RURAL AMERICA INITIATIVES (EIN 460390273) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1986

Legal Domicile

Principal Officer

BRUCE LONG FOX

Phone

6053413339

Tax Period

2024-01-01 to 2024-12-31

RURAL AMERICA INITIATIVES, founded in 1986, is a community nonprofit in the Community Improvement sector that reported $8.5M in total revenue in fiscal year 2018. The organization ran a surplus of $2.5M, a strong 29% operating margin.

Mission

IMPROVE HEALTH & EDUCATIONAL RESOURCES AVAILABLE TO URBAN NATIVE AMERICANS

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $9,729,128

Program Service Revenue $37,225

Investment Income $50,364

Other Revenue $0

TOTAL REVENUE $9,816,717

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,685,046

Fundraising Expenses $129,993

Program Expenses $7,028,484

Other Expenses $3,319,683

TOTAL EXPENSES $8,004,729

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,816,717	$8,457,937	+0.2%
Expenses	$8,004,729	$7,651,152	+0.0%
Net Income	$1,811,988	$806,785	+1.2%

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

167

Volunteers

130

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

$124,399

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAROL MARSHALL-COON	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
MARY KATI PECHOTA	VICE CHAIRPERSON	1.00	Officer Director	$0	$0	$0
TAMMY VALDEZ	TREASURER	1.00	Officer Director	$0	$0	$0
KATHERINE LABONTE	SECRETARY	1.00	Officer Director	$0	$0	$0
MONICA GARREAU SCHMIT	BOARD MEMBER	1.00	Director	$0	$0	$0
DENISE MURPHY	BOARD MEMBER	1.00	Director	$0	$0	$0
CHUCK ROBERTSON JR	BOARD MEMBER	1.00	Director	$0	$0	$0
BRUCE LONG FOX	EXECUTIVE DIRECTOR	40.00	Officer	$123,880	$519	$124,399

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	$9,816,717	$8,004,729	$14,387,373	$1,811,988
2023	$8,457,937	$7,651,152	$12,432,496	$806,785
2022	$8,051,028	$7,485,591	$11,691,117	$565,437
2021	$7,975,941	$6,398,207	$11,020,564	$1,577,734
2020	$6,507,896	$6,598,879	$9,839,197	$-90,983
2019	$6,712,743	$6,770,672	$10,675,941	$-57,929
2018	$8,545,830	$6,039,838	$9,651,088	$2,505,992

RURAL AMERICA INITIATIVES