THREE RIVERS CDE INC (EIN 452527487) - 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

2011

Legal Domicile

Principal Officer

VERNON KELLEY III

Phone

6624892415

Tax Period

2024-07-01 to 2025-06-30

THREE RIVERS CDE INC, founded in 2011, is a small nonprofit in the Housing & Shelter sector that reported $310K in total revenue in fiscal year 2024. Revenue fell 46% from the prior year — a significant decline worth monitoring. Net assets of $1.5M represent 57 months of operating reserves.

Mission

TO SERVE, OR PROVIDE INVESTMENT CAPITAL FOR, LOW-INCOME COMMUNITIES OR LOW-INCOME PERSONS.

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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 $0

Program Service Revenue $0

Investment Income $0

Other Revenue $309,980

TOTAL REVENUE $309,980

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $307,234

TOTAL EXPENSES $307,234

Year-over-Year Comparison

	2024	2023	Change
Revenue	$309,980	$570,564	-0.5%
Expenses	$307,234	$772,796	-0.6%
Net Income	$2,746	$-202,232	-1.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
J R DENTON	CALHOUN COUNTY DIRECTOR	Director	$0	$0	$0
ANDERSON MCFARLAND	CHICKASAW COUNTY DIRECTOR	Director	$0	$0	$0
ERIC HUGHES	ITAWAMBA COUNTY DIRECTOR	Director	$0	$0	$0
MIKE ROBERTS	LAFAYETTE COUNTY DIRECTOR	Director	$0	$0	$0
CLEAVON SMITH	LEE COUNTY DIRECTOR	Director	$0	$0	$0
BILLY KIRKPATRICK	MONROE COUNTY DIRECTOR	Director	$0	$0	$0
ERNIE WRIGHT	PONTOTOC COUNTY DIRECTOR	Director	$0	$0	$0
DANNY JORDAN	UNION COUNTY DIRECTOR	Director	$0	$0	$0
LARRY COGGIN	FINANCIAL/BANKING DIRECTOR	Director	$0	$0	$0
MIKE STATEN	FINANCIAL/BANKING DIRECTOR	Director	$0	$0	$0
SHANE CLAYTON	FINANCIAL/BANKING DIRECTOR	Director	$0	$0	$0
JOHN GASTON	FINANCIAL/BANKING DIRECTOR	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	$309,980	$307,234	$1,469,734	$2,746
2024	$570,564	$772,796	$1,466,988	$-202,232
2023	$802,904	$563,969	$1,684,620	$238,935
2022	$512,770	$503,880	$1,430,285	$8,890
2021	$782,519	$600,975	$1,580,181	$181,544
2020	$1,465,800	$826,974	$1,239,851	$638,826
2019	$247,515	$257,763	$601,025	$-10,248

THREE RIVERS CDE INC