RURAL BARDWELL WATER SUPPLY CORP (EIN 237198441) - 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

1972

Legal Domicile

Principal Officer

GARY FARMER

Phone

9726465324

Tax Period

2025-01-01 to 2025-12-31

RURAL BARDWELL WATER SUPPLY CORP, founded in 1972, is a small nonprofit that reported $731K in total revenue in fiscal year 2025. Revenue decreased 10% compared to the prior year. Expenses of $823K exceeded revenue, resulting in a 13% operating deficit.

Mission

SUPPLYING POTABLE WATER TO ABOUT 240 FAMILIES AROUND THE RURAL BARDWELL AREA.

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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 $720,963

Investment Income $10,425

Other Revenue $0

TOTAL REVENUE $731,388

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $822,828

TOTAL EXPENSES $822,828

Year-over-Year Comparison

	2025	2024	Change
Revenue	$731,388	$815,356	-0.1%
Expenses	$822,828	$813,500	+0.0%
Net Income	$-91,440	$1,856	-50.3%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL ANTHONY	SECRETARY	N/A	Officer Director	$0	$0	$0
MEREDITH DEBORDE	DIRECTOR	N/A	Director	$0	$0	$0
GARY FARMER	PRESIDENT	N/A	Officer Director	$0	$0	$0
LES GERRON	TREASURER	N/A	Officer Director	$0	$0	$0
JAROD HAMM	DIRECTOR	N/A	Director	$0	$0	$0
JUSTIN MCGAHAN	DIRECTOR	N/A	Director	$0	$0	$0
JOSH NEWMAN	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
JOHN SLOVAK	DIRECTOR	N/A	Director	$0	$0	$0
DAVID ZHANEL	DIRECTOR	N/A	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	$731,388	$822,828	$1,117,456	$-91,440
2024	$815,356	$813,500	$1,220,299	$1,856
2023	$663,572	$467,024	$1,246,731	$196,548
2022	$628,051	$432,498	$954,966	$195,553
2021	$483,283	$409,899	$764,847	$73,384
2020	$460,146	$389,558	$670,868	$70,588
2019	$388,509	$376,881	$687,714	$11,628

RURAL BARDWELL WATER SUPPLY CORP