HARBOR VIEW MUTUAL WATER COMPANY (EIN 941717379) - 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

1969

Legal Domicile

Principal Officer

CARINA DEHERRA

Phone

7072794259

Tax Period

2024-07-01 to 2025-06-30

HARBOR VIEW MUTUAL WATER COMPANY, founded in 1969, is a small nonprofit in the Public & Societal Benefit sector that reported $497K in total revenue in fiscal year 2024. Expenses of $732K exceeded revenue, resulting in a 47% operating deficit.

Mission

TO PROVIDE WATER TO 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $490,449

Investment Income $6,617

Other Revenue $0

TOTAL REVENUE $497,066

Expense Breakdown

Grants Paid $0

Salaries & Benefits $233,387

Fundraising Expenses $0

Program Expenses $699,499

Other Expenses $498,359

TOTAL EXPENSES $731,746

Year-over-Year Comparison

	2024	2023	Change
Revenue	$497,066	$499,864	0.0%
Expenses	$731,746	$711,121	+0.0%
Net Income	$-234,680	$-211,257	+0.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARINA DEHERRERA	President	1.00	Officer Director	$0	$0	$0
BOB LUCATORTO	Treasurer	1.00	Officer Director	$0	$0	$0
ALEXANDRE MILUKHIN	Secretary	1.00	Director	$0	$0	$0
CHRISTINE LAVEZZO	Director	1.00	Director	$0	$0	$0
LAURA SILVA	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	$497,066	$731,746	$4,056,851	$-234,680
2024	$499,864	$711,121	$4,249,235	$-211,257
2023	$1,754,748	$694,790	$4,869,512	$1,059,958
2022	$1,043,055	$700,295	$4,259,954	$342,760
2021	$728,691	$547,317	$3,144,772	$181,374
2020	$470,382	$490,260	$2,968,596	$-19,878
2019	$469,101	$502,192	$3,012,860	$-33,091
2018	$508,056	$492,558	$3,062,457	$15,498

HARBOR VIEW MUTUAL WATER COMPANY