RIPPLE EFFECTS GROUP

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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

2019

Legal Domicile

Principal Officer

Keisha B Spivey

Tax Period

2024-01-01 to 2024-12-31

RIPPLE EFFECTS GROUP, founded in 2019, is a small nonprofit in the Community Improvement sector that reported $498K in total revenue in fiscal year 2024. Expenses of $560K exceeded revenue, resulting in a 13% operating deficit.

Mission

To provide Housing and other needs to disadvantaged persons locallyand to provide the opportunity for children in Oyugis, Kenya toattend school

Program Service Accomplishments

Program 1

Expenses: $66,673

Provide temporary housing to disadvantaged and education to children in Oyugis, Kenya

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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 $492,639

Program Service Revenue $5,150

Investment Income $0

Other Revenue $13

TOTAL REVENUE $497,802

Expense Breakdown

Grants Paid $51,462

Salaries & Benefits $244,728

Fundraising Expenses $0

Program Expenses $66,673

Other Expenses $264,230

TOTAL EXPENSES $560,420

Year-over-Year Comparison

	2024	2023	Change
Revenue	$497,802	N/A	N/A
Expenses	$560,420	N/A	N/A
Net Income	$-62,618	N/A	N/A

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

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

$167,673

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
Keisha B Spivey	President	Officer	$75,000	$0	$75,000
Eric Spivey	Vice President	Officer	$50,000	$0	$50,000
Myia Spivey	Board Member	Officer	$42,673	$0	$42,673
Jessie Nunery	Board Member	Officer	$0	$0	$0
Renee Powell-Scott	Board Member	Officer	$0	$0	$0
Tasha Jones	Board Member	Officer	$0	$0	$0
Leleah Maher	Board Member	Officer	$0	$0	$0
Rita Tisdale	Board Member	Officer	$0	$0	$0
Kellie Riegel	Board Member	Officer	$0	$0	$0
Stephen Bortner	Board Member	Officer	$0	$0	$0
Linda Prezioso	Board Member	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
2024	$497,802	$560,420	$507,680	$-62,618
2023	$473,161	$511,037	$516,016	$-37,876
2022	$474,573	$450,816	$218,475	$23,757
2021	$219,985	$222,355	$171,511	$-2,370
2020	$137,805	$148,247	$173,830	$-10,442
2019	$67,913	$55,618	$172,155	$12,295