CLEAR RIDGE MUTUAL WATER COMPANY (EIN 770485102) - 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

1998

Legal Domicile

Principal Officer

JAMES M BETTS

Phone

8316672956

Tax Period

2020-01-01 to 2020-12-31

CLEAR RIDGE MUTUAL WATER COMPANY, founded in 1998, is a micro nonprofit in the Food, Agriculture & Nutrition sector that reported $52K in total revenue in fiscal year 2020. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $71K exceeded revenue, resulting in a 37% operating deficit.

Mission

MAINTAIN RURAL WATER SYSTEM FOR 42 MEMBERS (RESIDENTS)

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $51,535

Investment Income $125

Other Revenue $0

TOTAL REVENUE $51,660

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $70,684

Other Expenses $70,684

TOTAL EXPENSES $70,684

Year-over-Year Comparison

	2020	2019	Change
Revenue	$51,660	$45,854	+0.1%
Expenses	$70,684	$86,824	-0.2%
Net Income	$-19,024	$-40,970	-0.5%

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

N/A

Employees

N/A

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VICTOR PAVLOFF	DIRECTOR	1	Director	$0	$0	$0
KENNETH LEE	DIRECTOR	1	Director	$0	$0	$0
JOHN FOWLER	DIRECTOR	1	Director	$0	$0	$0
BRIGGA CRIPE	DIRECTOR	1	Director	$0	$0	$0
JAMES M BETTS MD	PRESIDENT	2	Officer	$0	$0	$0
SYDNEY OCEAN	SECRETARY	2	Officer	$0	$0	$0
IAIN LAMB	TREASURER	1	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
2020	$51,660	$70,684	$503,582	$-19,024

CLEAR RIDGE MUTUAL WATER COMPANY