RIPPLING WATERS (EIN 843050591) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

2019

Legal Domicile

Principal Officer

HANNAH TROXEL

Phone

6412264765

Tax Period

2025-01-01 to 2025-12-31

RIPPLING WATERS, founded in 2019, is a small nonprofit in the Housing & Shelter sector that reported $456K in total revenue in fiscal year 2025. Revenue surged 246% from the prior year, signaling strong growth momentum. The organization ran a surplus of $192K, a strong 42% operating margin.

Mission

REIMAGINE WAPELLO COUNTY BY RENOVATING, RESTORING AND CREATING NEIGHBORHOODS. REVITALIZE NEIGHBORHOODS THROUGH STRATEGIC COMMUNITY PLANNING, REMOVING BLIGHTED HOMES IN DEFINED AREAS TO ALLOW NEW DEVELOPMENT AND WORK TO CREATE NEW AFFORDABLE QUALITY HOUSING AND THRIVING NEIGHBORHOODS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $61,687

Program Service Revenue $57,294

Investment Income $65,547

Other Revenue $271,062

TOTAL REVENUE $455,590

Expense Breakdown

Grants Paid $0

Salaries & Benefits $117,821

Fundraising Expenses $0

Program Expenses $129,023

Other Expenses $145,763

TOTAL EXPENSES $263,584

Year-over-Year Comparison

	2025	2024	Change
Revenue	$455,590	$131,581	+2.5%
Expenses	$263,584	$216,543	+0.2%
Net Income	$192,006	$-84,962	-3.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BARB CODJOE	PAST CHAIRPE	1.00	Director	$0	$0	$0
AMAL ELTAHI	BOARD MEMBER	1.00	Director	$0	$0	$0
KELLY GENNERS	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN HELGERSON	BOARD MEMBER	1.00	Director	$0	$0	$0
KRISTIN LOVETT	BOARD MEMBER	1.00	Director	$0	$0	$0
ANDY MAW	SECRETARY	1.00	Officer Director	$0	$0	$0
MARC ROE	VICE CHAIRPE	1.00	Officer Director	$0	$0	$0
KIM SCHREINER	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN SIEMS	TREASURER	1.00	Officer Director	$0	$0	$0
HANNAH TROXEL	CHAIRPERSON	1.00	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
2025	$455,590	$263,584	$2,658,374	$192,006
2024	$131,581	$216,543	$2,459,196	$-84,962
2023	$164,219	$234,057	$2,332,773	$-69,838
2022	$258,347	$205,095	$2,174,438	$53,252
2021	$176,718	$252,694	$2,516,519	$-75,976
2020	$416,817	$396,944	$2,753,205	$19,873

RIPPLING WATERS