Two Rivers Main Street Inc (EIN 391884042) - 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

1997

Legal Domicile

Tax Period

2022-01-01 to 2022-12-31

Two Rivers Main Street Inc, founded in 1997, is a small nonprofit in the Community Improvement sector that reported $119K in total revenue in fiscal year 2022. Revenue surged 43% from the prior year, signaling strong growth momentum. The organization ran a surplus of $21K, a strong 17% operating margin.

Mission

The mission of the Two Rivers Main Street program is to improve the communitys quality of life by strengthening the downtown as the center of the community.

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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 (2022)

Revenue Breakdown

Contributions & Grants $5,000

Program Service Revenue $64,280

Investment Income $0

Other Revenue $49,862

TOTAL REVENUE $119,142

Expense Breakdown

Grants Paid $6,000

Salaries & Benefits $66,269

Fundraising Expenses $0

Program Expenses $52,063

Other Expenses $26,362

TOTAL EXPENSES $98,631

Year-over-Year Comparison

	2022	2021	Change
Revenue	$119,142	$83,146	+0.4%
Expenses	$98,631	$95,102	+0.0%
Net Income	$20,511	$-11,956	-2.7%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Nathan Kronforst	Director	1.00	Director	$0	$0	$0
Curt Andrews	Director	1.00	Director	$0	$0	$0
Lee Hansen	Director	1.00	Director	$0	$0	$0
Steve Kanter	Director	1.00	Director	$0	$0	$0
Nancy Nabak	Director	1.00	Director	$0	$0	$0
Darla LeClair	Director City Council	1.00	Director	$0	$0	$0
Greg Buckley	Director City Mgr	1.00	Director	$0	$0	$0
Travis Stevens	Vice President	1.00	Officer Director	$0	$0	$0
Gina Krahn	President	2.00	Officer Director	$0	$0	$0
Jeff Sachse	Treasurer	2.00	Officer Director	$0	$0	$0
Emilee Rysticken	Secretary	2.00	Officer Director	$0	$0	$0
Jason Ring	Executive Dirtector	40.00	Key Emp	$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
2022	$119,142	$98,631	$22,105	$20,511
2021	$83,146	$95,102	$-760	$-11,956
2020	$83,247	$85,883	$11,199	$-2,636
2019	$112,121	$115,340	$13,817	$-3,219
2018	$78,128	$74,216	$17,018	$3,912

Two Rivers Main Street Inc