Restful Waters Inc (EIN 882007474) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2022

Legal Domicile

Principal Officer

Gerald J James

Phone

2547607687

Tax Period

2023-01-01 to 2023-12-31

Restful Waters Inc, founded in 2022, is a micro nonprofit that reported $23K in total revenue in fiscal year 2022. The organization ran a surplus of $20K, a strong 86% operating margin.

Mission

To provide a place of rest and spiritual renewal for ministry leaders. Through management of leased property located on Lake Hudson, OK we offer overnight lodging to those seeking a place to be spiritually restored, refueled and refreshed.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $4,892

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $4,892

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $7,443

Other Expenses $8,090

TOTAL EXPENSES $8,090

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,892	$22,607	-0.8%
Expenses	$8,090	$3,101	+1.6%
Net Income	$-3,198	$19,506	-1.2%

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

N/A

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
Gerald J James	President/Director	1.00	Officer Director	$0	$0	$0
Heather D James	Secretary/Director	1.00	Officer Director	$0	$0	$0
Jeff Shephard	Director	1.00	Director	$0	$0	$0
Elizabeth Karlowski	Director	1.00	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
2023	$4,892	$8,090	$16,308	$-3,198
2022	$22,607	$3,101	$19,506	$19,506

Restful Waters Inc