RURAL CONSUMER SERVICES CORPORATION

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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

1986

Legal Domicile

Principal Officer

JOSHUA WINSLOW

Phone

9107544391

Tax Period

2024-01-01 to 2024-12-31

RURAL CONSUMER SERVICES CORPORATION, founded in 1986, is a small nonprofit in the Community Improvement sector that reported $374K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $94K, a strong 25% operating margin.

Mission

THE MISSION IS TO PROMOTE NEW BUSINESS DEVELOPMENT, BUSINESS EXPANSION, AND BUSINESS RETENTION IN BRUNSWICK AND COLUMBUS COUNTIES; TO PARTNER WITH STATE AND LOCAL AUTHORITIES AND ORGANIZATIONS TO AFFORD THE TOOLS REQUIRED TO MOVE MORE CITIZENS AND BUSINESSES INTO THE TECHNOLOGY AGE AND TO LONG-TERM ECONOMIC PROSPERITY; TO ORGANIZE ECONOMIC DEVELOPMENT ACTIVITIES WITH THE GOAL OF MAKING THE ACTIVITIES FINANCIALLY SELF-SUSTAINING OVER TIME; AND ULTIMATELY TO HELP CREATE AND RETAIN JOBS FOR THE CITIZENS OF OUR AREA.

Program Service Accomplishments

Program 1

Expenses: $119,661 Revenue: $181,993

THE OPERATION OF A WEATHERIZATION LOAN PROGRAM FOR RESIDENTS OF BRUNSWICK AND COLUMBUS COUNTIES, NC. THIS PROGRAM OFFERS LOW-INTEREST LOANS TO RESIDENTIAL AND SMALL COMMERCIAL BUILDING OWNERS FOR...

THE OPERATION OF A WEATHERIZATION LOAN PROGRAM FOR RESIDENTS OF BRUNSWICK AND COLUMBUS COUNTIES, NC. THIS PROGRAM OFFERS LOW-INTEREST LOANS TO RESIDENTIAL AND SMALL COMMERCIAL BUILDING OWNERS FOR ENERGY EFFICIENT IMPROVEMENTS.

Program 2

Expenses: $83,792 Revenue: $140,014

LEASING OF DARK FIBER AND OPTIC EQUIPMENT. THIS EFFORT WAS INITIALIZED BY THE STATE OF NORTH CAROLINA IN 1999 TO PROMOTE ECONOMIC DEVELOPMENT AND PROVIDE BROADBAND INTERNET ACCESS SERVICES TO THE...

LEASING OF DARK FIBER AND OPTIC EQUIPMENT. THIS EFFORT WAS INITIALIZED BY THE STATE OF NORTH CAROLINA IN 1999 TO PROMOTE ECONOMIC DEVELOPMENT AND PROVIDE BROADBAND INTERNET ACCESS SERVICES TO THE RURAL AREAS OF THE STATE.

Program 3

GRANTS TO ECONOMIC DEVELOPMENT ORGANIZATIONS IN COLUMBUS AND BRUNSWICK COUNTIES, NC TO FOSTER ECONOMIC GROWTH.

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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 $0

Program Service Revenue $192,121

Investment Income $181,993

Other Revenue $0

TOTAL REVENUE $374,114

Expense Breakdown

Grants Paid $0

Salaries & Benefits $18,363

Fundraising Expenses $0

Program Expenses $203,453

Other Expenses $261,369

TOTAL EXPENSES $279,732

Year-over-Year Comparison

	2024	2023	Change
Revenue	$374,114	$324,310	+0.2%
Expenses	$279,732	$286,467	0.0%
Net Income	$94,382	$37,843	+1.5%

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

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

$1,211,472

Total Directors

$385,982

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSHUA WINSLOW	CEO/GENERAL	5.00	Officer	$0	$212,866	$710,226
LISA FITZGERALD	VP FINANCE	2.00	Officer	$0	$108,867	$414,779
DAVID L GORE	DIRECTOR	2.00	Director	$2,025	$0	$68,671
LARRY G FOWLER	DIRECTOR	2.00	Director	$1,972	$0	$55,118
DAN STRICKLAND	DIRECTOR	2.00	Director	$2,068	$0	$54,764
JOHN WARD	DIRECTOR	2.00	Director	$1,832	$0	$52,723
FREDERICK A TEDDER	DIRECTOR	2.00	Director	$2,004	$0	$39,178
PERRY SELLERS	PRESIDENT	2.00	Officer Director	$1,827	$0	$33,187
MOSES HERRING	VICE PRESIDE	2.00	Officer Director	$1,827	$0	$27,746
L CALVIN DUNCAN	DIRECTOR	2.00	Director	$2,084	$0	$25,755
GLEN HUMBERT	SEC/TREAS	2.00	Officer Director	$1,824	$0	$25,534
DEBORAH AHLERS	DIRECTOR	2.00	Director	$900	$0	$3,306

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
2024	$374,114	$279,732	$4,008,562	$94,382
2023	$324,310	$286,467	$3,651,811	$37,843
2022	$287,262	$287,547	$3,604,968	$-285
2021	$308,751	$278,476	$3,987,630	$30,275
2020	$328,078	$336,479	$3,675,132	$-8,401
2019	$319,234	$365,922	$3,652,902	$-46,688
2018	$316,202	$360,337	$4,261,849	$-44,135