Northern Colorado Water Association (EIN 840533759) - 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

1988

Legal Domicile

Principal Officer

Aliyah Santistevan

Phone

9705683975

Tax Period

2024-12-01 to 2025-11-30

Northern Colorado Water Association, founded in 1988, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2024. The organization ran a surplus of $369K, a strong 16% operating margin.

Mission

FURNISHING OF POTABLE WATER FOR DOMESTIC USE IN A RURAL AREA FOR MEMBERS IN THE ASSOCIATION'S BOUNDARIES

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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 $2,321,789

Investment Income $67,804

Other Revenue $-41,032

TOTAL REVENUE $2,348,561

Expense Breakdown

Grants Paid $0

Salaries & Benefits $533,213

Fundraising Expenses $0

Other Expenses $1,446,616

TOTAL EXPENSES $1,979,829

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,348,561	$2,289,590	+0.0%
Expenses	$1,979,829	$1,798,941	+0.1%
Net Income	$368,732	$490,649	-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

$124,309

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Tom Chaffin	CEO	40.00	Director	$124,309	$0	$124,309
BRUCE BECKNER	Board Member	2.00	Director	$0	$0	$0
Aliyah Santistevan	President	2.00	Director	$0	$0	$0
Clayton Fawcett	Treasurer	2.00	Director	$0	$0	$0
Conrad Swanson	Vice President	2.00	Director	$0	$0	$0
Scott Tomlinson	Member	2.00	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	$2,348,561	$1,979,829	$21,124,703	$368,732
2024	$2,289,590	$1,798,941	$20,850,269	$490,649
2023	$2,098,659	$1,670,501	$20,430,001	$428,158
2022	$2,136,373	$1,787,731	$19,666,490	$348,642
2021	$1,944,770	$1,780,207	$17,538,275	$164,563
2020	$2,221,613	$1,564,391	$17,471,884	$657,222
2019	$2,209,221	$1,407,793	$16,713,993	$801,428
2018	$2,399,869	$1,351,430	$15,918,385	$1,048,439

Northern Colorado Water Association