KENTUCKY CONCRETE ASSOCIATION INC

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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

1960

Legal Domicile

Principal Officer

BRETT RUFFING

Phone

5026951535

Tax Period

2025-01-01 to 2025-12-31

KENTUCKY CONCRETE ASSOCIATION INC, founded in 1960, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2025.

Mission

THE ASSOCIATION'S MISSION IS TO IMPROVE THE QUALITY OF AND EXPAND THE USE OF CONCRETE, TO INCREASE SAFETY IN THE INDUSTRY, AND TO IMPROVE AWARENESS AND METHODS OF CONCRETE USEAGE AS RELATED TO ENVIRONMENTAL ISSUES.

Program Service Accomplishments

Program 1

SERVICE PROVIDED TO THE READY-MIX CONCRETE INDUSTRY OF KENTUCKY INCLUDING BUT NOT LIMITED TO: EDUCATION, PRODUCT PROMOTION, QUALITY IMPROVEMENT, ENVIRONMENTAL AND SAFETY ISSUES, AND IMPROVEMENT OF...

SERVICE PROVIDED TO THE READY-MIX CONCRETE INDUSTRY OF KENTUCKY INCLUDING BUT NOT LIMITED TO: EDUCATION, PRODUCT PROMOTION, QUALITY IMPROVEMENT, ENVIRONMENTAL AND SAFETY ISSUES, AND IMPROVEMENT OF THE BUSINESS ENVIRONMENT.

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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 $553,249

Program Service Revenue $558,957

Investment Income $46,793

Other Revenue $11,819

TOTAL REVENUE $1,170,818

Expense Breakdown

Grants Paid $0

Salaries & Benefits $511,579

Fundraising Expenses $0

Other Expenses $693,344

TOTAL EXPENSES $1,204,923

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,170,818	$1,098,707	+0.1%
Expenses	$1,204,923	$1,065,525	+0.1%
Net Income	$-34,105	$33,182	-2.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRETT RUFFING	EXECUTIVE DI	40.00	Highest	$133,606	$14,568	$148,174
DEBBIE HERNDON	PRESIDENT	N/A	Officer Director	$0	$0	$0
RON HARTMAN	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
BRETT DETERS	TREASURER	N/A	Officer Director	$0	$0	$0
GREG ARMSTRONG	SECRETARY	N/A	Officer Director	$0	$0	$0
BRETT BAKER	PAST PRESIDE	N/A	Officer Director	$0	$0	$0
WES CARTER	DIRECTOR	N/A	Director	$0	$0	$0
STEPHANIE CHRISTIAN	DIRECTOR	N/A	Director	$0	$0	$0
CATHY HUTCHINS	DIRECTOR	N/A	Director	$0	$0	$0
CHRIS ROBERTS	DIRECTOR	N/A	Director	$0	$0	$0
ADAM STEFFEN	DIRECTOR	N/A	Director	$0	$0	$0
BERT VANHOUTEN	DIRECTOR	N/A	Director	$0	$0	$0
BRYCE WELLS	DIRECTOR	N/A	Director	$0	$0	$0
CLAY MCMILLAN	ASSOCIATE DI	N/A	Director	$0	$0	$0
KEN MCMILLAN	ASSOCIATE DI	N/A	Director	$0	$0	$0
LENNY MORRIS	ASSOCIATE DI	N/A	Director	$0	$0	$0
ANDY PEARSON	ASSOCIATE DI	N/A	Director	$0	$0	$0
MIKE SIGLER	ASSOCIATE DI	N/A	Director	$0	$0	$0
DWAYNE STONE	ASSOCIATE DI	N/A	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	$1,170,818	$1,204,923	$1,003,959	$-34,105
2024	$1,098,707	$1,065,525	$1,037,087	$33,182
2023	$1,058,212	$949,799	$984,288	$108,413
2022	$906,406	$877,584	$909,796	$28,822
2021	$799,068	$735,771	$824,522	$63,297
2020	$999,952	$898,789	$760,373	$101,163
2019	$953,534	$914,089	$705,413	$39,445
2018	$987,624	$885,223	$635,569	$102,401