RAFT RIVER RURAL ELECTRIC COOPERATIVE INC (EIN 820157233) - 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

1939

Legal Domicile

Principal Officer

JOHN CAMPBELL

Phone

2086452211

Tax Period

2025-01-01 to 2025-12-31

RAFT RIVER RURAL ELECTRIC COOPERATIVE INC, founded in 1939, is a mid-sized nonprofit that reported $23.6M in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion.

Mission

TO ENHANCE THE LIVES OF OUR MEMBERS AND COMMUNITIES BY PROVIDING SAFE, RELIABLE, COST-EFFECTIVE ENERGY AND EXCEPTIONAL MEMBER SERVICE.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $23,401,393

Investment Income $137,958

Other Revenue $52,571

TOTAL REVENUE $23,591,922

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,140,030

Fundraising Expenses $0

Other Expenses $15,777,546

TOTAL EXPENSES $23,401,393

Year-over-Year Comparison

	2025	2024	Change
Revenue	$23,591,922	$21,073,924	+0.1%
Expenses	$23,401,393	$20,961,328	+0.1%
Net Income	$190,529	$112,596	+0.7%

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

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

$397,834

Total Directors

$73,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHAD BLACK	GENERAL MANAGER	50.00	Officer	$263,681	$98,003	$361,684
ANDREA SCOTT	FINANCE & ACCOUNTING MANAGER	40.00	Highest	$166,866	$68,413	$235,279
RICHARD HALL	ENGINEERING MANAGER	40.00	Highest	$149,199	$75,233	$224,432
MIKE CHRISTENSON	OPERATIONS SUPERINTENDENT	40.00	Highest	$145,850	$75,279	$221,129
TRACY BANKHEAD	LINE FOREMAN	44.00	Highest	$147,306	$68,371	$215,677
ERIC LOOCK	LINEMAN	40.00	Highest	$144,835	$52,491	$197,326
JOHN CAMPBELL	PRESIDENT	6.40	Officer Director	$15,600	$0	$15,600
LINDSEY MANNING	BOARD MEMBER	4.80	Director	$10,800	$0	$10,800
JASON HARPER	VICE PRESIDENT	4.00	Officer Director	$10,650	$0	$10,650
SHERRIE ERICKSON	BOARD MEMBER	4.00	Director	$9,900	$0	$9,900
ROBERT COTTLE	SECRETARY	3.80	Officer Director	$9,900	$0	$9,900
ERIK SPENCER	BOARD MEMBER	4.30	Director	$9,600	$0	$9,600
SHAWN BURT	BOARD MEMBER	3.30	Director	$6,750	$0	$6,750

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	$23,591,922	$23,401,393	$64,235,150	$190,529
2024	$21,073,924	$20,961,328	$62,248,290	$112,596
2023	$19,958,989	$19,830,122	$59,842,603	$128,867
2022	$21,069,285	$20,897,399	$56,601,572	$171,886
2022	$21,069,285	$20,897,399	$56,601,572	$171,886
2021	$20,818,057	$20,665,695	$56,077,926	$152,362
2020	$20,179,918	$19,860,747	$54,621,153	$319,171
2019	$18,605,227	$18,304,118	$52,670,528	$301,109

RAFT RIVER RURAL ELECTRIC COOPERATIVE INC