RURAL MISSOURI INCORPORATED

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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

1966

Legal Domicile

Principal Officer

ZOLA FINCH

Phone

5736340560

Tax Period

2024-10-01 to 2025-09-30

RURAL MISSOURI INCORPORATED, founded in 1966, is a community nonprofit in the Employment sector that reported $3.6M in total revenue in fiscal year 2024. Net assets of $10.5M represent 35 months of operating reserves.

Mission

RMI'S PURPOSE IS TO FURTHER PROMOTE THE ECONOMIC AND COMMERCIAL DEVELOPMENT OF STATES SITUATED IN THE MIDWESTERN UNITED STATES, PROMOTE AND ASSIST THE GROWTH AND DEVELOPMENT OF SMALL BUSINESS CONCERNS WITHIN RMI'S SERVICE AREA TO BENEFIT RESIDENTS OF THE MIDWESTERN STATES AS MEASURED BY INCREASED EMPLOYMENT, PAYROLL, BUSINESS VOLUME, TAX BASE, AND CITIZEN RETENTION.

Program Service Accomplishments

Program 1

Expenses: $2,987,067 Revenue: $3,064,394

DURING FY25, RMI APPROVED 1 IRP LOAN TOTALING $80,746. DURING FY25, RMI FUNDED 1 INTERMEDIARY RELENDING PROGRAM (IRP) LOAN TOTALING $80,746 (ALL IRP LOANS THAT WERE APPROVED DURING THE FISCAL YEAR...

DURING FY25, RMI APPROVED 1 IRP LOAN TOTALING $80,746. DURING FY25, RMI FUNDED 1 INTERMEDIARY RELENDING PROGRAM (IRP) LOAN TOTALING $80,746 (ALL IRP LOANS THAT WERE APPROVED DURING THE FISCAL YEAR WERE ALSO FUNDED). SIX RMI DIRECT LOANS WERE APPROVED, TOTALING $1,317,511. APPROVALS FOR THE 504 LOAN PROGRAM FY 2025 WERE 7 KS LOANS TOTALING $10,837 MILLION; 17 AR SBA 504 LOANS TOTALING $12.491 MILLION; AND 34 MO SBA 504 LOANS TOTALING $49,193 MILLION; 1 FL SBA 504 LOAN TOTALING $500,000; 2 IL 504 LOANS TOTALING $6.567 MILLION RMI CREATED 374 JOBS AND RETAINED 981 JOBS.

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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 $0

Program Service Revenue $3,064,394

Investment Income $504,426

Other Revenue $0

TOTAL REVENUE $3,568,820

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,668,664

Fundraising Expenses $0

Program Expenses $2,987,067

Other Expenses $953,382

TOTAL EXPENSES $3,622,046

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,568,820	$3,350,894	+0.1%
Expenses	$3,622,046	$2,470,535	+0.5%
Net Income	$-53,226	$880,359	-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

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

$343,036

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLES HACHTEL	PRESIDENT	40.00	Officer Director	$0	$0	$0
GENE WISEMAN RETIRED 725	PAST PRESIDENT	40.00	Officer Director	$0	$0	$0
MICHAEL DENIGHT	VICE PRESIDENT	40.00	Officer Director	$0	$0	$0
SHAYNA LANE	SEC./TREAS.	40.00	Officer Director	$0	$0	$0
TIM HAGENHOFF	DIRECTOR	1.00	Director	$0	$0	$0
CHRISSY SHUMARD	DIRECTOR	1.00	Director	$0	$0	$0
JANE HOOD	DIRECTOR	1.00	Director	$0	$0	$0
EILEEN JENNINGS	DIRECTOR	1.00	Director	$0	$0	$0
KYLE THOMPSON	DIRECTOR	1.00	Director	$0	$0	$0
MARTIN SWOPE	DIRECTOR	1.00	Director	$0	$0	$0
JEFF SEIFRIED RETIRED 725	DIRECTOR	1.00	Director	$0	$0	$0
ZOLA FINCH	EXECUTIVE DIRECTOR	40.00	Officer	$312,381	$30,655	$343,036
MELINDA MURRAY	SR. LOAN OFFICER	40.00	Highest	$227,485	$40,087	$267,572
MARK DILIBERTO	SR. LOAN OFFICER	40.00	Highest	$203,054	$57,674	$260,728
WESLEY DARNELL	LOAN OFFICER	40.00	Highest	$162,224	$26,065	$188,289
LUCAS BERHOST	LOAN SERVICING MGR.	40.00	Highest	$126,999	$23,031	$150,030

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	$3,568,820	$3,622,046	$12,075,870	$-53,226
2024	$3,350,894	$2,470,535	$11,367,304	$880,359
2023	$3,116,015	$2,597,276	$10,376,576	$518,739
2022	$2,995,423	$2,720,482	$9,731,881	$274,941
2021	$3,048,536	$2,590,513	$9,525,271	$458,023
2021	$3,058,533	$2,594,493	$9,549,573	$464,040
2020	$2,825,300	$2,399,821	$9,198,711	$425,479
2019	$2,400,733	$2,188,180	$8,926,247	$212,553
2018	$2,292,954	$1,901,204	$8,770,627	$391,750