Three Rivers Community Action Inc

Nonprofit profile at a glance

EIN
410906178
IRS 990 coverage
2009–2025
Forms available
Form 990 2025, Form 990-T 2025
Location
Zumbrota, MN, USA
Phone
5073160610
Rating
86
Verdict
STRONG
Rating confidence
Moderate

Official website

Reported finances

Revenue
$31,092,071
Expenses
$29,515,718
Assets
$47,536,038
Liabilities
$24,922,755

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

21 people listed

Executive titles in this filing

  • JENNIFER LARSON (EXECUTIVE DIRECTOR)

Highest reported compensation

  • JENNIFER LARSON (EXECUTIVE DIRECTOR): $206,244 total reported compensation
  • CASSANDRA REESE (CONTROLLER): $148,460 total reported compensation
  • LAURA HELLE (HOUSING AND HOMEOWNERSHIP DIRECTOR): $116,985 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Three rivers community action, inc. Is a nonprofit corporation that works with community partners to address basic human needs of people in our service area, thereby improving the quality of life of the individual, family and community.

What it reported doing in 2025

Community development: provided a continuum of housing services and assistance to low-income families; provided one-on-one home ownership counseling to 196 households and home ownership education to 220 households; weatherized 22 homes; projects included insulation, led lighting, furnaces, water heaters, and window replacement; completed 78 repairs to mobile homes in rice county to improve the health, safety and energy efficiency of the homes; repairs include installing smoke detectors, replacing furnaces and water heaters, replacing roofs, repairing water damage and adding accessibility ramps; assisted 163 homes with energy related repairs; assisted 4,767 households with energy assistance; provided energy & water crisis assistance to 1,318 homes; provided homeless prevention and assistance to 325 households; provided transitional housing and rapid rehousing to 74 households; provided permanent supportive housing to 17 households; provided snap food support outreach to 526 households; provided general & housing information and referral, education, outreach activities, advocacy information to low-income households in goodhue, olmsted, rice and wabasha counties.

Operating model

Revenue model
Grant-funded. 79% of the money available for current operations came from government grants.
Distribution model
Hybrid. The nonprofit split its reported program spending across 61% for direct work, and 39% for grants.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some related-organization disclosures are missing and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 84
  • Transparency & Controls: 83
  • Accountability: 100
  • Sustainability: 45
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 92.9%; rating input score 93
  • Program expense ratio: 97.8%; rating input score 98
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
  • Pay-setting controls: 3 of 6 controls in place; rating input score 50
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Pass
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 76th percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Scored; rating input score 0

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 9 of 9 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • 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: 5.1%; rating input score 44; 44th percentile among comparable filings
  • Total-asset coverage ratio: 1.61; rating input score 44; 44th percentile among comparable filings
  • Liabilities to assets ratio: 0.52; rating input score 24; 24th percentile among comparable filings
  • Officer compensation ratio: 2.7%; rating input score 75; 75th percentile among comparable filings

Growth

  • Program expense growth: 10% per year; rating input score 100; 67th percentile among comparable filings
  • Revenue growth: 8.1% per year; rating input score 100; 64th percentile among comparable filings
  • Asset growth: 9.3% per year; rating input score 100; 63rd percentile among comparable filings

Details

  • Where the money goes: 92.9% of revenue deployed · 97.8% of spending went to programs
  • Governance: 15 of 15 board members independent · 9 of 9 filing controls reported
  • Programs: 6 filed program accomplishments · $28.9M in reported program spending
  • Leadership: top reported pay $206K · 21 people listed · 3 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $4M reported
  • Consistency: 36 of 36 current checks pass
  • Schedules: 8 filed schedules · includes major donors, grants, executive pay, and related organizations
  • Filing history: 15 filing years from 2009 to 2025
  • Contacts: How to reach this organization
  • Money network: 9 filed money-flow records
  • Related organizations: 22 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.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Transparency & Controls: Related-party transparency scored 0/100.
  • Moderate — Sustainability: Operating margin scored 44/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 44/100.
  • High — Sustainability: Liabilities to assets ratio scored 24/100.