Vermont Rural Water Association (EIN 030282848) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1982

Legal Domicile

Principal Officer

Elizabeth J Royer

Phone

8026604988

Tax Period

2024-01-01 to 2024-12-31

Vermont Rural Water Association, founded in 1982, is a community nonprofit in the Public & Societal Benefit sector that reported $1.5M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $1.4M left a modest 7% surplus.

Mission

The Organization assists nearly 300 public water and wastewater system operators in Vermont in protecting public health and the environment, and in complying with applicable federal laws and regulations

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $1,349,153

Program Service Revenue $0

Investment Income $18,004

Other Revenue $175,481

TOTAL REVENUE $1,542,638

Expense Breakdown

Grants Paid $0

Salaries & Benefits $956,930

Fundraising Expenses $0

Program Expenses $1,440,198

Other Expenses $483,268

TOTAL EXPENSES $1,440,198

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,542,638	$1,409,501	+0.1%
Expenses	$1,440,198	$1,335,443	+0.1%
Net Income	$102,440	$74,058	+0.4%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$100,313

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Elizabeth Royer	Executive Director	040.00	Officer	$79,909	$0	$100,313
Margaret Dwyer	President	001.00	Officer Director	$0	$0	$0
John Lazelle	Vice President	001.00	Officer Director	$0	$0	$0
Jon Thornton	Sec.-Treasurer	001.00	Officer Director	$0	$0	$0
April Busfield	Director	001.00	Director	$0	$0	$0
Ray Counter	Director	001.00	Director	$0	$0	$0
Rod Lamothe Left in 2024	Director	001.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$1,542,638	$1,440,198	$1,028,338	$102,440
2023	$1,409,501	$1,335,443	$941,203	$74,058
2022	$1,233,045	$1,161,084	$888,243	$71,961
2021	$1,194,241	$1,165,467	$644,276	$28,774
2020	$1,022,370	$998,018	$633,076	$24,352
2019	$925,548	$892,233	$617,184	$33,315
2018	$945,032	$941,602	$587,561	$3,430

Vermont Rural Water Association