Alabama Rivers Alliance Inc (EIN 631186023) - 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

1997

Legal Domicile

Principal Officer

Cindy Lowry

Phone

2053226395

Tax Period

2023-01-01 to 2023-12-31

Alabama Rivers Alliance Inc, founded in 1997, is a small nonprofit in the Environment sector that reported $314K in total revenue in fiscal year 2018. Revenue decreased 17% compared to the prior year. Expenses of $392K exceeded revenue, resulting in a 25% operating deficit.

Mission

Promote the conservation of Alabama rivers and watersheds.

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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 (2023)

Revenue Breakdown

Contributions & Grants $528,437

Program Service Revenue $0

Investment Income $4,428

Other Revenue $-11,580

TOTAL REVENUE $521,285

Expense Breakdown

Grants Paid $250

Salaries & Benefits $333,175

Fundraising Expenses $64,308

Program Expenses $430,920

Other Expenses $212,663

TOTAL EXPENSES $546,088

Year-over-Year Comparison

	2023	2022	Change
Revenue	$521,285	$523,350	0.0%
Expenses	$546,088	$467,899	+0.2%
Net Income	$-24,803	$55,451	-1.4%

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

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

$68,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Barbara Burke	Director	2.00	Director	$0	$0	$0
Cameron Handyside	Director	2.00	Director	$0	$0	$0
Kelsey Herndon	Director	2.00	Director	$0	$0	$0
Dawn Lee	Director	2.00	Director	$0	$0	$0
Maggie Johnston	Director	2.00	Director	$0	$0	$0
Tony Diliberto	Director	2.00	Director	$0	$0	$0
Vickey Wheeler	Director	2.00	Director	$0	$0	$0
Julie Lay	Secretary	2.00	Officer Director	$0	$0	$0
Sam Stokes	Treasurer	2.00	Officer Director	$0	$0	$0
Jonathan McNair	Vice-President	2.00	Officer Director	$0	$0	$0
Cory Pettway	President	2.00	Officer Director	$0	$0	$0
Cindy Lowry	Executive Director	40.00	Officer	$68,000	$0	$68,000

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	$521,285	$546,088	$294,349	$-24,803
2022	$523,350	$467,899	$285,027	$55,451
2021	$449,295	$407,137	$258,182	$42,158
2020	$369,652	$346,492	$201,568	$23,160
2019	$249,607	$383,580	$165,462	$-133,973
2018	$313,501	$391,933	$273,352	$-78,432

Alabama Rivers Alliance Inc