Ruritan National Foundation (EIN 208830904) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1968

Legal Domicile

Phone

5406745431

Tax Period

2024-10-01 to 2025-09-30

Ruritan National Foundation, founded in 1968, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $680K in total revenue in fiscal year 2017. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $257K, a strong 38% operating margin.

Mission

Providing financial assistance to qualified individuals or groups for educational, charitable, and benevolent activities. The Foundation provides educational scholarships and grants from the endowed funds it manages.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $153,303

Program Service Revenue $146,100

Investment Income $153,198

Other Revenue $6,290

TOTAL REVENUE $458,891

Expense Breakdown

Grants Paid $393,478

Salaries & Benefits $0

Fundraising Expenses $933

Program Expenses $448,519

Other Expenses $150,547

TOTAL EXPENSES $544,025

Year-over-Year Comparison

	2024	2023	Change
Revenue	$458,891	$702,545	-0.3%
Expenses	$544,025	$517,448	+0.1%
Net Income	$-85,134	$185,097	-1.5%

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

$68,771

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sarah Kelly	Executive Director	4.00	Officer	$0	$6,252	$68,771
Phillip Bradshaw	President	3.00	Officer Director	$0	$0	$0
OH Bobbitt III	Promotion Chair	3.00	Officer Director	$0	$0	$0
Clinton Guy Cox	President	3.00	Officer Director	$0	$0	$0
Josh Adams	Vice President	3.00	Officer Director	$0	$0	$0
Debra L Knesal	Treasurer	3.00	Officer Director	$0	$0	$0
Alex Sowers	Secretary	3.00	Officer 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	$458,891	$544,025	$6,734,455	$-85,134
2024	$702,545	$517,448	$6,457,129	$185,097
2023	$505,560	$589,082	$5,343,412	$-83,522
2022	$776,048	$524,930	$4,985,492	$251,118
2021	$604,011	$393,112	$6,218,634	$210,899
2020	$516,398	$421,507	$5,345,740	$94,891
2019	$449,388	$436,362	$5,199,583	$13,026
2018	$680,242	$422,961	$5,042,785	$257,281

Ruritan National Foundation