GARDNER COMMUNITY WATER ASSOCIATION INC (EIN 720702553) - 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

1970

Legal Domicile

Principal Officer

BILLY JOWERS

Phone

3187934568

Tax Period

2024-10-01 to 2025-09-30

GARDNER COMMUNITY WATER ASSOCIATION INC, founded in 1970, is a small nonprofit that reported $935K in total revenue in fiscal year 2024. The organization ran a surplus of $157K, a strong 17% operating margin.

Mission

RURAL UTILITY WATER PROVIDER

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $909,879

Investment Income $19,849

Other Revenue $5,102

TOTAL REVENUE $934,830

Expense Breakdown

Grants Paid $0

Salaries & Benefits $256,726

Fundraising Expenses $0

Other Expenses $521,566

TOTAL EXPENSES $778,292

Year-over-Year Comparison

	2024	2023	Change
Revenue	$934,830	$951,984	0.0%
Expenses	$778,292	$761,235	+0.0%
Net Income	$156,538	$190,749	-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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAREN WATKINS	Director	1.00	Director	$0	$0	$0
MARC KELLY	Director	1.00	Director	$0	$0	$0
JAMES M HAY	Director	1.00	Director	$0	$0	$0
MELVIN NICHOLS	Director	1.00	Director	$0	$0	$0
TOMMY RUSSELL	Director	0.00	Director	$0	$0	$0
BILLY JOWERS	President	1.00	Officer	$0	$0	$0
MICHAEL BERGERON	Vice President	1.00	Officer	$0	$0	$0
LYNDA WINEGEART	Secretary/Treas	1.00	Officer	$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	$934,830	$778,292	$2,879,170	$156,538
2024	$951,984	$761,235	$2,814,156	$190,749
2023	$735,671	$762,963	$2,705,989	$-27,292
2022	$697,506	$722,215	$2,818,794	$-24,709
2021	$681,366	$758,449	$2,929,887	$-77,083
2020	$671,287	$661,805	$3,082,993	$9,482
2019	$635,167	$602,681	$3,130,914	$32,486

GARDNER COMMUNITY WATER ASSOCIATION INC