RDI FINANCIAL INC (EIN 450640952) - 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

2015

Legal Domicile

Principal Officer

TOM JACOBSON

Phone

4064545722

Tax Period

2018-01-01 to 2018-12-31

RDI FINANCIAL INC, founded in 2015, is a micro nonprofit that reported $63K in total revenue in fiscal year 2018. Revenue decreased 6% compared to the prior year. Expenses of $158K exceeded revenue, resulting in a 151% operating deficit.

Mission

THE MISSION IS TO INCREASE ECONOMIC OPPORTUNITIES AND FINANCIAL SECURITY OF INDIVIDUALS AND SMALL BUSINESSES BY PROVIDING SAFE AND AFFORDABLE FINANCIAL PRODUCTS AND DEVELOPMENT 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 (2018)

Revenue Breakdown

Contributions & Grants $16,267

Program Service Revenue $3,295

Investment Income $38,195

Other Revenue $5,258

TOTAL REVENUE $63,015

Expense Breakdown

Grants Paid $0

Salaries & Benefits $34,026

Fundraising Expenses $0

Program Expenses $13,544

Other Expenses $123,871

TOTAL EXPENSES $157,897

Year-over-Year Comparison

	2018	2017	Change
Revenue	$63,015	$67,205	-0.1%
Expenses	$157,897	$115,880	+0.4%
Net Income	$-94,882	$-48,675	+0.9%

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

N/A

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

$30,322

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL BEECHER	CHAIR	1.00	Officer Director	$0	$0	$0
MIKE DEMARCO	TREASURER	3.00	Officer Director	$0	$0	$0
JANE WEBER	VICE CHAIR	1.00	Officer Director	$0	$0	$0
DAVE FINK	DIRECTOR	1.00	Director	$0	$0	$0
KATHY LAURIN	DIRECTOR	1.00	Director	$0	$0	$0
MAUREEN RUDE	DIRECTOR	1.00	Director	$0	$0	$0
REBECCA RICHARDS	DIRECTOR	1.00	Director	$0	$0	$0
MELISSA DARKO	EXECUTIVE DIRECTOR	40.00	Officer	$27,864	$2,458	$30,322

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
2018	$63,015	$157,897	No data	$-94,882
2016	$109,438	$154,846	$1,275,227	$-45,408

RDI FINANCIAL INC