NORTHWEST ONSLOW WATER ASSOCIATION (EIN 237087789) - 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

1969

Legal Domicile

Principal Officer

JEROME SHAW

Phone

9103242221

Tax Period

2025-01-01 to 2025-12-31

NORTHWEST ONSLOW WATER ASSOCIATION, founded in 1969, is a small nonprofit that reported $464K in total revenue in fiscal year 2025. The organization ran a surplus of $110K, a strong 24% operating margin.

Mission

RURAL COMMUNITY WATER SERVICE

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $456,905

Investment Income $6,887

Other Revenue $0

TOTAL REVENUE $463,792

Expense Breakdown

Grants Paid $0

Salaries & Benefits $59,554

Fundraising Expenses $0

Other Expenses $294,078

TOTAL EXPENSES $353,632

Year-over-Year Comparison

	2025	2024	Change
Revenue	$463,792	$430,176	+0.1%
Expenses	$353,632	$309,304	+0.1%
Net Income	$110,160	$120,872	-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

N/A

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

$61,031

Total Directors

$6,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEROME SHAW	PRESIDENT	2.00	Officer Director	$6,000	$0	$6,000
BILL HAVENSKI	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
TIM HUFFMAN	TREASURER	2.00	Officer Director	$0	$0	$0
JOHNNY THOMAS	DIRECTOR	2.00	Director	$0	$0	$0
BOB WOODARD	DIRECTOR	2.00	Director	$0	$0	$0
CORY MOHN	DIRECTOR	2.00	Director	$0	$0	$0
SANDRA SHAW	SECRETARY	25.00	Officer	$13,631	$0	$13,631
REBECCA ALLEN	SECRETARY	25.00	Officer	$20,430	$0	$20,430
DIANE THOMAS	SECRETARY	25.00	Officer	$20,970	$0	$20,970

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
2025	$463,792	$353,632	$1,566,084	$110,160
2024	$430,176	$309,304	$1,434,215	$120,872
2023	$393,399	$304,332	$1,305,920	$89,067
2022	$287,283	$295,988	$1,225,139	$-8,705
2021	$273,194	$284,216	$1,244,627	$-11,022
2020	$272,494	$242,171	$1,284,218	$30,323
2019	$263,683	$235,607	$1,293,270	$28,076
2018	$245,481	$234,704	$1,301,575	$10,777

NORTHWEST ONSLOW WATER ASSOCIATION