Rural Carrier's Provident Guild

Nonprofit profile at a glance

EIN
314392641
IRS 990-EZ coverage
2011–2024
Forms available
Form 990-EZ 2024
Location
Minster, OH, USA
Phone
4195012213
Rating
65
Verdict
SUPPORTED
Rating confidence
Moderate

Reported finances

Revenue
$16,006
Expenses
$72,186
Assets
$170,972
Liabilities
$11,280

Source: IRS Form 990-EZ. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

7 people listed

Executive titles in this filing

  • SUSAN ROBINSON (PRESIDENT)

People named in this filing

  • SUSAN TIFFANY (PAST PRESIDE)
  • NADINE CHAPLIN (PAST VICE PR)
  • DIANA HAUSFELD (TREASURER)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990-EZ. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

This is a fraternal, death benefit organization in which membership is open to all regular, substitute rcr, rca, and ptf rural carriers and their spouses, who are under 56 years of age.

What it reported doing in 2024

This is a fraternal, death benefit organization in which membership is open to carriers and their spouses, who are under 56 years of age. An eligible individual who elects to join selects a benefit class. The class chosen determines the amount of their annual dues, which ranges from 5 to 50. The 5 annual dues membership produces a minimum benefit of 150 with a maximum benefit of 500. Benefits are graduated up to the 50 annual class, which has a minimum benefit of 1,500 and a maximum benefit of 5,000.

Operating model

Revenue model
Membership-supported. 64% of the money available for current operations came from membership dues.
Distribution model
Transfer-based 990-EZ. The 990-EZ reports grants or member benefits, but it does not separate enough spending to show the nonprofit’s full delivery mix.

The verdict

SUPPORTED - The filed numbers largely add up and a large share of available resources goes toward mission work. Revenue has declined or grown slowly and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 62
  • Transparency & Controls: 82
  • Sustainability: 25
  • Growth: 0

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 100%; rating input score 100
  • Program expense ratio: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
  • Major donor itemization: Limited

Sustainability

  • Operating margin: -351%; rating input score 3; 3rd percentile among comparable filings
  • Total-asset coverage ratio: 2.37; rating input score 69; 69th percentile among comparable filings
  • Liabilities to assets ratio: 0.07; rating input score 20; 20th percentile among comparable filings
  • Officer compensation ratio: 6.6%; rating input score 10; 10th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: -3.7% per year; rating input score 0; 38th percentile among comparable filings
  • Asset growth: -5.1% per year; rating input score 0; 24th percentile among comparable filings

Details

  • Where the money goes: 100% of revenue deployed
  • Governance: Filed governance answers
  • Accomplishments: 1 filed program accomplishment
  • Leadership: top reported pay $0 · 7 people listed
  • Consistency: 6 of 6 current checks pass
  • Schedules: 1 filed schedules
  • Filing history: 14 filing years from 2011 to 2024
  • Contacts: How to reach this organization
  • Money network: 4 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Operating margin scored 3/100.
  • High — Growth: Asset growth scored 0/100.
  • High — Sustainability: Officer compensation ratio scored 10/100.
  • High — Sustainability: Liabilities to assets ratio scored 20/100.