MISSOURI RURAL WATER ASSOCIATION (EIN 431071770) - 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

1976

Legal Domicile

Principal Officer

HOWARD BAKER

Phone

5736575533

Tax Period

2023-01-01 to 2023-12-31

MISSOURI RURAL WATER ASSOCIATION, founded in 1976, is a community nonprofit that reported $4.0M in total revenue in fiscal year 2023. The organization ran a surplus of $806K, a strong 20% operating margin.

Mission

TO PROVIDE TRAINING, EDUCATION AND TECHNICAL ASSISTANCE TO OPERATORS AND OTHER EMPLOYEES OF SMALL WATER SUPPLIERS AND SEWER DISTRICTS IN MISSOURI.

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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 $1,993,651

Program Service Revenue $1,466,507

Investment Income $153,752

Other Revenue $411,673

TOTAL REVENUE $4,025,583

Expense Breakdown

Grants Paid $6,500

Salaries & Benefits $1,972,280

Fundraising Expenses $0

Program Expenses $1,509,452

Other Expenses $1,240,530

TOTAL EXPENSES $3,219,310

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,025,583	$3,845,813	+0.0%
Expenses	$3,219,310	$3,051,970	+0.1%
Net Income	$806,273	$793,843	+0.0%

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

$210,519

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID WALLER	PRESIDENT	1.00	Officer Director	$0	$0	$0
MELINDA PIPER	SECRETARY	1.00	Officer Director	$0	$0	$0
JANET SEARS	TREASURER	1.00	Officer Director	$0	$0	$0
PAUL MICHAEL SHAW	DIRECTOR	1.00	Director	$0	$0	$0
TAMMIE WINTER	DIRECTOR	1.00	Director	$0	$0	$0
HOWARD BAKER	EXECUTIVE DIRECTOR	40.00	Officer	$86,505	$19,967	$106,472
CRYSTAL COOPER	CHIEF FINANCIAL OFFICER	40.00	Officer	$86,502	$17,545	$104,047

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$4,025,583	$3,219,310	$6,368,863	$806,273
2022	$3,845,813	$3,051,970	$5,364,712	$793,843
2021	$3,401,611	$2,801,236	$4,721,594	$600,375
2020	$2,975,764	$2,610,588	$4,007,442	$365,176

MISSOURI RURAL WATER ASSOCIATION