NATIONAL RURAL LETTER CARRIERS ASSOCIATION (EIN 237235345) - 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

1903

Legal Domicile

Principal Officer

Timothy A Barker

Phone

3307352727

Tax Period

2024-07-01 to 2025-06-30

NATIONAL RURAL LETTER CARRIERS ASSOCIATION, founded in 1903, is a small nonprofit that reported $617K in total revenue in fiscal year 2024. Expenses of $766K exceeded revenue, resulting in a 24% operating deficit.

Mission

"THE OBJECT OF THE ASSOCIATION SHALL BE TO IMPROVE CONDITIONS OF LABOR WITH THE UNITED STATES POSTAL SERVICE ADVANCE THE METHODS USED BY RURAL CARRIERS AND PROMOTE FRATERNAL SPRIT AMONGST ITS MEMBERS."

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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 $560,071

Investment Income $29,982

Other Revenue $26,784

TOTAL REVENUE $616,837

Expense Breakdown

Grants Paid $0

Salaries & Benefits $294,011

Fundraising Expenses $0

Program Expenses $307,797

Other Expenses $472,202

TOTAL EXPENSES $766,213

Year-over-Year Comparison

	2024	2023	Change
Revenue	$616,837	$632,589	0.0%
Expenses	$766,213	$736,880	+0.0%
Net Income	$-149,376	$-104,291	+0.4%

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

N/A

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

$210,090

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Timothy A Barker	President	35.00	Officer	$16,673	$0	$16,673
Nathan A Acker	Vice President	20.00	Officer	$12,252	$0	$12,252
Christopher M Mccoy	Committeeman	20.00	Officer	$343	$0	$343
Penny S Koren	Secretary-Treasurer	46.00	Officer Highest	$94,000	$0	$97,600
Lisa M Heaton	Committeeman	28.00	Officer	$42,269	$0	$42,269
Teresa A Slaughter	Committeeman	20.00	Officer	$12,408	$0	$12,408
Diana L Garner	Committeeman	20.00	Officer	$12,592	$0	$12,592
Charles D Laws	Committeeman	20.00	Officer	$15,953	$0	$15,953

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	$616,837	$766,213	$1,694,212	$-149,376
2024	$632,589	$736,880	$1,814,900	$-104,291
2023	$731,718	$808,939	$1,914,066	$-77,221
2022	$653,634	$585,952	$1,990,992	$67,682
2021	$632,261	$556,493	$1,904,163	$75,768

NATIONAL RURAL LETTER CARRIERS ASSOCIATION