Housing & Shelter (L21Z) IRS Verified DX Registered 990 on File

RUPCO INC

EIN: 22-2368174 · KINGSTON, NY 12401-3843 · United States · FY 2024 Data

3 out of 5 59 / 100 Based on 2+ years of filings

Financial strength (30%) 93/100

Reliability (20%) 55/100

Effectiveness (25%) 88/100

Impact (25%) No data yet

Financial data: FY 2024 · Scored 9/13/2026

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Mission Statement

RUPCO is the Hudson Valley region's leading provider of and advocate for quality, affordable housing and community development programs aimed to provide opportunity and revitalize communities. At RUPCO, we believe that everyone deserves quality, healthy and sustainable housing at an affordable price and we know communities thrive when there is diversity in their economic make-up and housing stock. Housing is a critical component of effective economic development, open space policy, and there is a proven connection between creation of stable housing and the positive impact on jobs, education, health, the economy, public safety, and other important facets of American life. Our Mission: To create homes, support people and improve communities. Our Vision: For strong, vibrant and inclusive communities with a home and opportunity for everyone.

Financial Overview — FY 2024

$17.3M

Total Revenue

$15.0M

Total Expenses

$17.2M

Net Assets

136

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 85.7%

Fundraising Efficiency 0.0%

Operating Reserve 13.76x

Liability-to-Asset 50.3%

Revenue Diversification 47.6%

Executive Compensation $534K

Compared with Peers

FY 2024

Compared with 456 similar organizations (United States, Housing & Shelter, $10M–$100M in expenses), FY 2024.

This organization Middle half of peers (P25–P75) Peer median

Ratio	This org	Peer median	Position (P10 → P90)
Program expense ratio Program expenses / total expenses · higher is better	85.7%	87.9%	P10P90	Below median
Admin expense ratio Management and general / total expenses · lower is better	14.3%	10.3%	P10P90	Below median
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	0.0%	0.0%	P10P90	Top quarter
Fundraising efficiency Fundraising expenses / gross fundraising income · lower is better	0.0%	546.2%	P10P90	Top quarter
Operating reserve Months of expenses covered by net assets · higher is better	13.8 mo	6.7 mo	P10P90	Above median
Liabilities to assets Total liabilities / total assets · lower is better	50.3%	61.2%	P10P90	Above median
Revenue concentration Share of revenue from the largest source · lower is better	47.6%	91.0%	P10P90	Top quarter
Revenue growth Year over year revenue growth	34.3%	9.8%	P10P90
Expense growth Year over year expense growth	5.5%	7.9%	P10P90
Surplus margin Surplus as a share of revenue	13.3%	0.4%	P10P90

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2024	$17.3M	$15.0M	$17.2M	85.7%	136
2023	$12.8M	$14.2M	$14.9M	85.2%	122
2022	$13.3M	$13.5M	$16.3M	86.4%	122
2021	$11.1M	$10.1M	$16.6M	83.9%	77

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Organization Details

EIN: 22-2368174
State: NY
City: KINGSTON
ZIP: 12401-3843
Classification: L21Z
Category: Housing & Shelter
Rating: 3★
Coverage: A
Last Updated: Aug 2026
IRS Ruling Year: 1981
Foundation Code: 15
Form 990: On File

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CharityAI™ rates charities from 0 to 100 using public filings (IRS Form 990 and the equivalent registries outside the US) together with the information the charity itself provides on DonationX. Ratings are recalculated every quarter, without human bias, and shown as stars.

Four pillars

Financial strength30%

Program expense ratio, fundraising efficiency, operating reserves, liabilities and revenue diversification, compared with similar organizations.

Reliability20%

Standing with the registry, filing history, verification and how complete the profile is.

Effectiveness25%

How much goes to programs and how consistently the organization delivers them.

Impact25%

The outcomes the charity reports on DonationX: people served, cost per service and results.

Stars

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"Compared with peers" places the charity's key ratios against organizations of the same country, sector and size.

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