ENDLESS MOUNTAINS ASSOC (EIN 232181509) - 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

1961

Legal Domicile

Principal Officer

JEAN RUHF

Phone

5708365431

Tax Period

2023-07-01 to 2024-06-30

ENDLESS MOUNTAINS ASSOC, founded in 1961, is a small nonprofit that reported $516K in total revenue in fiscal year 2023. Revenue decreased 9% compared to the prior year. Expenses of $597K exceeded revenue, resulting in a 16% operating deficit.

Mission

TO PROMOTE TOURISM TO THE ENDLESS MOUNTAIN REGION OF PA

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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 (2023)

Revenue Breakdown

Contributions & Grants $454,364

Program Service Revenue $61,002

Investment Income $603

Other Revenue $0

TOTAL REVENUE $515,969

Expense Breakdown

Grants Paid $0

Salaries & Benefits $174,814

Fundraising Expenses $0

Program Expenses $531,860

Other Expenses $191,759

TOTAL EXPENSES $596,798

Year-over-Year Comparison

	2023	2022	Change
Revenue	$515,969	$570,126	-0.1%
Expenses	$596,798	$684,481	-0.1%
Net Income	$-80,829	$-114,355	-0.3%

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

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

$70,905

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEAN RUHF	DIRECTOR	40.00	Officer	$70,905	$0	$70,905
GARY KASCHAK	VICE PRESIDE	N/A	Officer	$0	$0	$0
WILLIE NORTON	SECRETARY /T	N/A	Officer	$0	$0	$0
ERICA ROGLER	PRESIDENT	N/A	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	No data	No data	No data	No data
2024	$515,969	$596,798	$649,047	$-80,829
2023	$570,126	$684,481	$730,414	$-114,355
2022	$631,925	$587,945	$845,640	$43,980
2021	$548,184	$466,145	$799,460	$82,039
2020	$532,008	$552,565	$716,480	$-20,557
2019	$580,742	$585,307	$738,011	$-4,565

ENDLESS MOUNTAINS ASSOC