RIVERFUND INC (EIN 593212877) - 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

1993

Legal Domicile

Principal Officer

BELINDA CANTERBURY-COUNTS

Phone

7725895076

Tax Period

2024-04-01 to 2025-03-31

RIVERFUND INC, founded in 1993, is a micro nonprofit in the Crime & Legal sector that reported $77K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $14K, a strong 18% operating margin.

Mission

RIVERFUND, INC. PROVIDES PHYSICAL, EMOTIONAL, AND SPIRITUAL SUPPORT TO PEOPLE LIVING WITH OR AFFECTED BY HIV AND AIDS AND OTHER LIFE THREATENING ILLNESSES, TO THEIR LOVED ONES AND CAREGIVERS INCLUDING VISITS WITH THE ELDER POOR. WE SERVE THE POOR, THOSE WHO ARE OFTEN ARE ALONE AND IN NEED - REGARDLESS OF A PERSON'S RELIGION, RACE, ETHNICITY, SEXUAL ORIENTATION, OR GENDER. IN THE ONGOING FIGHT AGAINST AIDS, THE RIVERFUND IS A STRONG ADVOCATE FOR HIV/AIDS EDUCATION, AWARENESS, AND PREVENTION.

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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 $77,186

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $77,186

Expense Breakdown

Grants Paid $21,255

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $57,842

Other Expenses $42,079

TOTAL EXPENSES $63,334

Year-over-Year Comparison

	2024	2023	Change
Revenue	$77,186	$70,281	+0.1%
Expenses	$63,334	$54,983	+0.2%
Net Income	$13,852	$15,298	-0.1%

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

N/A

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
ARLEEN ABLEMAN	SECRETARY	N/A	Officer Director	$0	$0	$0
SUZANNE BAIRD	DIRECTOR	N/A	Director	$0	$0	$0
BELINDA CANTERBURY-COUNTS	EXEC DIRECTO	N/A	Officer Director	$0	$0	$0
MARGARET GERGEN	DIRECTOR	N/A	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	$77,186	$63,334	$91,480	$13,852
2024	$70,281	$54,983	$77,628	$15,298
2023	$56,334	$63,083	$62,330	$-6,749
2022	$82,440	$84,237	$69,079	$-1,797
2021	$65,854	$55,029	$70,876	$10,825

RIVERFUND INC