WOODS & WATER CHRISTIAN RETREAT INC (EIN 341009148) - 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

1961

Legal Domicile

Principal Officer

JOHN KURTZ JR

Phone

4199383441

Tax Period

2024-11-01 to 2025-10-31

WOODS & WATER CHRISTIAN RETREAT INC, founded in 1961, is a small nonprofit in the Recreation & Sports sector that reported $306K in total revenue in fiscal year 2024. Net assets of $744K represent 29 months of operating reserves.

Mission

CAMPING FACILITIES ARE USED BY VARIOUS RELIGIOUS ORGANIZATIONS AND CHURCHES TO PROMOTE A SPIRITUAL ATMOSPHERE

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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 $15,687

Program Service Revenue $240,883

Investment Income $181

Other Revenue $48,878

TOTAL REVENUE $305,629

Expense Breakdown

Grants Paid $0

Salaries & Benefits $154,433

Fundraising Expenses $0

Program Expenses $277,083

Other Expenses $179,902

TOTAL EXPENSES $334,335

Year-over-Year Comparison

	2024	2023	Change
Revenue	$305,629	$293,911	+0.0%
Expenses	$334,335	$290,040	+0.2%
Net Income	$-28,706	$3,871	-8.4%

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

$64,077

Total Directors

$14,554

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN KURTZ JR	EXECUTIVE DI	40.00	Officer	$64,077	$0	$64,077
JOHN KURTZ III	TRUSTEE	20.00	Director	$14,554	$0	$14,554
CRAIG CLEVER	CHAIRMAN	1.00	Officer Director	$0	$0	$0
SCOTT MCCLELLAND	TREASURER	1.00	Officer Director	$0	$0	$0
AARON YOUNG	SECRETARY	1.00	Officer 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	$305,629	$334,335	$745,202	$-28,706
2024	$293,911	$290,040	$775,379	$3,871
2023	$211,428	$277,524	$771,195	$-66,096
2022	$221,214	$252,062	$837,335	$-30,848
2021	$255,530	$252,564	$866,448	$2,966
2021	$255,530	$252,564	$866,448	$2,966
2020	$465,937	$270,958	$864,392	$194,979
2019	$239,568	$247,987	$786,800	$-8,419
2018	$249,666	$225,402	$839,214	$24,264

WOODS & WATER CHRISTIAN RETREAT INC