Three Rivers Community Action INC

Tax-deductible

Zumbrota, MN501(c)(3)Since 1966EIN 41-0906178

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.

501(c)(3) charity; gifts are tax-deductible.
98¢ of each $1 spent went to programs.
Run by 501 volunteers and 197 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
6 of 6
filings with a surplus
Average surplus $1.4M a year · 7% of revenue · last 6 filings
Looks good: a surplus in 6 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
98%
of spending
Looks good: 98% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$705K
to officers and key staff · 2% of spending
Looks good: pay to officers and key staff is 2% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
5 mo
of spending, in cash
Looks good: 5.3 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
3
named funders · $32K
Looks good: 3 funders name it on their filings; 3 or more.
Funders’ Sch. I, 990-PF
Liabilities
$24.9M
52% of total assets
Fine: liabilities are 52% of assets; 50% to 65%.
Pt X · Ln 26
Independent board members
15
of 15 voting members
Looks good: 15 of 15 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$31.1M
+27% vs prior year
Spent
$29.5M
To programs
98%
Net assets
$22.6M
By yearFY2020–FY2025
Revenue
$31.1M
FY2025▲ +27%
Revenue by fiscal year
FY2020$15.5M
FY2021$14.8M
FY2022$16.3M
FY2023$22.5M
FY2024$24.6M
FY2025$31.1M
Expenses
$29.5M
FY2025▲ +33%
Expenses by fiscal year
FY2020$14.9M
FY2021$14.4M
FY2022$15.5M
FY2023$19.7M
FY2024$22.2M
FY2025$29.5M
Net assets
$22.6M
FY2025▲ +7%
Net assets by fiscal year
FY2020$14.2M
FY2021$14.6M
FY2022$15.9M
FY2023$18.7M
FY2024$21.0M
FY2025$22.6M

From the FY2025 Form 990 · figures checked against the IRS filing · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Aug 1966.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

98 cents of each dollar spent went to programs.

Program services 98% · $28.9M Management & general 2% · $647K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

Who runs it and what they're paid

21 people listed on the 990; $705K paid to officers and key staff.

Part VII, Section A · reportable compensation
Executive Director
$179,822Pt VII · Sec A
Housing and Homeownership Director
$110,337Pt VII · Sec A
Housing Development Officer
$104,875Pt VII · Sec A
Controller
$104,364Pt VII · Sec A
Human Resources Director
$102,885Pt VII · Sec A
Director of Community Supports
$102,469Pt VII · Sec A
Board Member
$0Pt VII · Sec A
Board Member
$0Pt VII · Sec A

Compensation history total reportable pay by year · 8 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Jennifer Larson$179,822—————
Jenny Larson—$175,098$169,129$161,167$158,054$154,193
Kindra Papenfus—$68,861$119,382$114,808$112,344$113,253
Cassandra Reese$104,364$110,696————
Laura Helle$110,337—————
Courtney Dugstad—$110,081————
Leah Hall Leraas——$107,148$100,939——
Clara Castillejos Hernandez———$106,360——

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Three Rivers Community Action INC executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Develops and manages affordable rental housing while providing downpayment assistance and gap financing to help low-income families achieve homeownership.

Provided by the organization

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3 program services account for $24.8M of program spending, described in the organization's own filed words · FY2025.
01

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…

$14.4Mprogram expense
02

Transportation

Provided 168,535 public transit rides and provided 1,948 volunteer rides.

$5.4Mprogram expense
03

Housing Development

Assisted 270 first generation homeowners with down payment assistance and gap financing; managed 742 affordable rental units in 26 properties; owned 15 single family homes serving special populations; acquired an additional 32 affordable rental units and preserved their affordability.

$5.0Mprogram expense

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Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · received and paid
Grants received · FY2025
Total grants receivedfrom 3 funders$32K
See all 3 funders →
Grants paid · 59 grants · $25.5M · 2020–2025
Unitemized GrantFY2025$7,801,850
Semcac INCMN · FY2025$1,263,002
Unitemized GrantFY2025$1,235,842
Unitemized GrantFY2025$272,940
Unitemized GrantFY2025$111,062
Unitemized GrantFY2025$78,957
Unitemized GrantFY2025$61,257
Unitemized GrantFY2024$1,314,223
Unitemized GrantFY2024$1,307,967
Semcac INCMN · FY2024$797,543
Unitemized GrantFY2024$388,089
Unitemized GrantFY2024$305,500
Unitemized GrantFY2024$74,800
Unitemized GrantFY2024$26,955
See all 59 grants →

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$31.1M
Ln 12
Gifts and grantsLn 1h$25.3M
Fees for servicesLn 2g$5.5M
Investment incomeLn 3$278K
Money outPt IX
$29.5M
Ln 25
Programscol B$28.9M
Managementcol C$647K
Owns and owesPt X
$22.6M
net assets · Ln 32
Cash and savingsLn 1–2$12.9M
Total assetsLn 16$47.5M
LiabilitiesLn 26$24.9M
PeoplePt VI, VII
21
listed · VII A
PaidVII A6
Voting boardVI 1a15
IndependentVI 1b15
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$25.3M
Government grantsLn 1e$24.5M
Fees for servicesLn 2g$5.5M
Investment incomeLn 3$278K
Gains on assetsLn 7$7K
Total revenueLn 12$31.1M
Assets in detailPt X, end of year
CashLn 1$11.6M
SavingsLn 2$1.3M
Cash and savings togetherLn 1–2$12.9M
Land, buildings, equipmentLn 10c$5.7M
Other assetsLn 15$23.8M
Total assetsLn 16$47.5M
LiabilitiesLn 26$24.9M
Net assetsLn 32$22.6M
OperationsPt I, VI
EmployeesI 5197
VolunteersI 6501
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$10.2M$12.9M
Land, buildings, equipmentLn 10c$5.8M$5.7M
Total assetsLn 16$44.8M$47.5M
LiabilitiesLn 26$23.8M$24.9M
Net assetsLn 32$21.0M$22.6M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$1.7M$1.7M
Grants to domestic individualsLn 2$9.6M$9.6M
Pay of current officers, directors and key staffLn 5$355K$319K$35K
Other salaries and wagesLn 7$6.6M$6.3M$262K
Pension plan contributionsLn 8$288K$275K$13K
Other employee benefitsLn 9$2.8M$2.7M$120K
Payroll taxesLn 10$579K$554K$25K
Management feesLn 11a$207K$177K$30K
Legal feesLn 11b$15K$13K$2K
Accounting feesLn 11c$82K$70K$12K
Lobbying feesLn 11d$2K$2K
Other fees for servicesLn 11g$85K$73K$12K
Advertising and promotionLn 12$31K$27K$5K
Office expensesLn 13$274K$270K$4K
Information technologyLn 14$188K$184K$4K
OccupancyLn 16$595K$553K$41K
TravelLn 17$214K$208K$6K
InterestLn 20$388K$388K
Depreciation, depletion and amortizationLn 22$1.7M$1.7M
InsuranceLn 23$255K$218K$37K
Other expenses (24a–d)Ln 24$3.5M$3.5M$35K
All other expensesLn 24e$120K$117K$3K
Total functional expensesLn 25$29.5M$28.9M$647K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $31.1M$29.5M$1.6M$22.6M 990 PDF
FY2024 $24.6M$22.2M$2.3M$21.0M 990 PDF
FY2023 $22.5M$19.7M$2.8M$18.7M 990 PDF
FY2022 $16.3M$15.5M$886K$15.9M 990 PDF
FY2021 $14.8M$14.4M$405K$14.6M 990 PDF
FY2020 $15.5M$14.9M$566K$14.2M 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (4 parts)
Part VIII · Statement of revenue $31,092,071 across 7 lines filed
VIII-1e Government grants$24,508,507
VIII-1f All other contributions, gifts and grants$762,840
VIII-1h Total contributions, gifts and grants$25,271,347
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $5,438,360 · Unrelated business $104,607$5,542,967
VIII-3 Investment incomeExcluded from tax $270,974$270,974
VIII-7 Net gain or loss on sales of assetsExcluded from tax $6,783$6,783
VIII-12 Total revenueRelated to mission $5,438,360 · Unrelated business $104,607 · Excluded from tax $277,757$31,092,071
Part IX · Statement of functional expenses $29,515,718 across 22 lines filed
IX-1 Grants to domestic organizationsPrograms $1,685,069$1,685,069
IX-2 Grants to domestic individualsPrograms $9,561,908$9,561,908
IX-5 Pay of current officers, directors and key staffPrograms $319,234 · Management $35,470$354,704
IX-7 Other salaries and wagesPrograms $6,292,605 · Management $261,929$6,554,534
IX-8 Pension plan contributionsPrograms $275,197 · Management $12,574$287,771
IX-9 Other employee benefitsPrograms $2,691,532 · Management $119,854$2,811,386
IX-10 Payroll taxesPrograms $553,537 · Management $25,292$578,829
IX-11a Management feesPrograms $177,292 · Management $29,996$207,288
IX-11b Legal feesPrograms $13,042 · Management $2,206$15,248
IX-11c Accounting feesPrograms $70,446 · Management $11,919$82,365
IX-11d Lobbying feesManagement $1,727$1,727
IX-11g Other fees for servicesPrograms $72,537 · Management $12,272$84,809
IX-12 Advertising and promotionPrograms $26,808 · Management $4,535$31,343
IX-13 Office expensesPrograms $270,313 · Management $3,586$273,899
IX-14 Information technologyPrograms $184,205 · Management $4,170$188,375
IX-16 OccupancyPrograms $553,372 · Management $41,219$594,591
IX-17 TravelPrograms $208,272 · Management $5,812$214,084
IX-20 InterestPrograms $388,485$388,485
IX-22 Depreciation, depletion and amortizationPrograms $1,717,675$1,717,675
IX-23 InsurancePrograms $218,317 · Management $36,936$255,253
IX-24 Other expenses (24a–d)Programs $3,471,663 · Management $34,534$3,506,197
IX-24e All other expensesPrograms $116,915 · Management $3,263$120,178
IX-25 Total functional expensesPrograms $28,868,424 · Management $647,294 · Fundraising $0$29,515,718
Part X · Balance sheet $47,536,038 assets, 16 lines filed
Asset lines not itemized here account for $1,468,991; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $9,417,250$11,587,548
X-2 Savings and temporary cash investmentsStart of year $745,919$1,342,645
X-3 Pledges and grants receivableStart of year $2,107,834$1,182,484
X-4 Accounts receivableStart of year $2,114,769$2,122,484
X-9 Prepaid expenses and deferred chargesStart of year $261,025$269,880
X-10c Land, buildings and equipment, netStart of year $5,790,197$5,731,784
X-15 Other assetsStart of year $22,510,155$23,830,222
X-16 Total assetsStart of year $44,842,854$47,536,038
X-17 Accounts payable and accrued expensesStart of year $2,830,536$2,803,849
X-19 Deferred revenueStart of year $733,230$916,792
X-25 Other liabilitiesStart of year $404,082$290,094
X-26 Total liabilitiesStart of year $23,805,924$24,922,755
X-27 Net assets without donor restrictionsStart of year $21,036,930$21,314,881
X-28 Net assets with donor restrictionsStart of year $0$1,298,402
X-32 Total net assets or fund balancesStart of year $21,036,930$22,613,283
X-33 Total liabilities and net assetsStart of year $44,842,854$47,536,038
Part XI · Reconciliation of net assets $22,613,283 net assets at year end
XI-1 Total revenue$31,092,071
XI-2 Total expenses$29,515,718
XI-3 Revenue less expenses$1,576,353
XI-4 Net assets at start of year$21,036,930
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$22,613,283

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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