Rural Opportunity Institute (EIN 991735506) - 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

2024

Legal Domicile

Principal Officer

Seth Saeugling

Phone

7204104320

Tax Period

2025-01-01 to 2025-12-31

Rural Opportunity Institute, founded in 2024, is a community nonprofit in the Community Improvement sector that reported $1.1M in total revenue in fiscal year 2025. Revenue decreased 7% compared to the prior year. Expenses of $1.2M exceeded revenue, resulting in a 13% operating deficit.

Mission

To build the capacity of rural communities to support poeples healing from generational trauma to achieve health, safety, connection, and self-determination.

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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 $992,397

Program Service Revenue $63,643

Investment Income $10,232

Other Revenue $-7,870

TOTAL REVENUE $1,058,402

Expense Breakdown

Grants Paid $0

Salaries & Benefits $779,342

Fundraising Expenses $67,888

Program Expenses $937,103

Other Expenses $348,998

TOTAL EXPENSES $1,190,950

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,058,402	$1,138,794	-0.1%
Expenses	$1,190,950	$1,280,974	-0.1%
Net Income	$-132,548	$-142,180	-0.1%

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

$307,756

Total Directors

Key Employees

$418,035

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Vichitra Jagannathan	CoFounder	40.00	Officer Key Emp Highest	$153,940	$0	$153,940
Seth Saeugling	CoFounder	40.00	Officer Key Emp	$153,816	$0	$153,816
Naomi Marsh	Dir Operations	40.00		$121,872	$0	$121,872
Graham Oberlandis	Dir of Systems Innovation & Policy	40.00	Key Emp	$110,279	$0	$110,279
Eulanda Thorne	Board	0.00	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	$1,058,402	$1,190,950	$1,448,083	$-132,548
2024	$1,138,794	$1,280,974	$2,038,590	$-142,180

Rural Opportunity Institute