NAVY-MARINE CORPS RELIEF SOCIETY

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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

1904

Legal Domicile

Principal Officer

ROBERT R RUARK

Phone

8006548364

Tax Period

2024-01-01 to 2024-12-31

NAVY-MARINE CORPS RELIEF SOCIETY, founded in 1904, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $30.2M in total revenue in fiscal year 2024. Expenses of $26.8M left a modest 11% surplus.

Mission

THE MISSION OF THE NAVY-MARINE CORPS RELIEF SOCIETY IS TO BUILD FINANCIAL STABILITY AND WELL-BEING FOR SAILORS, MARINES AND THEIR FAMILIES.

Program Service Accomplishments

Program 1

Expenses: $20,107,161

FINANCIAL ASSISTANCE PROGRAM PROVIDES INTEREST FREE LOANS AND GRANTS TO ACTIVE DUTY AND RETIRED NAVY AND MARINE CORPS MEMBERS, DEPENDENTS AND SURVIVORS BASED ON FINANCIAL NEED.

Program 2

Expenses: $360,287 Revenue: $115,123

NON-FINANCIAL ASSISTANCE PROGRAMS PROVIDE CLIENTS WITH BUDGET COUNSELING, VISITING NURSE, BUDGET FOR BABY PROGRAM, AND THRIFT SHOP SERVICES BASED ON NEED.

Program 3

Expenses: $343,233

VOLUNTEER PROGRAM PROVIDES TRAINING, REFRESHMENTS, RECOGNITION, REIMBURSEMENT FOR MILEAGE, AND CHILD/ELDER CARE TO VOLUNTEERS WHO DELIVER SOCIETY SERVICES TO CLIENTS.

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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 $22,531,759

Program Service Revenue $0

Investment Income $7,536,854

Other Revenue $84,837

TOTAL REVENUE $30,153,450

Expense Breakdown

Grants Paid $3,247,239

Salaries & Benefits $17,653,923

Fundraising Expenses $2,201,627

Program Expenses $20,810,681

Other Expenses $5,748,406

TOTAL EXPENSES $26,768,291

Year-over-Year Comparison

	2024	2023	Change
Revenue	$30,153,450	$31,123,178	0.0%
Expenses	$26,768,291	$27,919,997	0.0%
Net Income	$3,385,159	$3,203,181	+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

224

Volunteers

4000

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

$1,554,881

Total Directors

$322,455

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LTGEN ROBERT R RUARK USMC RET	PRESIDENT/CEO	40.00	Officer Director	$299,548	$22,907	$322,455
RDML DAWN CUTLER USN RET	EXECUTIVE VICE PRESIDENT, COO	40.00	Officer	$276,823	$25,134	$301,957
THELISA WOODS	DIR, COMMUNICATIONS (TO NOV '24)	40.00	Highest	$240,937	$51,781	$292,718
ANN CREEDEN	DIR, TRAINING, FIELD ASSIST & CASEWORK	40.00	Highest	$158,109	$107,679	$265,788
GILLIAN GONZALEZ	VP, CHIEF DEV & COMMS OFFICER	40.00	Officer	$198,534	$56,745	$255,279
CAPT HERMAN ARCHIBALD USN RET	VP, CHIEF INFORMATION OFFICER	40.00	Officer	$212,427	$16,458	$228,885
CDR CHRISTOPHER DOUR USN RET	VICE PRESIDENT, CAO	40.00	Officer	$207,296	$18,610	$225,906
GIRISH PILLAI	DIRECTOR, SOFTWARE DEVELOPMENT	40.00	Highest	$204,689	$15,806	$220,495
CAROLYN BAUER	VICE PRESIDENT, CFO	40.00	Officer	$204,527	$15,872	$220,399
ELIZABETH SUAREZ	DIRECTOR, DEVELOPMENT	40.00	Highest	$158,237	$58,742	$216,979
PAT KEATING	DIRECTOR, ACCOUNTING	40.00	Highest	$167,031	$13,002	$180,033
ADM LISA FRANCHETTI USN	CHAIR	1.00	Officer Director	$0	$0	$0
LTGEN EDWARD BANTA USMC	DIRECTOR (TO SEP '24)	1.00	Director	$0	$0	$0
LTGEN MICHAEL BORGSCHULTE USMC	DIRECTOR (FROM OCT '24)	1.00	Director	$0	$0	$0
MS ELISA CATALANO EWERS	DIRECTOR	1.00	Director	$0	$0	$0
VADM RICHARD CHEESEMAN USN	DIRECTOR	1.00	Director	$0	$0	$0
MAJ THOMAS CRAIG USMC RET	DIRECTOR	1.00	Director	$0	$0	$0
VADM DARSE DEL CRANDALL USN	DIRECTOR (TO SEP '24)	1.00	Director	$0	$0	$0
MAJGEN CRAIG CRENSHAW USMC RET	DIRECTOR	1.00	Director	$0	$0	$0
VADM CHRISTOPHER FRENCH USN	DIRECTOR (FROM OCT '24)	1.00	Director	$0	$0	$0
MS FRANCINE GLAVY	DIRECTOR	1.00	Director	$0	$0	$0
LTGEN JAMES GLYNN USMC	DIRECTOR (TO AUG '24)	1.00	Director	$0	$0	$0
VADM CHRISTOPHER GRAY USN	DIRECTOR	1.00	Director	$0	$0	$0
RADM SINCLAIR HARRIS USN RET	DIRECTOR	1.00	Director	$0	$0	$0
MS EVELYN HONEA	DIRECTOR	1.00	Director	$0	$0	$0
MCPON JAMES HONEA USN	DIRECTOR	1.00	Director	$0	$0	$0
MS ANNE HUGHES	DIRECTOR	1.00	Director	$0	$0	$0
COL BOB LOVE USCM RET	DIRECTOR	1.00	Director	$0	$0	$0
MS MEGAN W MOFFIT	DIRECTOR	1.00	Director	$0	$0	$0
MCPO JOHN JP PEREZ USN RET	DIRECTOR	1.00	Director	$0	$0	$0
SGTMAJ JACOB REIFF USMC	DIRECTOR	1.00	Director	$0	$0	$0
MS ANDREA RUIZ	DIRECTOR	1.00	Director	$0	$0	$0
SGTMAJ CARLOS RUIZ USMC	DIRECTOR	1.00	Director	$0	$0	$0
MR JAMES SIEVERT	DIRECTOR	1.00	Director	$0	$0	$0
LTGEN STEPHEN SKLENKA USMC	DIRECTOR (FROM OCT '24)	1.00	Director	$0	$0	$0
GEN ERIC SMITH USMC	DIRECTOR	1.00	Director	$0	$0	$0
MS PATRICIA SMITH	DIRECTOR	1.00	Director	$0	$0	$0
FLTCM DELBERT TERRELL USN	DIRECTOR	1.00	Director	$0	$0	$0
RADM GREGORY N TODD USN	DIRECTOR	1.00	Director	$0	$0	$0
RADM DARIN VIA USN	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
2024	$30,153,450	$26,768,291	$148,615,301	$3,385,159
2023	$31,123,178	$27,919,997	$142,603,944	$3,203,181
2022	$18,876,922	$25,532,926	$129,000,839	$-6,656,004
2021	$29,210,374	$26,240,615	$160,427,961	$2,969,759
2021	$29,210,374	$26,240,615	$160,427,961	$2,969,759
2020	$26,888,436	$22,262,438	$152,894,109	$4,625,998
2019	$28,431,899	$25,964,242	$131,549,737	$2,467,657
2018	$23,257,611	$26,754,325	$115,169,946	$-3,496,714