RIPPLE COMMUNITY INC (EIN 474828012) - 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

2010

Legal Domicile

Principal Officer

SARA RUSS

Phone

4842401231

Tax Period

2024-10-01 to 2025-09-30

RIPPLE COMMUNITY INC, founded in 2010, is a small nonprofit in the Community Improvement sector that reported $846K in total revenue in fiscal year 2024. Revenue surged 69% from the prior year, signaling strong growth momentum. The organization ran a surplus of $154K, a strong 18% operating margin.

Mission

TO NURTURE COMMUNITY AND CONNECTION IN ALLENTOWN BY FOSTERING A SENSE OF COMMUNITY AMONG OUR NEIGHBORS WHO HAVE TRADITIONALLY BEEN MARGINALIZED AND BY CULTIVATING CONNECTIONS ACROSS SOCIAL BOUNDARIES.

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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 $827,790

Program Service Revenue $0

Investment Income $10,801

Other Revenue $7,577

TOTAL REVENUE $846,168

Expense Breakdown

Grants Paid $0

Salaries & Benefits $490,399

Fundraising Expenses $76,260

Program Expenses $571,594

Other Expenses $201,983

TOTAL EXPENSES $692,382

Year-over-Year Comparison

	2024	2023	Change
Revenue	$846,168	$500,467	+0.7%
Expenses	$692,382	$594,536	+0.2%
Net Income	$153,786	$-94,069	-2.6%

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

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

$90,914

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHERRI BINDER	EXECUTIVE DIRECTOR	40.00	Officer	$90,258	$656	$90,914
SARA RUSS	PRESIDENT	2.00	Officer Director	$0	$0	$0
JULIE HUBER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
KHRISTOPHER GEFROH	TREASURER	1.00	Officer Director	$0	$0	$0
MICHAEL D'AMORE	SECRETARY	1.00	Officer Director	$0	$0	$0
KENT BRUSTLIN	DIRECTOR	1.00	Director	$0	$0	$0
ZACHARY GALLOWAY	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH HEPLER	DIRECTOR	1.00	Director	$0	$0	$0
TIFFANY POLEK	DIRECTOR	1.00	Director	$0	$0	$0
DANILO SANCHEZ	DIRECTOR	1.00	Director	$0	$0	$0
CHARLENE SMALLS	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES F THIEL	DIRECTOR	1.00	Director	$0	$0	$0
MELISSA WEINSTEIN	DIRECTOR	1.00	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
2025	$846,168	$692,382	$708,572	$153,786
2024	$500,467	$594,536	$551,838	$-94,069
2023	$648,692	$545,996	$697,501	$102,696
2022	$443,303	$427,256	$479,750	$16,047
2021	$465,439	$411,049	$457,164	$54,390
2020	$395,871	$307,625	$399,185	$88,246
2019	$329,005	$152,739	$309,941	$176,266

RIPPLE COMMUNITY INC