HB RUBY

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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

2021

Legal Domicile

Principal Officer

Lisa Highley

Phone

7206709241

Tax Period

2025-01-01 to 2025-12-31

HB RUBY, founded in 2021, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2025. The organization ran a surplus of $1.6M, a strong 100% operating margin.

Mission

Operating a Biblical retreat at which military families, wounded warriors, persons suffering from chronic illness, families with disabled children, persons recovering from addiction, persons re-entering society from prison, dedicated servants at churches and charities, families struggling with marriage, stress, grief, and loss, and others in need may find healing and restoration.

Program Service Accomplishments

Program 1

Expenses: $5,786

Provided one-week retreats for six pastors and their families, two religious groups, and one firefighter family.

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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 $1,588,916

Program Service Revenue $0

Investment Income $14

Other Revenue $0

TOTAL REVENUE $1,588,930

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $5,786

Other Expenses $3,761

TOTAL EXPENSES $3,761

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,588,930	N/A	N/A
Expenses	$3,761	$4,982	-0.2%
Net Income	$1,585,169	$-4,982	-319.2%

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

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
Lisa Highley	President	4.00	Officer Director	$0	$0	$0
Laurie Sanders	at-large director	1.00	Director	$0	$0	$0
Marianne Highley	Treasurer	2.00	Officer Director	$0	$0	$0
Jason Highley	vice-president	1.00	Officer Director	$0	$0	$0
Martha Atkisson	Secretary	1.00	Officer Director	$0	$0	$0
David Cox	at-large director	1.00	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	$1,588,930	$3,761	$1,616,660	$1,585,169
2025	$1,588,930	$3,761	$1,616,660	$1,585,169