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Three Rivers Community Action Inc

EIN 41-0906178 · Zumbrota, MN

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthGood78 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

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.

Income
$31.1 million
Spending
$29.5 million
Spent on programs
98%
Reserves
6.3 months of spending
Largest source of income
government grants, 79%
Employees
197
Volunteers
501
Highest pay
$206,244, executive director

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Good: 78 out of 100.

  • Reserves

    28 of 35

    Spendable reserves would cover 6.3 months of spending.

  • Debt

    5 of 20

    It owes 52% of what it owns.

  • Living within its means

    15 of 15

    Income exceeded spending by 5% of income.

  • Income trend

    15 of 15

    Income rose 27% on the year before.

  • Spending floor

    15 of 15

    98% of spending went to programs and raising each dollar of donations cost 0 cents.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 100 out of 100.

  • Independent board

    25 of 25

    15 of 15 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (6)
  1. $14.4 million spent. 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 RAMPS; ASSISTED 163 HOMES WITH ENERGY RELATED REPAIRS; ASSISTED 4,767 HOUSEHOLDS WITH ENERGY ASSISTANCE; PROVIDED ENERGY & WATER CRISIS ASSISTANCE TO 1,318 HOMES; PROVIDED HOMELESS PREVENTION AND ASSISTANCE TO 325 HOUSEHOLDS; PROVIDED TRANSITIONAL HOUSING AND RAPID REHOUSING TO 74 HOUSEHOLDS; PROVIDED PERMANENT SUPPORTIVE HOUSING TO 17 HOUSEHOLDS; PROVIDED SNAP FOOD SUPPORT OUTREACH TO 526 HOUSEHOLDS; PROVIDED GENERAL & HOUSING INFORMATION AND REFERRAL, EDUCATION, OUTREACH ACTIVITIES, ADVOCACY INFORMATION TO LOW-INCOME HOUSEHOLDS IN GOODHUE, OLMSTED, RICE AND WABASHA COUNTIES.
  2. $5.4 million spent. TRANSPORTATION: PROVIDED 168,535 PUBLIC TRANSIT RIDES AND PROVIDED 1,948 VOLUNTEER RIDES.
  3. $5.0 million spent. 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. $3.3 million spent. EARLY CHILDHOOD/HEAD START:PROVIDED HEAD START SERVICES TO 259 CHILDREN AND THEIR FAMILIES; PROVIDED EARLY HEAD START HOME VISITING SERVICES TO 49 FAMILIES OF CHILDREN AGED BIRTH TO 3; PROVIDED EARLY CHILDHOOD CHILDCARE SERVICES TO 22 CHILDREN AGED BIRTH TO SCHOOL AGE.
  5. $741,420 spent. OLDER ADULT SERVICES:PROVIDED 43,043 MEALS TO 371 UNDUPLICATED OLDER ADULTS & DISABLED CLIENTS; PROVIDED SERVICES TO 378 OLDER ADULTS & CAREGIVERS.
  6. HOUSING RENTAL: MANAGED 742 AFFORDABLE RENTAL UNITS IN 26 PROPERTIES.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending December 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since August 1966.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.