Inside Out Club EIN 46-1125962 Form 990 (PDF) Claim this org

Inside Out Club

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Teaches youth social-emotional skills for better mental health and leadership. For fiscal year 2025 it reported $214K in revenue, $206K in expenses, and $193K in net assets.Pt I

Type
Public foundation / grantmaker · Foundations & Grantmakers
Location
Naperville, IL
Website
www.insideoutclub.org
Filings
4 on file (2022–2025)
Revenue
$214KFY2025
Expenses
$206K
Net assets
$193K
People
10
Filings
4
Updates
0
More identity details & actions ⌄
EIN  46-1125962 Public foundation / grantmaker Naperville, IL
Form 990 (PDF)
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Size
$100K–1M
What they do
Teaches youth social-emotional skills for better mental health and leadership.
Leadership
Marion B Ruthig · Executive Director · $70K
Money in and out
$214K revenue, $206K expenses
Bottom line
80% program efficiency
Grants paid & assets · FY2025
Total revenue
$214K
Pt VIII · Ln 12
Total expenses
$206K
Pt IX · Ln 25
Net assets
$193K
Pt X · Ln 32
Revenue less expenses (Pt I · Ln 19): $8K
Where spending went · Part IX cols B–D
Program services $0.80 Management & general $0.07 Fundraising $0.13
Program efficiency
80%
of spending reaches programs▲ +4% vs prior filing year
Operating runway
11.3mo
months of highly liquid reserves at operating expense rate▼ -6% vs prior filing year
Surplus margin
+4%
revenue over expenses, this year▼ -85% vs prior filing year

Summary of the Filing

Part I · fiscal year 2025 · Form 990
Revenue
$214K
FY2025▼ -13%
Expenses
$206K
FY2025▲ +12%
Total assets
$193K
FY2025▲ +4%
Total liabilities
$0
FY2025
Total revenue
$214K
Pt VIII · Ln 12
Total expenses
$206K
Pt IX · Ln 25
Net assets
$193K
Pt X · Ln 32
Revenue less expensesPt I · Ln 19$8K
Total assetsPt X · Ln 16$193K
Program-expense ratioPt IX · col B80%
Voting members of governing bodyPt I · Ln 39
Independent voting membersPt I · Ln 49

Identity & Classification

Form 990 Header · IRS Business Master File
Legal nameHdr · item CInside Out Club
EINHdr · item D46-1125962
Principal addressHdr · item CNaperville, IL
WebsiteHdr · item Jwww.insideoutclub.org
Year of formationHdr · item Lpending
State of legal domicileHdr · item MIL
Exempt statusHdr · item I501(c)(3) · active
NTEE classificationIRS BMFFoundations & Grantmakers (T50)
Ruling yearIRS BMFNov 2012

Governance & Policies

Part VI
Voting members of the governing bodyPt VI · Ln 1a9
Independent voting membersPt VI · Ln 1b9
Conflict-of-interest policyPt VI · Ln 12aYes
Whistleblower policyPt VI · Ln 13Yes
Document retention policyPt VI · Ln 14Yes
CEO/top-official compensation independently reviewedPt VI · Ln 15aYes
Family or business relationships among officers/directorsPt VI · Ln 2No

Officers, Directors & Key Employees

Part VII, Section A · reportable compensation · most recent filed roster (FY2024); the FY2025 filing did not itemize Part VII
Executive Director
$69,583Pt VII · Sec A
President
$0Pt VII · Sec A
Past President
$0Pt VII · Sec A
$0Pt VII · Sec A
Vice President
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Treasurer
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A

Marion B Ruthig’s $70K as Executive Director is at the 65th percentile of top reported officer pay among 1264 $100K–1M philanthropy & grantmaking nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 3 named individuals · Part VII

NameFY2025FY2024FY2023FY2022
Marion B Ruthig$69,583$60,917$65,000$52,750
Brittany Rhyne$32,146$33,750$28,500
Lauren McDonald$8,382$12,000$10,583

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Mission & Programs · Part III

Where the work happens

3 program services account for $131K of program spending, described in the organization's own filed words · FY2024.
01

Inside Out Club Dupage (iocd) Series Programs

K-5th Series (extracurricular program; 1 hour per week; 5-weeks; twice a year) Lessons with videos, books, discussions and hands-on service projects. Each series is led by IOCD staff or trained volunteers, including many teachers and social workers. During the 2024-25 school year we served 814 kids through this program.

$74Kprogram expense
02

Business Designers 4 Good

middle school program to empower students to develop skills in entrepreneurship, leadership, social responsibility and emotional intelligence. Offered after school as well as a summer camp version. Last year IOC had 57 participants.

$35Kprogram expense
03

Pre-K

5th Events: (18-20 one-hour events offered individually throughout the year) These events are designed for families with children ages 3-12, are led by trained volunteers or IOCD staff and are hosted at a variety of community locations, often on weekends. (45-60 minutes each; $15 per child/ adults free).

$22Kprogram expense

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Statement of Revenue

Part VIII
Contributions & grants$152K · 71%
Program service revenue$55K · 26%
Investment income$6K · 3%
Other revenue$1K · 1%
Contributions & grants71%$152K
Program service revenue26%$55K
Investment income3%$6K
Other revenue1%$1K
— government grantsLn 1e$2K
Total revenueLn 12$214K

Statement of Functional Expenses

Part IX · allocated across program, management, and fundraising
Allocation · columns B–D
Program services $0.80 Management & general $0.07 Fundraising $0.13
Program services80%$166K
Management & general7%$14K
Fundraising13%$27K
Total functional expensesLn 25$206K

Balance Sheet

Part X · end of year
CashLn 1$142K
Total assetsLn 16$193K
Total liabilitiesLn 26$0
Total net assetsLn 32$193K
Months of cash on handcomputed8.3

Financial Metrics

Form 990 · FY2025 · each ratio shown with the dollars behind it
Liquidity & Payout
Operating runway
Highly liquid reserves $193K · Operating expenses (Pt IX) $206K · Less non-cash grants $1K · Cash operating expenses/yr $205K
11.3 months
Where the money goes
Program services
Program services $166K · Total expenses $206K
80%
Management & General
Management & general $14K · Total expenses $206K
7%
Fundraising
Fundraising $27K · Total expenses $206K
13%
Cost to raise $1
Fundraising expense (2-yr avg) $27K · Solicited contributions (2-yr avg) $158K
$0.17 to raise $1 (2-yr avg)
Where the money comes from
Contribution dependence
Contributions & grants $152K · Total revenue $214K
71%
Government reliance
Government grants $2K · Total revenue $214K
1%
Earned-income share
Program service revenue $55K · Total revenue $214K
26%
Investment reliance
Investment income $6K · Total revenue $214K
+3%
Program self-sufficiency
Program service revenue $55K · Total expenses $206K
27%
Growth & trend
Revenue growth (YoY)
This year $214K · Prior year $245K
-13%
Net-asset trend (YoY)
End of year $193K · Beginning of year —
Beginning net assets not meaningfully positive — showing dollar change
Balance sheet
Surplus Margin
Revenue $214K · Expenses $206K
+4%
Liabilities-to-Assets
Total liabilities — · Total assets $193K
Net-asset ratio
Net assets $193K · Total assets $193K
100%
Marketable Investment Share
Publicly traded securities (Pt X, ln 11) $0 · Other securities (Pt X, ln 12) $50K · Total assets (Pt X, ln 16) $193K
26%
People & payroll
Highest Reported Total Compensation
Individual Marion B Ruthig · Reported title Executive Director · Highest reported compensation $70K · Total expenses $206K
34%
Personnel share
Salaries, benefits & payroll (Pt IX 5-10) $125K · Total expenses $206K
61%
Peer comparison

Same NTEE category, revenue band, and state where available. Descriptive — not a grade.

MetricThis orgPeer medianPercentile
Program ratio 80%
Overhead ratio 7%
Fundraising cost ratio 18%
Revenue growth -13%
Investment management fee ratio 0%
Legal fee ratio 0%
Accounting fee ratio 0.2%
Fundraising fee ratio 0%

Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.

Grants

Schedule I · funders on record
Grants received · FY2025
Total grants receivedfrom 1 funder$6K

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Filings & Schedule Manifest

Part IV
III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
FY2025 (Latest)$214K revenue · viewing · ⤓ 990 PDF
FY2024$245K revenue · ⤓ 990 PDF
FY2023$187K revenue · ⤓ 990 PDF
FY2022$145K revenue · ⤓ 990 PDF

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Sources

Every figure above is drawn from these filings
Form 990 e-file (XML) · FY2025IRS
Classification, formation year, addressIRS Business Master File
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