THE RIVER VALLEY REGIONAL YMCA (EIN 240795698) - 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

1866

Legal Domicile

Principal Officer

CHAD EBERHART

Phone

5703237134

Tax Period

2024-01-01 to 2024-12-31

THE RIVER VALLEY REGIONAL YMCA, founded in 1866, is a community nonprofit in the Human Services sector that reported $9.8M in total revenue in fiscal year 2024. Expenses of $9.0M left a modest 8% surplus.

Mission

PUT CHRISTIAN PRINCIPLES INTO PRACTICE THROUGH PROGRAMS THAT BUILD A HEALTHY SPIRIT, MIND & BODY.

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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 $2,019,287

Program Service Revenue $7,089,888

Investment Income $353,313

Other Revenue $343,825

TOTAL REVENUE $9,806,313

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,788,877

Fundraising Expenses $54,147

Program Expenses $7,601,616

Other Expenses $3,247,726

TOTAL EXPENSES $9,036,603

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,806,313	$9,525,114	+0.0%
Expenses	$9,036,603	$9,440,037	0.0%
Net Income	$769,710	$85,077	+8.0%

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

673

Volunteers

262

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

$264,405

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ED METZGER	CHAIR	2.00	Officer Director	$0	$0	$0
PATTI JACKSON	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JOE REIGHARD	2ND VICE CHAIR	1.00	Officer Director	$0	$0	$0
DEE BROWN	SECRETARY	2.00	Officer Director	$0	$0	$0
JOHN BAKER	TREASURER	2.00	Officer Director	$0	$0	$0
KATHLEEN CAMPBELL	DIRECTOR	1.00	Director	$0	$0	$0
JR CONFER	DIRECTOR	1.00	Director	$0	$0	$0
COLLEEN CROWLEY	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH DUNLEAVY	DIRECTOR	1.00	Director	$0	$0	$0
ASHLEY FEDEROFF	DIRECTOR	1.00	Director	$0	$0	$0
GREG GALANTE	DIRECTOR	1.00	Director	$0	$0	$0
MELINDA GOURLIE	DIRECTOR	1.00	Director	$0	$0	$0
RON CIMINI	DIRECTOR	1.00	Director	$0	$0	$0
BROOKS LUZIER	DIRECTOR	1.00	Director	$0	$0	$0
JASON MADIGAN	DIRECTOR	1.00	Director	$0	$0	$0
ANDREE PHILLIPS	DIRECTOR	1.00	Director	$0	$0	$0
JASON FINK	DIRECTOR	1.00	Director	$0	$0	$0
SUE STACKHOUSE	DIRECTOR	1.00	Director	$0	$0	$0
JB SULLIVAN	DIRECTOR	1.00	Director	$0	$0	$0
SHERRY WATTS	DIRECTOR	1.00	Director	$0	$0	$0
CHAD EBERHART	CEO	50.00	Officer	$136,112	$24,728	$160,840
AMY HOLZ	CFO	50.00	Officer	$95,892	$7,673	$103,565

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	$9,806,313	$9,036,603	$26,863,148	$769,710
2023	$9,525,114	$9,440,037	$25,855,076	$85,077
2022	$9,374,597	$8,735,158	$25,588,505	$639,439
2021	$11,288,628	$7,872,554	$21,928,697	$3,416,074
2020	$8,680,071	$7,438,298	$18,818,304	$1,241,773
2019	$7,519,712	$7,310,802	$17,701,762	$208,910
2018	$6,354,337	$6,488,847	$16,405,645	$-134,510

THE RIVER VALLEY REGIONAL YMCA