BUFFALO TRAIL WATER ASSOCIATION (EIN 610844764) - 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

WILLIAM CLARY

Phone

6067636516

Tax Period

2025-01-01 to 2025-12-31

BUFFALO TRAIL WATER ASSOCIATION, founded in 1976, is a small nonprofit that reported $987K in total revenue in fiscal year 2025. Revenue fell 24% from the prior year — a significant decline worth monitoring. Net assets of $6.2M represent 75 months of operating reserves.

Mission

RURAL WATER ASSOCIATION - PROVIDES WATER TO 1,600 CUSTOMERS

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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 $0

Program Service Revenue $965,189

Investment Income $8,011

Other Revenue $14,082

TOTAL REVENUE $987,282

Expense Breakdown

Grants Paid $0

Salaries & Benefits $99,489

Fundraising Expenses $0

Program Expenses $801,526

Other Expenses $868,249

TOTAL EXPENSES $967,738

Year-over-Year Comparison

	2025	2024	Change
Revenue	$987,282	$1,294,881	-0.2%
Expenses	$967,738	$881,418	+0.1%
Net Income	$19,544	$413,463	-1.0%

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

N/A

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

$94,376

Total Directors

$13,450

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM CLARY	CHAIRMAN	10.00	Officer Director	$4,500	$0	$4,500
JAMES D CURTIS	VICE CHAIRMAN	2.00	Officer Director	$1,900	$0	$1,900
RANDALL BIDDLE	DIRECTOR	2.00	Officer Director	$1,750	$0	$1,750
CLAY SAUNDERS	DIRECTOR	2.00	Officer Director	$1,750	$0	$1,750
AARON MYERS	DIRECTOR	2.00	Officer Director	$1,650	$0	$1,650
TERRY CRACRAFT	SECRETARY	2.00	Officer Director	$1,900	$0	$1,900
LORI JOHNSON	GENERAL MANAGER	40.00	Officer	$80,926	$0	$80,926

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	$987,282	$967,738	$7,073,663	$19,544
2024	$1,294,881	$881,418	$7,082,097	$413,463
2023	$1,127,691	$877,669	$6,899,876	$250,022
2022	$964,741	$951,314	$6,523,820	$13,427
2021	$805,975	$829,576	$6,508,831	$-23,601
2020	$803,527	$832,609	$6,531,608	$-29,082
2019	$725,511	$723,114	$6,586,089	$2,397
2018	$838,098	$733,128	$6,640,168	$104,970

BUFFALO TRAIL WATER ASSOCIATION