THREE RIVERS AREA COMMUNITY FOUNDATION (EIN 382051672) - 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

1974

Legal Domicile

Principal Officer

RON BUCKHOLD

Phone

2692731632

Tax Period

2024-01-01 to 2024-12-31

THREE RIVERS AREA COMMUNITY FOUNDATION, founded in 1974, is a small nonprofit that reported $567K in total revenue in fiscal year 2024. Revenue surged 102% from the prior year, signaling strong growth momentum. The organization ran a surplus of $328K, a strong 58% operating margin.

Mission

THE FOUNDATION'S PURPOSE IS TO RECEIVE AND ACCEPT CONTRIBUTIONS TO BE ADMINISTERED EXCLUSIVELY FOR CHARITABLE PURPOSES, PRIMARILY IN AND FOR THE BENEFIT OF RESIDENTS OF ST. JOSEPH COUNTY AND THE SOUTHWEST MICHIGAN AREA.

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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 $52,798

Program Service Revenue $55,831

Investment Income $458,369

Other Revenue $0

TOTAL REVENUE $566,998

Expense Breakdown

Grants Paid $101,212

Salaries & Benefits $25,000

Fundraising Expenses $0

Program Expenses $175,508

Other Expenses $112,971

TOTAL EXPENSES $239,183

Year-over-Year Comparison

	2024	2023	Change
Revenue	$566,998	$280,095	+1.0%
Expenses	$239,183	$216,726	+0.1%
Net Income	$327,815	$63,369	+4.2%

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

N/A

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

$25,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RON BUCKHOLD	PRESIDENT	1.00	Officer Director	$0	$0	$0
EMILY DANIELS	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
LARRY DAUGHERTY	TREASURER	0.50	Officer Director	$0	$0	$0
MATT NOWAK	SECRETARY	0.50	Officer Director	$0	$0	$0
KELSEY MCCLISH	DIRECTOR	0.50	Director	$0	$0	$0
ALISON ERTMAN	DIRECTOR	0.50	Director	$0	$0	$0
CHRISTY TRAMMELL	DIRECTOR	0.50	Director	$0	$0	$0
MELISSA BLISS	EXECUTIVE DIRECTOR	5.00	Officer	$25,000	$0	$25,000

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	$566,998	$239,183	No data	$327,815
2023	$375,227	$216,726	$5,031,919	$158,501
2022	$623,821	$435,122	$4,535,068	$188,699
2021	$577,984	$286,905	$5,262,526	$291,079
2020	$394,301	$333,247	$4,848,718	$61,054
2019	$367,471	$275,835	$4,775,586	$91,636
2018	$765,182	$425,886	$4,296,748	$339,296

THREE RIVERS AREA COMMUNITY FOUNDATION