RUTH CHEATHAM FOUNDATION COLLEGE FUND (EIN 822633861) - 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

2017

Legal Domicile

Principal Officer

LINDSAY WHITTEMORE

Tax Period

2023-01-01 to 2023-12-31

RUTH CHEATHAM FOUNDATION COLLEGE FUND, founded in 2017, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $945K in total revenue in fiscal year 2023. Revenue surged 52% from the prior year, signaling strong growth momentum. Expenses of $820K left a modest 13% surplus.

Mission

TRCF PROVIDES A COMPREHENSIVE SET OF ESSENTIAL SUPPORT PROGRAMS FOR TEENS AND YOUNG ADULT CANCER SURVIVORS: FINANCIAL AID, THROUGH NEEDS BASED COLLEGE SCHOLARSHIPS - EDUCATIONAL SUPPORT, THROUGH TUTORING, CAREER READINESS, AND PEER MENTORING- AND ADVOCACY.

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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 (2023)

Revenue Breakdown

Contributions & Grants $833,734

Program Service Revenue $0

Investment Income $24,619

Other Revenue $86,922

TOTAL REVENUE $945,275

Expense Breakdown

Grants Paid $546,750

Salaries & Benefits $251,997

Fundraising Expenses $54,075

Program Expenses $729,325

Other Expenses $21,383

TOTAL EXPENSES $820,130

Year-over-Year Comparison

	2023	2022	Change
Revenue	$945,275	$623,836	+0.5%
Expenses	$820,130	$424,247	+0.9%
Net Income	$125,145	$199,589	-0.4%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAREN CHEATHAM	BOARD MEMBER	2.00	Director	$0	$0	$0
ANNA FRANK	BOARD SECRETARY	5.00	Director	$0	$0	$0
BRIAN VAUGHN	BOARD MEMBER	1.00	Director	$0	$0	$0
LINDSAY WHITTEMORE	EXECUTIVE DIRECTOR BOARD ME	40.00	Officer Director Key Emp	$0	$0	$0
DOUGLAS WHITTEMORE	BOARD TREASURER	5.00	Officer Director	$0	$0	$0
ANGIE CHEATHAM	BOARD PRESIDENT	2.00	Officer 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
2024	No data	No data	No data	No data
2023	$945,275	$820,130	$1,057,275	$125,145
2022	$623,836	$424,247	$924,447	$199,589
2021	$612,621	$148,343	$722,433	$464,278
2020	$108,449	$78,512	$258,154	$29,937
2019	$197,104	$56,977	$228,217	$140,127

RUTH CHEATHAM FOUNDATION COLLEGE FUND