FOUR RIVERS COMMUNITY BROADCASTING CORPO (EIN 232809815) - 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

1994

Legal Domicile

Principal Officer

CHARLES W LOUGHERY

Phone

2157212141

Tax Period

2024-07-01 to 2025-06-30

FOUR RIVERS COMMUNITY BROADCASTING CORPO, founded in 1994, is a community nonprofit in the Arts, Culture & Humanities sector that reported $2.2M in total revenue in fiscal year 2024. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $394K, a strong 18% operating margin.

Mission

NON-COMMERCIAL EDUCATIONAL RADIO BROADCASTING.

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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 $1,881,652

Program Service Revenue $180,567

Investment Income $113,064

Other Revenue $63,169

TOTAL REVENUE $2,238,452

Expense Breakdown

Grants Paid $0

Salaries & Benefits $915,258

Fundraising Expenses $206,167

Program Expenses $1,226,049

Other Expenses $929,133

TOTAL EXPENSES $1,844,391

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,238,452	$1,826,490	+0.2%
Expenses	$1,844,391	$1,860,494	0.0%
Net Income	$394,061	$-34,004	-12.6%

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

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

$687,406

Total Directors

$709,322

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID W BAKER	TRUSTEE/VICE PRESIDENT	40.00	Officer Director	$189,636	$45,175	$234,811
CHARLES W LOUGHERY	TRUSTEE/PRESIDENT	30.00	Officer Director	$137,688	$52,730	$190,418
BILLY DUNN	EXECUTIVE DIRECTOR	20.00	Officer Director	$133,100	$1,000	$134,100
LAWRENCE H LOUGHERY	SECRETARY	40.00	Officer Director	$63,282	$6,406	$69,688
NANCY LOUGHERY	TRUSTEE/TREASURER	35.00	Officer Director	$57,389	$1,000	$58,389
CHARLES C LOUGHERY	TRUSTEE	5.00	Director	$20,916	$1,000	$21,916
DENNIS GRAFTON	DIRECTOR	5.00	Director	$0	$0	$0
JANE KRUPP	DIRECTOR	5.00	Director	$0	$0	$0
AL RICHTER	DIRECTOR	5.00	Director	$0	$0	$0
DAN MARTENAK	DIRECTOR	5.00	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
2025	$2,238,452	$1,844,391	$7,290,226	$394,061
2024	$1,826,490	$1,860,494	$6,740,768	$-34,004
2023	$1,651,869	$1,734,662	$6,789,317	$-82,793
2022	$1,844,521	$1,755,395	$5,233,396	$89,126
2021	$2,273,822	$1,570,438	$5,912,282	$703,384
2020	$1,457,738	$1,483,668	$5,298,157	$-25,930
2019	$1,530,757	$1,446,317	$5,337,902	$84,440
2018	$1,649,733	$1,414,944	$5,516,437	$234,789

FOUR RIVERS COMMUNITY BROADCASTING CORPO