CENTER FOR RURAL AFFAIRS COMMUNITY CAPITAL (EIN 470796719) - 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

1996

Legal Domicile

Principal Officer

BRIAN DEPEW

Phone

4026872100

Tax Period

2024-09-01 to 2025-08-31

CENTER FOR RURAL AFFAIRS COMMUNITY CAPITAL, founded in 1996, is a community nonprofit in the Environment sector that reported $3.0M in total revenue in fiscal year 2024. The organization ran a surplus of $1.3M, a strong 42% operating margin.

Mission

PROVIDES FINANCING AND TECHNICAL ASSISTANCE IN SUPPORT OF SMALL BUSINESSES AND COMMUNITY DEVELOPMENT IN GENERAL.

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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 $2,275,032

Program Service Revenue $661,766

Investment Income $95,052

Other Revenue $0

TOTAL REVENUE $3,031,850

Expense Breakdown

Grants Paid $0

Salaries & Benefits $939,132

Fundraising Expenses $27,730

Program Expenses $1,556,148

Other Expenses $813,243

TOTAL EXPENSES $1,752,375

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,031,850	$2,950,419	+0.0%
Expenses	$1,752,375	$1,843,704	0.0%
Net Income	$1,279,475	$1,106,715	+0.2%

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

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

$190,771

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAY HALL	PRESIDENT	0.10	Officer Director	$0	$0	$0
CHUCK KARPF	VICE PRESIDENT	0.10	Officer Director	$0	$0	$0
ROSS LARSON	SECRETARY/TREASURER	0.10	Officer Director	$0	$0	$0
LEVERNE BARRETT	BOARD MEMBER	0.10	Director	$0	$0	$0
KRISTA DITTMAN	BOARD MEMBER	0.10	Director	$0	$0	$0
RACHEL LIESTER	BOARD MEMBER	0.10	Director	$0	$0	$0
STEELE VALENZUELA	BOARD MEMBER	0.10	Director	$0	$0	$0
BRIAN DEPEW	EXECUTIVE DIRECTOR	5.00	Officer	$0	$22,530	$190,771

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
2025	$3,031,850	$1,752,375	$16,984,197	$1,279,475
2024	$2,950,419	$1,843,704	$14,821,293	$1,106,715
2023	$1,737,477	$1,754,751	$13,936,199	$-17,274
2022	$2,121,354	$847,096	$12,206,202	$1,274,258
2021	$1,985,205	$526,648	$9,745,638	$1,458,557
2020	$624,647	$401,815	$6,079,694	$222,832
2019	$1,269,586	$279,695	$6,307,614	$989,891

CENTER FOR RURAL AFFAIRS COMMUNITY CAPITAL