RIVERS OF LIVING WATER MINISTRY (EIN 711003481) - 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

2006

Legal Domicile

Principal Officer

TODD CLEPPE

Phone

6414892221

Tax Period

2023-01-01 to 2023-12-31

RIVERS OF LIVING WATER MINISTRY, founded in 2006, is a small nonprofit in the Religion sector that reported $117K in total revenue in fiscal year 2023. Revenue surged 29% from the prior year, signaling strong growth momentum. Expenses of $103K left a modest 12% surplus.

Mission

TEACHING AND EQUIPING THE BODY OF CHRIST THROUGH EDUCATION AND INTERNSHIPS

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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 (2023)

Revenue Breakdown

Contributions & Grants $116,965

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $116,965

Expense Breakdown

Grants Paid $4,407

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $103,430

Other Expenses $99,023

TOTAL EXPENSES $103,430

Year-over-Year Comparison

	2023	2022	Change
Revenue	$116,965	$90,498	+0.3%
Expenses	$103,430	$120,401	-0.1%
Net Income	$13,535	$-29,903	-1.5%

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
TODD CLEPPE	PRESIDENT/DIRECTOR	10.00	Director	$0	$0	$0
GEORGE CLEPPE	SECRETARY	2.00	Director	$0	$0	$0
GEORGE REIDA	TREASURER	2.00	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
2023	$116,965	$103,430	$712,199	$13,535
2022	$90,498	$120,401	$698,664	$-29,903
2021	$106,739	$106,629	$728,567	$110
2020	$89,816	$111,680	$745,017	$-21,864
2019	$96,391	$122,367	$766,881	$-25,976
2018	$73,590	$100,342	$792,857	$-26,752

RIVERS OF LIVING WATER MINISTRY