PEARL RIVER VALLEY OPPORTUNITY INC (EIN 640433756) - 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

1965

Legal Domicile

Principal Officer

THOMAS MORRIS

Phone

6017369564

Tax Period

2021-10-01 to 2022-09-30

PEARL RIVER VALLEY OPPORTUNITY INC, founded in 1965, is a mid-sized nonprofit in the Community Improvement sector that reported $18.5M in total revenue in fiscal year 2021. Revenue fell 26% from the prior year — a significant decline worth monitoring.

Mission

TO PROVIDE COMMUNITY SERVICES PROMOTING SELF-SUFFICIENCY FOR DISADVANTAGED INDIVIDUALS, FAMILIES, AND BUSINESSES BY ESTABLISHING PARTNERSHIPS IN MISSISSIPPI.

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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 (2021)

Revenue Breakdown

Contributions & Grants $16,457,740

Program Service Revenue $1,966,510

Investment Income $98,932

Other Revenue $0

TOTAL REVENUE $18,523,182

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,163,643

Fundraising Expenses $0

Program Expenses $19,448,444

Other Expenses $12,284,801

TOTAL EXPENSES $19,448,444

Year-over-Year Comparison

	2021	2020	Change
Revenue	$18,523,182	$25,197,406	-0.3%
Expenses	$19,448,444	$26,344,849	-0.3%
Net Income	$-925,262	$-1,147,443	-0.2%

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

458

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

$570,705

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
COREY PROCTOR	CHAIRMAN	1.00	Director	$0	$0	$0
KENNETH SMITH	VICE-CHAIRMAN	1.00	Director	$0	$0	$0
IVORY SHELBY	DIRECTOR	1.00	Director	$0	$0	$0
ARTHUR KEYS	DIRECTOR	1.00	Director	$0	$0	$0
CONRAD PRESTON	DIRECTOR	1.00	Director	$0	$0	$0
DEDRA JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
JOEY MARK	DIRECTOR	1.00	Director	$0	$0	$0
ODESSA C REED	DIRECTOR	1.00	Director	$0	$0	$0
REED HOUSTON	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD SELLERS	DIRECTOR	1.00	Director	$0	$0	$0
VINNER SCOTT	DIRECTOR	1.00	Director	$0	$0	$0
ESKELETHA DORSEY	DIRECTOR	1.00	Director	$0	$0	$0
VON NORWOOD	DIRECTOR	1.00	Director	$0	$0	$0
JAMES OATIS JR	BOARD SECRETARY	1.00	Director	$0	$0	$0
ANNA KEYS	DIRECTOR	1.00	Director	$0	$0	$0
CLARENCE MAGEE	DIRECTOR	1.00	Director	$0	$0	$0
VALERIE WEBBER	DIRECTOR	1.00	Director	$0	$0	$0
WANDA LAWRENCE	DIRECTOR	1.00	Director	$0	$0	$0
FRED MCCANN	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN STUBBS	DIRECTOR	1.00	Director	$0	$0	$0
FREDERICK HILLIARD	DIRECTOR	1.00	Director	$0	$0	$0
PAULINE FAIRLEY	DIRECTOR	1.00	Director	$0	$0	$0
EVELYN EVANS	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN CLARK	DIRECTOR	1.00	Director	$0	$0	$0
LORETTA BRAY	DIRECTOR	1.00	Director	$0	$0	$0
LEONARD GALLOWAY	DIRECTOR	1.00	Director	$0	$0	$0
LEO HAWKINS	DIRECTOR	1.00	Director	$0	$0	$0
DONEATER MACK	PROGRAM DIRECTOR	40.00	Officer	$0	$0	$0
THOMAS MORRIS	DEPUTY DIRECTOR	40.00	Officer	$89,005	$0	$89,005
RYOKISHI S MCDONALD	HEAD START DIRECTOR	40.00	Officer	$116,627	$4,703	$121,330
SHARON COLLIER	COMPTROLLER	40.00	Officer	$100,920	$5,118	$106,038
MARVIN BURKS	PROPERTY/PURCHASING DIRECT	40.00	Officer	$74,103	$3,787	$77,890
BERNARD NELSON	PROGRAM DIRECTOR	40.00	Officer	$0	$0	$0
PATRICIA NELSON	PROGRAM DIRECTOR	40.00	Officer	$0	$0	$0
HELMON JOHNSON	EXECUTIVE DIRECTOR	40.00	Officer	$168,023	$8,419	$176,442

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
2022	$18,523,182	$19,448,444	$17,971,179	$-925,262
2021	$25,197,406	$26,344,849	$20,914,937	$-1,147,443
2020	$24,461,349	$27,089,824	$24,100,427	$-2,628,475
2019	$23,477,742	$23,592,092	$21,843,760	$-114,350
2018	$22,566,837	$23,725,607	$21,293,305	$-1,158,770

PEARL RIVER VALLEY OPPORTUNITY INC