Religion-Related (X11) IRS Verified DX Registered 990 on File

LIVING RIVER A RETREAT ON THE CAHABA INC

EIN: 26-1568218 · MONTEVALLO, AL 35115-1401 · United States · FY 2023 Data

3 out of 5 54 / 100 Based on 2+ years of filings

Financial strength (30%) 80/100

Reliability (20%) 50/100

Effectiveness (25%) 81/100

Impact (25%) No data yet

Financial data: FY 2023 · Scored 9/13/2026

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CharityAI™ Score

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Mission Statement

Living River lives into its mission of sharing Christ-like hospitality, fostering stewardship of creation, and nourishing faith for the transformation of the world through its faith-based camps and retreats, available retreat space for groups, ongoing maintenance of its land and water, and seeking out professionals and groups of all ages to learn from and teach about the environment.

Financial Overview — FY 2023

$497K

Total Revenue

$651K

Total Expenses

$7.2M

Net Assets

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 88.7%

Fundraising Efficiency N/A

Operating Reserve 132.86x

Liability-to-Asset 2.0%

Revenue Diversification 61.5%

Compared with Peers

FY 2023

Compared with 11,882 similar organizations (United States, Religion-Related, $100K–$1M in expenses), FY 2023.

This organization Middle half of peers (P25–P75) Peer median

Ratio	This org	Peer median	Position (P10 → P90)
Program expense ratio Program expenses / total expenses · higher is better	88.7%	87.2%	P10P90	Above median
Admin expense ratio Management and general / total expenses · lower is better	11.3%	9.0%	P10P90	Below median
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	0.0%	0.0%	P10P90	Top quarter
Operating reserve Months of expenses covered by net assets · higher is better	132.9 mo	7.8 mo	P10P90	Top quarter
Liabilities to assets Total liabilities / total assets · lower is better	2.0%	0.6%	P10P90	Below median
Revenue concentration Share of revenue from the largest source · lower is better	61.5%	99.8%	P10P90	Top quarter
Revenue growth Year over year revenue growth	-10.1%	5.8%	P10P90
Expense growth Year over year expense growth	8.7%	9.5%	P10P90
Surplus margin Surplus as a share of revenue	-31.1%	1.8%	P10P90

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2023	$497K	$651K	$7.2M	88.7%	13
2022	$552K	$599K	$7.4M	88.1%	14
2021	$529K	$555K	N/A	—	12

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Organization Details

EIN: 26-1568218
State: AL
City: MONTEVALLO
ZIP: 35115-1401
Classification: X11
Category: Religion-Related
Rating: 3★
Coverage: A
Last Updated: Aug 2026
IRS Ruling Year: 2007
Foundation Code: 17
Form 990: On File

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CharityAI™ rates charities from 0 to 100 using public filings (IRS Form 990 and the equivalent registries outside the US) together with the information the charity itself provides on DonationX. Ratings are recalculated every quarter, without human bias, and shown as stars.

Four pillars

Financial strength30%

Program expense ratio, fundraising efficiency, operating reserves, liabilities and revenue diversification, compared with similar organizations.

Reliability20%

Standing with the registry, filing history, verification and how complete the profile is.

Effectiveness25%

How much goes to programs and how consistently the organization delivers them.

Impact25%

The outcomes the charity reports on DonationX: people served, cost per service and results.

Stars

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