NATIONAL RURAL LETTER CARRIERS ASSOCIATION (EIN 351514738) - 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

1904

Legal Domicile

Principal Officer

JUSTIN M WILLIAMS

Phone

8123746900

Tax Period

2024-07-01 to 2025-06-30

NATIONAL RURAL LETTER CARRIERS ASSOCIATION, founded in 1904, is a small nonprofit that reported $341K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $532K exceeded revenue, resulting in a 56% operating deficit.

Mission

LABOR ACTIVITY ORGANIZATION

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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 (2024)

Revenue Breakdown

Contributions & Grants $249,018

Program Service Revenue $0

Investment Income $25,284

Other Revenue $66,727

TOTAL REVENUE $341,029

Expense Breakdown

Grants Paid $0

Salaries & Benefits $173,105

Fundraising Expenses $0

Other Expenses $358,879

TOTAL EXPENSES $531,984

Year-over-Year Comparison

	2024	2023	Change
Revenue	$341,029	$308,471	+0.1%
Expenses	$531,984	$321,948	+0.7%
Net Income	$-190,955	$-13,477	+13.2%

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

N/A

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

$105,835

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JUSTIN M WILLIAMS	SECRETARYTREASURER	30.00	Officer	$67,853	$0	$67,853
CYNTHIA L WEBB	PRESIDENT	5.00	Officer	$14,066	$0	$14,066
VICTORIA L FALKENBERRY	EXECUTIVE BOARD MEMBER	4.00	Officer	$7,410	$0	$7,410
MATTHEW R PHILLIPS	EXECUTIVE BOARD MEMBER	1.00	Officer	$4,872	$0	$4,872
BARRY A RUTHERFORD	EXECUTIVE BOARD MEMBER	1.00	Officer	$4,254	$0	$4,254
ALICE M COBBLE	EXECUTIVE BOARD MEMBER	1.00	Officer	$4,203	$0	$4,203
CLARICE D ROBERTS	EXECUTIVE BOARD MEMBER	1.00	Officer	$2,457	$0	$2,457
KRISTIE M PELLMAN	EXECUTIVE BOARD MEMBER	1.00	Officer	$360	$0	$360
AMANDA C BAKER	EXECUTIVE BOARD MEMBER	1.00	Officer	$343	$0	$343
KARA L STEVENS	EXECUTIVE BOARD MEMBER	1.00	Officer	$17	$0	$17

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
2025	$341,029	$531,984	$689,060	$-190,955
2024	$308,471	$321,948	$894,494	$-13,477
2023	$298,696	$337,866	$903,654	$-39,170
2022	$336,476	$291,678	$943,433	$44,798
2021	$335,179	$189,047	$894,484	$146,132

NATIONAL RURAL LETTER CARRIERS ASSOCIATION