SAVE THE RIVER INC (EIN 161125061) - 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

1978

Legal Domicile

Principal Officer

BRIDGET WRIGHT

Phone

3156862010

Tax Period

2024-11-01 to 2025-10-31

SAVE THE RIVER INC, founded in 1978, is a small nonprofit in the Environment sector that reported $484K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. Net assets of $1.7M represent 42 months of operating reserves.

Mission

TO PROTECT AND PRESERVE THE ECOLOGICAL INTEGRITY OF ST. LAWRENCE RIVER THROUGH ADVOCACY, EDUCATION AND RESEARCH.

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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 $402,367

Program Service Revenue $17,080

Investment Income $40,219

Other Revenue $23,974

TOTAL REVENUE $483,640

Expense Breakdown

Grants Paid $0

Salaries & Benefits $364,731

Fundraising Expenses $58,295

Program Expenses $341,007

Other Expenses $118,246

TOTAL EXPENSES $482,977

Year-over-Year Comparison

	2024	2023	Change
Revenue	$483,640	$419,357	+0.2%
Expenses	$482,977	$432,691	+0.1%
Net Income	$663	$-13,334	-1.0%

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

167

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

$59,777

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIDGET WRIGHT	EXEC. DIREC.	40.00	Officer	$59,777	$0	$59,777
JANET BURROWS	DIRECTOR	0.20	Director	$0	$0	$0
LAURA CEROW	DIRECTOR	0.20	Director	$0	$0	$0
ISABELLA COLELLO	DIRECTOR/VIC	1.00	Officer Director	$0	$0	$0
MATT ELLIOT	MEMBER AT LA	0.20	Director	$0	$0	$0
RICK GREGWARE	DIRECTOR/PAS	0.20	Director	$0	$0	$0
LAWRENCE GUNTHER	DIRECTOR	0.20	Director	$0	$0	$0
DR LEE HARPER	DIRECTOR	0.20	Director	$0	$0	$0
HEATHER MCNALLY	DIRECTOR/PRE	1.00	Officer Director	$0	$0	$0
JAMES MCGARRY	DIRECTOR	0.20	Director	$0	$0	$0
RICH ROSSMASSLER	DIRECTOR	0.20	Director	$0	$0	$0
JUDY SWEET	DIRECTOR/TRE	1.00	Officer Director	$0	$0	$0
LAURAN THROOP	DIRECTOR	0.20	Director	$0	$0	$0
HEATHER WHITE	DIRECTOR/SEC	1.00	Officer Director	$0	$0	$0
NORMA ZIMMER	DIRECTOR	0.20	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	$483,640	$482,977	$1,783,617	$663
2024	$419,357	$432,691	$1,625,625	$-13,334
2023	$419,150	$502,123	$1,450,751	$-82,973
2022	$801,106	$465,049	$1,516,044	$336,057
2021	$504,017	$384,970	$1,308,491	$119,047
2020	$401,351	$393,893	$1,082,270	$7,458
2019	$403,463	$406,290	$1,018,051	$-2,827
2018	$383,183	$373,066	$954,559	$10,117

SAVE THE RIVER INC