SCRAVEL HILL WATER CO-OP (EIN 936041555) - 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

1961

Legal Domicile

Principal Officer

MONTIE TORGESON

Phone

5419261974

Tax Period

2025-01-01 to 2025-12-31

SCRAVEL HILL WATER CO-OP, founded in 1961, is a small nonprofit that reported $142K in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $184K exceeded revenue, resulting in a 30% operating deficit.

Mission

TO PROVIDE WATER SERVICES TO COOPERATIVE 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 $141,842

Investment Income $84

Other Revenue $0

TOTAL REVENUE $141,926

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $142,782

Other Expenses $184,206

TOTAL EXPENSES $184,206

Year-over-Year Comparison

	2025	2024	Change
Revenue	$141,926	$128,533	+0.1%
Expenses	$184,206	$85,815	+1.1%
Net Income	$-42,280	$42,718	-2.0%

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

$31,850

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MONTIE TORGESON	DIRECTOR	5.00	Officer	$16,850	$0	$16,850
WENDY TORGESON	SECRETARY	5.00	Officer	$15,000	$0	$15,000
TIM ACKER	DIRECTOR	1.00	Director	$0	$0	$0
LANE ECKER	PRESIDENT	1.00	Officer Director	$0	$0	$0
JOSEPH NEIL	DIRECTOR	1.00	Director	$0	$0	$0
WILLY RODRIGUES	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
2025	$141,926	$184,206	$2,061,075	$-42,280
2024	$128,533	$85,815	$1,573,117	$42,718
2023	$467,047	$93,032	$664,125	$374,015
2023	$395,758	$93,032	$664,125	$302,726

SCRAVEL HILL WATER CO-OP