ONION RIVER CROSSROADS INC (EIN 030262944) - 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

1976

Legal Domicile

Principal Officer

SUZANNE SMITH

Phone

8022491078

Tax Period

2022-07-01 to 2023-01-31

ONION RIVER CROSSROADS INC, founded in 1976, is a small nonprofit that reported $533K in total revenue in fiscal year 2022. Revenue fell 30% from the prior year — a significant decline worth monitoring. Expenses of $667K exceeded revenue, resulting in a 25% operating deficit.

Mission

WE WORK TO PROVIDE A SAFE AND STABLE ENVIRONMENT FOR YOUNG WOMEN AND THEIR FAMILIES TO LEARN NEW SKILLS, BUILD CONFIDENCE, AND FIND STRENGTH WHILE THEY PREPARE THEMSELVES FOR FUTURE GOALS.

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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 (2022)

Revenue Breakdown

Contributions & Grants $54,283

Program Service Revenue $23,027

Investment Income $456,079

Other Revenue $0

TOTAL REVENUE $533,389

Expense Breakdown

Grants Paid $537,542

Salaries & Benefits $64,320

Fundraising Expenses $0

Program Expenses $608,551

Other Expenses $65,399

TOTAL EXPENSES $667,261

Year-over-Year Comparison

	2022	2021	Change
Revenue	$533,389	$767,001	-0.3%
Expenses	$667,261	$854,068	-0.2%
Net Income	$-133,872	$-87,067	+0.5%

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

Volunteers

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

$118,477

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUZANNE SMITH	Executive Dir.	40.00	Officer	$89,040	$29,437	$118,477
KEVIN ESCHELBACH	President	1.00	Officer Director	$0	$0	$0
MOLLY SHRIVER-BLAKE	Secretary	1.00	Officer Director	$0	$0	$0
JERRY TILLOTSON	Director	1.00	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
2023	$533,389	$667,261	No data	$-133,872
2022	$767,001	$854,068	$418,404	$-87,067
2021	$977,715	$977,844	$514,215	$-129
2020	$1,013,682	$928,651	$539,144	$85,031
2019	$862,598	$883,384	$476,105	$-20,786
2018	$862,106	$895,217	$523,484	$-33,111

ONION RIVER CROSSROADS INC