RIVER RADIO MINISTRIES

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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

1967

Legal Domicile

Principal Officer

SCOTT THOMSON

Phone

6142895702

Tax Period

2023-01-01 to 2023-12-31

RIVER RADIO MINISTRIES, founded in 1967, is a community nonprofit that reported $3.9M in total revenue in fiscal year 2023.

Mission

TO SHOW PEOPLE WHO JESUS REALLY IS

Program Service Accomplishments

Program 1

Expenses: $2,777,246

RADIO BROADCASTING OF UPLIFTING AND ENCOURAGING MUSIC REACHING APPROXIMATELY 155,000 LISTENERS EACH WEEK IN MARKETS TOTALING 1.7 MILLION IN TERMS OF TOTAL POPULATION.

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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 $1,811,927

Program Service Revenue $0

Investment Income $82,669

Other Revenue $2,016,131

TOTAL REVENUE $3,910,727

Expense Breakdown

Grants Paid $16,619

Salaries & Benefits $2,504,812

Fundraising Expenses $537,018

Program Expenses $2,777,246

Other Expenses $1,336,849

TOTAL EXPENSES $3,990,806

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,910,727	$3,823,886	+0.0%
Expenses	$3,990,806	$4,124,256	0.0%
Net Income	$-80,079	$-300,370	-0.7%

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

$364,268

Total Directors

$183,226

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL MONTGOMERY	PRESIDENT/CEO	40.00	Officer Director	$165,000	$18,226	$183,226
SCOTT THOMSON	CFO	40.00	Officer	$162,816	$18,226	$181,042
DAVE STEPHENS	CHIEF OPERATING OFFICE	40.00	Highest	$102,000	$18,226	$120,226
JOSHUA HOOPER	PROGRAM DIRECTOR	40.00	Highest	$119,651	$55	$119,706
GENE BAILEY	BOARD MEMBER	1.00	Director	$0	$0	$0
JANEY CAHILL	BOARD MEMBER	1.00	Director	$0	$0	$0
RICHARD COTTRILL	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN DEHMER	BOARD MEMBER	1.00	Director	$0	$0	$0
ROY HALL	CHAIR	1.00	Officer Director	$0	$0	$0
JIM LIGHTENHEIMER	BOARD MEMBER	1.00	Director	$0	$0	$0
STEVE PHILLIPS	BOARD MEMBER	1.00	Director	$0	$0	$0
DOUG VANCE	BOARD MEMBER	1.00	Director	$0	$0	$0
DR MARIA VAN HUFFEL	BOARD MEMBER	1.00	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	$3,910,727	$3,990,806	$6,547,164	$-80,079
2022	$3,823,886	$4,124,256	$6,644,025	$-300,370
2021	$4,393,639	$3,914,945	$6,630,255	$478,694
2020	$3,639,458	$3,606,975	$6,083,912	$32,483
2019	$3,847,744	$3,861,664	$6,043,401	$-13,920
2018	$3,837,649	$3,800,110	$5,891,859	$37,539