SAN ANDREAS MUTUAL WATER

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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

1952

Legal Domicile

Principal Officer

PAUL LEGO

Phone

8317283850

Tax Period

2025-01-01 to 2025-12-31

SAN ANDREAS MUTUAL WATER, founded in 1952, is a small nonprofit that reported $195K in total revenue in fiscal year 2025. Revenue grew 20% year-over-year, indicating healthy expansion. The organization ran a surplus of $92K, a strong 47% operating margin.

Mission

WATER DISTRIBUTION

Program Service Accomplishments

Program 1

DEVELOPING, DISTRIBUTING, AND DELIVERING SAFE 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $173,375

Investment Income $21,254

Other Revenue $0

TOTAL REVENUE $194,629

Expense Breakdown

Grants Paid $0

Salaries & Benefits $20,901

Fundraising Expenses $0

Other Expenses $81,782

TOTAL EXPENSES $102,683

Year-over-Year Comparison

	2025	2024	Change
Revenue	$194,629	$162,650	+0.2%
Expenses	$102,683	$104,172	0.0%
Net Income	$91,946	$58,478	+0.6%

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
O SHARP	CONTROLLER, DIR	12.00	Director	$0	$0	$0
P LEGO	TREASURER	2.00	Officer Director	$0	$0	$0
T LEE	DIR	2.00	Director	$0	$0	$0
J ZUCCA	PRESIDENT & SECRETARY	2.00	Officer Director	$0	$0	$0
C WILDENBOER	PRESIDENT	2.00	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	$194,629	$102,683	$568,608	$91,946
2024	$162,650	$104,172	$470,649	$58,478
2023	$139,101	$162,174	$408,058	$-23,073
2022	$135,392	$114,249	$427,201	$21,143
2021	$112,721	$141,962	$244,502	$-29,241
2020	$159,089	$111,154	$272,438	$47,935
2019	$111,818	$107,727	$217,500	$4,091
2018	$114,536	$115,763	$213,409	$-1,227