3 Rivers Communications
Legal name: 3 Rivers Telephone Cooperative Inc
Nonprofit profile at a glance
- EIN
- 810243702
- IRS 990 coverage
- 2012–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Fairfield, MT, USA
- Phone
- 406-467-2535
- Rating confidence
- Limited
Reported finances
- Revenue
- $62,774,976
- Expenses
- $62,774,976
- Assets
- $174,975,911
- Liabilities
- $52,153,634
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
19 people listed
Executive titles in this filing
- MARY E HILL (PRESIDENT)
- KIRK R DIGE (VICE PRESIDENT)
- DAVID GIBSON (CEO/GM)
Highest reported compensation
- DAVID GIBSON (CEO/GM): $600,212 total reported compensation
- PEGGY POOR (DIRECTOR OF CUSTOMER OPERATIONS): $480,973 total reported compensation
- TIMOTHY HODGES (DIRECTOR OF NETWORK OPERATIONS): $463,004 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
3 Rivers is committed to giving you a fast, reliable internet connection, one that starts with the high-capacity fiber network that delivers strong performance right to your home.
What it reported doing in 2024
3 rivers telephone cooperative makes telephone, internet services and facilities available to the widest practical number of users on a non-profit, cooperative basis.
Operating model
- Revenue model
- Earned-program. 99% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 82
- Accountability: 86
- Sustainability: 44
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 68th percentile among comparable filings
- Pay-setting controls: 3 of 6 controls in place; rating input score 50
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 100%; rating input score 100; 77th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
- Governance controls: 6 of 9 controls in place; rating input score 67
- Conflict-of-interest policy: Pass
- Whistleblower policy: Fail
- Document-retention policy: Fail
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 0%; rating input score 29; 29th percentile among comparable filings
- Total-asset coverage ratio: 2.79; rating input score 74; 74th percentile among comparable filings
- Liabilities to assets ratio: 0.3; rating input score 56; 56th percentile among comparable filings
- Officer compensation ratio: 5%; rating input score 17; 17th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 3.3% per year; rating input score 100; 25th percentile among comparable filings
- Asset growth: 4.5% per year; rating input score 100; 32nd percentile among comparable filings
Details
- What they do: 5 programs and campaigns described on the official site · 4 operating locations identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 8 of 8 board members independent · 6 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $600K · 19 people listed · 3 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $14.5M reported
- Consistency: 13 of 13 current checks pass
- Schedules: 4 filed schedules · includes grants and executive pay
- Filing history: 10 filing years from 2012 to 2024
- Contacts: How to reach this organization
- Money network: 22 filed money-flow records
- Related organizations: 3 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Accountability: Governance controls: 3 of 9 not reported.
- High — Sustainability: Operating margin scored 29/100.
- High — Sustainability: Officer compensation ratio scored 17/100.
- Review — Sustainability: Liabilities to assets ratio scored 56/100.