STILL WATERS EQUESTRIAN ACADEMY (EIN 464343429) - 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

2013

Legal Domicile

Principal Officer

CHARLENE COLE

Phone

4024320543

Tax Period

2025-01-01 to 2025-12-31

STILL WATERS EQUESTRIAN ACADEMY, founded in 2013, is a small nonprofit in the Health Care sector that reported $376K in total revenue in fiscal year 2025. Revenue decreased 18% compared to the prior year.

Mission

TO SHARE GOD'S GIFT OF HORSES TO HELP BUILD CHARACTER, PERSEVERANCE & SPIRITUAL STRENGTH IN CHILDREN BY WELCOMING ANYONE INTERESTED IN ALL THAT HORSES CAN OFFER REGARDLESS OF AGE, ABILITY OR INCOME.

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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 $84,034

Program Service Revenue $292,032

Investment Income $0

Other Revenue $0

TOTAL REVENUE $376,066

Expense Breakdown

Grants Paid $0

Salaries & Benefits $161,228

Fundraising Expenses $0

Program Expenses $364,941

Other Expenses $230,203

TOTAL EXPENSES $391,431

Year-over-Year Comparison

	2025	2024	Change
Revenue	$376,066	$459,592	-0.2%
Expenses	$391,431	$428,513	-0.1%
Net Income	$-15,365	$31,079	-1.5%

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

Total Directors

$56,160

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLENE COLE	PRESIDENT	40.00	Officer Director	$0	$0	$0
ARNIE COLE	SECRETARY	1.00	Officer Director	$0	$0	$0
LAURA STUECK	DIRECTOR	40.00	Director	$56,160	$0	$56,160
CARA WHITNEY	DIRECTOR	1.00	Director	$0	$0	$0
DAN WHITNEY	DIRECTOR	1.00	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	$376,066	$391,431	$248,085	$-15,365
2024	$459,592	$428,513	$300,876	$31,079
2023	$400,598	$457,060	$288,357	$-56,462
2022	$416,736	$451,429	$332,736	$-34,693
2021	$431,743	$431,059	$348,894	$684
2020	$356,556	$300,864	$295,687	$55,692
2019	$406,281	$349,956	$261,821	$56,325
2018	$281,652	$314,822	$250,119	$-33,170

STILL WATERS EQUESTRIAN ACADEMY