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Three Rivers Community Action

Zumbrota, MN · EIN 41-0906178 · 501(c)(3) · Publicly supported organization (170(b)(1)(A)(vi))
Latest filing: Form 990 for calendar year 2025 (tax year 2025) · View the filing · Correct or respond

Three Rivers Community Action reported $31.1 million in revenue and $29.5 million in expenses for calendar year 2025. Of every $100 it spent, $97.81 went to program services, $2.19 to management and general costs and $0.00 to fundraising. Its largest source of revenue was contributions and grants: 81.3% of the total. Government grants made up 78.8%. The highest compensation it reported for one person was $206,244 (EXECUTIVE DIRECTOR). 6 people received more than $100,000 in reportable compensation. Revenue rose 123% between 2019 and 2025. Source: Form 990, 2025.

Where $100 of spending went

Calendar year 2025 · Form 990, Part IX, line 25 · total expenses $30M

For context, the median across 2,433 covered unclassified charities: $88.27 programs, $11.68 management, $0.05 fundraising (medians computed separately, so they may not sum to $100).

Where $100 of revenue came from

Calendar year 2025 · Form 990, Part VIII · total revenue $31M

The 990 scorecard · same measures for every charity, no grades

2025 filing. Median across 2,433 covered charities in this category, from their latest filings.
Measure2025Median
Program services
Part IX 25(B) ÷ 25(A)
97.8%86.7%
Management & general
Part IX 25(C) ÷ 25(A)
2.2%11.5%
Fundraising
Part IX 25(D) ÷ 25(A)
0.0%0.0%
Fundraising cost per $1 of contributions
Part IX 25(D) ÷ Part VIII 1h
$0.00$0.01
Contributions & grants share of revenue
Part VIII 1h ÷ 12
81.3%29.9%
Government grants share of revenue
Part VIII 1e ÷ 12
78.8%3.8%
Program service revenue share
Part VIII 2g ÷ 12
17.8%58.9%
Highest reported compensation
Part VII-A, columns D–F
$206,244$301,601
Highest compensation as share of expenses
Part VII-A ÷ Part IX 25(A)
0.70%1.38%
People paid over $100,000
Part VII, line 2
66
Net assets, in months of expenses
Part X 33(B) ÷ monthly expenses
9.26.8
Independent voting board members
Part VI 1a–1b
15 of 15100.0%

A median is context, not a target: hospitals, universities, food banks and grantmakers spend in very different ways. What these measures can and can't tell you.

What the money paid for, in its own words

2025 · Form 990, Part III · the three largest programs by expense
$14M expenses · 49.8% of program spending · grants $11M · revenue $420K

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…

$5.4M expenses · 18.8% of program spending · revenue $76,573

Transportation: provided 168,535 public transit rides and provided 1,948 volunteer rides

$5.0M expenses · 17.3% of program spending · revenue $1.4M

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

$4.1M all other programs (line 4d)

Highest reported compensation

2025 · Form 990, Part VII, Section A · roles as filed; names are in the filing, not here
RoleFrom this orgFrom related orgsOtherTotal
EXECUTIVE DIRECTOR
Officer, 40.00 hrs/week
$179,822$0$26,422$206,244
CONTROLLER
Officer, 40.00 hrs/week
$104,364$0$44,096$148,460
HOUSING AND HOMEOWNERSHIP DIRECTOR
Highest compensated employee, 40.00 hrs/week
$110,337$0$6,648$116,985
DIRECTOR OF COMMUNITY SUPPORTS
Highest compensated employee, 40.00 hrs/week
$102,469$0$11,878$114,347
HOUSING DEVELOPMENT OFFICER
Highest compensated employee, 40.00 hrs/week
$104,875$0$8,224$113,099
HUMAN RESOURCES DIRECTOR
Highest compensated employee, 40.00 hrs/week
$102,885$0$6,585$109,470

6 people received more than $100,000 in reportable compensation from Three Rivers Community Action (Part VII, line 2). Compensation of current officers, directors and key employees totaled $355K (Part IX, line 5).

7 years of filings

Form 990, Parts I, VII, IX and X · each row is that year's own filing, linked
RevenueExpenses
$0$10M$20M$30M$40M2019202020212022202320242025$31M$30M
FilingRevenueExpensesProgramsNet assetsTop pay
2025 ⓘ$31M$30M97.8%$23M$206,244
2024 ⓘ$25M$22M96.1%$21M$200,202
2023 ⓘ$22M$20M96.5%$19M$190,542
2022 ⓘ$16M$15M95.2%$16M$201,065
2021 ⓘ$15M$14M94.7%$15M$177,099
2020 ⓘ$16M$15M95.9%$14M$172,283
2019 ⓘ$14M$12M95.7%$15M$164,271

Governance answers, as filed

2025 · the organization's own yes/no answers; explanations, if any, are in Schedule O of the filing · what each means
  • Voting board members, and how many are independent Part VI, lines 1a–1b15 · 15 independent
  • Audited financial statements Part XII 2bYes
  • Conflict-of-interest policy Part VI 12aYes
  • Whistleblower policy Part VI 13Yes
  • Document retention policy Part VI 14Yes
  • Independent process for top executive pay Part VI 15aYes
  • Board given the 990 before filing Part VI 11aYes
  • Family or business ties among insiders Part VI 2No
  • Aware of a significant diversion of assets Part VI 5No
  • Excess benefit transaction with an insider Part IV 25aNo
  • Loans to or from insiders outstanding Part IV 26No
  • Lobbying, or a 501(h) election in effect Part IV 4Yes
  • Over $15,000 of professional fundraising services Part IV 18No
  • Over $10,000 of activity outside the U.S. Part IV 14bNo
  • Employees Part I, line 5197
  • Volunteers Part I, line 6501

Largest outside contractors

2025 · Form 990, Part VII, Section B · businesses only
MVAC
Direct services - homeless programs
$1,263,002
UNITY TITLE SERVICES
First generation loans - title services
$707,330
TITLESMART INC
First generation loans - title services
$695,940
SEMCAC INC
Meals for seniors & children, homeless s
$694,999
LAND TITLE INC
First generation loans - title services
$624,700

Individuals listed as contractors are left out. 32 contractors were paid more than $100,000 in all.

Private foundation grants it received

3 private foundations reported grants to Three Rivers Community Action totaling $141K on their tax year 2023 Form 990-PF returns. See which foundations, on WHOFUNDS.

Source: WHOFUNDS open grant graph, matched from Form 990-PF Part XV.

Correct a figure or respond

Every number above is copied from Three Rivers Community Action's own Form 990. If one doesn't match the filing, that's our error and we'll fix it. If you work for Three Rivers Community Action, you can publish a response that is linked from this page.

Similar-sized charities in this cause

All unclassified charities · Largest charities in Minnesota

Questions people ask

How much of Three Rivers Community Action's spending goes to programs?

In calendar year 2025, Three Rivers Community Action reported that 97.8% of its $29.5 million in expenses went to program services, 2.2% to management and general and 0.0% to fundraising (Form 990, Part IX).

How much does Three Rivers Community Action pay its top executive?

The largest total compensation Three Rivers Community Action reported for one person in calendar year 2025 was $206,244, for the role of EXECUTIVE DIRECTOR (Form 990, Part VII, including compensation from related organizations and other compensation).

Where does Three Rivers Community Action get its money?

Of $31.1 million in revenue in calendar year 2025, 81.3% came from contributions and grants (including 78.8% from government grants) and 17.8% from program service revenue (Form 990, Part VIII).

Is Three Rivers Community Action a registered charity?

The IRS lists EIN 41-0906178 as a 501(c)(3) organization (publicly supported organization (170(b)(1)(a)(vi))), and its records show contributions as tax-deductible. Form 990 filings on record here cover tax years 2019, 2020, 2021, 2022, 2023, 2024, 2025. A filing shows what the organization reported; it doesn't by itself show whether a program works.

Sources

  • 2025: Form 990 for calendar year 2025, object 202611749349300041 · read the filing · XML
  • 2024: Form 990 for calendar year 2024, object 202512489349300101 · read the filing
  • 2023: Form 990 for calendar year 2023, object 202431849349301203 · read the filing
  • 2022: Form 990 for calendar year 2022, object 202321649349300232 · read the filing
  • 2021: Form 990 for calendar year 2021, object 202241949349300614 · read the filing
  • 2020: Form 990 for calendar year 2020, object 202101449349301105 · read the filing
  • 2019: Form 990 for calendar year 2019, object 202011549349300526 · read the filing

All filings for EIN 41-0906178: ProPublica Nonprofit Explorer · IRS Tax Exempt Organization Search. Figures are as the organization reported them; we have not audited them.