RIVER OF LIFE SCHOOL (EIN 820686655) - 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

2017

Legal Domicile

Principal Officer

Adam Sterenberg

Phone

2697577549

Tax Period

2024-09-01 to 2025-08-31

RIVER OF LIFE SCHOOL, founded in 2017, is a small nonprofit in the Education sector that reported $388K in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum.

Mission

RIVER OF LIFE SCHOOL EXISTS TO PROVIDE A CHRIST CENTERED EDUCATION TO ALL CHILDREN REGARDLESS OF THEIR SOCIO-ECONOMIC SITUATION. RIVER OF LIFE CELEBRATES THE DIVERSITY OF THE BODY OF CHRIST AND EQUIPS CHILDREN TO SERVE GOD, PEOPLE, AND CREATION TO THEIR FULLEST POTENTIAL.

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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 (2024)

Revenue Breakdown

Contributions & Grants $357,998

Program Service Revenue $30,317

Investment Income $0

Other Revenue $0

TOTAL REVENUE $388,315

Expense Breakdown

Grants Paid $0

Salaries & Benefits $254,714

Fundraising Expenses $29,688

Program Expenses $332,839

Other Expenses $158,637

TOTAL EXPENSES $422,351

Year-over-Year Comparison

	2024	2023	Change
Revenue	$388,315	$318,788	+0.2%
Expenses	$422,351	$343,762	+0.2%
Net Income	$-34,036	$-24,974	+0.4%

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

Total Directors

Key Employees

$55,335

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MALLORY NICHOLSON	PRINCIPAL	40	Key Emp Highest	$48,135	$7,200	$55,335
JOHN TAYLOR	BOARD MEMBER	1		$0	$0	$0
ADAM STERENBERG	BOARD MEMBER & PRESIDENT	1	Officer	$0	$0	$0
DAVID SMELTZER	BOARD MEMBER & TREASURER	1	Officer	$0	$0	$0
MARCY WHITE	BOARD MEMBER & VICE-PRESIDENT	8	Officer Key Emp	$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	$388,315	$422,351	$100,083	$-34,036
2024	$318,788	$343,762	$90,818	$-24,974
2024	$318,788	$343,762	$90,818	$-24,974
2023	$181,784	$229,359	$120,923	$-47,575
2022	$216,299	$219,894	$165,121	$-3,595
2021	$334,466	$226,166	$170,137	$108,300
2020	$227,339	$237,704	$147,304	$-10,365
2019	$229,089	$174,403	$144,107	$54,686

RIVER OF LIFE SCHOOL