MOUNTAIN RURAL TELEPHONE COOPERATIVE CORPORATION (EIN 610467317) - 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

1950

Legal Domicile

Principal Officer

RONNIE ISON

Phone

6067433121

Tax Period

2025-01-01 to 2025-12-31

MOUNTAIN RURAL TELEPHONE COOPERATIVE CORPORATION, founded in 1950, is a mid-sized nonprofit that reported $31.7M in total revenue in fiscal year 2025. Revenue decreased 8% compared to the prior year. Net assets of $148.5M represent 56 months of operating reserves.

Mission

PROVIDE TELEPHONE SERVICE TO MEMBER OWNERS ON A PATRONAGE BASIS. SERVE APPROXIMATELY 14,500 CUSTOMERS MONTHLY.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $29,828,209

Investment Income $1,247,401

Other Revenue $617,962

TOTAL REVENUE $31,693,572

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,842,139

Fundraising Expenses $0

Program Expenses $31,693,572

Other Expenses $16,204,705

TOTAL EXPENSES $31,693,572

Year-over-Year Comparison

	2025	2024	Change
Revenue	$31,693,572	$34,435,273	-0.1%
Expenses	$31,693,572	$34,435,273	-0.1%
Net Income	$0	$0	N/A

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

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

$97,600

Total Directors

$228,300

Key Employees

$459,392

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JIMMIE JONES	PRESIDENT	8.00	Officer Director	$27,400	$0	$27,400
KATIE ISON	VICE PRESIDENT	8.00	Officer Director	$19,400	$0	$19,400
JODI LAWSON	SECRETARY	8.00	Officer Director	$25,400	$0	$25,400
SUSAN LYNN CABLE	TREASURER	8.00	Officer Director	$25,400	$0	$25,400
CHRISTOPHER DICKERSON	DIRECTOR	4.00	Director	$16,200	$0	$16,200
JACKIE HOWARD	DIRECTOR	8.00	Director	$24,900	$0	$24,900
ROBERT BRADLEY	DIRECTOR	8.00	Director	$25,400	$0	$25,400
RANDY HALSEY	DIRECTOR	4.00	Director	$13,400	$0	$13,400
JOHN M HELTON	DIRECTOR	8.00	Director	$25,900	$0	$25,900
JOHN NICKELL	DIRECTOR	8.00	Director	$24,900	$0	$24,900
RONNIE ISON	CEO/GM	40.00	Key Emp	$349,893	$109,499	$459,392
BILLY QUENTIN MURPHY	ASST GENERAL MANAGER	40.00	Highest	$194,133	$75,387	$269,520

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	$31,693,572	$31,693,572	$157,296,845	No data
2024	No data	No data	No data	No data
2023	$32,529,628	$32,529,628	$148,213,039	No data
2022	$30,286,018	$30,286,018	$145,442,350	No data
2021	$30,956,573	$30,956,573	$142,216,155	No data
2020	$31,379,710	$31,379,710	$137,916,081	No data
2019	$34,399,155	$34,399,155	$132,329,936	No data
2018	$27,931,527	$27,931,527	$127,450,174	No data

MOUNTAIN RURAL TELEPHONE COOPERATIVE CORPORATION