MISSISSIPPI RURAL RESOURCE CORPORATION (EIN 640479784) - 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

1934

Legal Domicile

Principal Officer

BENNIE HUTCHINS

Phone

6012604882

Tax Period

2024-07-01 to 2025-06-30

MISSISSIPPI RURAL RESOURCE CORPORATION, founded in 1934, is a small nonprofit that reported $322K in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. The organization ran a surplus of $204K, a strong 63% operating margin.

Mission

TO HELP LOW-INCOME RURAL FAMILIES.

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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 $297,254

Investment Income $24,584

Other Revenue $292

TOTAL REVENUE $322,130

Expense Breakdown

Grants Paid $0

Salaries & Benefits $17,964

Fundraising Expenses $0

Program Expenses $10,509

Other Expenses $99,834

TOTAL EXPENSES $117,798

Year-over-Year Comparison

	2024	2023	Change
Revenue	$322,130	$270,553	+0.2%
Expenses	$117,798	$47,312	+1.5%
Net Income	$204,332	$223,241	-0.1%

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
BREGORY V CROTCHET	DIRECTOR	N/A	Director	$0	$0	$0
HAROLD GARY	DIRECTOR	N/A	Officer Director	$0	$0	$0
BENNIE HUTCHINS	PRES/DIR	N/A	Officer Director	$0	$0	$0
CATHY OLDHAM	VICE PRESIDE	N/A	Director	$0	$0	$0
ROBERT STEELE	DIRECTOR	N/A	Director	$0	$0	$0
MARTHA WATTS	DIRECTOR	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	$322,130	$117,798	$5,983,936	$204,332
2024	$270,553	$47,312	$5,779,592	$223,241
2023	$262,904	$41,534	$5,557,999	$221,370
2022	$248,456	$72,096	$5,336,662	$176,360
2021	$165,467	$50,841	$5,160,410	$114,626
2020	$206,507	$60,723	$5,045,642	$145,784
2019	$167,300	$78,977	$4,945,201	$88,323

MISSISSIPPI RURAL RESOURCE CORPORATION