City of Joy USA

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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

Joel M Ricker

Phone

6233491454

Tax Period

2019-01-01 to 2019-12-31

City of Joy USA, founded in 2013, is a small nonprofit that reported $110K in total revenue in fiscal year 2019. Revenue fell 72% from the prior year — a significant decline worth monitoring. Expenses of $184K exceeded revenue, resulting in a 67% operating deficit.

Mission

To promote the education, health, and welfare of children and adults in Rwanda.

Program Service Accomplishments

Program 1

Expenses: $172,549 Revenue: $0

Raising financial support for the education, health, and welfare of children and adults in the region of Gatagara, Rwanda through the work of City of Joy Rwanda.

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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 (2019)

Revenue Breakdown

Contributions & Grants $110,101

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $110,101

Expense Breakdown

Grants Paid $172,549

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $172,549

Other Expenses $11,664

TOTAL EXPENSES $184,213

Year-over-Year Comparison

	2019	2018	Change
Revenue	$110,101	$392,355	-0.7%
Expenses	$184,213	$444,243	-0.6%
Net Income	$-74,112	$-51,888	+0.4%

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
Joel Michael Ricker	President & Director	10.00	Officer Director	$0	$0	$0
Don Reddy	Vice President & Director	3.00	Officer Director	$0	$0	$0
Jeff Petruske	Treasurer & Director	3.00	Officer Director	$0	$0	$0
Kimberly M Ricker	Secretary & Director	3.00	Officer Director	$0	$0	$0
Theresa Lahti	Director	3.00	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
2019	$110,101	$184,213	No data	$-74,112
2018	$392,355	$444,243	$74,112	$-51,888