RCAP SOLUTIONS INC FORMERLY RURAL HOUSING IMPROVEMENT INC (EIN 042454675) - 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

1969

Legal Domicile

Principal Officer

BRIAN SCALES

Phone

8004881969

Tax Period

2024-07-01 to 2025-06-30

RCAP SOLUTIONS INC FORMERLY RURAL HOUSING IMPROVEMENT INC, founded in 1969, is a mid-sized nonprofit that reported $78.8M in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion.

Mission

FOSTER SELF-RELIANCE AND IMPROVE QUALITY OF LIFE FOR INDIVIDUALS AND FAMILIES.

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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 (2024)

Revenue Breakdown

Contributions & Grants $78,324,420

Program Service Revenue $452,870

Investment Income $20,482

Other Revenue $37,618

TOTAL REVENUE $78,835,390

Expense Breakdown

Grants Paid $63,738,558

Salaries & Benefits $10,437,522

Fundraising Expenses $0

Program Expenses $74,390,811

Other Expenses $3,842,335

TOTAL EXPENSES $78,018,415

Year-over-Year Comparison

	2024	2023	Change
Revenue	$78,835,390	$67,244,674	+0.2%
Expenses	$78,018,415	$66,993,684	+0.2%
Net Income	$816,975	$250,990	+2.3%

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

165

Volunteers

110

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

$448,451

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARL H ALLEN JR	DIRECTOR	5.00	Director	$0	$0	$0
HENRY NOEL JR	DIRECTOR	5.00	Director	$0	$0	$0
JEFFREY FOX	DIRECTOR	5.00	Director	$0	$0	$0
JOANN MARSILI	DIRECTOR	5.00	Director	$0	$0	$0
JULIE CAROLL	DIRECTOR	5.00	Director	$0	$0	$0
KEN REID	TREASURER	5.00	Officer Director	$0	$0	$0
LAURA MCGEE	IMMEDIATE PAST CHAIR	5.00	Officer Director	$0	$0	$0
SUSAN BACHMAN	VICE CHAIR	5.00	Officer Director	$0	$0	$0
TIM GRINHAM	OUTGOING DIRECTOR	5.00	Director	$0	$0	$0
TRACEY WEEDEN	CHAIR	5.00	Officer Director	$0	$0	$0
ALYSSA GLENNON	VP & CFO	40.00	Officer	$164,306	$11,130	$175,436
BRIAN SCALES	PRESIDENT/CEO/CLERK	40.00	Officer	$257,745	$15,270	$273,015
EMILY FARRAND	VP OF ADMIN & COO	40.00	Highest	$171,793	$26,462	$198,255
JENNIFER DAY	DIR COMM & ENVIRON RESOURCES	40.00	Highest	$141,434	$20,022	$161,456
LINDA A KIRWAN	DIRECTOR OF PROPERTY MGMT	40.00	Highest	$118,753	$15,066	$133,819
MAEGEN MCCAFFREY	VP OF MARKETING & COMMUNCI	40.00	Highest	$127,558	$8,674	$136,232
MARK A JOHNSON	DIR COMM & ENVIRON RESOURCES	40.00	Highest	$123,605	$21,877	$145,482

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	$78,835,390	$78,018,415	$13,158,420	$816,975
2024	No data	No data	No data	No data
2023	$62,477,099	$62,781,544	$12,177,708	$-304,445
2022	$86,440,230	$85,703,782	$9,084,523	$736,448
2021	$56,523,582	$55,304,025	$14,779,223	$1,219,557
2020	$38,499,579	$38,193,579	$6,427,378	$306,000
2019	$36,351,329	$36,034,252	$5,168,842	$317,077
2018	$33,151,333	$33,019,992	$4,804,817	$131,341

RCAP SOLUTIONS INC FORMERLY RURAL HOUSING IMPROVEMENT INC