TWO TOP RURITAN (EIN 237082596) - 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

1969

Legal Domicile

Principal Officer

JOE GEHR

Phone

7173289837

Tax Period

2023-10-01 to 2024-09-30

TWO TOP RURITAN, founded in 1969, is a micro nonprofit that reported $47K in total revenue in fiscal year 2023. Revenue fell 52% from the prior year — a significant decline worth monitoring. Expenses of $74K exceeded revenue, resulting in a 57% operating deficit.

Mission

TO CREATE A BETTER UNDERSTANDING AMONG PEOPLE AND MAKE THE COMMUNITY A BETTER PLACE IN WHICH TO WORK AND LIVE, THROUGH VOLUNTEER COMMUNITY SERVICE.

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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 $4,293

Program Service Revenue $0

Investment Income $1,213

Other Revenue $41,430

TOTAL REVENUE $46,936

Expense Breakdown

Grants Paid $41,052

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $68,186

Other Expenses $32,870

TOTAL EXPENSES $73,922

Year-over-Year Comparison

	2023	2022	Change
Revenue	$46,936	$97,748	-0.5%
Expenses	$73,922	$70,694	+0.0%
Net Income	$-26,986	$27,054	-2.0%

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

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
JOSEPH GEHR	PRESIDENT	4.00	Officer Director	$0	$0	$0
CINDY PICKING	SECRETARY	4.00	Officer Director	$0	$0	$0
JOYCE ERNST	TREASURER	4.00	Officer Director	$0	$0	$0
CATHY WELLER	VICE PRESIDENT	4.00	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
2024	$46,936	$73,922	$457,240	$-26,986
2023	$97,748	$70,694	$484,226	$27,054
2022	$123,189	$97,278	$457,172	$25,911
2021	$99,287	$70,110	$457,367	$29,177
2020	$98,386	$76,255	$428,190	$22,131

TWO TOP RURITAN