RANCHO PAUMA MUTUAL WATER COMPANY (EIN 956038239) - 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

1956

Legal Domicile

Phone

7606154050

Tax Period

2024-11-01 to 2025-10-31

RANCHO PAUMA MUTUAL WATER COMPANY, founded in 1956, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2024. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $415K, a strong 19% operating margin.

Mission

THE COMPANY IS A STOCKHOLDER-OWNED MUTUAL BENEFIT CORPORATION FORMED TO PROVIDE WATER UTILITY SERVICES FOR THE BENEFIT OF ITS STOCKHOLDERS AND 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,135,821

Investment Income $43,792

Other Revenue $0

TOTAL REVENUE $2,179,613

Expense Breakdown

Grants Paid $0

Salaries & Benefits $615,307

Fundraising Expenses $0

Program Expenses $1,764,963

Other Expenses $1,149,656

TOTAL EXPENSES $1,764,963

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,179,613	$1,766,151	+0.2%
Expenses	$1,764,963	$1,654,943	+0.1%
Net Income	$414,650	$111,208	+2.7%

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
SCOTT SHINNER	Director	2.00	Officer Director	$0	$0	$0
CHUCK BRANDY	President	2.00	Officer Director	$0	$0	$0
BRUCE KNOX	Treasurer	1.00	Officer Director	$0	$0	$0
LAURA KARIYA	Vice President	1.00	Officer Director	$0	$0	$0
LINDA SHOAFF	Secretary	1.00	Officer Director	$0	$0	$0
AMBER ADAMS	ADMINISTRATIVE MANAGER	40.00		$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	$2,179,613	$1,764,963	$4,783,940	$414,650
2024	$1,766,151	$1,654,943	$4,409,503	$111,208
2023	$1,437,208	$1,601,818	$4,346,240	$-164,610
2022	$1,589,622	$1,334,033	$4,468,112	$255,589
2021	$1,754,250	$1,887,098	$4,197,524	$-132,848
2020	$1,777,137	$1,237,048	$4,332,776	$540,089
2019	$1,511,974	$1,450,006	$3,806,326	$61,968
2018	$2,337,619	$1,673,591	$3,787,774	$664,028

RANCHO PAUMA MUTUAL WATER COMPANY