RURAL PARISH CLINIC (EIN 843396327) - 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

2019

Legal Domicile

Principal Officer

TERRI CAMMARATA

Phone

8888709610

Tax Period

2024-07-01 to 2025-06-30

RURAL PARISH CLINIC, founded in 2019, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2024. Revenue surged 141% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.2M, a strong 51% operating margin.

Mission

THE RURAL PARISH CLINIC, THROUGH THE MISSION OF JESUS CHRIST, PROVIDES PRIMARY HEALTHCARE AND SOCIAL SERVICES TO IMPROVE THE HEALTH AND WELL-BEING OF UNINSURED PERSONS IN THE RURAL COMMUNITIES OF THE ARCHDIOCESE OF ST. LOUIS.

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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 $1,964,953

Program Service Revenue $0

Investment Income $307,519

Other Revenue $539

TOTAL REVENUE $2,273,011

Expense Breakdown

Grants Paid $37,040

Salaries & Benefits $721,561

Fundraising Expenses $3,222

Program Expenses $1,084,574

Other Expenses $350,027

TOTAL EXPENSES $1,111,850

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,273,011	$944,867	+1.4%
Expenses	$1,111,850	$794,656	+0.4%
Net Income	$1,161,161	$150,211	+6.7%

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

109

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

$39,158

Total Directors

$14,265

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SR MARY RACHEL NERBUN	MEDICAL DIRECTOR	25.00	Officer Director	$0	$14,265	$14,265
BONNIE ECKELKAMP	BOARD MEMBER (THRU 12/2024)	0.30	Director	$0	$0	$0
DR MIKE FADDIS	BOARD MEMBER (THRU 12/2024)	0.30	Director	$0	$0	$0
MATT FREEMAN	BOARD MEMBER	0.30	Director	$0	$0	$0
KATHY GANTZ	BOARD MEMBER	0.30	Director	$0	$0	$0
JOHN GLUNT	BOARD MEMBER	0.30	Director	$0	$0	$0
DR BILL GUYOL	BOARD MEMBER	0.30	Director	$0	$0	$0
DR MARK MCCARTHY	BOARD MEMBER	0.30	Director	$0	$0	$0
MARY B MILLS	BOARD MEMBER	0.30	Director	$0	$0	$0
REV FR CARL SCHEBLE	BOARD MEMBER	0.30	Director	$0	$0	$0
TERRI CAMMARATA	PRESIDENT/CEO	40.00	Officer	$0	$3,041	$24,893

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	$2,273,011	$1,111,850	$5,423,825	$1,161,161
2024	$944,867	$794,656	$4,251,324	$150,211
2023	$752,481	$679,872	$3,908,148	$72,609
2022	$418,555	$621,493	$3,538,185	$-202,938
2021	$1,439,071	$505,923	$4,156,751	$933,148
2020	$3,070,836	$199,252	$2,865,156	$2,871,584

RURAL PARISH CLINIC