White River Valley Electric Trust INC (EIN 431629456) - 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

1992

Legal Domicile

Principal Officer

Chris Harmon CEO

Phone

4173359335

Tax Period

2025-01-01 to 2025-12-31

White River Valley Electric Trust INC, founded in 1992, is a small nonprofit in the Human Services sector that reported $287K in total revenue in fiscal year 2025. Revenue decreased 5% compared to the prior year. Expenses of $273K left a modest 5% surplus.

Mission

TO PROVIDE FINANCIAL ASSISTANCE TO THE NEEDY.

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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 $276,564

Program Service Revenue $0

Investment Income $10,815

Other Revenue $0

TOTAL REVENUE $287,379

Expense Breakdown

Grants Paid $205,750

Salaries & Benefits $13,745

Fundraising Expenses $0

Program Expenses $205,750

Other Expenses $53,997

TOTAL EXPENSES $273,492

Year-over-Year Comparison

	2025	2024	Change
Revenue	$287,379	$303,942	-0.1%
Expenses	$273,492	$299,581	-0.1%
Net Income	$13,887	$4,361	+2.2%

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

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

$5,975

Total Directors

$13,745

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jana S Hesterlee	Secretary	2.00	Officer Director	$1,928	$0	$1,928
Jo Stehle	Director	2.00	Director	$1,754	$0	$1,754
Cynthia Glenn	Vice President	2.00	Officer Director	$1,718	$0	$1,718
Eddie Goins	Director	2.00	Director	$1,679	$0	$1,679
Jerry Jenkins	Director	2.00	Director	$1,578	$0	$1,578
Rhonda J Suter	Director	2.00	Director	$1,538	$0	$1,538
Anne Coleman	Treasurer	2.00	Officer Director	$1,189	$0	$1,189
Chip Arnette	President	2.00	Officer Director	$1,140	$0	$1,140
Steve Holland	Director	2.00	Director	$886	$0	$886
Jeff Mingus	Director	2.00	Director	$335	$0	$335

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	$287,379	$273,492	$407,771	$13,887
2024	No data	No data	No data	No data
2023	$432,297	$341,842	$389,522	$90,455
2022	$296,468	$319,056	$299,067	$-22,588
2021	$284,528	$461,049	$321,655	$-176,521
2020	$286,528	$321,523	$498,176	$-34,995
2019	$240,112	$207,658	$533,171	$32,454
2018	$243,553	$186,507	$500,717	$57,046

White River Valley Electric Trust INC