ROW RIVER FIRE RESPONSE (EIN 884297067) - 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

2022

Legal Domicile

Principal Officer

RETA COCHRANE

Phone

5419462068

Tax Period

2025-01-01 to 2025-12-31

ROW RIVER FIRE RESPONSE, founded in 2022, is a small nonprofit in the Public Safety sector that reported $244K in total revenue in fiscal year 2025. Revenue fell 56% from the prior year — a significant decline worth monitoring. Expenses of $553K exceeded revenue, resulting in a 127% operating deficit.

Mission

ROW RIVER FIRE RESPONSE / ROW RIVER VALLEY COMMUNITY PARTNERSHIP WORKS TO BRING NEIGHBORS TOGETHER, CREATING CONNECTED, SAFE, AND RESILIENT COMMUNITIES THROUGH EDUCATION, PREVENTION, AND PREPAREDNESS. WE SUPPORT EFFECTIVE EMERGENCY RESPONSE EFFORTS AND PROVIDE PROGRAMS THAT ENHANCE THE WELL-BEING AND QUALITY OF LIFE IN THE ROW RIVER VALLEY.

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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 $243,935

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $243,935

Expense Breakdown

Grants Paid $0

Salaries & Benefits $174,325

Fundraising Expenses $0

Program Expenses $542,167

Other Expenses $378,784

TOTAL EXPENSES $553,109

Year-over-Year Comparison

	2025	2024	Change
Revenue	$243,935	$559,070	-0.6%
Expenses	$553,109	$339,820	+0.6%
Net Income	$-309,174	$219,250	-2.4%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RETA COCHRANE	PRESIDENT	N/A	Officer Director	$0	$0	$0
DENISE BEAN	TREASURER	N/A	Officer Director	$0	$0	$0
LENA HARDING	SECRETARY	N/A	Officer Director	$0	$0	$0
JENNIFER FERERAEZ	DIRECTOR	N/A	Director	$0	$0	$0
JILL LIMONOFF	DIRECTOR	N/A	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	$243,935	$553,109	$362,516	$-309,174
2024	$559,070	$339,820	$678,022	$219,250
2023	$555,440	$90,469	$465,080	$464,971

ROW RIVER FIRE RESPONSE