Ralph Stuart Stowers Scholarship (EIN 546309437) - 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

1998

Legal Domicile

Principal Officer

Nellie Stillwell

Phone

2769790359

Tax Period

2025-01-01 to 2025-12-31

Ralph Stuart Stowers Scholarship, founded in 1998, is a micro nonprofit in the Education sector that reported $71K in total revenue in fiscal year 2018. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $81K exceeded revenue, resulting in a 15% operating deficit.

Mission

To provide scholarships to graduating high school students from Tazewell County, Virginia.

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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 $0

Program Service Revenue $0

Investment Income $186,790

Other Revenue $0

TOTAL REVENUE $186,790

Expense Breakdown

Grants Paid $38,137

Salaries & Benefits $26,838

Fundraising Expenses $0

Program Expenses $69,661

Other Expenses $4,686

TOTAL EXPENSES $69,661

Year-over-Year Comparison

	2025	2024	Change
Revenue	$186,790	$152,998	+0.2%
Expenses	$69,661	$75,000	-0.1%
Net Income	$117,129	$77,998	+0.5%

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

N/A

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
N/A	Trustee	002.00		$26,838	$0	$26,838

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	$186,790	$69,661	$2,508,092	$117,129
2024	$152,998	$75,000	$2,390,963	$77,998
2023	$140,685	$80,893	$2,312,965	$59,792
2022	$86,537	$73,373	$2,253,173	$13,164
2021	$220,795	$86,457	$2,240,009	$134,338
2020	$119,446	$62,300	$2,105,671	$57,146
2019	$79,404	$45,410	$2,048,525	$33,994
2018	$70,511	$81,339	$2,014,531	$-10,828

Ralph Stuart Stowers Scholarship