CLEAR WATERS LIFE CENTER

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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

2004

Legal Domicile

Principal Officer

RICK MOORE

Phone

2187762789

Tax Period

2024-01-01 to 2024-12-31

CLEAR WATERS LIFE CENTER, founded in 2004, is a small nonprofit in the Human Services sector that reported $728K in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion.

Mission

A FAITH-BASED COMMUNITY OF PEOPLE PROVIDING A PLACE TO IMPART HOPE AND ENRICH THE LIVES OF INDIVIDUALS AND FAMILIES.

Program Service Accomplishments

Program 1

Expenses: $83,576 Revenue: $13,016

SENIOR SERVICES IS FOR CLEARWATER COUNTY RESIDENTS 60 YR AND OVER. SERVICES INCLUDE TRANSPORTATION TO MEDICAL APPOINTMENTS, HOMECARE FOR GENERAL HOUSE WORK & CHORE SERVICE FOR SMALL OUTDOOR PROJECTS...

Program 2

Expenses: $181,998 Revenue: $83,271

MUSTARD SEED HOMES IS FOR ADULT MEN AND PROVIDES VOCATIONAL TRAINING, LIFE SKILLS TRAINING, MENTORING, SUPPORT GROUPS AND DEVELOPMENT OF A HEALTHY PHYSICAL AND SPIRITUAL LIFE.

Program 3

Expenses: $64,652 Revenue: $467

YOUTH CONNECTION IS AN AFTER SCHOOL YOUTH PROGRAM THAT PROVIDES A SAFE PLACE FOR PLAY, MENTORING, LEADERSHIP TRAINING AND FAMILY AND COMMUNITY CONNECTIONS.

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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 $449,165

Program Service Revenue $106,568

Investment Income $195

Other Revenue $171,601

TOTAL REVENUE $727,529

Expense Breakdown

Grants Paid $0

Salaries & Benefits $365,508

Fundraising Expenses $0

Program Expenses $530,683

Other Expenses $371,386

TOTAL EXPENSES $736,894

Year-over-Year Comparison

	2024	2023	Change
Revenue	$727,529	$640,377	+0.1%
Expenses	$736,894	$677,263	+0.1%
Net Income	$-9,365	$-36,886	-0.7%

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

100

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICK MOORE	PRESIDENT	4.00	Officer Director	$0	$0	$0
BRUCE EMMEL	VICE PRES./T	2.00	Officer Director	$0	$0	$0
AUDREY EMMEL	DIRECTOR	2.00	Director	$0	$0	$0
JOHN A NELSON	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN ENGEBRETSON	DIRECTOR	1.00	Director	$0	$0	$0
BRENDA ROULAND	SECRETARY	1.00	Officer Director	$0	$0	$0
EILEEN LIEN	DIRECTOR	1.00	Director	$0	$0	$0
RENEE HUTCHENS	DIRECTOR	1.00	Director	$0	$0	$0
LEANNE WALBERG	DIRECTOR	1.00	Director	$0	$0	$0
TRACY JUVE	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	$727,529	$736,894	$413,307	$-9,365
2023	$640,377	$677,263	$382,372	$-36,886
2022	$593,870	$649,913	$425,434	$-56,043
2021	$789,739	$583,784	$480,942	$205,955
2020	$564,724	$541,477	$330,856	$23,247
2019	$512,393	$524,103	$291,816	$-11,710
2018	$472,764	$484,572	$258,500	$-11,808