LA LUZ MUTUAL DOMESTIC WATER CONSUMERS ASSOCIATION & MSWA (EIN 850125854) - 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

1952

Legal Domicile

Principal Officer

CHERI MOORE

Phone

5754377717

Tax Period

2025-01-01 to 2025-12-31

LA LUZ MUTUAL DOMESTIC WATER CONSUMERS ASSOCIATION & MSWA, founded in 1952, is a small nonprofit in the Public & Societal Benefit sector that reported $411K in total revenue in fiscal year 2025. Expenses of $606K exceeded revenue, resulting in a 48% operating deficit.

Mission

TO PROVIDE COMMUNITY WATER SERVICE TO MEMBERS LIVING IN AND AROUND THE VILLAGE OF LA LUZ, NM

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $406,730

Investment Income $1,196

Other Revenue $2,827

TOTAL REVENUE $410,753

Expense Breakdown

Grants Paid $0

Salaries & Benefits $169,233

Fundraising Expenses $0

Program Expenses $606,482

Other Expenses $437,249

TOTAL EXPENSES $606,482

Year-over-Year Comparison

	2025	2024	Change
Revenue	$410,753	$418,167	0.0%
Expenses	$606,482	$517,572	+0.2%
Net Income	$-195,729	$-99,405	+1.0%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHERI MOORE	PRESIDENT	1.00	Officer Director	$0	$0	$0
MICHAEL GUTIERREZ	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
ANTHONY OGDEN	DIRECTOR-WORKS SUPV	1.00	Director	$0	$0	$0
GARY VAN STRATTON	SECRETARY	1.00	Officer Director	$0	$0	$0
CAROL GARCIA	TREASURER	1.00	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
2025	$410,753	$606,482	$4,454,831	$-195,729
2024	$418,167	$517,572	$4,662,231	$-99,405
2023	$643,511	$632,953	$4,772,253	$10,558
2022	$955,400	$385,652	$4,773,219	$569,748
2021	$316,185	$341,214	$4,147,790	$-25,029
2020	$419,501	$361,523	$4,210,244	$57,978
2019	$503,139	$424,723	$4,159,953	$78,416
2018	$2,867,790	$306,457	$4,259,788	$2,561,333

LA LUZ MUTUAL DOMESTIC WATER CONSUMERS ASSOCIATION & MSWA