Rurban Home Mutual Water Co (EIN 951657197) - 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

1952

Legal Domicile

Tax Period

2019-01-01 to 2019-12-31

Rurban Home Mutual Water Co, founded in 1952, is a small nonprofit that reported $299K in total revenue in fiscal year 2019. Revenue surged 78% from the prior year, signaling strong growth momentum. The organization ran a surplus of $59K, a strong 20% operating margin.

Mission

Provide an affordable Utility for low income families. The Product is water

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $286,030

Investment Income $13,194

Other Revenue $0

TOTAL REVENUE $299,224

Expense Breakdown

Grants Paid $0

Salaries & Benefits $20,166

Fundraising Expenses $0

Program Expenses $239,917

Other Expenses $219,751

TOTAL EXPENSES $239,917

Year-over-Year Comparison

	2019	2018	Change
Revenue	$299,224	$167,653	+0.8%
Expenses	$239,917	$162,855	+0.5%
Net Income	$59,307	$4,798	+11.4%

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

N/A

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
Michael Cox	Chief Executive Officer	20.00	Officer	$0	$0	$0
Howard Owens	Secretary	0.00	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
2019	$299,224	$239,917	$769,207	$59,307
2018	$167,653	$162,855	$709,900	$4,798

Rurban Home Mutual Water Co