RIVER REGION APARTMENT ASSOCIATION (EIN 630796523) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1972

Legal Domicile

Principal Officer

CHRISTINE KESSLER

Phone

3344501455

Tax Period

2025-01-01 to 2025-12-31

RIVER REGION APARTMENT ASSOCIATION, founded in 1972, is a small nonprofit that reported $205K in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $183K left a modest 10% surplus.

Mission

TO SERVE AS THE VOICE OF THE MULTIFAMILY INDUSTRY PROVIDING EDUCATION, LEADERSHIP, AND PROTECTION FOR APARTMENT COMMUNITIES, OWNERS, AND VENDORS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $72,923

Program Service Revenue $195,225

Investment Income $511

Other Revenue $-41,441

TOTAL REVENUE $227,218

Expense Breakdown

Grants Paid $0

Salaries & Benefits $57,310

Fundraising Expenses $0

Other Expenses $86,920

TOTAL EXPENSES $144,230

Year-over-Year Comparison

	2025	2024	Change
Revenue	$227,218	$204,635	+0.1%
Expenses	$144,230	$183,166	-0.2%
Net Income	$82,988	$21,469	+2.9%

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

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
CHRISTINE KESSLER	PRESIDENT	2.00	Officer Director	$0	$0	$0
ELTON WALKER	PRESIDENT ELECT	2.00	Officer Director	$0	$0	$0
BRANDY HITSON	TREASURER	2.00	Officer Director	$0	$0	$0
APRIL HADDEN	SECRETARY	2.00	Officer Director	$0	$0	$0
BEAU DANIEL	PARLIAMENTARIAN	2.00	Officer Director	$0	$0	$0
SHERRI YOUNG	PAST PRESIDENT	2.00	Officer Director	$0	$0	$0
ANGIE INGRAM	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN KISER	DIRECTOR	1.00	Director	$0	$0	$0
KIMBERLY BULLOCK	DIRECTOR	1.00	Director	$0	$0	$0
MATT SMITH	DIRECTOR	1.00	Director	$0	$0	$0
LESLEY WILSON	DIRECTOR	1.00	Director	$0	$0	$0
MARGIE WELLS	DIRECTOR	1.00	Director	$0	$0	$0
ROCHELLE CRAWFORD	DIRECTOR	1.00	Director	$0	$0	$0
KIM STINSON	DIRECTOR	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
2025	$227,218	$144,230	$371,665	$82,988
2024	$204,635	$183,166	$288,677	$21,469

RIVER REGION APARTMENT ASSOCIATION