RIPPLE INC

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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

1990

Legal Domicile

Principal Officer

ERIN RIPPERGER

Phone

6127309251

Tax Period

2024-09-01 to 2025-08-31

RIPPLE INC, founded in 1990, is a small nonprofit in the Recreation & Sports sector that reported $733K in total revenue in fiscal year 2024.

Mission

PROMOTE AN INTEREST IN COMPETITIVE SWIMMING; TO DEVELOP THE FULLEST POTENTAIL OF THE SWIMMER, AND TO ENCOURAGE GOOD SPORTSMANSHIP, ENJOYMENT, INDIVIDUAL INTEGRITY, SELF-DISCPLINE AND TEAM PLAY.

Program Service Accomplishments

Program 1

Expenses: $766,922 Revenue: $733,014

THE HURRICANES ANNUALLY PROVIDES COMPETITIVE SWIMMING INSTRUCTIONS AND OPPORTUNITIES DIRECLTY TO 572 SWIMMERS, AGES 5 -18, AND TO OVER 390 SWIMMERS THROUGH HOSTED MEET EVENTS.

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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 $400

Program Service Revenue $637,528

Investment Income $18

Other Revenue $95,068

TOTAL REVENUE $733,014

Expense Breakdown

Grants Paid $0

Salaries & Benefits $464,214

Fundraising Expenses $0

Program Expenses $766,922

Other Expenses $302,708

TOTAL EXPENSES $766,922

Year-over-Year Comparison

	2024	2023	Change
Revenue	$733,014	$678,963	+0.1%
Expenses	$766,922	$771,946	0.0%
Net Income	$-33,908	$-92,983	-0.6%

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

Volunteers

400

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	Role	Reportable Comp	Other Comp	Total
ALICIA KROPELNICKI	PRESIDENT	Officer Director	$0	$0	$0
ERIN RIPPERGER	TREASURER	Officer Director	$0	$0	$0
KELLY NAKAMITSU	SECRETARY	Officer Director	$0	$0	$0
JUSTIN BESIKOF	BOARD MEMBER	Director	$0	$0	$0
KELLI LAW	BOARD MEMBER	Director	$0	$0	$0
PAM LUNDEQUAM	BOARD MEMBER	Director	$0	$0	$0
ANN MARIE WINSKOWSKI	BOARD MEMBER	Director	$0	$0	$0
CHANTEL ZIELKE	BOARD MEMBER	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	$733,014	$766,922	$172,781	$-33,908
2024	$678,963	$771,946	$213,845	$-92,983
2023	$642,383	$618,971	$305,877	$23,412
2022	$747,577	$626,878	$276,260	$120,699
2021	$485,998	$470,517	$155,561	$15,481
2020	$449,789	$428,224	$120,753	$21,565
2019	$557,777	$560,575	$99,188	$-2,798
2018	$509,296	$516,269	$101,986	$-6,973