Rivers of Life Inc (EIN 260277515) - 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

2007

Legal Domicile

Principal Officer

Joseph Nowlin

Phone

9187911019

Tax Period

2025-01-01 to 2025-12-31

Rivers of Life Inc, founded in 2007, is a small nonprofit in the Religion sector that reported $298K in total revenue in fiscal year 2025. Revenue surged 104% from the prior year, signaling strong growth momentum. Expenses of $279K left a modest 6% surplus.

Mission

Private education for 35 students, kindergarten through 12th grade

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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 (2025)

Revenue Breakdown

Contributions & Grants $116,458

Program Service Revenue $181,466

Investment Income $0

Other Revenue $0

TOTAL REVENUE $297,924

Expense Breakdown

Grants Paid $0

Salaries & Benefits $187,424

Fundraising Expenses $0

Program Expenses $261,557

Other Expenses $91,932

TOTAL EXPENSES $279,356

Year-over-Year Comparison

	2025	2024	Change
Revenue	$297,924	$146,127	+1.0%
Expenses	$279,356	$115,628	+1.4%
Net Income	$18,568	$30,499	-0.4%

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

N/A

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Joseph Nowlin	President	20.00	Officer	$0	$0	$0
Luke Nowlin	Vice President	0.00	Officer	$0	$0	$0
Brenda Nowlin	Secretary	4.00	Officer	$0	$0	$0
David Porter	Treasurer	6.00	Officer	$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	$297,924	$279,356	$27,951	$18,568

Rivers of Life Inc