Rural Community Action Ministry

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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

1970

Legal Domicile

Principal Officer

Janice Daku

Phone

2075245095

Tax Period

2023-07-01 to 2024-06-30

Rural Community Action Ministry, founded in 1970, is a small nonprofit in the Human Services sector that reported $386K in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $84K, a strong 22% operating margin.

Mission

Our purpose is to work with people to meet their needs for safe and adequate shelter, clothing, food and basic well-being in a manner that maintains or improves their self worth and dignity.

Program Service Accomplishments

Program 1

Homeless Prevention and Shelter Services - Our Shelter Services Coordinator assists those people who are homeless or at risk of becoming homeless. They determine needs and work to determine what...

Homeless Prevention and Shelter Services - Our Shelter Services Coordinator assists those people who are homeless or at risk of becoming homeless. They determine needs and work to determine what kinds of assistance RCAM can provide. Example of services are eviction prevention, prevent electric service disconnection, partial rent payment or security deposit, heating fuelwinter months only, food pantry contact and where to find clothing and furniture. RCAM operates a two-unit duplex shelter for homeless families. The families may stay in the shelter for a limited time. The Transitional Unit is available to one family for up to two years. This family most often is one that has stayed for a bit of time at our homeless shelter and needs additional time to seek employment and all that is needed to sustain independence.

Program 2

Expenses: $244,903

Our Housing Services offer low cost repairs to respond to the need of low-income individuals, families, elderly or differently abled clients by providing minor home repairs and housing...

Our Housing Services offer low cost repairs to respond to the need of low-income individuals, families, elderly or differently abled clients by providing minor home repairs and housing rehabilitation. The work is done by professionals and volunteers from the immediate community to across the country who work to support and assist all RCAM services and clients.

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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 $316,985

Program Service Revenue $30,653

Investment Income $11,661

Other Revenue $26,897

TOTAL REVENUE $386,196

Expense Breakdown

Grants Paid $0

Salaries & Benefits $168,680

Fundraising Expenses $0

Program Expenses $244,903

Other Expenses $133,839

TOTAL EXPENSES $302,519

Year-over-Year Comparison

	2023	2022	Change
Revenue	$386,196	$351,282	+0.1%
Expenses	$302,519	$346,274	-0.1%
Net Income	$83,677	$5,008	+15.7%

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

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

$50,003

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Janice E Daku	Executive Director	040.00	Officer	$50,003	$0	$50,003
John Blancato	Chair	001.00	Officer Director	$0	$0	$0
Joyce Pratt	Vice Chair	001.00	Officer Director	$0	$0	$0
Virginia Andrews	Secretary	001.00	Officer Director	$0	$0	$0
Robert English	Treasurer	001.00	Officer Director	$0	$0	$0
Ellen Eldridge	Director	001.00	Director	$0	$0	$0
Deb Hase	Director	001.00	Director	$0	$0	$0
Brittany Milligan	Director	001.00	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	$386,196	$302,519	$825,063	$83,677
2023	$351,282	$346,274	$741,275	$5,008
2022	$468,949	$378,784	$763,722	$90,165
2021	$421,282	$348,482	$661,864	$72,800
2020	$298,283	$320,209	$656,940	$-21,926
2019	$305,844	$331,106	$614,927	$-25,262
2018	$378,197	$426,154	$643,568	$-47,957