Five Rivers Conservation Trust
Five Rivers Conservation Trust maintains strong asset growth and zero executive compensation, demonstrating efficient, volunteer-led operations.
EIN: 20427594 · Concord, NH · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $774K |
| Total Expenses | $367K |
| Program Spending | 90% |
| CEO/Top Officer Pay | $2.6 |
| Net Assets | $2.7M |
| Transparency Score | 95/100 |
Is Five Rivers Conservation Trust Legit?
Appears Legitimate
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Five Rivers Conservation Trust directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Five Rivers Conservation Trust
Five Rivers Conservation Trust (EIN: 20427594) is a nonprofit organization based in Concord, NH. The organization reported total revenue of $774K and total assets of $3.0M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Five Rivers Conservation Trust's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Five Rivers Conservation Trust is a small nonprofit that has been operating for 37 years, with 13 years of IRS 990 filings on record (2012–2024). Revenue has grown at a compound annual rate of 1.6%.
Key Financial Metrics (2024)
From the most recent IRS 990 filing on record:
| Total Revenue | $350K |
| Total Expenses | $367K |
| Surplus / Deficit | $-16,975 |
| Total Assets | $2.7M |
| Total Liabilities | $14K |
| Net Assets | $2.7M |
| Operating Margin | -4.8% |
| Debt-to-Asset Ratio | 0.5% |
| Months of Reserves | 88.1 months |
Financial Health Grade: B
In 2024, Five Rivers Conservation Trust reported a deficit of $17K with expenses exceeding revenue, holds 88.1 months of operating reserves (strong position), has a debt-to-asset ratio of 0.5% (very low leverage).
Financial Trends
Over 13 years of filings (2012–2024), Five Rivers Conservation Trust's revenue has grown at a compound annual growth rate (CAGR) of 1.6%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2024 | -13.2% | -3.8% | +3.6% |
| 2023 | -30.0% | +2.5% | -4.3% |
| 2022 | -56.0% | +34.8% | +4.6% |
| 2021 | +174.4% | -28.8% | +99.2% |
| 2020 | +55.8% | +88.4% | +7.6% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1989 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Five Rivers Conservation Trust with a Mission Score of 95 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 10%
- programs: 90%
- fundraising: 0%
According to IRS 990 filings, Five Rivers Conservation Trust allocates its expenses as follows: admin: 10%, programs: 90%, fundraising: 0%. With 90% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2024)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $17K, with expenses exceeding revenue.
- Debt-to-asset ratio: 0.5%.
Executive Compensation Analysis
Executive compensation is reported as 0% across all available filings, indicating that the organization's leadership is entirely volunteer-based, which is highly unusual and commendable for an organization with assets exceeding $2.6 million.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Strengths
The following positive indicators were identified for Five Rivers Conservation Trust:
- Consistent asset growth, increasing from $846,735 in 2015 to $2,696,151 in 2024.
- Zero reported officer compensation across all filings, indicating volunteer leadership and high efficiency.
- Very low liabilities relative to assets, demonstrating strong financial management (e.g., $13,886 liabilities vs. $2,696,151 assets in 2024).
- Strong program focus implied by the absence of executive compensation and consistent asset accumulation.
- Long history of IRS 990 filings (13 filings), indicating transparency and compliance.
Frequently Asked Questions about Five Rivers Conservation Trust
Is Five Rivers Conservation Trust a legitimate charity?
Based on AI analysis of IRS 990 filings, Five Rivers Conservation Trust (EIN: 20427594) appears legitimate. Mission Score: 95/100. 0 red flags identified, 5 strengths noted.
How does Five Rivers Conservation Trust spend its money?
Five Rivers Conservation Trust directs 90% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to Five Rivers Conservation Trust tax-deductible?
Five Rivers Conservation Trust is registered as a tax-exempt nonprofit (EIN: 20427594). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How much does the Five Rivers Conservation Trust CEO make?
Five Rivers Conservation Trust's highest-compensated officer earns $2.6 annually. The organization reported $774K in total revenue. Executive compensation data is disclosed in IRS 990 filings.
Where is Five Rivers Conservation Trust located?
Five Rivers Conservation Trust is headquartered in Concord, New Hampshire and files with the IRS under EIN 20427594.
How many years of IRS 990 filings does Five Rivers Conservation Trust have?
Five Rivers Conservation Trust has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $774K in total revenue.
Is Five Rivers Conservation Trust a good charity?
Based on the provided data, Five Rivers Conservation Trust appears to be a very good charity. It demonstrates strong financial health with growing assets, very low liabilities, and a remarkable commitment to volunteer leadership with 0% officer compensation reported across all filings. This suggests a highly efficient and mission-focused operation.
How has the organization's financial health changed over time?
The organization's financial health has significantly improved over time. Assets have grown consistently from $846,735 in 2015 to $2,696,151 in 2024, indicating effective asset management and growth. While revenue fluctuates, the overall trend shows a stable and growing financial base.
What is the organization's approach to executive compensation?
Five Rivers Conservation Trust has a highly commendable approach to executive compensation, reporting 0% officer compensation in all available filings. This indicates that its leadership is entirely volunteer-based, directing all available funds towards its mission and operational costs rather than executive salaries.
Filing History
IRS 990 filing history for Five Rivers Conservation Trust showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2012–2024), Five Rivers Conservation Trust's revenue has grown by 20.6%, moving from $290K to $350K. Total assets increased by 329.1% over the same period, from $628K to $2.7M. Total functional expenses rose by 92.8%, from $190K to $367K. In its most recent filing year (2024), Five Rivers Conservation Trust reported a deficit of $17K, with expenses exceeding revenue. The organization holds $14K in liabilities against $2.7M in assets (debt-to-asset ratio: 0.5%), resulting in net assets of $2.7M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2024 | $350K | $367K | $2.7M | $14K | — | — |
| 2023 | $403K | $382K | $2.6M | $5K | — | — |
| 2022 | $576K | $372K | $2.7M | $15K | — | View 990 |
| 2021 | $1.3M | $276K | $2.6M | $45K | — | — |
| 2020 | $477K | $388K | $1.3M | $13K | — | View 990 |
| 2019 | $306K | $206K | $1.2M | $10K | — | View 990 |
| 2018 | $302K | $166K | $1.1M | $9K | — | View 990 |
| 2017 | $319K | $270K | $979K | $12K | — | View 990 |
| 2016 | $228K | $148K | $902K | $12K | — | View 990 |
| 2015 | $185K | $125K | $847K | $8K | — | View 990 |
| 2014 | $306K | $216K | $786K | $7K | — | View 990 |
| 2013 | $322K | $287K | $655K | $2K | — | View 990 |
| 2012 | $290K | $190K | $628K | $3K | — | View 990 |
Year-by-Year Financial Summary
- 2024: Revenue of $350K, expenses of $367K, and assets of $2.7M (revenue -13.2% year-over-year).
- 2023: Revenue of $403K, expenses of $382K, and assets of $2.6M (revenue -30.0% year-over-year).
- 2022: Revenue of $576K, expenses of $372K, and assets of $2.7M (revenue -56.0% year-over-year).
- 2021: Revenue of $1.3M, expenses of $276K, and assets of $2.6M (revenue +174.4% year-over-year).
- 2020: Revenue of $477K, expenses of $388K, and assets of $1.3M (revenue +55.8% year-over-year).
- 2019: Revenue of $306K, expenses of $206K, and assets of $1.2M (revenue +1.6% year-over-year).
- 2018: Revenue of $302K, expenses of $166K, and assets of $1.1M (revenue -5.5% year-over-year).
- 2017: Revenue of $319K, expenses of $270K, and assets of $979K (revenue +39.7% year-over-year).
- 2016: Revenue of $228K, expenses of $148K, and assets of $902K (revenue +23.7% year-over-year).
- 2015: Revenue of $185K, expenses of $125K, and assets of $847K (revenue -39.7% year-over-year).
- 2014: Revenue of $306K, expenses of $216K, and assets of $786K (revenue -4.8% year-over-year).
- 2013: Revenue of $322K, expenses of $287K, and assets of $655K (revenue +10.8% year-over-year).
- 2012: Revenue of $290K, expenses of $190K, and assets of $628K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Five Rivers Conservation Trust:
Data Sources and Methodology
This transparency report for Five Rivers Conservation Trust is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.