THE RAL NATIONAL ASSOCIATION INC

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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

2018

Legal Domicile

Principal Officer

VICTORIA FITZPATRICK

Phone

4805678261

Tax Period

2023-01-01 to 2023-12-31

THE RAL NATIONAL ASSOCIATION INC, founded in 2018, is a community nonprofit in the Community Improvement sector that reported $4.0M in total revenue in fiscal year 2023. Revenue surged 1577% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.1M, a strong 27% operating margin.

Mission

EDUCATE, SUPPORT AND REPRESENT THE SENIOR HOUSING INDUSTRY SO THAT THE LIVES OF ELDERLY INDIVIDUALS WILL BE ENHANCED.

Program Service Accomplishments

Program 1

Expenses: $2,802,300 Revenue: $3,962,485

EDUCATE, SUPPORT AND REPRESENT THE SENIOR HOUSING INDUSTRY. PROVIDED ONGOING SUPPORT AND CONSULTATION FOR HOME CARE OWNERS AND OPERATORS, WHICH IN TURN BENEFITS THE THOUSANDS OF ELDERLY RESIDENTS OF...

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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 $0

Program Service Revenue $3,962,485

Investment Income $2,361

Other Revenue $0

TOTAL REVENUE $3,964,846

Expense Breakdown

Grants Paid $550,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,802,300

Other Expenses $2,344,534

TOTAL EXPENSES $2,894,534

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,964,846	$236,401	+15.8%
Expenses	$2,894,534	$160,411	+17.0%
Net Income	$1,070,312	$75,990	+13.1%

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

N/A

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
MONA GUARINO	PRESIDENT, DIRECTOR	10.00	Officer Director	$0	$0	$0
ISABELLE GUARINO	SECRETARY, DIRECTOR	5.00	Officer Director	$0	$0	$0
ANTONIO GUARINO	DIRECTOR	5.00	Officer Director	$0	$0	$0
VICTORIA FITZPATRICK	TREASURER, DIRECTOR	10.00	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	$3,964,846	$2,894,534	$1,128,093	$1,070,312
2022	$236,401	$160,411	$87,781	$75,990
2018	$5,000	$16,562	$28,438	$-11,562