RUTHERFORD LIFE SERVICES INC (EIN 560887123) - 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

1969

Legal Domicile

Principal Officer

JEAN MORGAN

Phone

8282864352

Tax Period

2024-07-01 to 2025-06-30

RUTHERFORD LIFE SERVICES INC, founded in 1969, is a community nonprofit in the Employment sector that reported $2.0M in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $1.9M left a modest 4% surplus.

Mission

RUTHERFORD LIFE SERVICES SEEKS TO ASSIST INDIVIDUALS AND FAMILIES WITH SPECIAL NEEDS TO ENHANCE THE QUALITY OF THEIR LIVES BOTH PERSONALLY AND WITHIN THE 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 $164,749

Program Service Revenue $1,826,501

Investment Income $3,648

Other Revenue $0

TOTAL REVENUE $1,994,898

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,194,575

Fundraising Expenses $0

Program Expenses $1,365,722

Other Expenses $721,401

TOTAL EXPENSES $1,915,976

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,994,898	$1,630,200	+0.2%
Expenses	$1,915,976	$1,713,862	+0.1%
Net Income	$78,922	$-83,662	-1.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLES FLACK III	DIRECTOR	1.00	Director	$0	$0	$0
DAVID HERNDON	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
JOHN CARROLL	DIRECTOR	1.00	Director	$0	$0	$0
JEAN MORGAN	PRESIDENT	2.00	Officer Director	$0	$0	$0
CLARK POOLE	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS BEDDINGFIELD	DIRECTOR	1.00	Director	$0	$0	$0
JILL MIRACLE	DIRECTOR	2.00	Director	$0	$0	$0
PHILLIP MILLER	DIRECTOR	1.00	Director	$0	$0	$0
RON GILES	DIRECTOR	1.00	Director	$0	$0	$0
MIKE SAUNDERS	DIRECTOR	1.00	Director	$0	$0	$0
JANICE PARIS	DIRECTOR	1.00	Director	$0	$0	$0
DONALD BYARS	DIRECTOR	1.00	Director	$0	$0	$0
JEFF LITTLEJOHN	SECRETARY/TR	2.00	Officer Director	$0	$0	$0
WANDA PRICE	DIRECTOR	1.00	Director	$0	$0	$0
GREG PARK	DIRECTOR	1.00	Director	$0	$0	$0
BEVERLY MCKINNEY	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS BURLEY	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN KING	DIRECTOR	1.00	Director	$0	$0	$0
MARY SANDRA COSTNER	DIRECTOR	1.00	Director	$0	$0	$0
MATT BRIGHT	PAST PRESIDE	1.00	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	$1,994,898	$1,915,976	$2,924,464	$78,922
2024	$1,630,200	$1,713,862	$2,832,863	$-83,662
2023	$2,208,516	$1,751,943	$2,904,291	$456,573
2022	$1,789,485	$1,791,651	$2,434,035	$-2,166
2021	$1,730,986	$1,481,914	$2,534,369	$249,072
2020	$1,842,214	$1,830,421	$2,465,654	$11,793
2019	$2,182,477	$2,054,895	$2,386,745	$127,582

RUTHERFORD LIFE SERVICES INC