ONE WITH THE WATER

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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

2011

Legal Domicile

Principal Officer

KENNETH RIPPETOE

Phone

3233647946

Tax Period

2023-01-01 to 2023-12-31

ONE WITH THE WATER, founded in 2011, is a micro nonprofit in the Recreation & Sports sector that reported $85K in total revenue in fiscal year 2023. Revenue fell 70% from the prior year — a significant decline worth monitoring. Expenses of $193K exceeded revenue, resulting in a 128% operating deficit.

Mission

To provide swimming lessons to children and adults including those with special needs, such as autism, ADD, sensory integration, anxiety, Down and CHARGE syndrome, auditory processing disorders and dyslexia. We provide lessons to Service-Disabled Veterans and athletes of the U.S. Paralympics and U.S. Special Olympics.

Program Service Accomplishments

Program 1

Expenses: $161,496 Revenue: $193,875

SWIMMING LESSONS - DURING 2023, ONE WITH THE WATER DISTRIBUTED SCHOLARSHIPS VALUED AT 12,805 TO CHILDREN OF FAMILIES WITH FINANCIAL HARDSHIPS AND SPECIAL NEEDS. WE TAUGHT A TOTAL OF 1,260 HOURS OF...

SWIMMING LESSONS - DURING 2023, ONE WITH THE WATER DISTRIBUTED SCHOLARSHIPS VALUED AT 12,805 TO CHILDREN OF FAMILIES WITH FINANCIAL HARDSHIPS AND SPECIAL NEEDS. WE TAUGHT A TOTAL OF 1,260 HOURS OF SWIMMING LESSONS IN 2022. APPROXIMATELY 90 OF ALL LESSONS ARE TAUGHT TO KIDS WITH SPECIAL NEEDS, INCLUDING PHYSICAL AND COGNITIVE DISABILITIES. WE ARE EQUIPPED TO TEACH KIDS AND ADULTS WITH ADD ADHD, ANXIETY, AUDITORY PROCESSING DISORDERS, AUTISM SPECTRUM, DOWN AND CHARGE SYNDROME, AMPUTATION, CEREBRAL PALSY, SPINAL BIFIDA, SPINAL CORD INJURY, OBESITY AND OTHER DISABILITIES.

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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 $17,860

Program Service Revenue $176,015

Investment Income $-109,343

Other Revenue $0

TOTAL REVENUE $84,532

Expense Breakdown

Grants Paid $0

Salaries & Benefits $21,328

Fundraising Expenses $0

Program Expenses $161,496

Other Expenses $171,422

TOTAL EXPENSES $192,750

Year-over-Year Comparison

	2023	2022	Change
Revenue	$84,532	$278,884	-0.7%
Expenses	$192,750	$284,234	-0.3%
Net Income	$-108,218	$-5,350	+19.2%

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

$21,328

Total Directors