STERLING RURITAN CLUB INC (EIN 546057986) - 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

1950

Legal Domicile

Principal Officer

CYNTHIA WALK

Phone

7035773008

Tax Period

2024-01-01 to 2024-12-31

RURITAN NATIONAL STERLING CLUB, founded in 1950, is a micro nonprofit that reported $60K in total revenue in fiscal year 2018. Revenue fell 20% from the prior year — a significant decline worth monitoring. Expenses of $67K exceeded revenue, resulting in a 12% operating deficit.

Mission

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 $6,661

Program Service Revenue $0

Investment Income $0

Other Revenue $145,083

TOTAL REVENUE $151,744

Expense Breakdown

Grants Paid $62,147

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $154,658

Other Expenses $92,511

TOTAL EXPENSES $154,658

Year-over-Year Comparison

	2024	2023	Change
Revenue	$151,744	$169,925	-0.1%
Expenses	$154,658	$109,988	+0.4%
Net Income	$-2,914	$59,937	-1.0%

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

N/A

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
MEL GAMERTSFELDER	DIRECTOR	2.00	Director	$0	$0	$0
TOM HUMMER	PAST PRESIDENT	2.00	Director	$0	$0	$0
MARY HUMMER	DIRECTOR	2.00	Director	$0	$0	$0
CYNTHIA WALK	DIRECTOR	2.00	Officer Director	$0	$0	$0
GINGER GRIFFIN	SECRETARY	2.00	Officer	$0	$0	$0
BILL HUMMER	PRESIDENT	2.00	Officer	$0	$0	$0
ROBERT GRIFFIN	TREASURER	15.00	Officer	$0	$0	$0
CHRIS WILLIAMSON	VICE PRESIDENT	2.00	Officer	$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	No data	No data	No data	No data
2024	$151,744	$154,658	$123,337	$-2,914
2023	$169,925	$109,988	$139,685	$59,937
2022	$76,197	$86,470	$87,482	$-10,273
2021	$38,643	$44,403	$109,202	$-5,760
2020	$18,255	$34,826	$89,695	$-16,571
2019	$75,017	$66,136	$102,610	$8,881
2018	$60,043	$67,396	$100,672	$-7,353

STERLING RURITAN CLUB INC