CLEAR LAKE WATER USERS 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

1990

Principal Officer

KRISTINA NICHOLS

Phone

5092801207

Tax Period

2025-01-01 to 2025-12-31

CLEAR LAKE WATER USERS ASSOCIATION, founded in 1990, is a small nonprofit in the Mutual Benefit sector that reported $257K 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 $158K, a strong 62% operating margin.

Mission

THE ORGANIZATION'S PRIMARY EXEMPT PURPOSE IS TO MAINTAIN A SYSTEM PROVIDING POTABLE WATER TO ABOUT 70 HOMES. ITS OBJECTIVES ARE TO ACQUIRE, OPERATE, AND MAINTAIN A WATER SYSTEM TO PROVIDE POTABLE WATER TO APPROXIMATELY 70 MEMBER HOUSES.

Program Service Accomplishments

Program 1

Expenses: $99,973 Revenue: $109,536

MAINTAINED WATER SYSTEM AND PROVIDED POTABLE WATER TO APPROXIMATELY 70 HOUSES

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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 $147,076

Program Service Revenue $109,287

Investment Income $249

Other Revenue $0

TOTAL REVENUE $256,612

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,060

Fundraising Expenses $0

Program Expenses $99,973

Other Expenses $92,291

TOTAL EXPENSES $98,351

Year-over-Year Comparison

	2025	2024	Change
Revenue	$256,612	$563,903	-0.5%
Expenses	$98,351	$72,310	+0.4%
Net Income	$158,261	$491,593	-0.7%

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

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
STEVEN MCBRIDE	President	5.00	Director	$0	$0	$0
KRISTINA NICHOLS	Treasurer	5.00	Director	$0	$0	$0
KELLY WATERMAN	Vice President	2.00	Director	$0	$0	$0
LAURIE FRENCH	Secretary	1.00	Director	$0	$0	$0
DALE ROBERTS	MEMBER AT LARGE	1.00	Director	$0	$0	$0
JERRY CASTRO	MEMBER AT LARGE	1.00	Director	$0	$0	$0
JULIE PECK	MEMBER AT LARGE	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
2025	$256,612	$98,351	$835,130	$158,261
2024	No data	No data	No data	No data