OKLAHOMA RURAL LETTER CARRIERS ASSOCIATION (EIN 730943133) - 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

1903

Legal Domicile

Phone

4096599919

Tax Period

2021-07-01 to 2022-06-30

OKLAHOMA RURAL LETTER CARRIERS ASSOCIATION, founded in 1903, is a small nonprofit in the Employment sector that reported $124K in total revenue in fiscal year 2021. Revenue decreased 15% compared to the prior year. Expenses of $172K exceeded revenue, resulting in a 39% operating deficit.

Mission

TO IMPROVE THE METHODS USED BY RURAL CARRIERS TO COOPERATE WITH THE USPS AND THE PUBLIC FOR THE GOOD OF THE SERVICE TO PROMOTE A FRATERNAL SPIRIT AMONG ITS MEMBERS.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $118,469

Investment Income $5,129

Other Revenue $0

TOTAL REVENUE $123,598

Expense Breakdown

Grants Paid $0

Salaries & Benefits $96,750

Fundraising Expenses $0

Program Expenses $0

Other Expenses $75,566

TOTAL EXPENSES $172,316

Year-over-Year Comparison

	2021	2020	Change
Revenue	$123,598	$146,235	-0.2%
Expenses	$172,316	$164,715	+0.0%
Net Income	$-48,718	$-18,480	+1.6%

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

2097

Independent Members

N/A

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

$81,744

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
MARY ANN GREGORY	VICE PRESIDENT	Officer	$20,298	$0	$20,298
DELONNA CALLAWAY	PRESIDENT	Officer	$18,075	$0	$18,075
MICHELE HESTER	SECRETARY TREASURER	Officer	$27,718	$0	$27,718
DON MILLER	EXECUTIVE COMMITTEEMAN	Officer	$4,263	$0	$4,263
JANA TIGER	EXECUTIVE COMMITTEEMAN	Officer	$9,766	$0	$9,766
Peggy Arnold	EXECUTIVE COMMITTEEMAN	Officer	$1,624	$0	$1,624
Mary TitockVillareal	PAC Chair	Highest	$1,325	$0	$1,325
Terry Laudett	Chaplain	Highest	$331	$0	$331

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
2022	$123,598	$172,316	$548,697	$-48,718
2021	$146,235	$164,715	$634,936	$-18,480

OKLAHOMA RURAL LETTER CARRIERS ASSOCIATION