RUAH RETREAT AT THE RIVER (EIN 823205874) - 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

JESSE MINOR

Phone

2105612668

Tax Period

2021-01-01 to 2021-12-31

RUAH RETREAT AT THE RIVER, founded in 2017, is a micro nonprofit in the Religion sector that reported $49K in total revenue in fiscal year 2021. Revenue fell 84% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $16K, a strong 33% operating margin.

Mission

TO SUPPORT AND ENCOURAGE SILENT AND GUIDED RETREATS AND RELATED CONTEMPLATIVE ACTIVITIES FOR INDIVIDUALS, GROUPS, AND FAMILIES BY PROVIDING FUNDING TO CHARITABLE ORGANIZATIONS OFFERING THESE ACTIVITIES OR TO INDIVIDUALS SEEKING TO PARTICIPATE IN THESE ACTIVITIES.

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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 $0

Investment Income $42,620

Other Revenue $6,820

TOTAL REVENUE $49,440

Expense Breakdown

Grants Paid $20,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $22,027

Other Expenses $13,232

TOTAL EXPENSES $33,232

Year-over-Year Comparison

	2021	2020	Change
Revenue	$49,440	$307,555	-0.8%
Expenses	$33,232	$34,861	0.0%
Net Income	$16,208	$272,694	-0.9%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JESSE MINOR	PRESIDENT/DIRECTOR	40.00	Officer Director	$0	$0	$0
EMILY GAMBINO	VICE PRESIDENT/SECRETARY/D	25.00	Officer Director	$0	$0	$0
DANIEL GAMBINO	TREASURER/DIRECTOR	10.00	Officer Director	$0	$0	$0
SUE MINOR	DIRECTOR	15.00	Director	$0	$0	$0
VICKI PETTY	DIRECTOR	2.50	Director	$0	$0	$0
BONNIE GILLEY	DIRECTOR	2.50	Director	$0	$0	$0
LO ALAMAN	DIRECTOR	2.50	Director	$0	$0	$0
ERIKA ALAMAN	DIRECTOR	2.50	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
2021	$49,440	$33,232	$2,740,109	$16,208
2020	$307,555	$34,861	$2,797,561	$272,694
2019	$702,550	$33,794	$2,535,757	$668,756
2018	$1,750,000	$29,226	$1,853,077	$1,720,774

RUAH RETREAT AT THE RIVER