S & T MUTUAL WATER CO (EIN 956102051) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1961

Legal Domicile

Principal Officer

ANN WRIDE

Phone

8055281377

Tax Period

2024-01-01 to 2024-12-31

S & T MUTUAL WATER CO, founded in 1961, is a small nonprofit that reported $282K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $257K left a modest 9% surplus.

Mission

PROVIDE WATER TO SHAREHOLDER MEMBERS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $277,835

Investment Income $3,092

Other Revenue $1,438

TOTAL REVENUE $282,365

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $206,056

Other Expenses $257,172

TOTAL EXPENSES $257,172

Year-over-Year Comparison

	2024	2023	Change
Revenue	$282,365	$250,840	+0.1%
Expenses	$257,172	$281,227	-0.1%
Net Income	$25,193	$-30,387	-1.8%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

Employees

N/A

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

$11,300

Total Directors

$11,300

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JULIE MCADON	President	1.00	Officer Director	$9,540	$0	$9,540
ANN WRIDE	Treasurer	1.00	Officer Director	$1,760	$0	$1,760
CHRIS GARDNER	Director	1.00	Director	$0	$0	$0
SERENA KACHAROS-WARREN	Vice President	1.00	Officer Director	$0	$0	$0
AARON FLOYD	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
2024	$282,365	$257,172	$405,379	$25,193
2023	$250,840	$281,227	$399,563	$-30,387
2019	$136,402	$107,253	$498,743	$29,149

S & T MUTUAL WATER CO