RSF SOCIAL FINANCE INC (EIN 136082763) - 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

1936

Legal Domicile

Principal Officer

JASPER J VAN BRAKEL

Phone

4155613900

Tax Period

2024-01-01 to 2024-12-31

RSF SOCIAL FINANCE INC, founded in 1936, is a mid-sized nonprofit in the Social Science sector that reported $41.0M in total revenue in fiscal year 2024. Revenue fell 21% from the prior year — a significant decline worth monitoring. Expenses of $62.3M exceeded revenue, resulting in a 52% operating deficit.

Mission

LENDING AND GRANTMAKING TO NOT-FOR-PROFIT AND SOCIALLY BENEFICIAL ORGANIZATIONS.

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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 $38,843,319

Program Service Revenue $54,273

Investment Income $2,095,860

Other Revenue $0

TOTAL REVENUE $40,993,452

Expense Breakdown

Grants Paid $60,394,155

Salaries & Benefits $1,271,461

Fundraising Expenses $0

Program Expenses $61,547,252

Other Expenses $604,909

TOTAL EXPENSES $62,270,525

Year-over-Year Comparison

	2024	2023	Change
Revenue	$40,993,452	$51,926,640	-0.2%
Expenses	$62,270,525	$48,338,952	+0.3%
Net Income	$-21,277,073	$3,587,688	-6.9%

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

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

$1,882,300

Total Directors

$488,700

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JASPER J VAN BRAKEL	CEO/TRUSTEE	16.00	Officer Director	$483,000	$5,700	$488,700
ELISSA SANGALLI	BOARD CO-CHAIR	1.00	Officer Director	$0	$0	$0
LEE MERKLE-RAYMOND	BOARD CO-CHAIR	1.00	Officer Director	$0	$0	$0
CJ CALLEN	TRUSTEE	1.00	Director	$0	$0	$0
TAYLOR JORDAN	TRUSTEE	1.00	Director	$0	$0	$0
AMIR KIRKWOOD	TRUSTEE	1.00	Director	$0	$0	$0
JC LIONTI	TRUSTEE START 5/2024	1.00	Director	$0	$0	$0
KONDA MASON	TRUSTEE THRU 5/2024	1.00	Director	$0	$0	$0
DR DAVID E MCCLEAN	TRUSTEE	1.00	Director	$0	$0	$0
DEREK E PEEBLES	TRUSTEE START 11/2024	1.00	Director	$0	$0	$0
INGRID RYAN	TRUSTEE THRU 5/2024	1.00	Director	$0	$0	$0
STEPHANIE RYNAS	TRUSTEE	1.00	Director	$0	$0	$0
ANNE J WHITE	TRUSTEE START 11/2024	1.00	Director	$0	$0	$0
SYLVIA LEE	TREASURER AND VP OF FINANCE	16.00	Officer	$246,649	$2,500	$249,149
MICHAEL JONES	VP, LENDING BUSINESS DEVELOPMENT	16.00	Officer	$206,833	$2,500	$209,333
ERIKA WILLIAMS	VP, INTEGRATED CAPITAL THRU 2/2024	16.00	Officer	$125,744	$792	$126,536
MICHELLE BRUNO	CHIEF OPERATING OFFICER	16.00	Officer	$331,500	$5,800	$337,300
DANA STRANZ	VP, CREDIT AND RISK	16.00	Officer	$224,791	$2,800	$227,591
KATHLEEN PAYLOR	VP, IMPACT INVESTING & PHILANTHROPY	16.00	Officer	$240,016	$3,675	$243,691
BEN GORDON	DIRECTOR, CREDIT	16.00	Highest	$145,050	$5,500	$150,550
MICHAEL BART	DIRECTOR, LOAN & INVESTMENT OPERATIONS	16.00	Highest	$138,231	$2,188	$140,419
JON WEBB	SENIOR MANAGER, ACCOUNTING	16.00	Highest	$137,985	$8,280	$146,265
AMY BIRD	DIRECTOR, LENDING	16.00	Highest	$129,277	$9,392	$138,669
AMY HERSMAN	EXECUTIVE ASSISTANT	16.00	Highest	$117,387	$4,717	$122,104

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	$40,993,452	$62,270,525	$108,388,243	$-21,277,073
2023	$51,926,640	$48,338,952	$129,532,472	$3,587,688
2022	$35,449,259	$44,402,782	$128,983,791	$-8,953,523
2021	$48,559,200	$49,614,746	$145,244,787	$-1,055,546
2020	$60,274,024	$47,340,794	$147,407,781	$12,933,230
2019	$36,821,573	$34,974,531	$146,856,383	$1,847,042
2018	$96,142,547	$29,370,365	$207,417,473	$66,772,182

RSF SOCIAL FINANCE INC