ZONE MUTUAL WATER COMPANY (EIN 951558979) - 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

1947

Legal Domicile

Phone

8053864061

Tax Period

2025-01-01 to 2025-12-31

ZONE MUTUAL WATER COMPANY, founded in 1947, is a community nonprofit that reported $2.8M in total revenue in fiscal year 2025. Revenue surged 31% from the prior year, signaling strong growth momentum. The organization ran a surplus of $532K, a strong 19% operating margin.

Mission

ORGANIZED FOR THE PURPOSE SOLELY OF DELIVERING WATER TO ITS STOCKHOLDERS AT COST.

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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 $2,392,595

Investment Income $5,583

Other Revenue $374,734

TOTAL REVENUE $2,772,912

Expense Breakdown

Grants Paid $0

Salaries & Benefits $238,819

Fundraising Expenses $0

Other Expenses $2,001,676

TOTAL EXPENSES $2,240,495

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,772,912	$2,124,132	+0.3%
Expenses	$2,240,495	$1,966,277	+0.1%
Net Income	$532,417	$157,855	+2.4%

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

N/A

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
AMANDA L FREITAS	GENERAL MANAGER (LEFT JAN 2025)	0.00		$4,822	$0	$4,822
LUIS CALDERON	Director	1.00	Director	$0	$0	$0
JOHN GRETHER	Vice President	1.00	Officer Director	$0	$0	$0
ALDEN BROOME	Secretary	1.00	Officer Director	$0	$0	$0
JOHN MENNE	President	1.00	Officer Director	$0	$0	$0
DAVE BORCHARD	Director	1.00	Director	$0	$0	$0
GARY NICHOLS	Treasurer	1.00	Officer Director	$0	$0	$0
PATRICIA MARTINEZ	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	$2,772,912	$2,240,495	$8,007,109	$532,417
2024	$2,124,132	$1,966,277	$7,103,462	$157,855
2023	$1,770,613	$1,697,043	$6,269,718	$73,570
2022	$1,821,584	$2,023,250	$5,841,913	$-201,666
2021	$1,921,273	$1,897,062	$5,742,102	$24,211
2020	$1,888,482	$1,743,615	$5,293,204	$144,867
2019	$1,523,256	$2,036,954	$4,901,175	$-513,698
2018	$1,699,469	$1,712,429	$5,160,533	$-12,960

ZONE MUTUAL WATER COMPANY