RIPPLE OF ONE (EIN 800602523) - 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

2010

Legal Domicile

Phone

8648828777

Tax Period

2024-01-01 to 2024-12-31

RIPPLE OF ONE, founded in 2010, is a community nonprofit in the Education sector that reported $1.1M in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $252K, a strong 22% operating margin.

Mission

THE MISSION OF RIPPLE OF ONE IS TO EMPOWER FAMILIES TO MOVE BEYOND GOVERNMENT ASSISTANCE AND INTO THEIR FULL GOD-GIVEN POTENTIAL.

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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 $615,175

Program Service Revenue $0

Investment Income $63,509

Other Revenue $468,837

TOTAL REVENUE $1,147,521

Expense Breakdown

Grants Paid $111,510

Salaries & Benefits $559,770

Fundraising Expenses $0

Program Expenses $780,713

Other Expenses $224,732

TOTAL EXPENSES $896,012

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,147,521	$1,033,660	+0.1%
Expenses	$896,012	$707,220	+0.3%
Net Income	$251,509	$326,440	-0.2%

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

200

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

$85,651

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHANIE ENDERS	EXECUTIVE DIRECTOR	40.00	Officer	$85,651	$0	$85,651
DAJA DAVIDSON	DIRECTOR	2.00	Director	$0	$0	$0
DAVID ELDRIDGE	DIRECTOR	2.00	Director	$0	$0	$0
SAM HEAD	DIRECTOR	2.00	Director	$0	$0	$0
PAUL CAIN	DIRECTOR	2.00	Director	$0	$0	$0
AMY BAXTER	DIRECTOR	2.00	Director	$0	$0	$0
LEIGHTON CUBBAGE	DIRECTOR	2.00	Director	$0	$0	$0
AMY BAXTER	VICE CHAIR	2.00	Officer Director	$0	$0	$0
EARNESTINE WILLIAMS	SECRETARY	2.00	Officer Director	$0	$0	$0
ROBERT MARSHALL	TREASURER	3.00	Officer	$0	$0	$0
RANDY MOORE	BOARD CHAIRMAN	5.00	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	No data	No data	No data	No data
2024	$1,147,521	$896,012	$1,957,238	$251,509
2023	$1,033,660	$707,220	$1,702,662	$326,440
2022	$848,122	$724,231	$1,368,757	$123,891
2021	$1,098,150	$513,759	$1,246,899	$584,391
2020	$464,951	$388,771	$732,284	$76,180
2019	$514,777	$435,008	$602,528	$79,769
2018	$463,304	$331,017	$513,158	$132,287

RIPPLE OF ONE