RAMSEY CHARITABLE TRUST INC (EIN 462520224) - 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

2013

Legal Domicile

Principal Officer

JEFF K RAMSEY

Phone

5053074009

Tax Period

2024-01-01 to 2024-12-31

RAMSEY CHARITABLE TRUST INC, founded in 2013, is a micro nonprofit in the Youth Development sector that reported $60K in total revenue in fiscal year 2024. Revenue fell 49% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $22K, a strong 36% operating margin.

Mission

BE THE CHANGE AND MAKE A DIFFERENCE; DO THE UNEXPECTED - "PAY IT FORWARD" - MAKE SOMEBODY'S DAY.

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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 $44,123

Program Service Revenue $0

Investment Income $0

Other Revenue $15,939

TOTAL REVENUE $60,062

Expense Breakdown

Grants Paid $21,495

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $38,200

Other Expenses $16,705

TOTAL EXPENSES $38,200

Year-over-Year Comparison

	2024	2023	Change
Revenue	$60,062	$117,781	-0.5%
Expenses	$38,200	$98,180	-0.6%
Net Income	$21,862	$19,601	+0.1%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFF RAMSEY	PRESIDENT	15.00	Director	$0	$0	$0
ANTOINETTE RAMSEY	TREASURER/SECRETARY	15.00	Director	$0	$0	$0
THERESA GALLEGOS	VP OPERATIONS	15.00	Director	$0	$0	$0
ROSE ESPINDA	VP OPERATIONS	15.00	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	$60,062	$38,200	$29,438	$21,862
2022	$61,976	$29,073	$9,482	$32,903

RAMSEY CHARITABLE TRUST INC