RCAP SOLUTIONS FINANCIAL SERVICES INC (EIN 205660521) - 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

2006

Legal Domicile

Principal Officer

BRIAN SCALES

Phone

8004881969

Tax Period

2022-07-01 to 2023-06-30

RCAP SOLUTIONS FINANCIAL SERVICES INC, founded in 2006, is a small nonprofit that reported $215K in total revenue in fiscal year 2022. Revenue surged 43% from the prior year, signaling strong growth momentum. The organization ran a surplus of $86K, a strong 40% operating margin.

Mission

PROVIDE LOANS FOR INDIVIDUALS AND FAMILIES FOR HOME REPAIR AND FOR HELPING DISABLED 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 (2022)

Revenue Breakdown

Contributions & Grants $32,000

Program Service Revenue $179,097

Investment Income $251

Other Revenue $3,800

TOTAL REVENUE $215,148

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $103,585

Other Expenses $129,303

TOTAL EXPENSES $129,303

Year-over-Year Comparison

	2022	2021	Change
Revenue	$215,148	$150,052	+0.4%
Expenses	$129,303	$122,534	+0.1%
Net Income	$85,845	$27,518	+2.1%

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

$211,958

Total Directors

$211,958

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN SCALES	PRESIDENT & CEO/CLERK	6.00	Officer Director	$0	$12,907	$211,958
LAURA MCGEE	CHAIR	1.00	Officer Director	$0	$0	$0
TRACEY WEEDEN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
KEN REID	TREASURER	1.00	Officer Director	$0	$0	$0
CARL H ALLEN	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN BACHMAN	DIRECTOR	1.00	Director	$0	$0	$0
JULIE CAROLL	DIRECTOR	1.00	Director	$0	$0	$0
TIM GRINHAM	DIRECTOR	1.00	Director	$0	$0	$0
HENRY NOEL JR	DIRECTOR	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$215,148	$129,303	$14,891,250	$85,845
2022	$150,052	$122,534	$13,741,762	$27,518
2021	$143,939	$142,810	$13,066,355	$1,129
2020	$176,482	$166,482	$11,671,609	$10,000
2019	$248,977	$162,832	$11,039,311	$86,145
2018	$184,051	$172,250	$9,615,942	$11,801

RCAP SOLUTIONS FINANCIAL SERVICES INC