BLUE WATER COMMUNITY ACTION (EIN 382284121) - 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

1979

Legal Domicile

Principal Officer

KAREN LAKE

Phone

8109828541

Tax Period

2024-10-01 to 2025-09-30

BLUE WATER COMMUNITY ACTION, founded in 1979, is a community nonprofit in the Community Improvement sector that reported $3.7M in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum.

Mission

TO PLAN, ESTABLISH, COORDINATE, OPERATE PROGRAMS AND CONDUCT ACTIVITIES WHICH GIVE PROMISE OF PROGRESS TOWARD ELIMINATING AND ATTACKING THE CAUSE OF POVERTY IN ST. CLAIR COUNTY.

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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 $3,274,492

Program Service Revenue $420,381

Investment Income $199

Other Revenue $22,041

TOTAL REVENUE $3,717,113

Expense Breakdown

Grants Paid $1,737,029

Salaries & Benefits $1,392,340

Fundraising Expenses $0

Program Expenses $3,238,682

Other Expenses $818,937

TOTAL EXPENSES $3,948,306

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,717,113	$3,057,893	+0.2%
Expenses	$3,948,306	$3,258,972	+0.2%
Net Income	$-231,193	$-201,079	+0.1%

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

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

$100,970

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BARBARA PAYTON	MEMBER	0.75	Director	$0	$0	$0
SHANNON MCKEEVER	MEMBER	0.75	Director	$0	$0	$0
DAVE VANDENBOSSCHE	MEMBER	0.75	Director	$0	$0	$0
BENITA DAVIS	MEMBER	0.75	Director	$0	$0	$0
SARAH LAFORGE	MEMBER	0.75	Director	$0	$0	$0
KAREN LAKE	EXECUTIVE DIRECTOR	41.00	Officer	$88,831	$12,139	$100,970
JORJA BALDWIN	CHAIRPERSON	0.75	Officer	$0	$0	$0
RANDY BENNETT	TREASURER	0.75	Officer	$0	$0	$0
KEVIN WATKINS	VICE CHAIRPERSON	0.75	Officer	$0	$0	$0
BOBBIE CUTCHER	SECRETARY	0.75	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
2025	$3,717,113	$3,948,306	$2,622,812	$-231,193
2024	$3,057,893	$3,258,972	$3,023,069	$-201,079
2023	$7,600,887	$7,725,839	$3,231,615	$-124,952
2022	$11,929,588	$11,561,627	$3,502,339	$367,961
2021	$9,991,743	$10,079,744	$3,539,859	$-88,001
2020	$7,389,666	$7,329,786	$3,260,700	$59,880
2019	$7,502,938	$6,980,986	$3,317,894	$521,952
2018	$6,284,183	$6,202,298	$1,513,891	$81,885

BLUE WATER COMMUNITY ACTION