NATIONAL RURAL CARRIERS ASSOCIATION (EIN 237235428) - 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

1902

Legal Domicile

Principal Officer

SUZANNE MATTHEWS

Tax Period

2023-07-01 to 2024-06-30

NATIONAL RURAL CARRIERS ASSOCIATION, founded in 1902, is a small nonprofit that reported $297K in total revenue in fiscal year 2023. Net assets of $699K represent 28 months of operating reserves.

Mission

THE UNION REPRESENTS RURAL LETTER CARRIERS BEFORE THE USPS. IT MAKES SURE THE USPS FOLLOWS AND ADHERES TO THE CONTRACT SIGNED AND NEGOTIATED BY BOTH PARTIES.

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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 $239,418

Program Service Revenue $41,228

Investment Income $16,128

Other Revenue $0

TOTAL REVENUE $296,774

Expense Breakdown

Grants Paid $0

Salaries & Benefits $84,656

Fundraising Expenses $0

Program Expenses $313,214

Other Expenses $237,711

TOTAL EXPENSES $322,367

Year-over-Year Comparison

	2023	2022	Change
Revenue	$296,774	$280,659	+0.1%
Expenses	$322,367	$295,288	+0.1%
Net Income	$-25,593	$-14,629	+0.7%

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

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

$75,708

Total Directors

$75,708

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUZANNE MATTHEWS	TREASURER/SEC.	4.00	Officer Director	$31,898	$0	$31,898
TAMMI HEADRICK	President	4.00	Officer Director	$16,131	$0	$16,131
MICHAEL OLIVER	Executive Dir.	4.00	Officer Director	$6,772	$0	$6,772
RUBYROSE BAUTISTA	Executive Dir.	4.00	Officer Director	$5,002	$0	$5,002
SHAUNTAI PEARSON	Executive Dir.	4.00	Officer Director	$4,999	$0	$4,999
CAROLYN LANDERS	Executive Dir.	4.00	Officer Director	$4,638	$0	$4,638
DALE CHUNG	Executive Dir.	4.00	Officer Director	$2,454	$0	$2,454
CECILIA DAVENPORT	Executive Dir.	4.00	Officer Director	$2,450	$0	$2,450
CLAIRIECE BOOM	Executive Dir.	4.00	Officer Director	$1,000	$0	$1,000
TINA HILBERT	Executive Dir.	4.00	Officer Director	$364	$0	$364

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	$296,774	$322,367	$699,207	$-25,593
2023	$280,659	$295,288	$724,800	$-14,629
2022	$271,344	$197,592	$743,254	$73,752
2021	$266,297	$118,661	$665,677	$147,636
2020	$275,164	$215,063	$518,041	$60,101
2019	$262,990	$272,760	$457,940	$-9,770

NATIONAL RURAL CARRIERS ASSOCIATION