Middle Creek Water Users Association (EIN 810243162) - 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

1939

Legal Domicile

Principal Officer

Shawn Bos

Phone

4065993784

Tax Period

2024-11-01 to 2025-10-31

Middle Creek Water Users Association, founded in 1939, is a small nonprofit that reported $272K in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. Net assets of $942K represent 42 months of operating reserves.

Mission

Continued operation and maintenance of the Hyalite Dam in Gallatin County, Montana in order to provide water primarily for agricultural use and to the City of Bozeman, MT. 10,000 shares of water 1 share 1 acre-foot of water are divided in various increments across approximately 70 shareholders (water users).

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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 $229,161

Investment Income $24,399

Other Revenue $18,068

TOTAL REVENUE $271,628

Expense Breakdown

Grants Paid $0

Salaries & Benefits $11,266

Fundraising Expenses $0

Program Expenses $285,659

Other Expenses $274,393

TOTAL EXPENSES $285,659

Year-over-Year Comparison

	2024	2023	Change
Revenue	$271,628	$251,210	+0.1%
Expenses	$285,659	$233,463	+0.2%
Net Income	$-14,031	$17,747	-1.8%

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

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
Shawn Bos	President	1.00	Officer Director	$0	$0	$0
Craig White	Vice President	1.00	Officer Director	$0	$0	$0
Brian Heaston	Director	1.00	Director	$0	$0	$0
Gerry Dusenberry	Director	1.00	Director	$0	$0	$0
Gene Dusenberry	Director	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	$271,628	$285,659	$941,676	$-14,031
2024	$251,210	$233,463	$955,454	$17,747
2023	$284,638	$319,040	$1,026,590	$-34,402
2022	$246,504	$247,621	$972,314	$-1,117
2021	$240,902	$252,017	$977,032	$-11,115
2020	$230,439	$204,887	$990,867	$25,552

Middle Creek Water Users Association