RIPPLE EFFECT INC (EIN 812890142) - 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

2016

Legal Domicile

Principal Officer

HEATHER DEVEREAUX

Phone

6168954033

Tax Period

2024-06-01 to 2025-05-31

RIPPLE EFFECT INC, founded in 2016, is a small nonprofit that reported $725K in total revenue in fiscal year 2024. Revenue surged 134% from the prior year, signaling strong growth momentum. The organization ran a surplus of $481K, a strong 66% operating margin.

Mission

SUPPORTING PEOPLE AND PROGRAMS LOCALLY AND GLOBALLY BY EMPOWERING THOSE IN NEED.

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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 $725,469

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $725,469

Expense Breakdown

Grants Paid $10,330

Salaries & Benefits $125,271

Fundraising Expenses $0

Program Expenses $215,127

Other Expenses $108,606

TOTAL EXPENSES $244,207

Year-over-Year Comparison

	2024	2023	Change
Revenue	$725,469	$310,484	+1.3%
Expenses	$244,207	$236,475	+0.0%
Net Income	$481,262	$74,009	+5.5%

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

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

$21,893

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KIRK OOSTING	BOARD PRESIDENT	1.00	Officer Director	$0	$0	$0
RICK WESTERLING	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
TIM VANRHEE	TRUSTEE	1.00	Director	$0	$0	$0
VICKIE BIRD	TREASURER & SECRETARY	1.00	Officer Director	$0	$0	$0
JANESSA SMIT	TRUSTEE	1.00	Director	$0	$0	$0
TOM DONALD	TRUSTEE	1.00	Director	$0	$0	$0
CHRIS LEMKE	TRUSTEE	1.00	Director	$0	$0	$0
LISA JOHNSTON	TRUSTEE	1.00	Director	$0	$0	$0
HEATHER DEVEREAUX	EXECUTIVE DIRECTOR, RIPPLE EFFECT INC.	20.00	Director	$9,616	$0	$9,616
VICKI FERRIER	MINISTRY DIRECTOR, BRIDGET'S HOUSE	20.00	Director	$12,277	$0	$12,277

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	$725,469	$244,207	$790,794	$481,262
2024	$310,484	$236,475	$166,480	$74,009
2023	$227,903	$221,791	$71,222	$6,112
2022	$207,560	$193,042	$66,116	$14,518
2021	$186,445	$158,194	$52,527	$28,251
2020	$124,532	$137,437	$36,078	$-12,905
2019	$164,354	$142,776	$36,840	$21,578

RIPPLE EFFECT INC