RIO COLLECTIVE

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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

2012

Legal Domicile

Principal Officer

DANIEL COTTON

Phone

7325815450

Tax Period

2021-01-01 to 2021-12-31

RIO COLLECTIVE, founded in 2012, is a small nonprofit in the Religion sector that reported $183K in total revenue in fiscal year 2021. Revenue fell 23% from the prior year — a significant decline worth monitoring.

Mission

TO MAKE TRUE DISCIPLES AND INCREASE THE CAPACITY OF THE GLOBAL CHURCH OF JESUS CHRIST BY CULTIVATING RELATIONSHIPS WITH LOCAL PANAMANIANS, CONNECTING LIKE-MINDED GROUPS, AND CHANGING THE WORLDVIEW OF BOTH SIDES IN THE PROCESS. WE SEEK TO BRING VISION TO LIFE, BUILD THE CHURCH, AND UNLOCK DISCIPLESHIP.

Program Service Accomplishments

Program 1

Expenses: $130,805

AS PART OF OUR MISSION TO MAKE TRUE DISCIPLES AND INCREASE THE GLOBAL CHURCH, RIO MISSIONS LEADS TEAMS OF INDIVIDUALS TO MEET MATERIAL NEEDS OF THE LOCAL CHURCH THROUGH BUILDING PROJECTS...

AS PART OF OUR MISSION TO MAKE TRUE DISCIPLES AND INCREASE THE GLOBAL CHURCH, RIO MISSIONS LEADS TEAMS OF INDIVIDUALS TO MEET MATERIAL NEEDS OF THE LOCAL CHURCH THROUGH BUILDING PROJECTS PARTICIPATING IN SPORTS MINISTRY, AND CONTINUING TO SHARE THE GOSPEL WITH THE LOCAL COMMUNITY IN PANAMA.

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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 (2021)

Revenue Breakdown

Contributions & Grants $182,705

Program Service Revenue $0

Investment Income $0

Other Revenue $150

TOTAL REVENUE $182,855

Expense Breakdown

Grants Paid $0

Salaries & Benefits $104,180

Fundraising Expenses $27,542

Program Expenses $130,805

Other Expenses $82,681

TOTAL EXPENSES $186,861

Year-over-Year Comparison

	2021	2020	Change
Revenue	$182,855	$236,458	-0.2%
Expenses	$186,861	$234,108	-0.2%
Net Income	$-4,006	$2,350	-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

N/A

Volunteers

100

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

$104,180

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIEL COTTON	DIRECTOR	040.00	Director	$104,180	$0	$104,180
NATHAN RICHARDSON	DIRECTOR	000.25	Director	$0	$0	$0
JENNIFER JACK	DIRECTOR	000.25	Director	$0	$0	$0
JARRETT VAUCHER	DIRECTOR	000.25	Director	$0	$0	$0
DANIEL GUNN	PRESIDENT	000.25	Officer Director	$0	$0	$0
STEVE KLINE	VICE PRESIDENT	000.25	Officer Director	$0	$0	$0
LORI CREECH	TREASURER	000.25	Officer Director	$0	$0	$0
JESSICA COTTON	SECRETARY	020.00	Officer 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
2021	$182,855	$186,861	$73,136	$-4,006
2020	$236,458	$234,108	$100,221	$2,350