Ruth Edmundson Ramsey Scholarship Fund Inc (EIN 752406360) - 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

1991

Legal Domicile

Principal Officer

Ricky D McGraw

Phone

2542051880

Tax Period

2024-04-01 to 2025-03-31

Ruth Edmundson Ramsey Scholarship Fund Inc, founded in 1991, is a micro nonprofit in the Education sector that reported $73K in total revenue in fiscal year 2024. Revenue fell 23% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $12K, a strong 16% operating margin.

Mission

Advance higher education through scholarships.

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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 $50,745

Program Service Revenue $0

Investment Income $22,243

Other Revenue $0

TOTAL REVENUE $72,988

Expense Breakdown

Grants Paid $60,993

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $61,177

Other Expenses $184

TOTAL EXPENSES $61,177

Year-over-Year Comparison

	2024	2023	Change
Revenue	$72,988	$95,391	-0.2%
Expenses	$61,177	$65,711	-0.1%
Net Income	$11,811	$29,680	-0.6%

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

Independent Members

Employees

N/A

Volunteers

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
Ralph Tillman Ferrell	Director	001.00	Director	$0	$0	$0
Terry Golden	Vice President	005.00	Officer Director	$0	$0	$0
Ricky McGraw	President	005.00	Officer Director	$0	$0	$0
Paula McClure	Secretary	005.00	Officer Director	$0	$0	$0
William R Page	Vice President	005.00	Officer	$0	$0	$0
Jennifer Harrison	Treasurer	005.00	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
2025	$72,988	$61,177	$949,364	$11,811
2024	$95,391	$65,711	$898,484	$29,680
2023	$93,261	$35,676	$858,964	$57,585
2022	$88,588	$32,379	$801,379	$56,209
2021	$140,722	$45,368	$771,694	$95,354

Ruth Edmundson Ramsey Scholarship Fund Inc