MISSISSIPPI RIVER 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

2002

Legal Domicile

Principal Officer

JAMES L CUMMINS

Phone

6626863375

Tax Period

2024-01-01 to 2024-12-31

MISSISSIPPI RIVER TRUST, founded in 2002, is a community nonprofit in the Environment sector that reported $3.2M in total revenue in fiscal year 2024. Revenue fell 83% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $498K, a strong 15% operating margin.

Mission

PRESERVATION OF THE MISSISSIPPI RIVER PRAIRIES, BOTTOMLANDS, BAYOUS, COASTAL SAVANNAHS, LONG LEAF PINE FORESTS, AND SCENIC RIVERS AND STREAMS

Program Service Accomplishments

Program 1

Expenses: $1,904,786

HYDROLOGY RESTORATION AND TREE PLANTING

Program 2

Expenses: $760,245 Revenue: $683,862

CONTRACTUAL SERVICES

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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 $2,535,875

Program Service Revenue $173,982

Investment Income $509,880

Other Revenue $0

TOTAL REVENUE $3,219,737

Expense Breakdown

Grants Paid $0

Salaries & Benefits $154,231

Fundraising Expenses $0

Program Expenses $2,665,031

Other Expenses $2,567,838

TOTAL EXPENSES $2,722,069

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,219,737	$19,436,534	-0.8%
Expenses	$2,722,069	$1,162,418	+1.3%
Net Income	$497,668	$18,274,116	-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

$214,565

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CLARKE REED	TRUSTEE	0.00	Director	$0	$0	$0
CHARLES PICKERING	TRUSTEE	0.00	Director	$0	$0	$0
GEORGE WALKER III	TRUSTEE	0.00	Director	$0	$0	$0
BILLY VAN DEVENDER	TRUSTEE	0.00	Director	$0	$0	$0
HOWARD BRENT	TRUSTEE	0.00	Director	$0	$0	$0
MARTHA DALRYMPLE	TRUSTEE	0.00	Director	$0	$0	$0
JIMMY BRYAN	TRUSTEE	0.00	Director	$0	$0	$0
RICHARD MCRAE	TRUSTEE	0.00	Director	$0	$0	$0
DAVID BRAMLETTE	TRUSTEE	0.00	Director	$0	$0	$0
MARSHA BARBOUR	TRUSTEE	0.00	Director	$0	$0	$0
RICK CALHOON	TRUSTEE	0.00	Director	$0	$0	$0
JIM CURRIE	TRUSTEE	0.00	Director	$0	$0	$0
ANGELA COKERHAM	TRUSTEE	0.00	Director	$0	$0	$0
JAMES L CUMMINS	EXECUTIVE DIRECTOR	1.00	Officer	$0	$0	$214,565
SANDY WILLIAMS JR	PRESIDENT	0.00	Officer	$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
2024	$3,219,737	$2,722,069	$62,447,981	$497,668
2023	$19,436,534	$1,162,418	$61,794,652	$18,274,116
2022	$1,280,571	$1,569,838	$43,537,808	$-289,267
2021	$5,164,697	$1,212,214	$43,792,138	$3,952,483
2020	$2,370,595	$2,117,610	$39,839,655	$252,985
2019	$6,234,782	$2,374,755	$39,586,670	$3,860,027
2018	$8,855,964	$1,683,871	$35,726,643	$7,172,093