RICHARD & KATHERINE RIPLEY EDUCATIONAL TRUST (EIN 367370344) - 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

2001

Legal Domicile

Principal Officer

TAMRA INMAN

Phone

2174654154

Tax Period

2025-01-01 to 2025-12-31

RICHARD & KATHERINE RIPLEY EDUCATIONAL TRUST, founded in 2001, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $2K in total revenue in fiscal year 2025. Revenue fell 66% from the prior year — a significant decline worth monitoring. Expenses of $4K exceeded revenue, resulting in a 62% operating deficit.

Mission

TO PROVIDE SCHOLARSHIPS TO OAKLAND HIGH SCHOOL OAKLAND, IL STUDENTS IN THE AREA OF ART, SCIENCE, BUSINESS OR TEACHING

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $2,417

Other Revenue $0

TOTAL REVENUE $2,417

Expense Breakdown

Grants Paid $1,864

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,864

Other Expenses $2,055

TOTAL EXPENSES $3,919

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,417	$7,183	-0.7%
Expenses	$3,919	$2,948	+0.3%
Net Income	$-1,502	$4,235	-1.4%

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

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
TAMRA INMAN	SENIOR TRUST OFFICER	0.00	Officer	$0	$0	$0
MICHELLE VAUGHN	TRUST OFFICER	0.00	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
2025	$2,417	$3,919	$110,403	$-1,502
2024	$7,183	$2,948	$111,905	$4,235
2023	$2,008	$1,976	$107,670	$32
2022	$208	$2,573	$107,638	$-2,365
2021	$701	$2,594	$110,003	$-1,893
2020	$1,972	$2,287	$111,896	$-315

RICHARD & KATHERINE RIPLEY EDUCATIONAL TRUST