THE RUTH INSTITUTE (EIN 463647313) - 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

JENNIFER MORSE

Phone

9134267150

Tax Period

2024-01-01 to 2024-12-31

THE RUTH INSTITUTE, founded in 2013, is a small nonprofit in the Mental Health sector that reported $439K in total revenue in fiscal year 2024. Revenue fell 24% from the prior year — a significant decline worth monitoring.

Mission

PROMOTE MARRIAGE

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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 $425,372

Program Service Revenue $0

Investment Income $0

Other Revenue $13,999

TOTAL REVENUE $439,371

Expense Breakdown

Grants Paid $0

Salaries & Benefits $325,998

Fundraising Expenses $0

Program Expenses $428,413

Other Expenses $102,415

TOTAL EXPENSES $428,413

Year-over-Year Comparison

	2024	2023	Change
Revenue	$439,371	$578,278	-0.2%
Expenses	$428,413	$641,251	-0.3%
Net Income	$10,958	$-62,973	-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

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

$124,822

Total Directors

$64,731

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER ROBACK MORSE PHD	FOUNDER & PRESIDENT	26.00	Officer Director	$64,731	$0	$64,731
MIGUEL AGUILAR	BOARD MEMBER	0.00	Director	$0	$0	$0
WALTER HOYE II REVEREND	BOARD MEMBER	0.00	Director	$0	$0	$0
ROBERT MORSE	BOARD MEMBER	0.00	Director	$0	$0	$0
STEPHEN HICKS	BOARD MEMBER	0.00	Director	$0	$0	$0
RACHEL GOLDEN	TREASURER	36.00	Officer	$45,080	$0	$45,080
ELIZABETH KEREKES	SECRETARY	15.50	Officer	$15,011	$0	$15,011

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	$439,371	$428,413	$72,732	$10,958
2023	$578,278	$641,251	$64,410	$-62,973
2022	$821,755	$855,756	$127,360	$-34,001
2021	$669,295	$684,741	$165,890	$-15,446
2020	$615,461	$602,069	$181,721	$13,392

THE RUTH INSTITUTE