Five Rivers Health Centers
Nonprofit profile at a glance
- EIN
- 450914398
- IRS 990 coverage
- 2012–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025
- Location
- Dayton, OH, US
- Phone
- (937) 281-6800
- Rating
- 77
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Sector
- Ambulatory Health Center, Community Clinic
Reported finances
- Revenue
- $56,554,645
- Expenses
- $50,597,669
- Assets
- $64,969,117
- Liabilities
- $21,512,777
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
26 people listed
Executive titles in this filing
- GINA MCFARLANE-EL (CEO)
Highest reported compensation
- MAMLE ANIM (CMO): $428,427 total reported compensation
- JEFFERY MARABLE (DOCTOR): $372,311 total reported compensation
- GINA MCFARLANE-EL (CEO): $352,618 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Five Rivers Health Centers provides comprehensive, high-quality, and affordable healthcare services to all individuals in Montgomery and Greene Counties, regardless of their ability to pay.
What it reported doing in 2025
During the year, five rivers health centers provided comprehensive, integrated primary and specialty care to 27,165 patients through 93,712 visits, advancing its mission to increase access to quality, respectful care for the community. The organization expanded behavioral health capacity by adding psychiatry services and three counselors providing onehour sessions across multiple sites, improved entry into prenatal care by completing comprehensive ob physicals on the day patients established care, and achieved 4%+ improvements in breast cancer, colorectal cancer, and HIV screening rates. In partnership with state and local agencies, the organization delivered medical, dental, and vision services for children newly placed in foster care and assisted 6,919 individuals with insurance applications through outreach & enrollment. In addition, the organization participates in the 340b drug pricing program and filed 186,764 prescriptions for its patients. Savings generated from this program help sustain discounted medications, expand access to care, and support wraparound services consistent with the mission to reduce barriers for uninsured and underresourced patients.
Operating model
- Revenue model
- Earned-program. 85% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
- Includes noncash contributions: Reported contributions include donated property or goods.
The verdict
SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Total assets are small relative to annual expenses; liquid coverage is unknown and some filing-based governance responses are negative or unanswered.
Rating breakdown
- Financial Efficiency: 70
- Transparency & Controls: 74
- Accountability: 95
- Sustainability: 52
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 75.4%; rating input score 75
- Program expense ratio: 86%; rating input score 86
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 66th percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Missing
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 65th percentile among comparable filings
- Governance controls: 8 of 9 controls in place; rating input score 89
- Conflict-of-interest policy: Pass
- Whistleblower policy: Fail
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 10.5%; rating input score 71; 71st percentile among comparable filings
- Total-asset coverage ratio: 1.28; rating input score 35; 35th percentile among comparable filings
- Liabilities to assets ratio: 0.33; rating input score 54; 54th percentile among comparable filings
- Officer compensation ratio: 5.9%; rating input score 15; 15th percentile among comparable filings
Growth
- Program expense growth: 12.1% per year; rating input score 100; 76th percentile among comparable filings
- Revenue growth: 12.7% per year; rating input score 100; 82nd percentile among comparable filings
- Asset growth: 22% per year; rating input score 100; 94th percentile among comparable filings
Details
- What they do: 11 programs and campaigns described on the official site · 4 operating locations identified
- Where the money goes: 75.4% of revenue deployed · 86% of spending went to programs
- Governance: 13 of 13 board members independent · 8 of 9 filing controls reported
- Programs: 1 filed program accomplishment · $43.5M in reported program spending
- Leadership: top reported pay $428K · 26 people listed · 2 of 6 pay-setting controls reported
- Highest-paid contractors: 1 contractor listed · $110K reported
- Consistency: 36 of 36 current checks pass
- Schedules: 7 filed schedules · includes major donors and executive pay
- Filing history: 13 filing years from 2012 to 2025
- Contacts: How to reach this organization
- Money network: 10 filed money-flow records
- Related organizations: 1 filed related-organization link
- 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.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Sustainability: Total-asset coverage ratio scored 35/100.
- Review — Accountability: Governance controls: Whistleblower policy not reported.
- High — Sustainability: Officer compensation ratio scored 15/100.
- Review — Sustainability: Liabilities to assets ratio scored 54/100.