GREAT RIVERS COMMUNITY TRUST

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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

2001

Legal Domicile

Principal Officer

ANDY KAUFMAN

Phone

8127640097

Tax Period

2024-04-01 to 2025-03-31

GREAT RIVERS COMMUNITY TRUST, founded in 2001, is a community nonprofit in the Education sector that reported $6.0M in total revenue in fiscal year 2024. Revenue fell 37% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $2.7M, a strong 44% operating margin.

Mission

TO SUPPORT COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS (CDFIS) THROUGH THE CREATION AND ONGOING DEVELOPMENT OF A SECONDARY MARKET FOR CDFI SMALL BUSINESS LOANS. TO EXERCISE ANY, ALL AND EVERY LAWFUL POWER OF A NONPROFIT CORPORATION ORGANIZED UNDER MISSOURI LAW; PROVIDED, HOWEVER, THAT NOTHING HEREIN SHALL BE CONSTRUED TO GIVE THE CORPORATION ANY PURPOSE THAT IS NOT PERMITTED UNDER INTERNAL REVENUE CODE SECTION 501(C)(3).

Program Service Accomplishments

Program 1

Expenses: $3,200,689 Revenue: $1,024,822

GRCT PROVIDES TECHNICAL ASSISTANCE AND CAPITAL TO NONPROFIT CDFIS TO HELP THEM ORIGINATE MORE SMALL BUSINESS LOANS UNDER $50,000 IN SIZE TO BORROWERS WHO LACK ACCESS TO TRADITIONAL BANK LOANS...

GRCT PROVIDES TECHNICAL ASSISTANCE AND CAPITAL TO NONPROFIT CDFIS TO HELP THEM ORIGINATE MORE SMALL BUSINESS LOANS UNDER $50,000 IN SIZE TO BORROWERS WHO LACK ACCESS TO TRADITIONAL BANK LOANS, PARTICULARLY ENTREPRENEURS OF COLOR AND WOMEN ENTREPRENEURS IN LOW-TO-MODERATE INCOME CENSUS TRACTS AND WITH UNDER $1 MILLION OF GROSS ANNUAL REVENUE.

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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 $3,555,783

Program Service Revenue $1,024,822

Investment Income $1,442,988

Other Revenue $0

TOTAL REVENUE $6,023,593

Expense Breakdown

Grants Paid $684,192

Salaries & Benefits $0

Fundraising Expenses $40,004

Program Expenses $3,200,689

Other Expenses $2,671,258

TOTAL EXPENSES $3,355,450

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,023,593	$9,521,573	-0.4%
Expenses	$3,355,450	$4,634,135	-0.3%
Net Income	$2,668,143	$4,887,438	-0.5%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOYCE KLEIN	CHAIR	3.00	Officer Director	$0	$0	$0
ANDREA LEVERE	VICE CHAIR	3.00	Officer Director	$0	$0	$0
ROBERT VILLARREAL	TREASURER	3.00	Officer Director	$0	$0	$0
ALBERTO PARACCHINI	SECRETARY	2.00	Officer Director	$0	$0	$0
ANA HAMMOCK	BOARD MEMBER (FROM OCT '24)	2.00	Director	$0	$0	$0
ANDY KAUFMAN	BOARD MEMBER	2.00	Director	$0	$0	$0
JASON KELLER	BOARD MEMBER (FROM OCT '24)	2.00	Director	$0	$0	$0
AMBER KUCHAR-BELL	BOARD MEMBER	2.00	Director	$0	$0	$0
FRANCISCO LOPEZ	BOARD MEMBER (TO OCT '24)	2.00	Director	$0	$0	$0
SARA RAZAVI	BOARD MEMBER	2.00	Director	$0	$0	$0
BERNARD WORTHY	BOARD MEMBER	2.00	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
2025	$6,023,593	$3,355,450	$39,138,669	$2,668,143
2024	$9,521,573	$4,634,135	$37,516,587	$4,887,438
2023	$6,084,387	$4,361,757	$20,992,468	$1,722,630
2022	$4,795,455	$1,266,488	$10,310,847	$3,528,967
2021	$3,957,436	$440,485	$3,326,063	$3,516,951