RURAL ACTION INC (EIN 311124220) - 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

1985

Legal Domicile

Principal Officer

DEBBIE PHILLIPS

Phone

7406774047

Tax Period

2023-01-01 to 2023-12-31

RURAL ACTION INC, founded in 1985, is a community nonprofit in the Community Improvement sector that reported $7.0M in total revenue in fiscal year 2023. Revenue surged 32% from the prior year, signaling strong growth momentum.

Mission

Rural Action's mission is to build a more just economy by developing the region's assets in environmentally, socially, and economically sustainable ways. We envision a region with clean streams and healthy forests, thriving family farms, meaningful livelihoods and vibrant communities, with people engaged as good stewards of the world they live in and working together to make this vision a reality. We do this work in promising economic sectors for our region.

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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 $6,653,308

Program Service Revenue $87,402

Investment Income $22,192

Other Revenue $257,326

TOTAL REVENUE $7,020,228

Expense Breakdown

Grants Paid $1,239,769

Salaries & Benefits $4,318,480

Fundraising Expenses $91,013

Program Expenses $5,787,208

Other Expenses $1,623,346

TOTAL EXPENSES $7,181,595

Year-over-Year Comparison

	2023	2022	Change
Revenue	$7,020,228	$5,315,874	+0.3%
Expenses	$7,181,595	$5,045,717	+0.4%
Net Income	$-161,367	$270,157	-1.6%

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

166

Volunteers

750

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

$87,745

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBBIE PHILLIPS	CHIEF EXECUTIVE OFFICER	40	Officer	$87,745	$0	$87,745
MARY ANN BORCH	CHAIR	2	Officer Director	$0	$0	$0
SAM MILLER	VICE-CHAIR	2	Officer Director	$0	$0	$0
SUSAN LOUGHRIDGE	TREASURER	2	Officer Director	$0	$0	$0
BILLIE KARIHER	SECRETARY	2	Officer Director	$0	$0	$0
DAVID BUTCHER	BOARD MEMBER	2.00	Director	$0	$0	$0
DR DAVID DESCUTNER	BOARD MEMBER	2	Director	$0	$0	$0
LAUREN DIKIS	BOARD MEMBER	2.00	Director	$0	$0	$0
DR ANA ROSADO FEGER	BOARD MEMBER	2	Director	$0	$0	$0
MIKE FORD	BOARD MEMBER	2	Director	$0	$0	$0
SALLY LINDER	BOARD MEMBER	2	Director	$0	$0	$0
DR SAUMYA PANT	BOARD MEMBER	2	Director	$0	$0	$0
KEITH WILBUR	BOARD MEMBER	2	Director	$0	$0	$0
KATRINA CARPENTER	BOARD MEMBER	2	Director	$0	$0	$0
YI-TING WANG	BOARD MEMBER	2	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	No data	No data	No data	No data
2023	$7,020,228	$7,181,595	$2,623,632	$-161,367
2022	$5,315,874	$5,045,717	$2,377,988	$270,157
2021	$4,307,921	$4,251,406	$1,800,530	$56,515
2020	$3,714,399	$3,720,501	$1,762,260	$-6,102

RURAL ACTION INC