WHITE CLAY 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

1965

Legal Domicile

Phone

3023839925

Tax Period

2024-10-01 to 2025-09-30

WHITE CLAY WATERSHED ASSOCIATION, founded in 1965, is a small nonprofit that reported $389K in total revenue in fiscal year 2024. Revenue surged 53% from the prior year, signaling strong growth momentum.

Mission

Watershed Education and Protection for the White Clay Creek and its Tributaries.

Program Service Accomplishments

Program 1

Expenses: $180,765

WATER QUALITY IMPROVEMENT PROJECTS:Water quality improvement project administration, planning, and implementation. Outputs include restoration planning, research and implementation, land stewardship...

Program 2

Expenses: $44,856

CATCH THE RAIN: Continued work on the Catch the Rain program, a green stormwater infrastructure rebate program for residential property owners in the White Clay watershed. This fiscal year generated 36 site visits and reports, and awarded 12 residential rebates totaling $18,674.82 for conservation landscaping, rain barrels, rain gardens, and tree planting practices. This program also includes quarterly workshops and development of educational materials to promote the program and practices. A part time independent contractor helps with program outreach and implementation.

Program 3

Expenses: $27,878

STREAM WATCH:The mission of the Stream Watch program is to increase citizen community engagement in water resource protection and improve knowledge of stream conditions based on measured stream data. Ten fixed sites are monitored monthly for nutrients, chlorides, temperature and conductivity. 30 fixed bacteria sites (20 in PA/10 in DE) are sampled and analyzed for E. coli, fecal coliform, and enterococcus during the recreational season. Data is provided to state regulatory agencies, PADEP and DNREC, every two years.

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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 $388,339

Program Service Revenue $0

Investment Income $272

Other Revenue $107

TOTAL REVENUE $388,718

Expense Breakdown

Grants Paid $96,557

Salaries & Benefits $0

Fundraising Expenses $659

Program Expenses $283,413

Other Expenses $285,999

TOTAL EXPENSES $382,556

Year-over-Year Comparison

	2024	2023	Change
Revenue	$388,718	$254,414	+0.5%
Expenses	$382,556	$264,962	+0.4%
Net Income	$6,162	$-10,548	-1.6%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS ZAWISLAK	President	2.00	Officer Director	$0	$0	$0
CORI TRICE	Vice President	1.00	Officer Director	$0	$0	$0
JENNY EGAN	Treasurer	1.00	Officer Director	$0	$0	$0
ANDREA WITHERS	Secretary	1.00	Officer Director	$0	$0	$0
DOUG JANIEC	Member	1.00	Director	$0	$0	$0
LINDA STAPLEFORD	Member	1.00	Director	$0	$0	$0
MARTHA NARVAEZ	Member	1.00	Director	$0	$0	$0
KATE HUTELMYER	Member	1.00	Director	$0	$0	$0
GARY SCHROADER	Member	1.00	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
2025	$388,718	$382,556	$236,938	$6,162
2024	$254,414	$264,962	$230,776	$-10,548
2023	$410,648	$376,624	$238,418	$34,024
2022	$322,846	$221,779	$204,394	$101,067