HOUSE OF RUTH (EIN 383145400) - 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

1994

Legal Domicile

Principal Officer

MARIA PEAK

Phone

5173164000

Tax Period

2024-10-01 to 2025-09-30

HOUSE OF RUTH, founded in 1994, is a small nonprofit in the Housing & Shelter sector that reported $528K in total revenue in fiscal year 2024.

Mission

TO PROVIDE VERY LOW-INCOME DISABLED PERSONS WITH HOUSING FACILITIES AND SERVICES.

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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 $104,465

Program Service Revenue $422,444

Investment Income $1,113

Other Revenue $0

TOTAL REVENUE $528,022

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $463,709

Other Expenses $522,995

TOTAL EXPENSES $522,995

Year-over-Year Comparison

	2024	2023	Change
Revenue	$528,022	$530,788	0.0%
Expenses	$522,995	$564,787	-0.1%
Net Income	$5,027	$-33,999	-1.1%

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

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
JAMES CALEB ADAMS	DIRECTOR	1.00	Director	$0	$0	$0
TIFFANI LYON	DIRECTOR	1.00	Director	$0	$0	$0
STEVE PEAK	RECORDING SECRETARY	1.00	Officer Director	$0	$0	$0
MARY GAGER DREW	CORRESPONDING SECRETARY	1.00	Officer Director	$0	$0	$0
JIM DEXTER	TREASURER	1.00	Officer Director	$0	$0	$0
LIBBY KLAISS	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
MARIA PEAK	PRESIDENT	1.00	Officer 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
2025	$528,022	$522,995	$594,288	$5,027
2024	$530,788	$564,787	$548,437	$-33,999
2023	$407,604	$348,796	$493,230	$58,808
2022	$435,537	$337,222	$481,037	$98,315
2021	$359,854	$320,336	$463,878	$39,518
2020	$278,570	$319,019	$458,388	$-40,449
2019	$275,688	$324,059	$447,694	$-48,371
2018	$243,707	$263,928	$397,176	$-20,221

HOUSE OF RUTH