NATIONAL RURAL LETTER CARRIERS' ASSOCIATION (EIN 237235449) - 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

CHRISTINE DENINO

Phone

8155410430

Tax Period

2023-07-01 to 2024-06-30

NATIONAL RURAL LETTER CARRIERS ASSOCIATION, founded in 1903, is a small nonprofit that reported $505K in total revenue in fiscal year 2018.

Mission

FOR THE STUDY AND ADOPTION OF THE BEST METHODS OF PERFORMING THE DUTIES OF THE RURAL DELIVERY

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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 $2,970

Program Service Revenue $508,255

Investment Income $20,639

Other Revenue $15,745

TOTAL REVENUE $547,609

Expense Breakdown

Grants Paid $0

Salaries & Benefits $227,126

Fundraising Expenses $0

Other Expenses $341,098

TOTAL EXPENSES $568,224

Year-over-Year Comparison

	2023	2022	Change
Revenue	$547,609	$498,454	+0.1%
Expenses	$568,224	$519,100	+0.1%
Net Income	$-20,615	$-20,646	0.0%

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

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

$143,113

Total Directors

$188,445

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTINE DENINO	SECRETARY/TR	60.00	Officer Director	$88,227	$24,600	$112,827
LISA GRUBAR	PAST PRESIDE	5.00	Director	$4,490	$0	$4,490
PAMELA SHUMARD	STATE VICE P	5.00	Officer Director	$11,059	$0	$11,059
LISA NAAS	STATE PRESID	5.00	Officer Director	$19,227	$0	$19,227
SARAH KINCADE	EXECUTIVE CO	3.00	Director	$9,227	$0	$9,227
DAWN ROWANE	EXECUTIVE CO	3.00	Director	$10,561	$0	$10,561
MATTHEW FLOOD	EXECTUIVE CO	3.00	Director	$8,893	$0	$8,893
GEANINE ORAM	EXECUTIVE CO	3.00	Director	$12,161	$0	$12,161

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	$547,609	$568,224	$759,192	$-20,615
2023	$498,454	$519,100	$775,773	$-20,646
2022	$500,829	$439,589	$798,979	$61,240
2021	$501,218	$577,469	$727,438	$-76,251
2020	$512,301	$488,348	$808,232	$23,953
2019	$505,297	$521,565	$786,818	$-16,268

NATIONAL RURAL LETTER CARRIERS' ASSOCIATION