RIPPLE INC (EIN 411657782) - 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

1990

Legal Domicile

Principal Officer

NEIL KOZLOWICZ

Phone

6122806364

Tax Period

2023-09-01 to 2024-08-31

RIPPLE INC, founded in 1990, is a small nonprofit in the Recreation & Sports sector that reported $679K in total revenue in fiscal year 2023. Expenses of $772K exceeded revenue, resulting in a 14% operating deficit.

Mission

NON-PROFIT, PARENT-LED USA SWIMMING COMPETITIVE YOUTH SWIM TEAM.

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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 $6,600

Program Service Revenue $628,448

Investment Income $317

Other Revenue $43,598

TOTAL REVENUE $678,963

Expense Breakdown

Grants Paid $0

Salaries & Benefits $420,960

Fundraising Expenses $0

Program Expenses $771,946

Other Expenses $350,986

TOTAL EXPENSES $771,946

Year-over-Year Comparison

	2023	2022	Change
Revenue	$678,963	$642,383	+0.1%
Expenses	$771,946	$618,971	+0.2%
Net Income	$-92,983	$23,412	-5.0%

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

209

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
NEIL KOZLOWSKI	TREASURER	Officer Director	$0	$0	$0
RACHEL GREEN	SECRETARY	Officer Director	$0	$0	$0
CHRISTINE CAHILL	BOARD MEMBER	Director	$0	$0	$0
CHINI ZEMAN	BOARD MEMBER	Director	$0	$0	$0
MAREN AHLBERG	BOARD MEMBER	Director	$0	$0	$0
PAM LUNDEQUAM	BOARD MEMBER	Director	$0	$0	$0
SARA MALY	BOARD MEMBER	Director	$0	$0	$0
ANN MARIE WINSKOWSKI	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
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

RIPPLE INC