BDM RURAL WATER SYSTEM INC

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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

1981

Legal Domicile

Principal Officer

KEVIN DEUTSCH

Phone

6054485417

Tax Period

2025-01-01 to 2025-12-31

BDM RURAL WATER SYSTEM INC, founded in 1981, is a community nonprofit that reported $3.9M in total revenue in fiscal year 2025. Revenue fell 58% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $666K, a strong 17% operating margin.

Mission

TO PROVIDE CLEAN WATER TO RURAL COMMUNITIES AT AFFORDABLE PRICES

Program Service Accomplishments

Program 1

WATER TREATMENT AND DISTRIBUTION TO OVER 2000 RURAL CUSTOMERS AND TEN SMALL RURAL COMMUNITIES AND NATIVE AMERICAN HOUSING

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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 $3,663,212

Investment Income $113,721

Other Revenue $73,793

TOTAL REVENUE $3,850,726

Expense Breakdown

Grants Paid $0

Salaries & Benefits $710,000

Fundraising Expenses $0

Other Expenses $2,474,565

TOTAL EXPENSES $3,184,565

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,850,726	$9,096,242	-0.6%
Expenses	$3,184,565	$3,041,925	+0.0%
Net Income	$666,161	$6,054,317	-0.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN DEUTSCH	CHAIRMAN	5.00	Officer	$0	$0	$0
ALEX SUTHER	VICE CHAIRMA	2.00	Officer	$0	$0	$0
HAL TREEBY	SECRETARY/TR	2.00	Officer	$0	$0	$0
TORRE RAAP	DIRECTOR	2.00	Director	$0	$0	$0
MARC O'BRIEN	DIRECTOR	2.00	Director	$0	$0	$0
TERRY LEONHARDT	DIRECTOR	2.00	Director	$0	$0	$0
DON OGREN	DIRECTOR	2.00	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	$3,850,726	$3,184,565	$35,673,227	$666,161
2024	$9,096,242	$3,041,925	$31,245,281	$6,054,317
2023	$3,598,933	$2,955,762	$23,863,966	$643,171
2022	$3,337,382	$3,123,977	$23,645,809	$213,405
2021	$3,479,719	$3,133,178	$23,937,955	$346,541
2020	$3,252,752	$3,001,478	$24,076,976	$251,274
2019	$3,031,385	$3,026,590	$24,594,811	$4,795
2018	$3,125,191	$2,992,950	$22,346,289	$132,241