RUAJ MINISTRY (EIN 862504231) - 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

2021

Legal Domicile

Principal Officer

SERGIO ROMERO

Phone

8013588350

Tax Period

2025-01-01 to 2025-12-31

RUAJ MINISTRY, founded in 2021, is a small nonprofit that reported $723K in total revenue in fiscal year 2025. Revenue fell 57% from the prior year — a significant decline worth monitoring. Expenses of $986K exceeded revenue, resulting in a 37% operating deficit.

Mission

We connect people and churches on a global level through short missions and service trips

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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 $722,510

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $722,510

Expense Breakdown

Grants Paid $0

Salaries & Benefits $112,355

Fundraising Expenses $0

Program Expenses $844,181

Other Expenses $874,126

TOTAL EXPENSES $986,481

Year-over-Year Comparison

	2025	2024	Change
Revenue	$722,510	$1,666,752	-0.6%
Expenses	$986,481	$1,983,142	-0.5%
Net Income	$-263,971	$-316,390	-0.2%

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

N/A

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
SERGIO ROMERO	President	35.00	Director	$0	$0	$0
ALBERTO MARUCCO	Treasurer	27.00	Director	$0	$0	$0
FRANCISCO ARTAVIA DONAS	Director	32.00	Director	$0	$0	$0
GERSON PANCORBO	Treasurer	29.00	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	$722,510	$986,481	$50,179	$-263,971
2024	$1,666,752	$1,983,142	$239,398	$-316,390
2023	$1,862,811	$2,166,740	$564,997	$-303,929
2022	$1,378,293	$1,198,317	$859,008	$179,976
2021	$929,636	$252,798	$676,838	$676,838

RUAJ MINISTRY