COTTONWOOD RURAL WATER ASSOCIATION (EIN 850274886) - 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

Legal Domicile

Principal Officer

JACK CALLAWAY

Phone

5757469597

Tax Period

2020-01-01 to 2020-12-31

COTTONWOOD RURAL WATER ASSOCIATION is a small nonprofit that reported $569K in total revenue in fiscal year 2020. Revenue decreased 8% compared to the prior year. Expenses of $670K exceeded revenue, resulting in a 18% operating deficit.

Mission

COOPERATIVE WATER SALES AND SERVICE TO RURAL WATER CUSTOMERS

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $543,636

Investment Income $11,633

Other Revenue $13,372

TOTAL REVENUE $568,641

Expense Breakdown

Grants Paid $0

Salaries & Benefits $248,523

Fundraising Expenses $0

Program Expenses $670,316

Other Expenses $421,793

TOTAL EXPENSES $670,316

Year-over-Year Comparison

	2020	2019	Change
Revenue	$568,641	$615,402	-0.1%
Expenses	$670,316	$663,196	+0.0%
Net Income	$-101,675	$-47,794	+1.1%

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

N/A

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
JACK CALLAWAY	PRESIDENT	N/A	Officer Director	$0	$0	$0
ROSS HORNER	DIRECTOR	N/A	Director	$0	$0	$0
VANCE RIGGS	SECRETARY/TR	N/A	Officer Director	$0	$0	$0
GEORGE SANCHEZ	DIRECTOR	N/A	Director	$0	$0	$0
JIM TOWNSEND	VICE PRESIDE	N/A	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
2020	$568,641	$670,316	$7,128,172	$-101,675
2019	$615,402	$663,196	$7,084,662	$-47,794
2018	$1,939,554	$550,383	$7,254,760	$1,389,171

COTTONWOOD RURAL WATER ASSOCIATION