THREE RIVERS ELECTRIC COOPERATIVE (EIN 430552055) - 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

1939

Legal Domicile

Principal Officer

ROGER KLOEPPEL

Phone

5736449000

Tax Period

2025-01-01 to 2025-12-31

THREE RIVERS ELECTRIC COOPERATIVE, founded in 1939, is a mid-sized nonprofit that reported $56.6M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion.

Mission

DISTRIBUTION OF ELECTRICITY TO CONSUMERS

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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 $0

Program Service Revenue $56,411,679

Investment Income $133,023

Other Revenue $6,772

TOTAL REVENUE $56,551,474

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $51,082,847

TOTAL EXPENSES $56,551,474

Year-over-Year Comparison

	2025	2024	Change
Revenue	$56,551,474	$50,780,928	+0.1%
Expenses	$56,551,474	$50,780,928	+0.1%
Net Income	$0	$0	N/A

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

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

$446,022

Total Directors

$86,100

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREG GAFFKE	PRESIDENT	7.00	Officer Director	$8,700	$0	$8,700
LINDA FAHRENHOLTZ	VICE-PRESIDENT	7.00	Officer Director	$10,600	$0	$10,600
ALAN MCNEELY	SECRETARY/TREASURER	7.00	Officer Director	$10,000	$0	$10,000
KURT BAKER	DIRECTOR	7.00	Director	$6,900	$0	$6,900
STEPHEN GUMPER	DIRECTOR	7.00	Director	$8,800	$0	$8,800
TOM LOEHNER	DIRECTOR	7.00	Director	$6,700	$0	$6,700
DUANE PAULSMEYER	DIRECTOR	7.00	Director	$10,800	$0	$10,800
GENE RADEMACHER	DIRECTOR	7.00	Director	$12,400	$0	$12,400
MIKE WYSS	DIRECTOR	7.00	Director	$11,200	$0	$11,200
ROGER KLOEPPEL	CEO/GENERAL MANAGER	45.00	Officer	$220,749	$195,973	$416,722
THAYNE BARTON	ASSISTANT MANAGER	45.00	Highest	$174,353	$71,365	$245,718
TIMOTHY HECKMAN	LEAD LINEMAN	51.00	Highest	$150,324	$35,596	$185,920
KEVIN ALLEN	VP OF OPERATIONS/ENGINEERING	45.00	Highest	$148,098	$64,461	$212,559
SCOTT STRUEMPH	MANAGER OF ACCOUNTING	45.00	Highest	$136,571	$95,319	$231,890
COREY KLEFFNER	LINEMAN	50.00	Highest	$135,519	$39,700	$175,219

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	$56,551,474	$56,551,474	$131,581,327	No data
2024	$50,780,928	$50,780,928	$125,885,098	No data
2023	$48,189,109	$48,189,109	$120,761,170	No data
2022	$47,009,896	$47,009,896	$116,632,044	No data
2021	$44,711,641	$44,711,641	$111,680,117	No data
2020	$43,576,389	$43,576,389	$108,709,513	No data

THREE RIVERS ELECTRIC COOPERATIVE