RURITAN NATIONAL CORP (EIN 566076510) - 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

1955

Legal Domicile

Principal Officer

Deborah Deel Clayton

Phone

3365252274

Tax Period

2024-01-01 to 2024-12-31

RURITAN NATIONAL CORP, founded in 1955, is a small nonprofit that reported $219K in total revenue in fiscal year 2024. Revenue surged 1289% from the prior year, signaling strong growth momentum. The organization ran a surplus of $199K, a strong 91% operating margin.

Mission

Chartered under Ruritan National Corp. Mission is to provide support to local community through fundraising activities.

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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 $2,323

Program Service Revenue $2,023

Investment Income $208,256

Other Revenue $6,531

TOTAL REVENUE $219,133

Expense Breakdown

Grants Paid $10,480

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $10,980

Other Expenses $9,528

TOTAL EXPENSES $20,508

Year-over-Year Comparison

	2024	2023	Change
Revenue	$219,133	$15,776	+12.9%
Expenses	$20,508	$18,048	+0.1%
Net Income	$198,625	$-2,272	-88.4%

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
Heather Houser	President	5	Officer Director	$0	$0	$0
Mark Richmond	Vice President	1	Officer Director	$0	$0	$0
Debbie Steele	Secretary	3	Officer Director	$0	$0	$0
Deborah Clayton	Treasurer	5	Officer Director	$0	$0	$0
Libby Baity	Assistant Secretary/Treasurer	1	Officer Director	$0	$0	$0
Robert Baker	Board of Directors Member	1	Director	$0	$0	$0
Linda Johnson	Board of Directors Member	1	Director	$0	$0	$0
Jason Strayhorn	Board of Directors Member	1	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
2024	$219,133	$20,508	$260,524	$198,625

RURITAN NATIONAL CORP