RAF Inc

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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

2005

Legal Domicile

Phone

9013332776

Tax Period

2024-07-01 to 2025-06-30

RAF Inc, founded in 2005, is a community nonprofit in the Recreation & Sports sector that reported $3.2M in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.5M, a strong 47% operating margin.

Mission

RAF FACILITATES VARIOUS INSURANCE PROGRAMS FOR THE BENEFIT OF NONPROFIT ORGANIZATIONS AND THEIR OFFICERS THROUGHOUT NORTH AMERICA. RAF ALSO SUPPORTS THE HEALTH AND SAFETY EDUCATIONAL INITIATIVES OF VARIOUS NONPROFIT ORGANIZATIONS AS WELL AS THEIR OFFICERS, ADVISORS, AND MEMBERS.

Program Service Accomplishments

Program 1

provide funding for EDUCATIONAL programming and resources and provide grants to pike university, inc.

Program 2

FACILITATE VARIOUS INSURANCE PROGRAMS FOR THE BENEFIT OF PARTICIPATING NONPROFIT ORGANIZATIONS AND THEIR OFFICERS AND ADVISORS.

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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 $0

Program Service Revenue $2,541,281

Investment Income $568,560

Other Revenue $92,960

TOTAL REVENUE $3,202,801

Expense Breakdown

Grants Paid $94,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $1,604,159

TOTAL EXPENSES $1,698,159

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,202,801	$2,831,156	+0.1%
Expenses	$1,698,159	$2,215,505	-0.2%
Net Income	$1,504,642	$615,651	+1.4%

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

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
JOHN M SILBERSTEIN	PRESIDENT	1.0	Officer Director	$0	$0	$0
THOMAS A UEBLER	VICE PRESIDENT	1.0	Officer Director	$0	$0	$0
MARK A ROBERTSON	DIRECTOR	1.0	Director	$0	$0	$0
MICHAEL MCMILLAN	DIRECTOR	1.0	Director	$0	$0	$0
THOMAS J OLSEN	DIRECTOR	1.0	Director	$0	$0	$0
JUSTIN A BUCK	CEO/SECRETARY/TREASURER	10.0	Officer	$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	$3,202,801	$1,698,159	$10,933,807	$1,504,642
2024	No data	No data	No data	No data
2023	$2,711,180	$2,181,564	$8,795,054	$529,616
2022	$2,393,891	$1,285,190	$8,413,645	$1,108,701
2021	$2,409,295	$2,147,175	$9,177,263	$262,120
2020	$2,142,040	$1,578,178	$7,028,402	$563,862
2019	$1,756,045	$1,716,182	$6,718,936	$39,863
2018	$2,098,661	$2,361,013	$7,004,645	$-262,352