RIPLEY MAIN STREET INC (EIN 550761158) - Form 990 Financial Analysis & Trantor Score

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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

1998

Legal Domicile

Principal Officer

LISA NUCKLES

Phone

3043721637

Tax Period

2024-01-01 to 2024-12-31

RIPLEY MAIN STREET INC, founded in 1998, is a micro nonprofit in the Community Improvement sector that reported $58K in total revenue in fiscal year 2024. Revenue fell 21% from the prior year — a significant decline worth monitoring. Expenses of $71K exceeded revenue, resulting in a 23% operating deficit.

Mission

TO CULTIVATE AND NURTURE THE ECONOMIC VITALITY AND HISTORICAL CHARACTER OF OUR RIPLEY BUSINESS COMMUNITY

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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 $32,406

Program Service Revenue $25,021

Investment Income $726

Other Revenue $0

TOTAL REVENUE $58,153

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $60,833

Other Expenses $71,322

TOTAL EXPENSES $71,322

Year-over-Year Comparison

	2024	2023	Change
Revenue	$58,153	$73,868	-0.2%
Expenses	$71,322	$80,084	-0.1%
Net Income	$-13,169	$-6,216	+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

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
LINDA DICKIRSON	MEMBER	2.00	Director	$0	$0	$0
SETH HARPER	MEMBER	2.00	Director	$0	$0	$0
MIKE PHILLIPS	MEMBER	2.00	Director	$0	$0	$0
MARSHA HUMPHREY	CHAIR	5.00	Officer Director	$0	$0	$0
NICK MILLER	VICE CHAIR	2.00	Officer Director	$0	$0	$0
LOIS HILBERT	MEMBER	2.00	Director	$0	$0	$0
TARA LEE	TREASURER	5.00	Officer Director	$0	$0	$0
LISA NUCKLES	SECRETARY	2.00	Officer Director	$0	$0	$0
MITZI MILLER VANCE	MEMBER	2.00	Director	$0	$0	$0
BRENDA MOBLEY	MEMBER	2.00	Director	$0	$0	$0
JOHN MCGINLEY	MEMBER	2.00	Director	$0	$0	$0
TINA STEELE	MEMBER	2.00	Director	$0	$0	$0
TINA BENSON	MEMBER	2.00	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
2025	No data	No data	No data	No data
2024	$58,153	$71,322	$181,781	$-13,169
2023	$73,868	$80,084	$196,037	$-6,216
2022	$42,167	$52,964	$203,423	$-10,797
2021	$41,032	$38,287	$211,274	$2,745
2020	$36,883	$35,651	$208,529	$1,232
2019	$61,240	$72,969	$207,297	$-11,729
2018	$32,906	$50,435	$216,919	$-17,529

RIPLEY MAIN STREET INC