Four Rivers Scholarship Fund
Nonprofit profile at a glance
- EIN
- 272822912
- IRS 990-EZ coverage
- 2023–2025
- Forms available
- Form 990 2022, Form 990-EZ 2025
- Location
- Fulton, KY, USA
- Phone
- 2706534301
- Rating
- 96
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Scholarships, Student Financial Aid Services, Awards
Reported finances
- Revenue
- $182,056
- Expenses
- $212,739
- Assets
- $87
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
9 people listed
People named in this filing
- DIANNE OWEN (CHAIRMAN)
- BRENDA MAHAN (VICE CHAIRMA)
- JAY SIMMONS (SECRETARY)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To provide the Kentucky river counties of fulton, hickman, carlisle, livinston and ballard high schools with college credit courses available to all students and medical access at schools.
What it reported doing in 2025
Faith - four rivers scholarship fund (4rf) held its annual fields of faith in october at the hickman county high school gym. Approximately 75 students attended from three schools - fulton independent, hickman and fulton counties. Fluency - rudolph's readers delivered over 2,000 books to the preschool-5th grad students. Fitness - 4rf purchased additional ipads for each of the nurses to provide telehealth for the students when the doctor is at one school and needs to assist with a medical call at another. 4rf purchased much needed medical equipment for the schools and has spoken to several classes about healthy choices. Future - dual credit continues at each of the six high schools and students average around 9 to 12 hours with the fund assisting with paying for hours beyond what the state pays for each year. The average number of hours earned is 9, but many of our students earn up to 21 hours and are sophomores when they go to college. In addition, students continue to earn industry certifications, and there is an increase in students being college and career-ready.
Operating model
- Revenue model
- Donor-supported. 100% of the money available for current operations came from contributions and gifts.
- Distribution model
- Grant intermediary. The nonprofit sent 66% of its reported program spending out as grants.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.
Rating breakdown
- Financial Efficiency: 100
- Transparency & Controls: 100
- Sustainability: 13
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 100%; rating input score 100
- Program expense ratio: 99.4%; rating input score 99
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
- Major donor itemization: Yes; rating input score 100
Sustainability
- Operating margin: -16.9%; rating input score 9; 9th percentile among comparable filings
- Total-asset coverage ratio: 0; rating input score 3; 3rd percentile among comparable filings
- Liabilities to assets ratio: Limited
- Officer compensation ratio: 0%; rating input score 63; 63rd percentile among comparable filings
Growth
- Program expense growth: 58.9% per year; rating input score 100; 93rd percentile among comparable filings
- Revenue growth: 2.8% per year; rating input score 100; 32nd percentile among comparable filings
- Asset growth: 18% per year; rating input score 100; 75th percentile among comparable filings
Details
- Where the money goes: 100% of revenue deployed · 99.4% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 1 filed program accomplishment · $212K in reported program spending
- Leadership: top reported pay $0 · 9 people listed
- Consistency: 7 of 7 current checks pass
- Schedules: 3 filed schedules
- Filing history: 3 filing years from 2023 to 2025
- Contacts: How to reach this organization
- Money network: Resolved incoming and outgoing counterparties from filed money flows.
- Related organizations: Filed and resolved organization relationships.
- 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.
- High — Sustainability: Operating margin scored 9/100.
- High — Sustainability: Total-asset coverage ratio scored 3/100.