BLUE WATER PREGNANCY CARE CENTER DBA SPERO CENTER (EIN 382774182) - 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

1986

Legal Domicile

Principal Officer

KARYN MCCUE

Phone

8103358419

Tax Period

2023-01-01 to 2023-12-31

BLUE WATER PREGNANCY CARE CENTER DBA SPERO CENTER, founded in 1986, is a small nonprofit in the Health Care sector that reported $516K in total revenue in fiscal year 2023. Revenue decreased 13% compared to the prior year. The organization ran a surplus of $107K, a strong 21% operating margin.

Mission

MEDICAL PREGNANCY HELP CLINIC

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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 (2023)

Revenue Breakdown

Contributions & Grants $546,378

Program Service Revenue $0

Investment Income $2,814

Other Revenue $-32,951

TOTAL REVENUE $516,241

Expense Breakdown

Grants Paid $0

Salaries & Benefits $244,990

Fundraising Expenses $0

Program Expenses $300,861

Other Expenses $163,814

TOTAL EXPENSES $408,804

Year-over-Year Comparison

	2023	2022	Change
Revenue	$516,241	$593,853	-0.1%
Expenses	$408,804	$409,981	0.0%
Net Income	$107,437	$183,872	-0.4%

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

$61,608

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MINDY CHARRON	CHAIR	2.00	Officer Director	$0	$0	$0
MICHAEL MILLS	VICE CHAIR	1.00	Officer Director	$0	$0	$0
ED NEIMAN	DIRECTOR	1.00	Director	$0	$0	$0
CECELIA COMBS	DIRECTOR	1.00	Director	$0	$0	$0
CHIP VANCAMP	DIRECTOR	1.00	Director	$0	$0	$0
KARYN MCCUE	SECRETARY/TREASURER	5.00	Officer Director	$0	$0	$0
MICHELLE HULETT	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER MACDONALD	EXECUTIVE DIRECTOR	40.00	Officer	$61,608	$0	$61,608

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	No data	No data	No data	No data
2023	$516,241	$408,804	$740,731	$107,437
2022	$593,853	$409,981	$817,946	$183,872
2021	$529,037	$403,220	$634,075	$125,817
2020	$400,977	$289,822	$508,258	$111,155
2019	$362,855	$313,300	$397,103	$49,555
2018	$293,905	$245,444	$347,549	$48,461

BLUE WATER PREGNANCY CARE CENTER DBA SPERO CENTER