RIVER OF DREAMS (EIN 860749240) - 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

1993

Legal Domicile

Principal Officer

JERRY KETELHUT

Tax Period

2020-01-01 to 2020-12-31

RIVER OF DREAMS, founded in 1993, is a small nonprofit that reported $190K in total revenue in fiscal year 2020. Revenue decreased 12% compared to the prior year. Expenses of $165K left a modest 13% surplus.

Mission

IS COMMITTED TO IMPROVING THE LIVES OF INDIVIDUALS WITH DISABILITIES AND SIGNIFICANT LIFE CHALLENGES THROUGH THE POWER OF OUTDOOR RECREATION AND PHYSCIAL ACTIVITIES.

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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 (2020)

Revenue Breakdown

Contributions & Grants $101,872

Program Service Revenue $88,416

Investment Income $0

Other Revenue $0

TOTAL REVENUE $190,288

Expense Breakdown

Grants Paid $0

Salaries & Benefits $102,937

Fundraising Expenses $154

Program Expenses $123,037

Other Expenses $61,710

TOTAL EXPENSES $164,647

Year-over-Year Comparison

	2020	2019	Change
Revenue	$190,288	$216,609	-0.1%
Expenses	$164,647	$228,506	-0.3%
Net Income	$25,641	$-11,897	-3.2%

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

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

$45,740

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JERRY KETELHUT	PROGRAM DIRECTOR	32.00	Officer	$45,740	$0	$45,740
JILL BRACE	BOARD MEMBER	3.00	Director	$0	$0	$0
PEG BONHART	BOARD MEMBER	3.00	Director	$0	$0	$0
RANDALL HOWELL	BOARD MEMBER	3.00	Director	$0	$0	$0
MARK STODOLA	BOARD MEMBER	2.00	Director	$0	$0	$0
ANN WHEAT	BOARD MEMBER	4.00	Director	$0	$0	$0
NANCY ENGSTROM	BOARD MEMBER	3.00	Director	$0	$0	$0
MIKE RISSMAN	BOARD MEMBER	4.00	Officer Director	$0	$0	$0
GABBY HEBERT	BOARD CHAIR	6.00	Officer Director	$0	$0	$0
APRIL JONES	BOARD MEMBER	4.00	Officer 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
2020	$190,288	$164,647	$96,115	$25,641
2019	$216,609	$228,506	$70,473	$-11,897
2018	$181,363	$231,993	$81,917	$-50,630

RIVER OF DREAMS