LIVING RIVER A RETREAT ON THE CAHABA INC (EIN 261568218) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2007

Legal Domicile

Principal Officer

TOM BRYSON

Phone

2052080035

Tax Period

2023-01-01 to 2023-12-31

LIVING RIVER A RETREAT ON THE CAHABA INC, founded in 2007, is a community nonprofit in the Religion sector that reported $1.4M in total revenue in fiscal year 2018. Revenue surged 289% from the prior year, signaling strong growth momentum. The organization ran a surplus of $377K, a strong 27% operating margin.

Mission

TO ASSIST THE PRESBYTERY OF SHEPPARDS AND LAPSLEY IN ACCOMPLISHING THE PURPOSES FOR WHICH IT WAS FORMED AND TO ACQUIRE, CONSTRUCT, EQUIP AND OPERATE A CAMP AND CONFERENCE CENTER FOR THE SAID PRESBYTERY, ALONG THE CAHABA RIVER IN SHELBY AND BIBB COUNTIES, ALABAMA.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $305,387

Program Service Revenue $91,589

Investment Income $65,808

Other Revenue $33,879

TOTAL REVENUE $496,663

Expense Breakdown

Grants Paid $0

Salaries & Benefits $195,959

Fundraising Expenses $0

Program Expenses $577,666

Other Expenses $455,198

TOTAL EXPENSES $651,157

Year-over-Year Comparison

	2023	2022	Change
Revenue	$496,663	$552,239	-0.1%
Expenses	$651,157	$599,080	+0.1%
Net Income	$-154,494	$-46,841	+2.3%

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

Total Directors

$53,560

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNY THAGARD	EXECUTIVE DI	40.00	Director	$53,560	$0	$53,560
TOM BRYSON	PRESIDENT	4.00	Officer Director	$0	$0	$0
BRIAN MASSENGALE	SECRETARY	4.00	Officer Director	$0	$0	$0
JONATHAN BENOIT	BOARD VP/VIC	4.00	Officer Director	$0	$0	$0
ALLISON MOORE	TREASURER	4.00	Officer Director	$0	$0	$0
KENT HOWARD	TRUSTEE	2.00	Director	$0	$0	$0
JANET ORT	TRUSTEE	2.00	Director	$0	$0	$0
PAUL DIMICK	TRUSTEE	2.00	Director	$0	$0	$0
SHIRLEY FINLEY	TRUSTEE	2.00	Officer Director	$0	$0	$0
KIMBLE FORRISTER	TRUSTEE	2.00	Director	$0	$0	$0
REVSAM HAMILTON-POORE	TRUSTEE	2.00	Director	$0	$0	$0
MIKE HENDERSON	TRUSTEE	2.00	Director	$0	$0	$0
DEBRA LOVE	TRUSTEE	2.00	Director	$0	$0	$0
JD POWELL	TRUSTEE	2.00	Director	$0	$0	$0
PATRICK RILEY	TRUSTEE	2.00	Director	$0	$0	$0
FRANK SUTHERLAND	TRUSTEE	2.00	Director	$0	$0	$0
SUE WESTFALL	TRUSTEE	2.00	Director	$0	$0	$0
BENGA HARRISON	TRUSTEE	2.00	Director	$0	$0	$0
APRIL HARRELL	TRUSTEE	2.00	Director	$0	$0	$0
LILI KANE	TRUSTEE	2.00	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
2024	No data	No data	No data	No data
2023	$496,663	$651,157	$7,355,143	$-154,494
2022	$552,239	$599,080	$7,533,410	$-46,841
2021	$529,328	$555,008	$7,899,814	$-25,680
2020	$743,808	$959,886	$7,925,834	$-216,078
2019	$421,874	$745,166	$8,159,202	$-323,292
2018	$1,384,347	$1,007,523	$8,834,433	$376,824

LIVING RIVER A RETREAT ON THE CAHABA INC