Old Settlers Water Association (EIN 916055864) - 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

1980

Legal Domicile

Phone

3603663416

Tax Period

2025-01-01 to 2025-12-31

Old Settlers Water Association, founded in 1980, is a small nonprofit that reported $174K in total revenue in fiscal year 2025. Revenue surged 164% from the prior year, signaling strong growth momentum. The organization ran a surplus of $87K, a strong 50% operating margin.

Mission

Provide water for members of the association

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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 $171,146

Investment Income $2,596

Other Revenue $0

TOTAL REVENUE $173,742

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,000

Fundraising Expenses $0

Program Expenses $86,594

Other Expenses $80,594

TOTAL EXPENSES $86,594

Year-over-Year Comparison

	2025	2024	Change
Revenue	$173,742	$65,742	+1.6%
Expenses	$86,594	$72,830	+0.2%
Net Income	$87,148	$-7,088	-13.3%

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

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
Ryan Long	President	0.50	Officer Director	$0	$0	$0
Joe Lupo	Board Member	0.50	Director	$0	$0	$0
Casey Moreau	Board Member	0.50	Director	$0	$0	$0
Sara Kuljis	Secretary	2.00	Officer Director	$0	$0	$0
Steven Johnson	Board Member	3.00	Director Key Emp	$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	$173,742	$86,594	$625,993	$87,148
2024	$65,742	$72,830	$532,070	$-7,088
2023	$90,974	$74,562	$538,318	$16,412
2022	$122,863	$71,606	$519,607	$51,257
2021	$95,781	$80,953	$469,449	$14,828
2020	$83,153	$84,555	$453,341	$-1,402
2019	$95,790	$114,027	$482,030	$-18,237
2018	$107,244	$115,460	$524,213	$-8,216

Old Settlers Water Association