RUAH GROUP INTERNATIONAL INC (EIN 271653864) - 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

2010

Legal Domicile

Principal Officer

TERRY SMITH

Phone

5033133958

Tax Period

2023-01-01 to 2023-12-31

RUAH GROUP INTERNATIONAL INC, founded in 2010, is a micro nonprofit that reported $12K in total revenue in fiscal year 2023. Revenue fell 61% from the prior year — a significant decline worth monitoring. Expenses of $26K exceeded revenue, resulting in a 121% operating deficit.

Mission

PROVIDE ASSISTANCE TO THE POOR, DISTRESSED, UNDERPRIVILEGED, AND VULNERABLE, THROUGH RELIEF AND DEVELOPMENT ACTIVITIES AS WELL AS PROVIDING LOGISTICAL AND TECHNICAL SUPPORT IN THE DEPLOYMENT OF RELIEF AND DEVELOPMENT ACTIVITIES WHICH BRING OR INCREASE ACCESS TO FOOD, WATER, AND SHELTER FACILITIES AS WELL AS INCREASED ACCESS TO EDUCATIONAL AND TRAINING OPPORTUNITIES FOR THE POOR, DISTRESSED, UNDERPRIVILEGED AND VULNERABLE.

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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 $11,648

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $11,648

Expense Breakdown

Grants Paid $0

Salaries & Benefits $15,935

Fundraising Expenses $0

Program Expenses $13,756

Other Expenses $9,772

TOTAL EXPENSES $25,707

Year-over-Year Comparison

	2023	2022	Change
Revenue	$11,648	$29,979	-0.6%
Expenses	$25,707	$46,851	-0.5%
Net Income	$-14,059	$-16,872	-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
GREG KAUFER	VICE PRESIDE	N/A	Officer	$0	$0	$0
VALERIE KAUFER	TREASURER	N/A	Officer	$0	$0	$0
HOLLY SCHERMERHORN	BOARD MEMBER	N/A	Officer	$0	$0	$0
RIAN SCHERMERHORN	SECRETARY	N/A	Officer	$0	$0	$0
LISA SMITH	BOARD MEMBER	N/A	Officer	$0	$0	$0
TERRY SMITH	PRESIDENT	N/A	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	$11,648	$25,707	$2,549	$-14,059
2022	$29,979	$46,851	$16,623	$-16,872
2021	$29,169	$75,244	$33,661	$-46,075
2020	$76,932	$84,911	$79,966	$-7,979
2019	$126,423	$74,114	$88,144	$52,309
2018	$26,562	$67,170	$36,113	$-40,608
2017	$105,082	$66,637	$76,762	$38,445

RUAH GROUP INTERNATIONAL INC