ST THOMAS AREA RURITAN CLUB (EIN 251365574) - 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

1979

Legal Domicile

Principal Officer

TINA M RUMMEL

Phone

7173694119

Tax Period

2023-01-01 to 2023-12-31

ST THOMAS AREA RURITAN CLUB, founded in 1979, is a micro nonprofit that reported $20K in total revenue in fiscal year 2023. Revenue decreased 15% compared to the prior year. Expenses of $31K exceeded revenue, resulting in a 51% operating deficit.

Mission

Fund raising for charity purposes in the St. Thomas area and surrounding township.

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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 $781

Program Service Revenue $0

Investment Income $157

Other Revenue $19,390

TOTAL REVENUE $20,328

Expense Breakdown

Grants Paid $5,675

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $5,675

Other Expenses $24,930

TOTAL EXPENSES $30,605

Year-over-Year Comparison

	2023	2022	Change
Revenue	$20,328	$24,026	-0.2%
Expenses	$30,605	$37,707	-0.2%
Net Income	$-10,277	$-13,681	-0.2%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CINDY ROBINSON-CROUSE	PRESIDENT	010.00	Officer	$0	$0	$0
RICKY DANZBERGER	VICE PRESIDENT	006.00	Officer	$0	$0	$0
TOM IACONA	SECRETARY	010.00	Officer	$0	$0	$0
TINA RUMMEL	TREASURER	008.00	Officer	$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	No data	No data	No data	No data
2023	$20,328	$30,605	$363,323	$-10,277
2022	$24,026	$37,707	$374,342	$-13,681
2021	$12,644	$27,376	$387,816	$-14,732
2020	$10,670	$46,532	$402,013	$-35,862
2019	$25,851	$41,923	$438,354	$-16,072
2018	$29,986	$33,181	$453,947	$-3,195

ST THOMAS AREA RURITAN CLUB