Blue Water Christian Life Association Inc (EIN 382999413) - 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

1991

Legal Domicile

Principal Officer

LeeAnn Shimmel

Phone

8103673770

Tax Period

2024-08-01 to 2025-07-31

Blue Water Christian Life Association Inc, founded in 1991, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion.

Mission

Operation of elementary and secondary school for Christian based education

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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 $131,378

Program Service Revenue $981,289

Investment Income $2,022

Other Revenue $107,679

TOTAL REVENUE $1,222,368

Expense Breakdown

Grants Paid $0

Salaries & Benefits $777,163

Fundraising Expenses $0

Program Expenses $762,220

Other Expenses $422,651

TOTAL EXPENSES $1,199,814

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,222,368	$1,108,678	+0.1%
Expenses	$1,199,814	$1,151,107	+0.0%
Net Income	$22,554	$-42,429	-1.5%

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

$38,130

Total Directors

$61,358

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Monica Nelson	Administrator	040.00	Officer Director	$38,130	$0	$38,130
Lee Ann Shimmel	Former Administrator	040.00	Director	$23,228	$0	$23,228
Sarah Ingles	President	002.00	Officer Director	$0	$0	$0
Rhyan Adamson	Vice President	002.00	Officer Director	$0	$0	$0
Renee Hernandez	Secretary	002.00	Officer Director	$0	$0	$0
Joel Higginbotham	Treasurer	002.00	Officer Director	$0	$0	$0
Tim Keller	Director	001.00	Director	$0	$0	$0
Ryan Dusci	Director	001.00	Director	$0	$0	$0
Tim Mattox	Director	001.00	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
2025	$1,222,368	$1,199,814	$1,023,341	$22,554
2024	$1,108,678	$1,151,107	$993,639	$-42,429
2023	$1,018,256	$1,034,369	$896,474	$-16,113
2022	$1,096,365	$835,664	$863,420	$260,701
2021	$725,851	$662,932	$817,617	$62,919
2020	$684,249	$712,026	$670,500	$-27,777
2019	$721,428	$730,103	$667,127	$-8,675

Blue Water Christian Life Association Inc