RURAL BROADBAND COOPERATIVE

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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

HENRY MCCREARY

Phone

8146432279

Tax Period

2025-01-01 to 2025-12-31

RURAL BROADBAND COOPERATIVE, founded in 2018, is a small nonprofit in the Public & Societal Benefit sector that reported $367K in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $351K left a modest 4% surplus.

Mission

RURAL BROADBAND COOPERATIVE (RBC) IS A NON-PROFIT COOPERATIVE COMPRISED OF DEDICATED RESIDENTS OF THE AREA, WHO ARE WORKING TO PROVIDE AN ALTERNATIVE, RELIABLE AND AFFORDABLE "FIXED WIRELESS" BROADBAND INTERNET SERVICE FOR OUR RURAL AREAS

Program Service Accomplishments

Program 1

Expenses: $351,423 Revenue: $328,119

TO PROVIDE AN ALTERNATIVE, RELIABLE AND AFFORDABLE FIXED WIRELESS BROADBAND INTERNET SERVICE FOR OUR RURAL AREAS

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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 (2025)

Revenue Breakdown

Contributions & Grants $38,636

Program Service Revenue $328,119

Investment Income $0

Other Revenue $0

TOTAL REVENUE $366,755

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $351,423

Other Expenses $351,423

TOTAL EXPENSES $351,423

Year-over-Year Comparison

	2025	2024	Change
Revenue	$366,755	$323,197	+0.1%
Expenses	$351,423	$284,703	+0.2%
Net Income	$15,332	$38,494	-0.6%

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
BRANDON BECK	PRESIDENT	8.00	Officer	$0	$0	$0
BRIAN WEAVER	TREASURER	8.00	Officer	$0	$0	$0
VANCE HENSLER	VICE PRESIDENT	8.00	Officer	$0	$0	$0
HENRY MCCREARY	GENERAL MANAGER	8.00	Officer	$0	$0	$0
DWIGHT RITTENHOUSE	BOARD MEMBER	8.00	Officer	$0	$0	$0
TOM BRACKEN	BOARD MEMBER	8.00	Officer	$0	$0	$0
DAVID GARDNER	BOARD MEMBER	8.00	Officer	$0	$0	$0
JOHN HEWITT	BOARD MEMBER	8.00	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	$366,755	$351,423	$503,480	$15,332
2024	$323,197	$284,703	$488,148	$38,494
2023	$293,798	$291,097	$449,654	$2,701
2022	$223,774	$225,996	$446,953	$-2,222
2021	$268,958	$228,526	$449,175	$40,432
2020	$442,980	$92,933	$408,743	$350,047