Nonprofit · EIN 20-2091947
FIVE RIVERS LOAN FUND INC
Tax-exempt · HAPPY CAMP, CA 96039
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| September 30, 2025 | 990 | $516,142 | $235,274 | $280,868 | $1,713,478 | $378,985 | $1,334,493 |
| September 30, 2024 | 990 | $103,354 | $181,776 | -$78,422 | $1,431,024 | $377,399 | $1,053,625 |
| September 30, 2023 | 990 | $179,659 | $139,159 | $40,500 | $1,408,531 | $276,484 | $1,132,047 |
Financial details: 990 for the year ended September 30, 2025
Revenue
- Contributions, gifts and grants
- $422,112
- of which government grants
- $377,612
- Program service revenue
- $11,355
- Investment income
- $81,133
- Other revenue
- $1,542
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $81,808
- Other salaries and wages
- $44,436
- Salaries, compensation and benefits (total)
- $148,048
- Professional fundraising fees
- $0
- Legal fees
- $295
- Accounting fees
- $9,300
- Occupancy
- $12,151
- Travel
- $15,357
- Program services (functional)
- $140,551
- Management and general (functional)
- $94,723
Balance sheet and other
- Total assets, start of year
- $1,431,024
- Total assets, end of year
- $1,713,478
- Total liabilities, end of year
- $378,985
- Net assets, end of year
- $1,334,493
- Net assets without donor restrictions
- $1,334,493
- Gross receipts
- $516,142
- Employees
- 2
- Year formed
- 2004
- State of legal domicile
- CA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended September 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| TERESA BOARDMAN | EXECUTIVE DIRECTOR Key employee | 40 | $81,808 |
| GARY BURNETT | CHAIRPERSON Trustee or director, Officer | 1 | $0 |
| NATHAN TIRATERRA | CHAIRPERSON Trustee or director, Officer | 1 | $0 |
| TANYA BUSBY | SECRETARY Trustee or director, Officer | 1 | $0 |
| JOHN DAVIS | MEMBER Trustee or director | 1 | $0 |
| REX HARRISON | MEMBER Trustee or director | 1 | $0 |
| DARLA MEADOR | TREASURER Trustee or director, Officer | 1 | $0 |
990 for the year ended September 30, 2024: 8 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| TERESA BOARDMAN | EXECUTIVE DIRECTOR Officer | 40 | $64,242 |
| DORCAS HARRISON | VICE CHAIRPERSON Trustee or director | 1 | $0 |
| REX HARRISON | MEMBER Trustee or director | 1 | $0 |
| JOHN DAVIS | MEMBER Trustee or director | 1 | $0 |
| GARY BURNETT | CHAIRPERSON Trustee or director, Officer | 1 | $0 |
| DARLA MEADOR | TREASURER Trustee or director, Officer | 0 | $0 |
| TANYA BUSBY | SECRETARY Trustee or director, Officer | 1 | $0 |
| NATHAN TIRATERRA | CHAIRPERSON Trustee or director, Officer | 1 | $0 |
990 for the year ended September 30, 2023: 8 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| TERESA BOARDMAN | EXECUTIVE DIRECTOR Officer | 40 | $65,000 |
| DORCAS HARRISON | MEMBER Trustee or director | 1 | $0 |
| PEDRO TORRES | MEMBER Trustee or director | 1 | $0 |
| NATHAN TIRATERRA | MEMBER Trustee or director | 0 | $0 |
| DAN EFFMAN | MEMBER Trustee or director | 1 | $0 |
| GARY BURNETT | VICE CHAIRMAN Trustee or director, Officer | 1 | $0 |
| KAREN DERRY | CHAIRPERSON Trustee or director, Officer | 1 | $0 |
| YUKON SAKOTA | SECRETARY Trustee or director, Officer | 1 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 805, HAPPY CAMP, CA 96039-0805
- In care of
- % TERESA BOARDMAN
- Signed the 990
- TERESA BOARDMAN, EXECUTIVE DIRECTOR
- Phone
- (530) 842-7050
- Return prepared by
- Anne McCaleb CPA PC
California records
California keeps its own records of charities and corporations. Search them by EIN 20-2091947 or by the name FIVE RIVERS LOAN FUND INC.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
Mission
PROVIDING SUPPORT THROUGH LOANS THAT EMPOWER OUR UNDERSERVED PUBLIC.
Program accomplishments
- TO PROVIDE UNDERPRIVILEGED INDIVIDUALS IN OUR AREA WITH LOANS TO FOSTER ECONOMIC HEALTH, SELF-SUFFICIENCY, AND QUALITY OF LIFE.Expenses $140,551
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in September, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | September 30, 2026 | February 15, 2027 | Not due yet |
| 2024 | September 30, 2025 | February 16, 2026 | 990 on file |
| 2023 | September 30, 2024 | February 17, 2025 | 990 on file |
IRS record
- EIN
- 20-2091947
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 2008
- Accounting year ends
- September
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Housing and shelter (L82)
- Assets (IRS master file)
- $1,713,478
- Income (IRS master file)
- $516,142
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | September 2025 | $516,142 | $235,274 | $1,713,478 | XML |
| 990 | September 2024 | $103,354 | $181,776 | $1,431,024 | XML |
| 990 | September 2023 | $179,659 | $139,159 | $1,408,531 | XML |
| 990 | September 2022 | $68,813 | $142,220 | $1,359,560 | IRS |
| 990 | September 2021 | – | – | – | IRS |
| 990 | September 2020 | – | – | – | IRS |
| 990 | September 2019 | – | – | – | IRS |
| 990 | September 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 20-2091947).
Questions about FIVE RIVERS LOAN FUND INC
- What is the EIN of FIVE RIVERS LOAN FUND INC?
- The employer identification number (EIN) of FIVE RIVERS LOAN FUND INC is 20-2091947.
- Is FIVE RIVERS LOAN FUND INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2008.
- Are donations to FIVE RIVERS LOAN FUND INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does FIVE RIVERS LOAN FUND INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of FIVE RIVERS LOAN FUND INC due?
- The return for tax year 2025 (the year ending September 30, 2026) is due February 15, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did FIVE RIVERS LOAN FUND INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended September 2025.
- Who are the officers and directors of FIVE RIVERS LOAN FUND INC?
- The 990 for the year ended September 30, 2025 lists 7 people; 1 received compensation from the organization, the highest $81,808 (TERESA BOARDMAN, EXECUTIVE DIRECTOR).
- How much revenue does FIVE RIVERS LOAN FUND INC have?
- On its 990 for the year ended September 30, 2025 it reported revenue of $516,142, expenses of $235,274 and total assets of $1,713,478 at year end.
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All nonprofits in HAPPY CAMP · California · Housing and shelter