RUSHMORE CONSUMER CREDIT RESOURCE CENTER (EIN 237364664) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1974

Legal Domicile

Principal Officer

BONNIE SPAIN

Phone

6053484550

Tax Period

2024-01-01 to 2024-12-31

RUSHMORE CONSUMER CREDIT RESOURCE CENTER, founded in 1974, is a small nonprofit in the Human Services sector that reported $581K in total revenue in fiscal year 2018.

Mission

IMPROVING FINANCIAL STABILITY THROUGH EDUCATION FOR A LIFETIME OF FINANCIAL WELL-BEING.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $226,358

Program Service Revenue $40,414

Investment Income $509,890

Other Revenue $85,016

TOTAL REVENUE $861,678

Expense Breakdown

Grants Paid $540

Salaries & Benefits $216,905

Fundraising Expenses $0

Program Expenses $266,939

Other Expenses $134,495

TOTAL EXPENSES $351,940

Year-over-Year Comparison

	2024	2023	Change
Revenue	$861,678	$348,125	+1.5%
Expenses	$351,940	$353,524	0.0%
Net Income	$509,738	$-5,399	-95.4%

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

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

$84,728

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BONNIE SPAIN	EXECUTIVE DI	40.00	Officer	$84,411	$317	$84,728
DEEANN M DIETRICH	CHAIRWOMAN	2.00	Officer Director	$0	$0	$0
CAROLYN A TEIGEN	VICE CHAIRWO	2.00	Officer Director	$0	$0	$0
MELISSA K MONTGOMERY	TREASURER	2.00	Officer Director	$0	$0	$0
KATHERINE DENISON	SECRETARY	2.00	Officer Director	$0	$0	$0
ELTON J FINCK	BOARD MEMBER	1.00	Director	$0	$0	$0
CURTIS S JENSEN	BOARD MEMBER	1.00	Director	$0	$0	$0
RICK S KAHLER	BOARD MEMBER	1.00	Director	$0	$0	$0
DAPHNE G PEREZ	BOARD MEMBER	1.00	Director	$0	$0	$0
TINA M RAWSTERN	BOARD MEMBER	1.00	Director	$0	$0	$0
AMY R THOMPSON	BOARD MEMBER	1.00	Director	$0	$0	$0
COREY R WEBER	BOARD MEMBER	1.00	Director	$0	$0	$0
RICK L BRADY	BOARD MEMBER	1.00	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
2024	$861,678	$351,940	$1,518,381	$509,738
2023	$348,125	$353,524	$1,126,274	$-5,399
2022	$326,130	$344,221	$1,146,288	$-18,091
2021	$416,877	$487,141	$1,176,938	$-70,264
2020	$507,022	$528,040	$1,273,131	$-21,018
2019	$672,497	$614,982	$1,321,170	$57,515
2018	$580,809	$611,129	$1,252,417	$-30,320

RUSHMORE CONSUMER CREDIT RESOURCE CENTER