Skip to content
ProPublica Donate
ProPublica Donate

Five Rivers Loan Fund Inc

  • Happy Camp, CA
  • Tax-exempt since Jan. 2008
  • EIN: 20-2091947

Organization summary

Type of Nonprofit

Designated as a Organizations for any of the following purposes: religious, educational, charitable, scientific, literary, testing for public safety, fostering national or international amateur sports competition (as long as it doesn't provide athletic facilities or equipment), or the prevention of cruelty to children or animals.

Category: Housing, Shelter / Housing Expense Reduction Support (NTEE)

Donations to this organization are tax deductible.

Summary charts: organization finances over time

Revenue
$103k (2024)

Expenses
$182k (2024)

Total Assets
$1.43M (2024)

Total Liabilities
$377k (2024)

Source: Form 990 tax filings from 2011 to 2024

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Sept.
2024

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$103,354
Expenses
$181,776
Net Income
-$78,422
Net Assets
$1,053,625
Notable Sources of Revenue Percent of Total Revenue
Contributions $20,000
19.4%
Program Services $6,977
6.8%
Investment Income $76,377
73.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $64,242
35.3%
Professional Fundraising Fees $0
Other Salaries and Wages $26,145
14.4%
Assets/Debt
Total Assets $1,431,024
Total Liabilities $377,399
Net Assets $1,053,625
Compensation
Key Employees and Officers Compensation Related Other
Teresa Boardman (Executive Director) $64,242 $0 $0
Dorcas Harrison (Vice Chairperson) $0 $0 $0
Rex Harrison (Member) $0 $0 $0
John Davis (Member) $0 $0 $0
Gary Burnett (Chairperson) $0 $0 $0
Darla Meador (Treasurer) $0 $0 $0
Tanya Busby (Secretary) $0 $0 $0
Nathan Tiraterra (Chairperson) $0 $0 $0
+ View more people

Document Links

990
Filed on Dec. 23, 2024

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Sept.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$179,659
Expenses
$139,159
Net Income
$40,500
Net Assets
$1,132,047
Notable Sources of Revenue Percent of Total Revenue
Contributions $100,416
55.9%
Program Services $9,623
5.4%
Investment Income $69,620
38.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $65,000
46.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,489
1.1%
Assets/Debt
Total Assets $1,408,531
Total Liabilities $276,484
Net Assets $1,132,047
Compensation
Key Employees and Officers Compensation Related Other
Teresa Boardman (Executive Director) $65,000 $0 $0
Dorcas Harrison (Member) $0 $0 $0
Pedro Torres (Member) $0 $0 $0
Nathan Tiraterra (Member) $0 $0 $0
Dan Effman (Member) $0 $0 $0
Gary Burnett (Vice Chairman) $0 $0 $0
Karen Derry (Chairperson) $0 $0 $0
Yukon Sakota (Secretary) $0 $0 $0
+ View more people

Document Links

990
Filed on Feb. 2, 2024

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$68,813
Expenses
$142,220
Net Income
-$73,407
Net Assets
$1,127,552
Notable Sources of Revenue Percent of Total Revenue
Contributions $2,632
3.8%
Program Services $5,711
8.3%
Investment Income $60,470
87.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $90,294
63.5%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $1,359,560
Total Liabilities $232,008
Net Assets $1,127,552
Compensation
Key Employees and Officers Compensation Related Other
W Beth Buchanan (Executive Dir.) $54,702 $0 $0
Gary Burnett (Vice Chairman) $0 $0 $0
Karen Derry (Chairman) $0 $0 $0
Yukon Sakota (Secretary) $0 $0 $0
Dan Effman (Member) $0 $0 $0
Dorcus Harrison (Member) $0 $0 $0
Gary King (Treasurer) $0 $0 $0
Teresa Boardman (Executive Dir.) $0 $0 $0
+ View more people

Document Links

990
Filed on June 8, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$158,853
Expenses
$198,487
Net Income
-$39,634
Net Assets
$1,200,664
Notable Sources of Revenue Percent of Total Revenue
Contributions $100,940
63.5%
Program Services $3,984
2.5%
Investment Income $53,929
33.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $53,045
26.7%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $1,465,568
Total Liabilities $264,904
Net Assets $1,200,664
Compensation
Key Employees and Officers Compensation Related Other
W Beth Buchanan (Executive Dir.) $52,981 $0 $0
Gary Burnett (Vice Chairman) $0 $0 $0
Karen Derry (Chairman) $0 $0 $0
Yukon Sakota (Secretary) $0 $0 $0
Dan Effman (Member) $0 $0 $0
Dorcus Harrison (Member) $0 $0 $0
Gary King (Treasurer) $0 $0 $0
+ View more people

Document Links

990
Filed on Jan. 27, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$70,961
Expenses
$103,245
Net Income
-$32,284
Net Assets
$1,240,298
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,502
6.3%
Investment Income $66,459
93.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $52,594
50.9%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $1,485,059
Total Liabilities $244,761
Net Assets $1,240,298
Compensation
Key Employees and Officers Compensation Related Other
W Beth Buchanan (Executive Dir.) $52,594 $0 $0
Gary Burnett (Vice Chairman) $0 $0 $0
Karen Derry (Chairman) $0 $0 $0
Yukon Sakota (Secretary) $0 $0 $0
Dan Effman (Member) $0 $0 $0
Dorcus Harrison (Member) $0 $0 $0
Gary King (Treasurer) $0 $0 $0
+ View more people

Document Links

990
Filed on Jan. 27, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$83,164
Expenses
$118,113
Net Income
-$34,949
Net Assets
$1,270,444
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,158
7.4%
Investment Income $77,006
92.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $51,500
43.6%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $1,519,691
Total Liabilities $249,247
Net Assets $1,270,444
Compensation
Key Employees and Officers Compensation Related Other
W Beth Buchanan (Executive Dir.) $51,500 $0 $17,102
Gary Burnett (Vice Chairman) $0 $0 $0
Karen Derry (Chariman) $0 $0 $0
Yukon Sakota (Secretary) $0 $0 $0
Dan Effman (Director) $0 $0 $0
Dorcas Harrison (Director) $0 $0 $0
Gary King (Treasurer) $0 $0 $0
+ View more people

Document Links

990
Filed on Jan. 13, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$90,948
Expenses
$110,542
Net Income
-$19,594
Net Assets
$1,305,393
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,152
4.6%
Investment Income $86,796
95.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $51,187
46.3%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $1,673,554
Total Liabilities $368,161
Net Assets $1,305,393
Compensation
Key Employees and Officers Compensation Related Other
W Beth Buchanan (Executive Dir.) $50,062 $0 $14,505
Elsa Goodwin (President) $0 $0 $0
Karen Derry (Vice President) $0 $0 $0
Sheila Super (Fmr Secretary) $0 $0 $0
Tina Decoux (Frm Treasurer) $0 $0 $0
Ellen Johnson (Director) $0 $0 $0
Rick Hill (Director) $0 $0 $0
Gary King (Director) $0 $0 $0
Judy Waddell (Fmr Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Aug. 15, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$85,929
Expenses
$120,887
Net Income
-$34,958
Net Assets
$1,555,703
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,857
5.7%
Investment Income $81,062
94.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $10
0.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $50,000
41.4%
Assets/Debt
Total Assets $1,706,588
Total Liabilities $150,885
Net Assets $1,555,703

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$95,420
Expenses
$139,720
Net Income
-$44,300
Net Assets
$1,590,661
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,101
5.3%
Investment Income $90,139
94.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $180
0.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $58,354
41.8%
Assets/Debt
Total Assets $1,736,981
Total Liabilities $146,320
Net Assets $1,590,661
Compensation
Key Employees and Officers Compensation Related Other
Rich Hill (Director) $0 $0 $0
Beth Buchanan (Executive Dir.) $0 $0 $0
Judy Waddell (Director) $0 $0 $0
Ellen Johnson (Director) $0 $0 $0
Karen Derry (President) $0 $0 $0
Elsa Goodwin (Vice President) $0 $0 $0
Shelia Super (Secretary) $0 $0 $0
Tina De Coux (Treasurer) $0 $0 $0
+ View more people

Document Links

990
Filed on Feb. 9, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$365,536
Expenses
$206,872
Net Income
$158,664
Net Assets
$1,654,036
Notable Sources of Revenue Percent of Total Revenue
Contributions $279,270
76.4%
Program Services $9,314
2.5%
Investment Income $76,952
21.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $129,547
62.6%
Assets/Debt
Total Assets $1,916,195
Total Liabilities $262,159
Net Assets $1,654,036
Compensation
Key Employees and Officers Compensation Related Other
Jim Cook (President) $0 $0 $0
Ellen Johnson (Director) $0 $0 $0
Rich Hill (Director) $0 $0 $0
Shelia Super (Secretary) $0 $0 $0
Elsa Goodwin (Vice President) $0 $0 $0
James L Berry (Treasurer) $0 $0 $0
+ View more people

Document Links

990
Filed on Aug. 15, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML
PDF (2 of 2)

Fiscal Year Ending Sept.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$808,750
Expenses
$173,520
Net Income
$635,230
Net Assets
$2,070,231
Notable Sources of Revenue Percent of Total Revenue
Contributions $750,000
92.7%
Program Services $17,300
2.1%
Investment Income $41,450
5.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $105,888
61.0%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $2,070,231
Total Liabilities $0
Net Assets $2,070,231
Compensation
Key Employees and Officers Compensation Related Other
Ellen Johnson (Director) $0 $0 $0
Rich Hill (Director) $0 $0 $0
Sheila Super (Director) $0 $0 $0
Jim Cook (President) $0 $0 $0
Daniel Goodwin (Vice President) $0 $0 $0
Elsa Goodwin (Secretary) $0 $0 $0
James L Berry (Treasurer) $0 $0 $0
+ View more people

Document Links

990
Filed on Aug. 18, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Sept.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$818,671
Expenses
$174,810
Net Income
$643,861
Net Assets
$1,435,001
Notable Sources of Revenue Percent of Total Revenue
Contributions $760,000
92.8%
Program Services $17,215
2.1%
Investment Income $41,456
5.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $105,888
60.6%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $1,440,015
Total Liabilities $5,014
Net Assets $1,435,001

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$599,497
Expenses
$144,251
Net Income
$455,246
Net Assets
$826,193
Notable Sources of Revenue Percent of Total Revenue
Contributions $576,923
96.2%
Program Services $3,450
0.6%
Investment Income $19,124
3.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $82,562
57.2%
Professional Fundraising Fees $0
Other Salaries and Wages $2,952
2.0%
Assets/Debt
Total Assets $872,679
Total Liabilities $46,486
Net Assets $826,193

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$38,790
Expenses
$149,749
Net Income
-$110,959
Net Assets
$370,947
Notable Sources of Revenue Percent of Total Revenue
Contributions $22,000
56.7%
Program Services $1,749
4.5%
Investment Income $15,041
38.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $66,397
44.3%
Professional Fundraising Fees $0
Other Salaries and Wages $4,825
3.2%
Assets/Debt
Total Assets $975,665
Total Liabilities $604,718
Net Assets $370,947

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Sept.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

About This Data

What Is This Data?

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

See an issue with the data?

Contact Us

About Nonprofit Explorer

Nonprofit Explorer

Browse millions of annual returns filed by tax-exempt organizations with ProPublica’s Nonprofit Explorer. See details like executive compensation, revenue, expenses and more. Search for an organization or a person, or search the full text of filings.

By Andrea Suozzo, Alec Glassford, Ash Ngu and Brandon Roberts.

Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

Updated