Pemaquid Watershed Association

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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

1966

Legal Domicile

Principal Officer

Steven Hufnagel

Phone

2075631393

Tax Period

2018-04-01 to 2019-03-31

Pemaquid Watershed Association, founded in 1966, is a small nonprofit that reported $298K in total revenue in fiscal year 2018. The organization ran a surplus of $148K, a strong 50% operating margin.

Mission

Pemaquid Water Association's mission is to conserve the natural resources of the Pemaquid Peninsula through land and water stewardship and education.

Program Service Accomplishments

Program 1

Expenses: $4,006 Revenue: $0

Education - The Organization produces workshops and newsletters for the general public for the conservation of land and protecting the environment.

Program 2

Expenses: $10,483 Revenue: $1,200

Land stewardship - The Organization provides the public with volunteer help to prepare land for the public, help to hold in trust land held for the public, and help the public create easement on...

Land stewardship - The Organization provides the public with volunteer help to prepare land for the public, help to hold in trust land held for the public, and help the public create easement on properties.

Program 3

Expenses: $84,626 Revenue: $10,815

Land development - The Organization helps the general public to protect the land.

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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 (2018)

Revenue Breakdown

Contributions & Grants $275,686

Program Service Revenue $12,015

Investment Income $1,652

Other Revenue $8,303

TOTAL REVENUE $297,656

Expense Breakdown

Grants Paid $0

Salaries & Benefits $88,835

Fundraising Expenses $13,416

Program Expenses $99,115

Other Expenses $60,432

TOTAL EXPENSES $149,267

Year-over-Year Comparison

	2018	2017	Change
Revenue	$297,656	$310,666	0.0%
Expenses	$149,267	$179,405	-0.2%
Net Income	$148,389	$131,261	+0.1%

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

150

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

$43,102

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
James Hatch	Director	2.00	Director	$0	$0	$0
Sandi Day	President	10.00	Officer Director	$0	$0	$0
William Brewer	Treasurer	2.00	Officer Director	$0	$0	$0
Jack Boak	Director	2.00	Director	$0	$0	$0
Joan Panek	Secretary	4.00	Officer Director	$0	$0	$0
George Keyes	Vice President	6.00	Officer Director	$0	$0	$0
Mary Berger	Director	2.00	Director	$0	$0	$0
Tamara Stock	Director	2.00	Director	$0	$0	$0
Chris Roberts	Director	2.00	Director	$0	$0	$0
Hylie West	Director	2.00	Director	$0	$0	$0
Michael Kane	Director	2.00	Director	$0	$0	$0
Tom Kronenberger	Director	2.00	Director	$0	$0	$0
Jenn Hicks	Executive Director	40.00	Officer	$41,432	$1,670	$43,102

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
2019	$297,656	$149,267	No data	$148,389
2018	$310,666	$179,405	$2,773,998	$131,261