RISE BEYOND THE REEF (EIN 462759603) - 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

2013

Legal Domicile

Principal Officer

Janet Lotawa

Phone

2064911977

Tax Period

2025-01-01 to 2025-12-31

RISE BEYOND THE REEF, founded in 2013, is a small nonprofit in the International Affairs sector that reported $306K in total revenue in fiscal year 2025. Revenue fell 26% from the prior year — a significant decline worth monitoring.

Mission

RISE BEYOND THE REEF BRIDGES THE DIVIDE BETWEEN REMOTE COMMUNITIES, GOVERNMENT AND PRIVATE SECTOR IN THE SOUTH PACIFIC, SUSTAINABILIY CREATING A BETTER WORLD FOR WOMEN AND CHILDREN.

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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 $118,809

Program Service Revenue $186,842

Investment Income $0

Other Revenue $0

TOTAL REVENUE $305,651

Expense Breakdown

Grants Paid $0

Salaries & Benefits $71,484

Fundraising Expenses $0

Program Expenses $317,082

Other Expenses $245,598

TOTAL EXPENSES $317,082

Year-over-Year Comparison

	2025	2024	Change
Revenue	$305,651	$414,355	-0.3%
Expenses	$317,082	$437,157	-0.3%
Net Income	$-11,431	$-22,802	-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

N/A

Independent Members

N/A

Employees

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

$52,313

Total Directors

$52,313

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JANET LOTAWA	FOUNDER EXEC DIRECTOR	40.0	Officer Director	$52,313	$0	$52,313
SEMI LOTAWA	DIRECTOR OPERATION	40.0	Officer Director	$0	$0	$0
RENEE HOLT	BOARD CHAIR	0.8	Officer Director	$0	$0	$0
TERRY BETH SIMMS	VICE CHAIR SECRETARY	0.8	Officer Director	$0	$0	$0
AMIE BISHOP	BOARD MEMBER	0.8	Director	$0	$0	$0
ROSI TAVIQIA	BOARD MEMBER	0.8	Director	$0	$0	$0
BOB MAZELOW	BOARD MEMBER	0.8	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	$305,651	$317,082	$15,830	$-11,431
2024	$414,355	$437,157	$14,540	$-22,802
2023	$418,871	$385,170	$37,342	$33,701
2022	$433,753	$425,690	$3,641	$8,063
2021	$372,506	$388,464	$-4,422	$-15,958

RISE BEYOND THE REEF