GILL CREEK MUTUAL WATER COMPANY

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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

1962

Legal Domicile

Principal Officer

PETER SAGUES

Phone

7078573291

Tax Period

2024-04-01 to 2025-03-31

GILL CREEK MUTUAL WATER COMPANY, founded in 1962, is a small nonprofit that reported $230K in total revenue in fiscal year 2024. The organization ran a surplus of $61K, a strong 26% operating margin.

Mission

TO DEVELOP, DISTRIBUTE, SUPPLY, AND DELIVER WATER FOR DOMESTIC USE TO IT'S CERTIFICATE HOLDERS AT ACTUAL COST PLUS NECESSARY EXPENSES.

Program Service Accomplishments

Program 1

SALE OF DOMESTIC WATER TO MUTUAL WATER COMPANY MEMBERS ONLY

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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 $173,093

Investment Income $8,778

Other Revenue $48,000

TOTAL REVENUE $229,871

Expense Breakdown

Grants Paid $0

Salaries & Benefits $35,833

Fundraising Expenses $0

Other Expenses $133,165

TOTAL EXPENSES $168,998

Year-over-Year Comparison

	2024	2023	Change
Revenue	$229,871	N/A	N/A
Expenses	$168,998	N/A	N/A
Net Income	$60,873	N/A	N/A

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
PAUL CONNORS	DIRECTOR	N/A	Director	$0	$0	$0
GENE SCHNAIR	DIRECTOR	N/A	Director	$0	$0	$0
TIM BROWN	VICE PRESIDE	N/A	Officer	$0	$0	$0
CATHY HALLIGAN	SECRETARY	N/A	Officer	$0	$0	$0
JAMES LAZARUS	PRESIDENT	N/A	Officer	$0	$0	$0
PETER SAGUES	TREASURER	N/A	Officer	$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
2026	No data	No data	No data	No data
2025	$229,871	$168,998	$517,817	$60,873