize the full potential God has given us.

Statement of faith

Educational Media Foundation uses the following to express its faith:

We believe:

  1. The Bible to be the inspired, only infallible and authoritative Word of God.
  2. (2 Tim 3:15-17, 1 Thess 2:13, 2 Peter 1:21)
  3. There is one true God eternally existent in three persons: Father, Son, and Holy Spirit.
  4. (Deut 6:4, Isa 43:10-11, Matt 28:18-20, Luke 3:22)
  5. In the deity of our Lord Jesus Christ, in His virgin birth, sinless life, miracles, substitutional death on the cross, bodily resurrection, ascension to the Father and His personal return in power and glory.
  6. (Matt 1:23, Luke 1:31-32, Acts 10:37-38, Acts 2:22, Heb 7:26-27, 1 Cor 15:3-5, 2 Cor 5:21-6:1, Matt 28:6, Luke 24:39, 1 Cor 15:4-6, Acts 1:9-11, Phil 2:9-11, Heb 1:3)
  7. Regeneration by the Holy Spirit is absolutely essential for the salvation of sinful man; a person must experience a spiritual rebirth. Only through the power of the Holy Spirit is the Christian able to live a more godly life.
  8. (Rom 10:12-13, Eph 2:8-10, Titus 2:11, Titus 3:4-8, Rom 8:16, Eph 4:24, Titus 2:12)
  9. There is a resurrection of both the saved and the lost, the saved to eternal life in heaven, the lost to hell.
  10. (1 Thess 4:15-17, Rom 3:23-24, 1 Cor 15:51-52, Rev 20:11-15, Rev 21:6-8)
  11. Jesus Christ rose from the dead and is returning soon.
  12. (Zech 14:4-5, Matt 24:26, Matt 24:30, Rev 1:7, Rev 19:11-13)
  13. The Great Commission of the church is to go into the entire world and preach the Gospel to every person.
  14. (Mark 16:15, Luke 14:23, Matt 28:19-20, Acts 1:7-8, Mark 16:15 -16)
  15. In the spiritual unity of believers through the working of the Holy Spirit and the Lord Jesus Christ.
  16. (Eph 4:11-13, Ps 133:1, Phil 2:1-3)
  17. We believe in holy Christian living, and we must have concern for the hurts and social needs of our fellowmen.
  18. (Col 3:12-14, Rom 15:1-2)
  19. We believe we must dedicate ourselves anew to the service of our Lord and to His authority over our lives.
  20. (Col 2:9-11, Eph 6:7-8)

Financial efficiency ratings

Sector: Radio/ TV Stations

CategoryRatingOverall rankSector rank
Overall efficiency rating269 of 4238 of 16
Fund acquisition rating126 of 4235 of 16
Resource allocation rating215 of 4235 of 16
Asset utilization rating414 of 42316 of 16

Click here to read Educational Media Foundation/ EMF / K Love's response to our ratings

Financial ratios

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Balance sheet
Receivables, inventories, prepaids$10,125,984$8,819,527$6,285,861$5,275,104$7,063,563
Short-term investments$17,500,000$10,000,000$0$0$0
Other current assets$0$0$0$0$0
Total current assets$52,982,216$43,792,628$29,326,464$26,340,513$29,191,824
Long-term investments$69,324,537$47,465,844$27,730,096$24,370,960$14,077,185
Fixed assets$54,864,980$55,232,580$52,235,340$50,348,771$46,561,896
Other long-term assets$454,659,072$374,848,252$367,674,427$341,947,231$304,124,016
Total long-term assets$578,848,589$477,546,676$447,639,863$416,666,962$364,763,097
Total assets$631,830,805$521,339,304$476,966,327$443,007,475$393,954,921
Payables and accrued expenses$7,077,344$6,912,353$7,189,999$6,417,307$5,886,473
Other current liabilities$24,880,904$21,803,063$19,100,376$17,886,933$21,558,935
Total current liabilities$31,958,248$28,715,416$26,290,375$24,304,240$27,445,408
Due to (from) affiliates$0$0$0$0$0
Other long-term liabilities$0$0$0$0$0
Total long-term liabilities$47,343,254$19,242,438$42,408,985$65,694,688$77,148,222
Total liabilities$79,301,502$47,957,854$68,699,360$89,998,928$104,593,630
Net assets20172016201520142013
Temporarily restricted$584,688$662,709$1,464,263$1,146,156$915,589
Permanently restricted$0$0$0$0$0
Net assets$552,529,303$473,381,450$408,266,967$353,008,547$289,361,291
Revenues and expenses
Total contributions$176,997,637$170,198,720$162,145,965$151,569,738$139,189,136
Program service revenue$6,382,720$0$0$0$0
Membership dues$0$0$0$0$0
Investment income$5,270,869$439,098$423,968$413,778($1,237,020)
Other revenue$4,104,951$7,477,869$3,170,870$3,127,300$2,710,638
Total other revenue$15,758,540$7,916,967$3,594,838$3,541,078$1,473,618
Total revenue$192,756,177$178,115,687$165,740,803$155,110,816$140,662,754
Program services$93,912,984$95,373,250$93,212,337$76,584,438$69,492,176
Management and general$12,202,194$11,165,949$10,796,531$8,976,981$7,914,741
Total expenses$113,608,324$113,001,204$110,482,383$91,463,560$82,474,361
Change in net assets20172016201520142013
Surplus (deficit)$79,147,853$65,114,483$55,258,420$63,647,256$58,188,393
Other changes in net assets$0$0$0$0$0
Total change in net assets$79,147,853$65,114,483$55,258,420$63,647,256$58,188,393

Response from ministry

Caveat for One Star Rating: Educational Media Foundation has been afforded one star under the Asset Utilization ratios, primarily because of the result under the "degree of Long-term investment" section. The resulting ratio appears very high when you compare it to the ministry average. In our opinion, this result fails to take into account the uniqueness of our industry. In order for EMF to transmit our Christian Radio broadcast signals, we must purchase the FCC license. This is oftentimes the most expensive and most valuable part of the purchase. We capture this value in the line item "FCC licenses, permits, and application costs" under Other Assets on our Consolidated Statement of Financial Position. The large dollar value within this account is evidence of our success in obtaining these licenses. We do not believe the resulting one star clearly reflects our financial health as it is not factoring in the uniqueness of our business.



In 1982, KLOVE began in Santa Rosa, California, as a single radio station, under the call letters KCLB. It was owned by Educational Media Foundation (EMF), a non-profit 501(C)3 Corporation. The idea for this full-time contemporary Christian music radio station was conceived by popular radio personality Bob Anthony. The slogan used was "Positive Alternative, Christian Music Radio KCLB 92 FM".

1986: Dick Jenkins was hired as General Manager, replacing Bob Anthony.

1988: KCLB moved to Mount Saint Helena and changed its on-air brand to "K-LOVE" and adopted their now legendary slogan, "Positive, Encouraging K-LOVE".


K-LOVE expanded its reach by purchasing small stations and translators and repeating its signal.

Experienced on-air talents were added to include David Pierce, Mike Novak, JD Chandler and Larry Wayne.

With the help of satellite technology, K-LOVE Radio network expanded into Oregon, Arizona, Oklahoma and Texas.

K-LOVE increased its reach online by streaming live on

In 1995, two radio stations in Southern California joined together with a third, near Portland, Oregon, creating a sister network to K-LOVE called AIR1. AIR1 is a Contemporary Hit Radio (CHR) network playing "positive" contemporary top Christian music hits.


K-LOVE went through a period of expansion through the purchase of stations and translators across the US. Educational Media Foundation took advantage of a period when the FCC allowed the filing of new applications for FM translators. Over 250 applications were approved during this time, allowing for further expansion into other states such as Colorado, Illinois and Missouri. This expansion made K-LOVE Radio network the largest broadcaster of contemporary Christian music in the world.


K-LOVE/AIR 1 began to purchase more stations and translators within all 50 US states including Alaska and Hawaii. Medium and larger markets were entered in the states of California (Stockton, San Francisco, Los Angeles, San Diego), Connecticut, Florida, Illinois (Chicago), New York, Ohio, Tennessee (Nashville) and Utah.

2013: K-LOVE announced the inaugural K-LOVE Fan Awards-a listener-voted awards show for contemporary Christian musicians held in Nashville, TN.

December 2013, EMF partnered with UP Television Network for a televised Christmas event titled, "K-LOVE Music City Christmas". For the first time in history, EMF was on television in over 58 million homes nationwide.

During 2017 & 2018 Educational Media Foundation expanded its reach through the purchase of stations and translators in the Los Angeles, New York and Chicago markets.

In June of 2018 K-LOVE Radio launched K-LOVE Classics playing or streaming Classic Christian Music from the 80's, 90's & early 2000's.

In 2018, Mike Novak, CEO, announced his retirement. Mr. Novak joined EMF in 1998 and became CEO in 2007. He led dramatic grown of the networks, now heard on more than 800 stations in all 50 states and streamed around the world online. When he began as CEO, K-LOVE and AIR1 were heard on more than 600 stations in 45 states.

More information can be found on our websites. For K-LOVE please visit For AIR1 please visit

Program accomplishments

The KLOVE and AIR1 radio signals reach over 20 Million listeners each year.

KLOVE delivers "positive and encouraging" contemporary Christian music over 550 signals across 48 states.

AIR1 plays the top Christian "positive hits" list heard on nearly 300 signals across 44 states. It is the only national radio platform that utilizes minute-by-minute crowd sourcing technology to determine which songs are played. These customizable listening options are called Mixology Live.

K-LOVE and AIR1 has a full-time ministry team that prays, over the phone, with 300-400 people each day or nearly 150,000 people each year who are in need of guidance. The pastors, pastoral care team and other staff at K-LOVE and AIR1 pray for over 1,200 written prayer requests every day, and on average, intervene in one suicide case per day. People can submit their requests online or over the phone.

Educational Media Foundation (EMF), through both of its networks (K-LOVE and Air 1) have partnered with other ministries and donated air time and web site space to them. Some of these ministries have included: International Cooperating Ministries, Compassion International, Food for the Hungry, Teen Challenge, Cure International, Faith Comes by Hearing, Shoes for Orphan Soles, Angel Tree, World Vision, Operating Christmas Child, Operation Warm, Survive to Five and Convoy of Hope.

EMF's subsidiary, Crisis Response LLC, provides crisis response training to anyone who currently responds to or is interested in joining a team that responds to traumatic events. The classes are provided at no charge and teach the basics of Critical Incident Stress Management (CISM). This program was developed as an outgrowth of our pastoral ministry and local outreach.

The Dare to Dream school assembly program addresses the ongoing challenges facing the youth of today. The religiously neutral and Biblically-based presentation reminds kids that their choices today will impact their lives tomorrow. Students are encouraged to surround themselves with positive influences, resist negative peer pressures and to move forward by staying true to the dreams and goals placed on their hearts. This service is offered at no charge to the school and serves the community under the umbrella of the AIR1 Network. This program was developed as an outgrowth of our pastoral ministry and local outreach.


EMF is a listener supported ministry and the time is now. Winning souls for Christ and encouraging believers has never been more challenging. But with listeners' support, the goal is more attainable than ever.