TWIN RIVERS OPPORTUNITIES INC (EIN 560928836) - 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

1966

Legal Domicile

Principal Officer

CYNTHIA DIXON

Phone

2526373599

Tax Period

2022-10-01 to 2023-09-30

TWIN RIVERS OPPORTUNITIES INC, founded in 1966, is a community nonprofit that reported $7.3M in total revenue in fiscal year 2022. Revenue surged 25% from the prior year, signaling strong growth momentum. Expenses of $7.1M left a modest 3% surplus.

Mission

PROVIDE HOUSING FOR LOW-INCOME POPULATIONS.

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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 (2022)

Revenue Breakdown

Contributions & Grants $7,317,679

Program Service Revenue $0

Investment Income $2,608

Other Revenue $22,472

TOTAL REVENUE $7,342,759

Expense Breakdown

Grants Paid $0

Salaries & Benefits $562,166

Fundraising Expenses $0

Program Expenses $7,093,821

Other Expenses $6,531,655

TOTAL EXPENSES $7,093,821

Year-over-Year Comparison

	2022	2021	Change
Revenue	$7,342,759	$5,873,122	+0.3%
Expenses	$7,093,821	$6,055,794	+0.2%
Net Income	$248,938	$-182,672	-2.4%

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

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

$127,157

Total Directors

$127,157

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNTHIA DIXON	EXECUTIVE DI	35.00	Officer Director	$119,959	$7,198	$127,157
TERESA BROWN	BOARD MEMBER	1.00	Director	$0	$0	$0
DENISE GODETTE	TREASURER	1.00	Director	$0	$0	$0
NORMA SERMON-BOYD	SECRETARY	1.00	Director	$0	$0	$0
MARSHALL WILLIAMS	VICE-CHAIRMA	1.00	Director	$0	$0	$0
GERALD WINGATE	CHAIRMAN	1.00	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
2024	No data	No data	No data	No data
2023	$7,342,759	$7,093,821	$1,407,795	$248,938
2022	$5,873,122	$6,055,794	$1,111,953	$-182,672
2021	$5,926,662	$5,832,608	$1,284,997	$94,054
2020	$5,681,575	$5,697,762	$1,348,099	$-16,187
2020	$5,762,106	$5,622,935	$1,348,099	$139,171
2019	$5,361,006	$4,916,095	$1,077,985	$444,911
2018	$4,897,291	$4,953,923	$648,007	$-56,632

TWIN RIVERS OPPORTUNITIES INC