Concordia Water Cooperative NFP (EIN 264572580) - 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

2009

Legal Domicile

Principal Officer

Chuck Wild

Phone

6187911430

Tax Period

2021-01-01 to 2021-06-30

Concordia Water Cooperative NFP, founded in 2009, is a micro nonprofit that reported $28K in total revenue in fiscal year 2021. Revenue fell 80% from the prior year — a significant decline worth monitoring. Expenses of $84K exceeded revenue, resulting in a 197% operating deficit.

Mission

Provide potable water to customers Dissolved on June 30, 2021

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $0

Other Revenue $28,261

TOTAL REVENUE $28,261

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $83,893

TOTAL EXPENSES $83,893

Year-over-Year Comparison

	2021	2020	Change
Revenue	$28,261	$142,327	-0.8%
Expenses	$83,893	$212,955	-0.6%
Net Income	$-55,632	$-70,628	-0.2%

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	Role	Reportable Comp	Other Comp	Total
Sherman Woy Chairman	220 Imbs Station Rd, Millstadt, IL 62260	Officer	$0	$0	$0
Chuck Wild Vice ChairmanTreasurer	3430 Wildview Way, Belleville, IL 62223	Officer	$0	$0	$0
Missy Schaffer Secretary	2700 Mullins Road, Millstadt, IL 62260	Officer	$0	$0	$0
Don Lehman	424 Pecan Ln, Belleville, IL 62223	Director	$0	$0	$0
Larry Eckert	951 South Green Mount Road, Belleville, IL 62220	Director	$0	$0	$0
Allen Scharf	8132 State Route 163, Millstadt, IL 62260	Director	$0	$0	$0
Karen Mueller	2717 Otten Road, Millstadt, IL 62260	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
2021	$28,261	$83,893	No data	$-55,632
2020	$142,327	$212,955	$2,737,589	$-70,628
2019	$259,503	$218,243	$2,833,617	$41,260

Concordia Water Cooperative NFP