FIVE RIVERS LOAN FUND INC

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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

2004

Legal Domicile

Phone

5308427050

Tax Period

2024-10-01 to 2025-09-30

FIVE RIVERS LOAN FUND INC, founded in 2004, is a small nonprofit in the Housing & Shelter sector that reported $516K in total revenue in fiscal year 2024. Revenue surged 399% from the prior year, signaling strong growth momentum. The organization ran a surplus of $281K, a strong 54% operating margin.

Mission

PROVIDING SUPPORT THROUGH LOANS THAT EMPOWER OUR UNDERSERVED PUBLIC.

Program Service Accomplishments

Program 1

Expenses: $140,551

TO PROVIDE UNDERPRIVILEGED INDIVIDUALS IN OUR AREA WITH LOANS TO FOSTER ECONOMIC HEALTH, SELF-SUFFICIENCY, AND QUALITY OF LIFE.

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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 $422,112

Program Service Revenue $11,355

Investment Income $81,133

Other Revenue $1,542

TOTAL REVENUE $516,142

Expense Breakdown

Grants Paid $0

Salaries & Benefits $148,048

Fundraising Expenses $0

Program Expenses $140,551

Other Expenses $87,226

TOTAL EXPENSES $235,274

Year-over-Year Comparison

	2024	2023	Change
Revenue	$516,142	$103,354	+4.0%
Expenses	$235,274	$181,776	+0.3%
Net Income	$280,868	$-78,422	-4.6%

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

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

$81,808

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERESA BOARDMAN	EXECUTIVE DIRECTOR	40.00	Key Emp	$81,808	$0	$81,808
GARY BURNETT	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
NATHAN TIRATERRA	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
TANYA BUSBY	SECRETARY	1.00	Officer Director	$0	$0	$0
JOHN DAVIS	MEMBER	1.00	Director	$0	$0	$0
REX HARRISON	MEMBER	1.00	Director	$0	$0	$0
DARLA MEADOR	TREASURER	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	$516,142	$235,274	$1,713,478	$280,868
2024	$103,354	$181,776	$1,431,024	$-78,422
2023	$179,659	$139,159	$1,408,531	$40,500
2022	$68,813	$142,220	$1,359,560	$-73,407
2021	$158,853	$198,487	$1,465,568	$-39,634
2020	$70,961	$103,245	$1,485,059	$-32,284
2019	$83,164	$118,113	$1,519,691	$-34,949
2018	$90,948	$110,542	$1,673,554	$-19,594