Ruritan National Corporation (EIN 540366440) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1928

Legal Domicile

Principal Officer

Michael Morrison

Phone

5406745431

Tax Period

2024-10-01 to 2025-09-30

Ruritan National Corporation, founded in 1928, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2017. Expenses of $1.6M left a modest 7% surplus.

Mission

Ruritan is a national organization dedicated to improving communities and building a better America through fellowship, goodwill, and community service.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $979,467

Program Service Revenue $103,604

Investment Income $238,197

Other Revenue $67,106

TOTAL REVENUE $1,388,374

Expense Breakdown

Grants Paid $0

Salaries & Benefits $405,631

Fundraising Expenses $118,091

Program Expenses $807,899

Other Expenses $661,533

TOTAL EXPENSES $1,067,164

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,388,374	$1,182,311	+0.2%
Expenses	$1,067,164	$1,032,593	+0.0%
Net Income	$321,210	$149,718	+1.1%

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

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

$68,771

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sarah Kelly	Executive Director	40.00	Officer	$62,519	$6,252	$68,771
Lynn Fillers	Director	3.00	Director	$0	$0	$0
Roger Davis	Director	3.00	Director	$0	$0	$0
Zachary McCallie	Director	3.00	Director	$0	$0	$0
Perry Marshman	Director	3.00	Director	$0	$0	$0
Ronnie Reid	Director	3.00	Director	$0	$0	$0
Robin Davenport	Past President	3.00	Director	$0	$0	$0
John Biery	Director	3.00	Director	$0	$0	$0
Larry Garrison	Director	3.00	Director	$0	$0	$0
Billy Hobbs	Director	3.00	Director	$0	$0	$0
Merlin Scales	Director	3.00	Director	$0	$0	$0
Pearl Underwood	Director	3.00	Director	$0	$0	$0
James Zehr	Director	3.00	Director	$0	$0	$0
Leon Alt	Director	3.00	Director	$0	$0	$0
Raymond Cade	Director	3.00	Director	$0	$0	$0
Debi Davis	Director	3.00	Director	$0	$0	$0
Patty Hamilton	Director	3.00	Director	$0	$0	$0
Julie Marshall	Director	3.00	Director	$0	$0	$0
Roger Peterson	Director	3.00	Director	$0	$0	$0
Jeff Roadcap	Director	3.00	Director	$0	$0	$0
Marty Sewell	Director	3.00	Director	$0	$0	$0
Rufus Hisghman	Director	3.00	Director	$0	$0	$0
Gary Collier	Director	3.00	Director	$0	$0	$0
Timmothy Garrison	Director	3.00	Director	$0	$0	$0
Brian Grove	Director	3.00	Director	$0	$0	$0
Marshall Ross	Director	3.00	Director	$0	$0	$0
David Wingett	Director	3.00	Director	$0	$0	$0
Cassandra L Flanagan	Director	3.00	Director	$0	$0	$0
David Thompson	President-Elect	3.00	Officer Director	$0	$0	$0
Donna H Poulton	Treasurer	3.00	Officer Director	$0	$0	$0
Michael Morrison	Past President	3.00	Officer Director	$0	$0	$0
Juliann Poff	Secretary	3.00	Officer Director	$0	$0	$0
Becky Lane	President	3.00	Officer Director	$0	$0	$0
Rebecca Lane	President-Elect	3.00	Officer 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	$1,388,374	$1,067,164	$1,988,545	$321,210
2024	$1,182,311	$1,032,593	$1,721,602	$149,718
2023	$1,241,564	$1,127,339	$1,418,208	$114,225
2022	$1,185,828	$1,169,889	$1,248,303	$15,939
2021	$1,159,145	$1,044,532	$2,001,197	$114,613
2020	$1,286,268	$1,325,183	$1,791,990	$-38,915
2019	$1,545,087	$1,568,190	$1,857,007	$-23,103
2018	$1,695,355	$1,582,774	$1,713,525	$112,581

Ruritan National Corporation