SILVER SPRINGS MUTUAL WATER CO (EIN 880117387) - 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

MATT MARTENSEN

Phone

7755772223

Tax Period

2025-01-01 to 2025-12-31

SILVER SPRINGS MUTUAL WATER CO, founded in 1952, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2025. Revenue fell 54% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $479K, a strong 24% operating margin.

Mission

MUNICIPAL WATER SERVICE.

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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 $437,460

Program Service Revenue $1,459,907

Investment Income $32,885

Other Revenue $49,634

TOTAL REVENUE $1,979,886

Expense Breakdown

Grants Paid $0

Salaries & Benefits $568,365

Fundraising Expenses $0

Other Expenses $932,434

TOTAL EXPENSES $1,500,799

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,979,886	$4,293,004	-0.5%
Expenses	$1,500,799	$1,272,610	+0.2%
Net Income	$479,087	$3,020,394	-0.8%

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

$121,650

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREGORY PEEK	PRESIDENT	3.00	Officer Director	$0	$0	$0
CHARLES NOBLE	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
J SCOTT KELLER	SECRETARY	1.00	Officer Director	$0	$0	$0
AVIS MONIZ	TREASURER	1.00	Director	$0	$0	$0
PEGGY GRUTZMACHER	MEMBER	1.00	Director	$0	$0	$0
JACQUELYN PICCIANI	MEMBER	1.00	Director	$0	$0	$0
MIKE LENOX	MEMBER	1.00	Director	$0	$0	$0
MATT MARTENSEN	GENERAL MANAGER	40.00	Officer	$109,615	$12,035	$121,650

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	$1,979,886	$1,500,799	$12,762,887	$479,087
2024	$4,293,004	$1,272,610	$12,316,360	$3,020,394
2023	$1,699,573	$1,202,286	$9,321,705	$497,287
2022	$1,240,390	$1,258,875	$8,992,583	$-18,485
2021	$1,174,197	$1,127,467	$8,914,127	$46,730
2020	$1,431,808	$1,114,148	$8,988,524	$317,660
2019	$1,308,372	$1,076,471	$8,603,111	$231,901
2018	$1,056,060	$924,656	$8,221,470	$131,404

SILVER SPRINGS MUTUAL WATER CO