Civic Intelligence

Anchor Water Association Inc

EIN 63-0716892 • 501(c)12 • Oxford, MS

Profile

Operation of rural water system.

95 Cr 369Oxford, MS 38655

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

87th percentile

0.60x

Higher debt load relative to assets than 87% of similar nonprofits.

501(c)12 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

81st percentile

2.50x

Higher debt load relative to revenue than 81% of similar nonprofits.

501(c)12 • $1M-$5M nonprofits • Source year 2025

Net Margin

52nd percentile

7.2%

Higher net margin than 52% of similar nonprofits.

501(c)12 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

17th percentile

-3.5%

Faster asset growth than 17% of similar nonprofits.

501(c)12 • $1M-$5M nonprofits • Annualized from 2023 to 2025

Revenue Growth

24th percentile

-1.4%

Faster revenue growth than 24% of similar nonprofits.

501(c)12 • $1M-$5M nonprofits • Annualized from 2023 to 2025

Assets

Down

$1,329,565

Down $67,693 (-4.8%) from 2024

Liabilities

Down

$800,766

Down $90,713 (-10%) from 2024

Net Assets

Up

$528,799

Up $23,020 (+4.6%) from 2024

Revenue

Up

$320,389

Up $3,378 (+1.1%) from 2024

Expenses

Up

$297,369

Up $1,208 (+0.4%) from 2024

Net Income

Up

$23,020

Up $2,170 (+10%) from 2024

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,447,741Liabilities 2010: $692,275Net Assets 2010: $755,4662010Assets 2011: $1,386,013Liabilities 2011: $661,160Net Assets 2011: $724,8532011Assets 2012: $1,343,316Liabilities 2012: $630,815Net Assets 2012: $712,5012012Assets 2013: $1,311,513Liabilities 2013: $608,860Net Assets 2013: $702,6532013Assets 2014: $1,725,701Liabilities 2014: $1,086,887Net Assets 2014: $638,8142014Assets 2015: $1,638,363Liabilities 2015: $1,052,461Net Assets 2015: $585,9022015Assets 2016: $1,645,479Liabilities 2016: $1,022,408Net Assets 2016: $623,0712016Assets 2017: $1,563,109Liabilities 2017: $1,008,385Net Assets 2017: $554,7242017Assets 2018: $1,547,955Liabilities 2018: $995,488Net Assets 2018: $552,4672018Assets 2019: $1,497,297Liabilities 2019: $962,903Net Assets 2019: $534,3942019Assets 2020: $1,451,453Liabilities 2020: $948,135Net Assets 2020: $503,3182020Assets 2021: $1,406,941Liabilities 2021: $923,622Net Assets 2021: $483,3192021Assets 2022: $1,446,341Liabilities 2022: $993,003Net Assets 2022: $453,3382022Assets 2023: $1,428,009Liabilities 2023: $943,080Net Assets 2023: $484,9292023Assets 2024: $1,397,258Liabilities 2024: $891,479Net Assets 2024: $505,7792024Assets 2025: $1,329,565Liabilities 2025: $800,766Net Assets 2025: $528,7992025

Highlighted filing

2025

Assets$1,329,565
Liabilities$800,766
Net Assets$528,799

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$400K$300K$200K$100K$0-$100KExpenses 2010: $214,8132010Expenses 2011: $245,5922011Revenue 2012: $203,753Expenses 2012: $216,105Net Income 2012: -$12,3522012Revenue 2013: $214,826Expenses 2013: $224,674Net Income 2013: -$9,8482013Revenue 2014: $203,911Expenses 2014: $267,750Net Income 2014: -$63,8392014Revenue 2015: $228,951Expenses 2015: $281,863Net Income 2015: -$52,9122015Revenue 2016: $300,628Expenses 2016: $263,459Net Income 2016: $37,1692016Revenue 2017: $235,135Expenses 2017: $303,482Net Income 2017: -$68,3472017Revenue 2018: $270,565Expenses 2018: $272,822Net Income 2018: -$2,2572018Revenue 2019: $238,873Expenses 2019: $256,946Net Income 2019: -$18,0732019Revenue 2020: $258,593Expenses 2020: $289,669Net Income 2020: -$31,0762020Revenue 2021: $249,686Expenses 2021: $269,685Net Income 2021: -$19,9992021Revenue 2022: $253,523Expenses 2022: $283,504Net Income 2022: -$29,9812022Revenue 2023: $329,294Expenses 2023: $297,703Net Income 2023: $31,5912023Revenue 2024: $317,011Expenses 2024: $296,161Net Income 2024: $20,8502024Revenue 2025: $320,389Expenses 2025: $297,369Net Income 2025: $23,0202025

Highlighted filing

2025

Revenue$320,389
Expenses$297,369
Net Income$23,020

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.33$0.80$0.53$0.32$0.30$0.02
2024Detailed filing. Detailed filing data is available for this year.$1.40$0.89$0.51$0.32$0.30$0.02
2023Detailed filing. Detailed filing data is available for this year.$1.43$0.94$0.48$0.33$0.30$0.03
2022Detailed filing. Detailed filing data is available for this year.$1.45$0.99$0.45$0.25$0.28$0.03
2021Detailed filing. Detailed filing data is available for this year.$1.41$0.92$0.48$0.25$0.27$0.02
2020Detailed filing. Detailed filing data is available for this year.$1.45$0.95$0.50$0.26$0.29$0.03
2019Detailed filing. Detailed filing data is available for this year.$1.50$0.96$0.53$0.24$0.26$0.02
2018Detailed filing. Detailed filing data is available for this year.$1.55$1.00$0.55$0.27$0.27$0.00
2017Detailed filing. Detailed filing data is available for this year.$1.56$1.01$0.55$0.24$0.30$0.07
2016Detailed filing. Detailed filing data is available for this year.$1.65$1.02$0.62$0.30$0.26$0.04
2015Detailed filing. Detailed filing data is available for this year.$1.64$1.05$0.59$0.23$0.28$0.05
2014Detailed filing. Detailed filing data is available for this year.$1.73$1.09$0.64$0.20$0.27$0.06
2013Summary only. Only limited summary data is available for this year.$1.31$0.61$0.70$0.21$0.22$0.01
2012Summary only. Only limited summary data is available for this year.$1.34$0.63$0.71$0.20$0.22$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.39$0.66$0.72$0.25
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.45$0.69$0.76$0.21
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Sep 1, 2024 to Aug 31, 2025
Signed
Feb 3, 2026
Return Version
2024v5.0
Gross Receipts
$320,389
Mission and Program Overview

Mission

Operation of rural water system.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$1,031,998$949,750▼ $82,248
Rtn Earn Endowment Incm Other Fnds$505,779$528,799▲ $23,020
Savings and Temporary Cash Investments$101,809$225,034▲ $123,225
Cash and Non-Interest-Bearing Accounts$242,222$129,557▼ $112,665
Accounts Receivable$18,606$21,309▲ $2,703
Prepaid Expenses and Deferred Charges$2,433$2,790▲ $357
Total Assets$1,397,258$1,329,565▼ $67,693
Other Assets Total$190$1,125▲ $935
Liabilities
Unsecured Notes Loans Payable$840,791$753,099▼ $87,692
Other Liabilities$49,697$47,667▼ $2,030
Accounts Payable and Accrued Expenses$991--
Total Liabilities$891,479$800,766▼ $90,713
Net Assets / Fund Balance
Total Net Assets Fund Balance$505,779$528,799▲ $23,020
Total Liabilities and Net Assets / Fund Balance$1,397,258$1,329,565▼ $67,693

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$869,158$1,937,932$2,807,090
Buildings$57,492$40,851$98,343
Land$23,100-$23,100
Compensation and Service Providers

Board Members and Trustees

NameTitle
Bill McgregorPresident
Gerald MccartyDirector
Ron BeckhamDirector
Stephen ThweattDirector
Steve BeckhamDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$312,399
Investment Income
$7,990
Other Revenue
$0
Change in Net Assets
$23,020
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$270,657
Salaries, Compensation, and Employee Benefits$26,712
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Depreciation Depletion---$83,051
Fees for Services Other---$58,514
Interest---$29,368
Other Salaries and Wages---$24,800
Office Expenses---$17,683
All Other Expenses---$8,941
Insurance---$8,310
Fees for Services Accounting---$8,082
Other Expenses---$3,109
Payroll Taxes---$1,912
Total Functional Expenses$0$0$0$297,369
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Membership Fees$29,375
Membership Deposits$18,292
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

Every person who is a record owner of a fee or undivided fee interest, or holding a substantial possessory interest in a property served by the water system may become a member of the corporation upon (1) signing the appropriate applications; (2) signing agreements for the purchase of water to be provided, as required, by the corporation; and (3) making payment of any connection fee(s) as may be imposed by the board of directors. Only one membership at a time may be held for each property served by the association.

Form 990, Page 6, Part VI, Line 7A

Each membership interest in the corporation represents one vote. Directors of the corporation are elected at the annual meeting of the members. The board of directors, subject to the restrictions of law, the articles of incorporation, and the corporation's bylaws, has full power and authority to make all decisions with respect to the business of the corporation. The bylaws may be repealed or amended by a vote of the majority of the members present at any regular meeting of the corporation, or at any special meeting called for that purpose.

Form 990, Page 6, Part VI, Line 11B

Prior to filing form 990, each member of the board of directors is provided a completed copy of form 990 for review and approval.

Form 990, Page 6, Part VI, Line 19

The corporation makes financial statements available at its annual meeting upon request. The corporation also makes available upon request of inspection at its business office the following information: (i) bylaws of the corporation; (ii) a copy of the policies and procedures of the corporation; (iii) tax returns; and (iv) amendments to the comporation's bylaws.

Filing and Contact Details

Filer

Filer Name
Anchor Water Association Inc
EIN
63-0716892
Phone
6625136006
Address
95 CR 369, OXFORD, MS 38655

Signing Officer

Name
Bill Mcgregor
Title
President
Phone
6625136006
Signed
2026-02-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bill Mcgregor
Formed
1965
Legal Domicile
Ms
Voting Board Members
5
Independent Board Members
5
Employees
1

Preparer

Firm
Watkins Ward and Stafford Pllc
Address
606 SOUTH 16TH STREET, OXFORD, MS 38655
Preparer
Avery S Foster CPA
Phone
6622818900
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

Water sales to rural mississippi community.

Form 990, Part IX, Line 11G

Contract labor 58,514 0 0

Raw XML Appendix300 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0WATER SALES TO RURAL MISSISSIPPI COMMUNITY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EVERY PERSON WHO IS A RECORD OWNER OF A FEE OR UNDIVIDED FEE INTEREST, OR HOLDING A SUBSTANTIAL POSSESSORY INTEREST IN A PROPERTY SERVED BY THE WATER SYSTEM MAY BECOME A MEMBER OF THE CORPORATION UPON (1) SIGNING THE APPROPRIATE APPLICATIONS; (2) SIGNING AGREEMENTS FOR THE PURCHASE OF WATER TO BE PROVIDED, AS REQUIRED, BY THE CORPORATION; AND (3) MAKING PAYMENT OF ANY CONNECTION FEE(S) AS MAY BE IMPOSED BY THE BOARD OF DIRECTORS. ONLY ONE MEMBERSHIP AT A TIME MAY BE HELD FOR EACH PROPERTY SERVED BY THE ASSOCIATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EACH MEMBERSHIP INTEREST IN THE CORPORATION REPRESENTS ONE VOTE. DIRECTORS OF THE CORPORATION ARE ELECTED AT THE ANNUAL MEETING OF THE MEMBERS. THE BOARD OF DIRECTORS, SUBJECT TO THE RESTRICTIONS OF LAW, THE ARTICLES OF INCORPORATION, AND THE CORPORATION'S BYLAWS, HAS FULL POWER AND AUTHORITY TO MAKE ALL DECISIONS WITH RESPECT TO THE BUSINESS OF THE CORPORATION. THE BYLAWS MAY BE REPEALED OR AMENDED BY A VOTE OF THE MAJORITY OF THE MEMBERS PRESENT AT ANY REGULAR MEETING OF THE CORPORATION, OR AT ANY SPECIAL MEETING CALLED FOR THAT PURPOSE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PRIOR TO FILING FORM 990, EACH MEMBER OF THE BOARD OF DIRECTORS IS PROVIDED A COMPLETED COPY OF FORM 990 FOR REVIEW AND APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CORPORATION MAKES FINANCIAL STATEMENTS AVAILABLE AT ITS ANNUAL MEETING UPON REQUEST. THE CORPORATION ALSO MAKES AVAILABLE UPON REQUEST OF INSPECTION AT ITS BUSINESS OFFICE THE FOLLOWING INFORMATION: (I) BYLAWS OF THE CORPORATION; (II) A COPY OF THE POLICIES AND PROCEDURES OF THE CORPORATION; (III) TAX RETURNS; AND (IV) AMENDMENTS TO THE COMPORATION'S BYLAWS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CONTRACT LABOR 58,514 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART IX, LINE 11G
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IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt01397258
IRS990/TotalAssetsEOYAmt01329565
IRS990/TotalAssetsGrp/BOYAmt01397258
IRS990/TotalAssetsGrp/EOYAmt01329565
IRS990/TotalCompGreaterThan150KInd0false
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IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0297369
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0891479
IRS990/TotalLiabilitiesEOYAmt0800766
IRS990/TotalLiabilitiesGrp/BOYAmt0891479
IRS990/TotalLiabilitiesGrp/EOYAmt0800766
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0505779
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0528799
IRS990/TotalProgramServiceRevenueAmt0312399
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0320389
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0320389
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01397258
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01329565
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt0840791
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0753099
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt075 HWY 9 WEST
IRS990/USAddress/CityNm0OXFORD
IRS990/USAddress/StateAbbreviationCd0MS
IRS990/USAddress/ZIPCd038655
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0BILL MCGREGOR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06625136006
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ANCHOR WATER ASSOCIATION INC
ReturnHeader/Filer/BusinessNameControlTxt0ANCH
ReturnHeader/Filer/EIN0630716892
ReturnHeader/Filer/PhoneNum06625136006
ReturnHeader/Filer/USAddress/AddressLine1Txt095 CR 369
ReturnHeader/Filer/USAddress/CityNm0OXFORD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MS
ReturnHeader/Filer/USAddress/ZIPCd038655
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0640394922
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WATKINS WARD AND STAFFORD PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0606 SOUTH 16TH STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OXFORD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd038655
ReturnHeader/PreparerPersonGrp/PhoneNum06622818900
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AVERY S FOSTER CPA
ReturnHeader/ReturnTs02026-02-16T14:31:12-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-09-01
ReturnHeader/TaxPeriodEndDt02025-08-31
ReturnHeader/TaxYr02024

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