RFD CDC (EIN 208250602) - 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

2007

Legal Domicile

Principal Officer

RONALD A RICE JR

Phone

3364631060

Tax Period

2024-07-01 to 2025-06-30

RFD CDC, founded in 2007, is a micro nonprofit in the Community Improvement sector that reported $11K in total revenue in fiscal year 2024. Revenue decreased 19% compared to the prior year. Expenses of $15K exceeded revenue, resulting in a 42% operating deficit.

Mission

FAITH-BASED ORGANIZATION THAT SEEKS TO BE A CATALYST FOR THE WELL-BEING OF RURAL AND/OR SMALL COMMUNITIES AND CONGREGATIONS.

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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 $10,816

Investment Income $0

Other Revenue $0

TOTAL REVENUE $10,816

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $7,525

Other Expenses $15,365

TOTAL EXPENSES $15,365

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,816	$13,281	-0.2%
Expenses	$15,365	$12,360	+0.2%
Net Income	$-4,549	$921	-5.9%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RONALD ALAN RICE JR	DIRECTOR/COO	40.00	Officer Director	$0	$0	$0
LUCY ROBBINS	PRESIDENT	1.00	Officer Director	$0	$0	$0
CAROL GOEHRING	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
GIL WISE	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
AMY COLES	DIRECTOR	1.00	Director	$0	$0	$0
TOM LAMBETH	DIRECTOR	1.00	Director	$0	$0	$0
KENNETH LOCKLEAR	DIRECTOR	1.00	Director	$0	$0	$0
JOE MANN	DIRECTOR	1.00	Director	$0	$0	$0
MARIE STUTTS	DIRECTOR	1.00	Director	$0	$0	$0
STEVE TAYLOR	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	$10,816	$15,365	$6,314	$-4,549
2024	No data	No data	No data	No data
2023	$2,331	$81,608	$8,683	$-79,277
2022	$254,209	$310,341	$81,305	$-56,132
2021	$420,907	$367,436	$177,568	$53,471
2020	$309,065	$348,546	$104,683	$-39,481
2019	$271,615	$319,840	$96,510	$-48,225

RFD CDC