THE FLOW A LIVING WATER FOUNDATION (EIN 822379737) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2017

Legal Domicile

Principal Officer

BRUCE BLACK

Phone

7039449358

Tax Period

2022-01-01 to 2022-12-31

THE FLOW A LIVING WATER FOUNDATION, founded in 2017, is a small nonprofit in the Religion sector that reported $463K in total revenue in fiscal year 2019. Revenue surged 2385% from the prior year, signaling strong growth momentum. The organization ran a surplus of $306K, a strong 66% operating margin.

Mission

SUPPORT MISSIONARIES BY GRANTING FUNDS TO MISSIONARY-SENDING ORGANIZATIONS AND BY CREATING A NETWORK FOR INDIVIDUAL MISSIONARIES FOR COMMUNICATION AND SUPPORT.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2022)

Revenue Breakdown

Contributions & Grants $578,368

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $578,368

Expense Breakdown

Grants Paid $311,466

Salaries & Benefits $212,935

Fundraising Expenses $0

Program Expenses $533,316

Other Expenses $14,655

TOTAL EXPENSES $539,056

Year-over-Year Comparison

	2022	2021	Change
Revenue	$578,368	$602,565	0.0%
Expenses	$539,056	$626,808	-0.1%
Net Income	$39,312	$-24,243	-2.6%

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

$147,800

Total Directors

$147,800

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRUCE BLACK	EXEC. DIR/DIRECTOR	40.00	Officer Director	$147,800	$0	$147,800
DANIEL RUDE	PRESIDENT/DIRECTOR	5.00	Officer Director	$0	$0	$0
DAVID SHANER	SECRETARY/DIRECTOR	5.00	Officer 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
2022	$578,368	$539,056	$495,722	$39,312
2021	$602,565	$626,808	$456,410	$-24,243
2020	$778,045	$614,604	$480,697	$163,441
2019	$462,650	$157,109	$317,212	$305,541

THE FLOW A LIVING WATER FOUNDATION