RUTH HARBOR (EIN 421464150) - 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

1996

Legal Domicile

Principal Officer

CHRIS ELLER

Phone

5152794661

Tax Period

2024-01-01 to 2024-12-31

RUTH HARBOR, founded in 1996, is a small nonprofit in the Housing & Shelter sector that reported $770K in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year. Expenses of $727K left a modest 6% surplus.

Mission

RUTH HARBOR PROVIDES A HOME FOR YOUNG WOMEN WHERE THEY CAN RESIDE OR COME FOR SPECIFIC PROGRAMS TO HELP THEM THROUGH TROUBLED TIMES.

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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 $800,503

Program Service Revenue $0

Investment Income $19,588

Other Revenue $-50,041

TOTAL REVENUE $770,050

Expense Breakdown

Grants Paid $36,708

Salaries & Benefits $407,916

Fundraising Expenses $66,460

Program Expenses $461,915

Other Expenses $282,802

TOTAL EXPENSES $727,426

Year-over-Year Comparison

	2024	2023	Change
Revenue	$770,050	$816,366	-0.1%
Expenses	$727,426	$738,208	0.0%
Net Income	$42,624	$78,158	-0.5%

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

142

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

$83,500

Total Directors

$83,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRIS ELLER	EXECUTIVE DIRECTOR	40.00	Officer Director	$83,500	$0	$83,500
STEVE BOAL	PRESIDENT	6.00	Officer Director	$0	$0	$0
DAVID DOMINGUEZ	VICE-PRESIDENT	6.00	Officer Director	$0	$0	$0
MARTI SKOW	SECRETARY	6.00	Officer Director	$0	$0	$0
TIM LUBINUS	TREASURER	6.00	Officer Director	$0	$0	$0
ESTHER BLACK	MEMBER	2.00	Director	$0	$0	$0
SHANE BLACK	MEMBER	2.00	Director	$0	$0	$0
BETH EILERS	MEMBER	1.00	Director	$0	$0	$0
KYLEE MALIK	MEMBER	1.00	Director	$0	$0	$0
MIKE MCDONALD	MEMBER	1.00	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	$770,050	$727,426	$1,490,963	$42,624
2023	$816,366	$738,208	$1,442,499	$78,158
2022	$703,950	$791,812	$1,349,939	$-87,862
2021	$835,640	$563,810	$1,504,862	$271,830
2020	$454,373	$535,068	$1,304,148	$-80,695
2019	$470,566	$538,741	$1,310,565	$-68,175
2018	$1,083,483	$528,226	$1,382,252	$555,257

RUTH HARBOR