RUTHERON WATER ASSOCIATION

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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

1987

Legal Domicile

Principal Officer

MICHAEL RIFE

Phone

5053506824

Tax Period

2025-01-01 to 2025-12-31

RUTHERON WATER ASSOCIATION, founded in 1987, is a small nonprofit in the Mutual Benefit sector that reported $125K in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $108K left a modest 14% surplus.

Mission

TO SERVE AS THE COMMUNITY BODY THAT MANAGES AND OPERATES THE WATER SYSTEM FOR SUPPLYING AND DISTRIBUTION OF WATER FOR DOMESTIC USES FOR ITS MEMBERS

Program Service Accomplishments

Program 1

Expenses: $87,728 Revenue: $124,697

Provide reliable, safe and code compliant water supply to our members.

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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 $124,697

Investment Income $279

Other Revenue $0

TOTAL REVENUE $124,976

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,872

Fundraising Expenses $0

Program Expenses $87,728

Other Expenses $101,752

TOTAL EXPENSES $107,624

Year-over-Year Comparison

	2025	2024	Change
Revenue	$124,976	$107,145	+0.2%
Expenses	$107,624	$100,684	+0.1%
Net Income	$17,352	$6,461	+1.7%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL RIFE	PRESIDENT	1.00	Officer Director	$0	$0	$0
DIANNA ANDREWS	TREASURER	1.00	Officer Director	$0	$0	$0
ALONZO PADILLA	SECRETARY	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	$124,976	$107,624	$621,619	$17,352
2024	$107,145	$100,684	$609,293	$6,461
2023	$102,406	$90,327	$607,933	$12,079
2022	$127,412	$90,159	$600,980	$37,253
2021	$93,779	$88,922	$570,414	$4,857
2020	$118,290	$78,539	$572,287	$39,751
2019	$72,283	$87,900	$539,014	$-15,617
2018	$65,830	$67,056	$561,266	$-1,226