ST JOHNS HARBOR WATER ASSOCIATION INC (EIN 592093511) - 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

1979

Legal Domicile

Principal Officer

BRUCE HOWE

Phone

9047083100

Tax Period

2022-01-01 to 2022-12-31

ST JOHNS HARBOR WATER ASSOCIATION INC, founded in 1979, is a small nonprofit that reported $106K in total revenue in fiscal year 2022. Expenses of $169K exceeded revenue, resulting in a 60% operating deficit.

Mission

OPERATION OF A WATER PLANT TO PROVIDE SAFE, POTABLE WATER TO THE ST JOHN'S HARBOR SUBDIVISION

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $105,575

Investment Income $12

Other Revenue $0

TOTAL REVENUE $105,587

Expense Breakdown

Grants Paid $0

Salaries & Benefits $27,230

Fundraising Expenses $0

Program Expenses $169,127

Other Expenses $141,897

TOTAL EXPENSES $169,127

Year-over-Year Comparison

	2022	2021	Change
Revenue	$105,587	$104,638	+0.0%
Expenses	$169,127	$158,322	+0.1%
Net Income	$-63,540	$-53,684	+0.2%

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

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

$6,000

Total Directors

$8,769

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRUCE HOWE	PRESIDENT	5.00	Officer Director	$6,000	$0	$6,000
ANDREW J FLOYD	VICE-PRESIDENT	5.00	Officer Director	$0	$0	$0
ANN CRAWFORD	SECRETARY	5.00	Officer Director	$0	$0	$0
KATHIE THOMPSON	TREASURER	5.00	Officer Director	$0	$0	$0
SANDI GONZALES	ASSISTANT TREASURER	5.00	Director	$0	$0	$0
ANGELA GREEN	BOARD MEMBER	5.00	Director	$2,769	$0	$2,769
RAY HOWELL	BOARD MEMBER	5.00	Director	$0	$0	$0
CHERYL PUCH	BOARD MEMBER	5.00	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
2022	$105,587	$169,127	$1,093,886	$-63,540
2021	$104,638	$158,322	$1,157,725	$-53,684
2021	$106,329	$99,617	$1,224,073	$6,712
2020	$105,289	$172,646	$1,217,511	$-67,357
2018	$92,135	$154,980	$1,326,537	$-62,845

ST JOHNS HARBOR WATER ASSOCIATION INC