FOUR RIVERS HEALTH CARE

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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

Principal Officer

JOE RECLA

Phone

2087393410

Tax Period

2025-01-01 to 2025-12-31

FOUR RIVERS HEALTH CARE, founded in 2000, is a micro nonprofit in the Health Care sector that reported $28K in total revenue in fiscal year 2025. Expenses of $82K exceeded revenue, resulting in a 197% operating deficit.

Mission

TO PROVIDE HEALTH SERVICES TO LOW-INCOME FAMILIES IN THE COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $80,090

THE ORGANIZATION PROVIDES HEALTH SERVICES TO LOW-INCOME FAMILIES IN THE COMMUNITY. CLINIC CUSTOMERS ARE NOT REQUIRED TO PAY FOR THE SERVICES PROVIDED. THE EXPENSES INCLUDE MEDICAL SUPPLIES...

THE ORGANIZATION PROVIDES HEALTH SERVICES TO LOW-INCOME FAMILIES IN THE COMMUNITY. CLINIC CUSTOMERS ARE NOT REQUIRED TO PAY FOR THE SERVICES PROVIDED. THE EXPENSES INCLUDE MEDICAL SUPPLIES, ASSISTANCE WITH THE PURCHASE OF PRESCRIPTIONS FOR CUSTOMERS, AND OTHER COSTS OF OPERATING THE CLINIC.

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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 $0

Investment Income $1,218

Other Revenue $26,400

TOTAL REVENUE $27,618

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $80,090

Other Expenses $81,890

TOTAL EXPENSES $81,890

Year-over-Year Comparison

	2025	2024	Change
Revenue	$27,618	$28,281	0.0%
Expenses	$81,890	$53,147	+0.5%
Net Income	$-54,272	$-24,866	+1.2%

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

N/A

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
LUKE OWENS	DIRECTOR	10.00	Director	$0	$0	$0
KIM RECLA	DIRECTOR	10.00	Director	$0	$0	$0
JULI RECLA	SECRETARY	15.00	Officer	$0	$0	$0
JODY STARK FNP	PRESIDENT	15.00	Officer	$0	$0	$0
JOE RECLA	EXECUTIVE DIRECTOR	12.00	Officer	$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	$27,618	$81,890	$222,181	$-54,272
2024	No data	No data	No data	No data
2023	$200,327	$215,212	$301,296	$-14,885
2022	$187,332	$213,560	$566,713	$-26,228
2021	$263,770	$262,662	$612,251	$1,108
2020	$206,126	$203,889	$640,483	$2,237