ROY A WATERS SCHOLARSHIP FUND C/O JOHN F SCHNEIDER (EIN 640616282) - 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

JOHN F SCHNEIDER

Phone

9853862694

Tax Period

2025-01-01 to 2025-12-31

ROY A WATERS SCHOLARSHIP FUND C/O JOHN F SCHNEIDER, founded in 1976, is a micro nonprofit that reported $10K in total revenue in fiscal year 2025. Revenue surged 2189% from the prior year, signaling strong growth momentum. Expenses of $12K exceeded revenue, resulting in a 18% operating deficit.

Mission

THE MISSION OF ROY WATERS SCHOLARSHIP FOUNDATION IS TO FOSTER SUPPORT FOR CANOEING.

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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 $10,000

Program Service Revenue $0

Investment Income $437

Other Revenue $0

TOTAL REVENUE $10,437

Expense Breakdown

Grants Paid $12,184

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $12,312

Other Expenses $128

TOTAL EXPENSES $12,312

Year-over-Year Comparison

	2025	2024	Change
Revenue	$10,437	$456	+21.9%
Expenses	$12,312	$1,575	+6.8%
Net Income	$-1,875	$-1,119	+0.7%

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

N/A

Independent Members

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN F SCHNEIDER	TRUSTEE	1.00	Director	$0	$0	$0
BRUCE BISHOP	TRUSTEE	1.00	Director	$0	$0	$0
DON CHRISTIE JR	TRUSTEE	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	$10,437	$12,312	$16,636	$-1,875
2024	No data	No data	No data	No data
2023	$1,473	$270,572	$19,630	$-269,099
2022	$-19,183	$25,699	$288,729	$-44,882
2021	$12,886	$1,178	$268,920	$11,708
2020	$13,595	$566	$257,212	$13,029
2019	$14,784	$11,469	$244,183	$3,315

ROY A WATERS SCHOLARSHIP FUND C/O JOHN F SCHNEIDER