TWELVE RIVERS FOUNDATION (EIN 020528403) - 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

2002

Legal Domicile

Principal Officer

JENNIFER HEALY

Phone

6038479596

Tax Period

2024-07-01 to 2025-06-30

TWELVE RIVERS FOUNDATION, founded in 2002, is a micro nonprofit in the Human Services sector that reported $36K in total revenue in fiscal year 2024. Revenue fell 62% from the prior year — a significant decline worth monitoring. Expenses of $78K exceeded revenue, resulting in a 115% operating deficit.

Mission

EDUCATION

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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 (2024)

Revenue Breakdown

Contributions & Grants $35,755

Program Service Revenue $0

Investment Income $278

Other Revenue $164

TOTAL REVENUE $36,197

Expense Breakdown

Grants Paid $15,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $73,634

Other Expenses $62,793

TOTAL EXPENSES $77,793

Year-over-Year Comparison

	2024	2023	Change
Revenue	$36,197	$94,946	-0.6%
Expenses	$77,793	$68,986	+0.1%
Net Income	$-41,596	$25,960	-2.6%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER HEALY	PRESIDENT	40.00	Officer Director	$0	$0	$0
REV JURAJ TEREK	DIRECTOR	1.00	Director	$0	$0	$0
BOBETTE HUZOVIC	DIRECTOR	6.00	Director	$0	$0	$0
JOSH MCCAIG	TREASURER	1.00	Officer Director	$0	$0	$0
CHARLOTTE HUST	DIRECTOR	1.00	Director	$0	$0	$0
PAULETTE KARDOS	DIRECTOR	1.00	Director	$0	$0	$0
LUCILLE DAY	DIRECTOR	1.00	Director	$0	$0	$0
OLIVIA MCCARTHY	SECRETARY	1.00	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	$36,197	$77,793	$21,506	$-41,596
2024	$94,946	$68,986	$60,608	$25,960
2023	$2,156	$1,288	$34,286	$868
2022	$119,651	$108,444	$33,418	$11,207
2021	$88,578	$76,236	$22,233	$12,342
2020	$186,346	$188,695	$9,398	$-2,349
2019	$299,828	$312,221	$12,061	$-12,393
2018	$295,552	$329,512	$24,592	$-33,960

TWELVE RIVERS FOUNDATION