AMERICA'S WATERSHED INITIATIVE

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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

2018

Legal Domicile

Principal Officer

RACHEL ORF

Phone

3149662727

Tax Period

2024-07-01 to 2025-06-30

AMERICA'S WATERSHED INITIATIVE, founded in 2018, is a small nonprofit in the Human Services sector that reported $319K in total revenue in fiscal year 2024. Revenue fell 34% from the prior year — a significant decline worth monitoring. Expenses of $381K exceeded revenue, resulting in a 19% operating deficit.

Mission

AMERICA'S WATERSHED INITIATIVE SERVES AS A TRUSTED VOICE THAT BRINGS PARTNERS TOGETHER AND CHAMPIONS SOUND SCIENCE TO SECURE A FUTURE IN WHICH THE RIVERS AND PEOPLE OF THE MISSISSIPPI RIVER WATERSHED THRIVE.

Program Service Accomplishments

Program 1

Expenses: $320,585

TO ENSURE THE MISSISSIPPI RIVER WATERSHED REMAINS PRODUCTIVE AND HEALTHY FOR FUTURE GENERATIONS, AWI DELIVERS DATA-DRIVEN KNOWLEDGE THROUGH WEBINARS, PUBLICATIONS, AND PRESENTATIONS ACROSS THE...

TO ENSURE THE MISSISSIPPI RIVER WATERSHED REMAINS PRODUCTIVE AND HEALTHY FOR FUTURE GENERATIONS, AWI DELIVERS DATA-DRIVEN KNOWLEDGE THROUGH WEBINARS, PUBLICATIONS, AND PRESENTATIONS ACROSS THE WATERSHED. THESE EFFORTS ADVANCE WATER QUALITY IMPROVEMENT, MITIGATION OF FLOOD AND DROUGHT IMPACTS, CONSERVATION OF FISH AND WILDLIFE, EXPANDED RECREATION, AND INLAND NAVIGATION. AWI ALSO CONVENES ORGANIZATIONS ACROSS AGRICULTURE, TRANSPORTATION, CONSERVATION, GOVERNMENT, AND ACADEMIA THROUGH THE MISSISSIPPI RIVER WATERSHED PARTNERSHIP TO BUILD A DIVERSE COALITION FOCUSED ON WHOLE-WATERSHED SOLUTIONS, ALIGNED ACTION, AND DEDICATED FUNDING TO IMPROVE WATERSHED HEALTH.

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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 $319,194

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $319,194

Expense Breakdown

Grants Paid $0

Salaries & Benefits $283,261

Fundraising Expenses $0

Program Expenses $320,585

Other Expenses $97,470

TOTAL EXPENSES $380,731

Year-over-Year Comparison

	2024	2023	Change
Revenue	$319,194	$482,867	-0.3%
Expenses	$380,731	$289,191	+0.3%
Net Income	$-61,537	$193,676	-1.3%

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

$140,981

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RACHEL ORF	CHAIR	10.00	Officer Director	$0	$0	$0
RAINY SHOREY	PAST CHAIR	0.00	Director	$0	$0	$0
KIRSTEN WALLACE	VICE CHAIR	10.00	Officer Director	$0	$0	$0
CHARLES HESS	TREASURER	10.00	Officer Director	$0	$0	$0
YELENA RIVERA	SECRETARY	10.00	Officer Director	$0	$0	$0
DEBRA CALHOUN	BOARD MEMBER	0.50	Director	$0	$0	$0
TONY COMERIO	BOARD MEMBER	0.50	Director	$0	$0	$0
JIM CRUM	BOARD MEMBER	0.50	Director	$0	$0	$0
TERI GOODMANN	BOARD MEMBER	0.50	Director	$0	$0	$0
ANGELA GRETT	BOARD MEMBER	0.50	Director	$0	$0	$0
BARBARA KLEIS	BOARD MEMBER	0.50	Director	$0	$0	$0
TONJA KOOB MARKING	BOARD MEMBER	0.50	Director	$0	$0	$0
JOHN MONTGOMERY	BOARD MEMBER	0.50	Director	$0	$0	$0
LARRY WEBER	BOARD MEMBER	0.50	Director	$0	$0	$0
KIM LUTZ	EXECUTIVE DIRECTOR	40.00	Officer	$140,981	$0	$140,981

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	$319,194	$380,731	$187,812	$-61,537
2024	No data	No data	No data	No data
2023	$162,845	$227,166	$55,673	$-64,321
2022	$201,419	$311,341	$119,994	$-109,922
2021	$144,650	$188,444	$229,916	$-43,794
2020	$303,750	$197,022	$273,710	$106,728