SANGERVILLE TOWERS RURITAN CLUB (EIN 546064579) - 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

1960

Legal Domicile

Phone

5404660136

Tax Period

2025-01-01 to 2025-12-31

SANGERVILLE TOWERS RURITAN CLUB, founded in 1960, is a micro nonprofit that reported $48K in total revenue in fiscal year 2018. Revenue fell 34% from the prior year — a significant decline worth monitoring. Expenses of $78K exceeded revenue, resulting in a 62% operating deficit.

Mission

CIVIL SERVICE TO OUR COMMUNITY by supporting local individuals and organizations

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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 (2025)

Revenue Breakdown

Contributions & Grants $2,928

Program Service Revenue $0

Investment Income $3,040

Other Revenue $32,730

TOTAL REVENUE $38,698

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $12,250

Other Expenses $55,689

TOTAL EXPENSES $55,689

Year-over-Year Comparison

	2025	2024	Change
Revenue	$38,698	$62,307	-0.4%
Expenses	$55,689	$54,999	+0.0%
Net Income	$-16,991	$7,308	-3.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CALEB BUSSARD	PRESIDENT	6	Officer	$0	$0	$0
LINDA EDWARDS	VICE PRESIDENT	6	Officer	$0	$0	$0
GERRI RIGNEY	SECRETARY	6	Officer	$0	$0	$0
KATY SIMMONS	TREASURER	6	Director	$0	$0	$0
MARILYN WING	DIRECTOR	6	Director	$0	$0	$0
BILL PARKER	DIRECTOR	6	Director	$0	$0	$0
JEFF RIGNEY	DIRECTOR	6	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	$38,698	$55,689	$485,077	$-16,991
2024	$62,307	$54,999	$507,030	$7,308
2023	$190,382	$35,474	$499,722	$154,908
2022	$48,944	$50,778	$389,497	$-1,834
2021	$23,429	$46,989	$389,090	$-23,560
2020	$25,007	$39,181	$409,959	$-14,174
2019	$62,979	$70,525	$429,799	$-7,546
2018	$48,435	$78,332	$438,756	$-29,897

SANGERVILLE TOWERS RURITAN CLUB