Ruttenberg Family Foundation (EIN 631165558) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1995

Legal Domicile

Principal Officer

Florina Newcomb

Phone

2058031519

Tax Period

2024-01-01 to 2024-12-31

Ruttenberg Family Foundation c/o Birmingham Jewish Federation, founded in 1995, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $55K in total revenue in fiscal year 2018. Revenue surged 47% from the prior year, signaling strong growth momentum. Net assets of $1.0M represent 221 months of operating reserves.

Mission

The Ruttenberg Family Foundation is dedicated to nurturing and promoting Jewish life in Birmingham, nationally, in Israel and throughout the world; is involved in building a better Birmingham through alliances and partnerships with other community groups, and is committed to helping all people in need in times of crisis.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $76

Program Service Revenue $0

Investment Income $31,695

Other Revenue $0

TOTAL REVENUE $31,771

Expense Breakdown

Grants Paid $64,315

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $66,920

Other Expenses $2,605

TOTAL EXPENSES $66,920

Year-over-Year Comparison

	2024	2023	Change
Revenue	$31,771	$44,198	-0.3%
Expenses	$66,920	$67,423	0.0%
Net Income	$-35,149	$-23,225	+0.5%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
David Romanoff	Director	0.25	Director	$0	$0	$0
Scott Gewant	Director	0.25	Director	$0	$0	$0
Amy Saag	Director	0.25	Director	$0	$0	$0
Jodi Benck	Director	0.25	Director	$0	$0	$0
Ginger Held	Director	0.25	Director	$0	$0	$0
Pamela Ruttenberg	President	0.50	Officer	$0	$0	$0
Ronald Froehlich	Vice President	0.50	Officer	$0	$0	$0
Sarah Gotlieb	Secretary	2.50	Officer	$0	$0	$0
Harry Bayer	Treasurer	0.50	Officer	$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	$31,771	$66,920	$1,138,118	$-35,149
2023	$44,198	$67,423	$1,110,684	$-23,225
2022	$34,279	$58,023	$1,042,091	$-23,744
2021	$80,159	$50,359	$1,253,363	$29,800
2020	$48,846	$50,769	$1,149,004	$-1,923
2019	$33,452	$45,179	$1,129,539	$-11,727
2018	$54,569	$54,205	$1,006,828	$364

Ruttenberg Family Foundation