Civic Intelligence

Ruth and Isaac

EIN 84-2741306 • 501(c)3 • Florham Park, NJ

Profile

To deliver holistic emotional, financial, physical and relational quality of life improvement using technology as an enabler. To provide space for emotional release, financial and fitness education, enhanced emotional, holistic care and relational support with the aim of reducing the immense toll on caregivers.

175 Brooklake RoadFlorham Park, NJ 07932

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

97th percentile

1.37x

Higher debt load relative to assets than 97% of similar nonprofits.

NTEE P12 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

97th percentile

0.87x

Higher debt load relative to revenue than 97% of similar nonprofits.

NTEE P12 • <$500k nonprofits • Source year 2024

Net Margin

89th percentile

76%

Higher net margin than 89% of similar nonprofits.

NTEE P12 • <$500k nonprofits • Source year 2024

Top Officer Pay

97th percentile

$0

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

NTEE P12 • <$500k nonprofits • Source year 2024

Asset Growth

100th percentile

8485%

Faster asset growth than 100% of similar nonprofits.

NTEE P12 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

98th percentile

1424%

Faster revenue growth than 98% of similar nonprofits.

NTEE P12 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets97th percentile

Assets

Up

$12,190

Up $12,048 (+8485%) from 2023

Liabilities

Down

$16,662

Down $2,550 (-13%) from 2023

Net Assets

Up

-$4,472

Up $14,598 (+77%) from 2023

Operations
Liabilities / Revenue97th percentileNet Margin89th percentile

Revenue

Up

$19,216

Up $17,955 (+1424%) from 2023

Expenses

Up

$4,618

Up $3,193 (+224%) from 2023

Net Income

Up

$14,598

Up $14,762 (+9001%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth100th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$20K$10K$0-$10K-$20KAssets 2019: $3,926Liabilities 2019: $18,300Net Assets 2019: -$14,3742019Assets 2020: $2,854Liabilities 2020: $18,517Net Assets 2020: -$15,6632020Assets 2021: $702Liabilities 2021: $18,517Net Assets 2021: -$17,8152021Assets 2022: $61Liabilities 2022: $18,967Net Assets 2022: -$18,9062022Assets 2023: $142Liabilities 2023: $19,212Net Assets 2023: -$19,0702023Assets 2024: $12,190Liabilities 2024: $16,662Net Assets 2024: -$4,4722024

Highlighted filing

2024

Assets$12,190
Liabilities$16,662
Net Assets-$4,472
Open 2024 Filing

Operations Trend

Revenue Growth98th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$20K$10K$0-$10K-$20KRevenue 2019: $4,361Expenses 2019: $18,735Net Income 2019: -$14,3742019Revenue 2020: $12,103Expenses 2020: $13,392Net Income 2020: -$1,2892020Revenue 2021: $7,352Expenses 2021: $9,504Net Income 2021: -$2,1522021Revenue 2022: $5,886Expenses 2022: $6,977Net Income 2022: -$1,0912022Revenue 2023: $1,261Expenses 2023: $1,425Net Income 2023: -$1642023Revenue 2024: $19,216Expenses 2024: $4,618Net Income 2024: $14,5982024

Highlighted filing

2024

Revenue$19,216
Expenses$4,618
Net Income$14,598
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,190
Liabilities
$16,662
Net assets
-$4,472
Revenue
$19,216
Expenses
$4,618
Net income
$14,598
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$12.2$16.7$4.47$19.2$4.62$14.6
2023Detailed filing. Detailed filing data is available for this year.$0.14$19.2$19.1$1.26$1.43$0.16
2022Detailed filing. Detailed filing data is available for this year.$0.06$19.0$18.9$5.89$6.98$1.09
2021Detailed filing. Detailed filing data is available for this year.$0.70$18.5$17.8$7.35$9.50$2.15
2020Detailed filing. Detailed filing data is available for this year.$2.85$18.5$15.7$12.1$13.4$1.29
2019Detailed filing. Detailed filing data is available for this year.$3.93$18.3$14.4$4.36$18.7$14.4
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 11, 2025
Return Version
2024v5.2
Gross Receipts
$19,216
Mission and Program Overview

Mission

To deliver holistic emotional, financial, physical and relational quality of life improvement using technology as an enabler. To provide space for emotional release, financial and fitness education, enhanced emotional, holistic care and relational support with the aim of reducing the immense toll on caregivers.

Program Services

DescriptionGrantsExpenses
To deliver holistic emotional, financial, physical and relational quality of life improvement using technology as an enabler. To provide space for emotional release, financial and fitness education, enhanced emotional, holistic care and relational support with the aim of reducing the immense toll on caregivers.-$3,600
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
RACHEAL FOSUPresident & CEO-$0--
Filing and Contact Details

Filer

Filer Name
Ruth and Isaac
EIN
84-2741306
Phone
6468790723
Address
175 BROOKLAKE ROAD, FLORHAM PARK, NJ 07932

Signing Officer

Name
Racheal Fosu
Title
President & CEO
Signed
2025-11-11
Discuss with paid preparer
Yes

Preparer

Firm
Barre & Company LLC
Address
2204 MORRIS AVE STE 206, UNION, NJ 07083
Preparer
Richard Barre
Phone
9086863484
Supplemental Narrative

Additional Explanations

Other Expenses.1002

“Office Expenses $18”

Other Expenses.1

“Donations and contributions $100”

Total Liabilities.1006

“Payable to Officers, Directors, Etc. - Beginning $19212 Payable to Officers, Directors, Etc. - Ending $16662”

Raw XML Appendix136 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990EZ/BooksInCareOfDetail/PersonNm0RACHEAL FOSU
IRS990EZ/BooksInCareOfDetail/PhoneNum06468790723
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0175 BROOKLAKE ROAD
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0FLORHAM PARK
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NJ
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd007932
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0142
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt012190
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt019216
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt014598
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01000
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0142
IRS990EZ/Form990TotalAssetsGrp/EOYAmt012190
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt03500
IRS990EZ/GrossReceiptsAmt019216
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0-19070
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0-4472
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0-19070
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0-4472
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0RACHEAL FOSU
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President & CEO
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt0118
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0To deliver holistic emotional, financial, physical and relational quality of life improvement using technology as an enabler. To provide space for emotional release, financial and fitness education, enhanced emotional, holistic care and relational support with the aim of reducing the immense toll on caregivers.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0To deliver holistic emotional, financial, physical and relational quality of life improvement using technology as an enabler. To provide space for emotional release, financial and fitness education, enhanced emotional, holistic care and relational support with the aim of reducing the immense toll on caregivers.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt03600
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt019212
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt016662
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt04618
IRS990EZ/TotalProgramServiceExpensesAmt03600
IRS990EZ/TotalRevenueAmt019216
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt019216
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt01261
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt05886
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt06261
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt010103
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt042727
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt00
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt042727
IRS990ScheduleA/SubstantialContributorsTotAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt019216
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt01261
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt05886
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt06261
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt010103
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt042727
IRS990ScheduleA/TotalSupportAmt042727
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Office Expenses $18
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DONATIONS AND CONTRIBUTIONS $100
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Payable to Officers, Directors, Etc. - Beginning $19212 Payable to Officers, Directors, Etc. - Ending $16662
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other Expenses.1002
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other Expenses.1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Total Liabilities.1006
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0RACHEAL FOSU
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President & CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RUTH AND ISAAC
ReturnHeader/Filer/BusinessNameControlTxt0RUTH
ReturnHeader/Filer/EIN0842741306
ReturnHeader/Filer/PhoneNum06468790723
ReturnHeader/Filer/USAddress/AddressLine1Txt0175 BROOKLAKE ROAD
ReturnHeader/Filer/USAddress/CityNm0FLORHAM PARK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NJ
ReturnHeader/Filer/USAddress/ZIPCd007932
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0821362217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BARRE & COMPANY LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02204 MORRIS AVE STE 206
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0UNION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NJ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd007083
ReturnHeader/PreparerPersonGrp/PhoneNum09086863484
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Richard Barre
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-11-11T14:55:22-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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