LIVING RIVERS

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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

2000

Legal Domicile

Tax Period

2025-01-01 to 2025-12-31

LIVING RIVERS, founded in 2000, is a small nonprofit in the Environment sector that reported $207K in total revenue in fiscal year 2025. Revenue decreased 16% compared to the prior year. Expenses of $259K exceeded revenue, resulting in a 25% operating deficit.

Mission

LIVING RIVERS PROMOTES RIVER RESTORATION THROUGH MOBILIZATION BY ARTICULATING CONSERVATION AND ALTERNATIVE MANAGEMENT STRATEGIES TO THE PUBLIC. SEEKING TO REVIVE THE NATURAL HABITAT AND SPIRIT OF RIVERS BY UNDOING THE EXTENSIVE DAMAGE DONE BY DAMS, DIVERSIONS AND POLLUTION ON THE COLORADO PLATEAU.

Program Service Accomplishments

Program 1

Expenses: $221,144

CANYONS OF THE COLORADO; UNDERTAKING EDUCATION AND OUTREACH TO RESTORE THE COLORADO RIVER THROUGH GLEN AND GRAND CANYONS AND PROTECTING WATER RESOURCES FROM PROPOSED TAR SANDS AND OIL SHALE STRIP...

CANYONS OF THE COLORADO; UNDERTAKING EDUCATION AND OUTREACH TO RESTORE THE COLORADO RIVER THROUGH GLEN AND GRAND CANYONS AND PROTECTING WATER RESOURCES FROM PROPOSED TAR SANDS AND OIL SHALE STRIP MINING IN EASTERN UTAH

Program 2

PROTECTING WATER SOURCES FOR THE COLORADO RIVER BASIN FROM POLLUTION

Program 3

PROTECTING WATER RESOURCES FROM MINING AND MILLING OF URANIUM IN THE FOUR CORNERS REGION.

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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 $190,791

Program Service Revenue $0

Investment Income $0

Other Revenue $16,300

TOTAL REVENUE $207,091

Expense Breakdown

Grants Paid $3,370

Salaries & Benefits $86,317

Fundraising Expenses $2,495

Program Expenses $221,144

Other Expenses $166,858

TOTAL EXPENSES $259,040

Year-over-Year Comparison

	2025	2024	Change
Revenue	$207,091	$247,457	-0.2%
Expenses	$259,040	$225,406	+0.1%
Net Income	$-51,949	$22,051	-3.4%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUSETTE DECOSTER-WEISHEIT	TREASURER	N/A	Officer Director	$0	$0	$0
DAVOD HASKELL	SECRETARY	N/A	Officer Director	$0	$0	$0
ELEANOR INSKIP	BOARD MEMBER	N/A	Director	$0	$0	$0
N/A	PRESIDENT	N/A	Officer Director	$0	$0	$0
OWEN LAMMERS	VICE PRESIDE	N/A	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
2025	$207,091	$259,040	$207,917	$-51,949
2024	No data	No data	No data	No data
2023	$141,815	$158,290	$207,314	$-16,475
2022	$249,634	$263,271	$343,357	$-13,637
2021	$170,483	$184,231	$352,526	$-13,748
2020	$146,794	$161,086	$369,133	$-14,292
2019	$155,624	$178,517	$385,911	$-22,893
2018	$287,727	$232,590	$407,192	$55,137