LIVING WATERS INTERNATIONAL INC (EIN 391841934) - 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

1996

Legal Domicile

Principal Officer

STEPHEN L ZIMMERMAN

Phone

7156274782

Tax Period

2023-01-01 to 2023-12-31

LIVING WATERS INTERNATIONAL INC, founded in 1996, is a community nonprofit in the Housing & Shelter sector that reported $1.2M in total revenue in fiscal year 2023.

Mission

PROVIDE FINANCIAL SUPPORT TO CHRISTIAN MISSIONARIES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $1,211,258

Program Service Revenue $0

Investment Income $860

Other Revenue $0

TOTAL REVENUE $1,212,118

Expense Breakdown

Grants Paid $1,156,432

Salaries & Benefits $38,697

Fundraising Expenses $8,663

Program Expenses $1,190,275

Other Expenses $22,395

TOTAL EXPENSES $1,217,524

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,212,118	$1,137,511	+0.1%
Expenses	$1,217,524	$1,176,927	+0.0%
Net Income	$-5,406	$-39,416	-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

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

$27,423

Total Directors

$34,885

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHEN L ZIMMERMAN	EXECUTIVE DI	28.00	Officer Director	$23,250	$0	$23,250
ELLIE M PAYANT	DIRECTOR	10.00	Director	$5,497	$0	$5,497
TINA HEUSS	DIRECTOR & S	5.00	Officer Director	$4,173	$0	$4,173
EILEEN A HARTL	DIRECTOR	4.00	Director	$1,965	$0	$1,965
JEFF BRIGMAN	DIRECTOR & T	4.00	Officer Director	$0	$0	$0
ANN ICHINAGA GUSHURST	DIRECTOR & P	1.00	Officer Director	$0	$0	$0
FR JOMON JOSEPH	DIRECTOR	N/A	Director	$0	$0	$0
BRIAN J PRUNTY	DIRECTOR	20.00	Director	$0	$0	$0
KAREN G PRUNTY	DIRECTOR	12.00	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
2024	No data	No data	No data	No data
2023	$1,212,118	$1,217,524	$57,689	$-5,406
2022	$1,137,511	$1,176,927	$63,091	$-39,416
2021	$1,218,461	$1,152,531	$107,442	$65,930
2020	$1,612,426	$1,633,124	$36,417	$-20,698
2019	$963,217	$948,013	$57,114	$15,204
2018	$742,868	$773,911	$42,394	$-31,043

LIVING WATERS INTERNATIONAL INC