THE FARM MUTUAL WATER COMPANY (EIN 953474522) - 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

1977

Legal Domicile

Principal Officer

KEVIN ANCTIL

Phone

9512444198

Tax Period

2025-01-01 to 2025-12-31

THE FARM MUTUAL WATER COMPANY, founded in 1977, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2025.

Mission

THE COMPANY'S MISSION AS A MUTUAL WATER COMPANY IS TO PROVIDE WATER AND SEWER SERVICES TO ITS 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 $2,076,063

Investment Income $5

Other Revenue $0

TOTAL REVENUE $2,076,068

Expense Breakdown

Grants Paid $0

Salaries & Benefits $819,792

Fundraising Expenses $0

Program Expenses $2,184,233

Other Expenses $1,364,441

TOTAL EXPENSES $2,184,233

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,076,068	$1,963,414	+0.1%
Expenses	$2,184,233	$2,216,588	0.0%
Net Income	$-108,165	$-253,174	-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

$31,200

Total Directors

$39,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN ANCTIL	President	2.00	Officer Director	$7,800	$0	$7,800
BOB KORNMANN III	Vice President	2.00	Officer Director	$7,800	$0	$7,800
LHORAN JOHNS	Director	2.00	Director	$7,800	$0	$7,800
JANINE TOMINAGA	Secretary	2.00	Officer Director	$7,800	$0	$7,800
DAVID FREIBERG	Treasurer	2.00	Officer Director	$7,800	$0	$7,800

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	$2,076,068	$2,184,233	$4,287,788	$-108,165
2024	$1,963,414	$2,216,588	$4,475,026	$-253,174
2023	$1,580,069	$1,976,467	$4,790,776	$-396,398
2022	$1,555,723	$1,870,805	$5,188,879	$-315,082
2021	$1,501,937	$1,840,602	$5,537,159	$-338,665
2020	$1,604,519	$1,844,640	$5,954,595	$-240,121
2019	$1,420,866	$1,653,839	$6,180,603	$-232,973
2018	$1,471,427	$1,642,295	$6,450,598	$-170,868

THE FARM MUTUAL WATER COMPANY