FIVE RIVERS LOAN FUND INC (EIN 202091947) - 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

2004

Legal Domicile

Tax Period

2023-10-01 to 2024-09-30

FIVE RIVERS LOAN FUND INC, founded in 2004, is a small nonprofit in the Housing & Shelter sector that reported $103K in total revenue in fiscal year 2023. Revenue fell 42% from the prior year — a significant decline worth monitoring. Expenses of $182K exceeded revenue, resulting in a 76% operating deficit.

Mission

PROVIDING SUPPORT THROUGH LOANS THAT EMPOWER OUR UNDERSERVED PUBLIC.

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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 (2023)

Revenue Breakdown

Contributions & Grants $20,000

Program Service Revenue $6,977

Investment Income $76,377

Other Revenue $0

TOTAL REVENUE $103,354

Expense Breakdown

Grants Paid $0

Salaries & Benefits $101,903

Fundraising Expenses $0

Program Expenses $109,392

Other Expenses $79,873

TOTAL EXPENSES $181,776

Year-over-Year Comparison

	2023	2022	Change
Revenue	$103,354	$179,659	-0.4%
Expenses	$181,776	$139,159	+0.3%
Net Income	$-78,422	$40,500	-2.9%

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

$64,242

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERESA BOARDMAN	EXECUTIVE DIRECTOR	40.00	Officer	$64,242	$0	$64,242
DORCAS HARRISON	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
REX HARRISON	MEMBER	1.00	Director	$0	$0	$0
JOHN DAVIS	MEMBER	1.00	Director	$0	$0	$0
GARY BURNETT	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
DARLA MEADOR	TREASURER	0.00	Officer Director	$0	$0	$0
TANYA BUSBY	SECRETARY	1.00	Officer Director	$0	$0	$0
NATHAN TIRATERRA	CHAIRPERSON	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
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

FIVE RIVERS LOAN FUND INC