Civic Intelligence

Many Waters International Ministries

EIN 04-3716424 • 501(c)3 • Midland, MI

Profile

charitable religious and educational purposes

2285 Stark RoadMidland, MI 48642
Siviq Scores

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

Liabilities / Assets

93rd percentile

0.97x

Higher debt load relative to assets than 93% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

78th percentile

0.05x

Higher debt load relative to revenue than 78% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

32nd percentile

-8.5%

Higher net margin than 32% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

90th percentile

$30,000

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 15.7% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

16th percentile

-67%

Faster asset growth than 16% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

49th percentile

-3.6%

Faster revenue growth than 49% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$9,404

Down $18,731 (-67%) from 2023

Liabilities

Down

$9,081

Down $2,529 (-22%) from 2023

Net Assets

Down

$323

Down $16,202 (-98%) from 2023

Operations
Liabilities / Revenue78th percentileNet Margin32nd percentile

Revenue

Down

$190,549

Down $7,135 (-3.6%) from 2023

Expenses

Up

$206,751

Up $23,313 (+13%) from 2023

Net Income

Down

-$16,202

Down $30,448 (-214%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth16th percentile

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

$60K$40K$20K$0Assets 2011: $5,463Liabilities 2011: $2,9552011Assets 2012: $5,630Liabilities 2012: $9,5222012Assets 2013: $1,364Liabilities 2013: $12,7022013Assets 2014: $8,422Liabilities 2014: $12,7022014Assets 2015: $12,946Liabilities 2015: $12,7022015Assets 2016: $6,897Liabilities 2016: $12,7022016Assets 2017: $12,751Liabilities 2017: $12,7022017Assets 2018: $11,923Liabilities 2018: $12,7022018Assets 2019: $8,088Liabilities 2019: $12,7022019Assets 2020: $43,515Liabilities 2020: $12,7022020Assets 2021: $36,297Liabilities 2021: $12,702Net Assets 2021: $23,5952021Assets 2022: $14,981Liabilities 2022: $12,702Net Assets 2022: $2,2792022Assets 2023: $28,135Liabilities 2023: $11,610Net Assets 2023: $16,5252023Assets 2024: $9,404Liabilities 2024: $9,081Net Assets 2024: $3232024

Highlighted filing

2024

Assets$9,404
Liabilities$9,081
Net Assets$323
Open 2024 Filing

Operations Trend

Revenue Growth49th percentile

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

$300K$200K$100K$0-$100KRevenue 2011: $51,484Expenses 2011: $50,403Net Income 2011: $1,0812011Revenue 2012: $49,659Expenses 2012: $56,060Net Income 2012: -$6,4012012Revenue 2013: $51,659Expenses 2013: $56,109Net Income 2013: -$4,4502013Revenue 2014: $71,113Expenses 2014: $64,056Net Income 2014: $7,0572014Revenue 2015: $72,711Expenses 2015: $68,187Net Income 2015: $4,5242015Revenue 2016: $78,824Expenses 2016: $84,873Net Income 2016: -$6,0492016Revenue 2017: $82,383Expenses 2017: $76,529Net Income 2017: $5,8542017Revenue 2018: $89,644Expenses 2018: $90,472Net Income 2018: -$8282018Revenue 2019: $111,936Expenses 2019: $115,771Net Income 2019: -$3,8352019Revenue 2020: $116,535Expenses 2020: $81,109Net Income 2020: $35,4262020Revenue 2021: $179,817Expenses 2021: $187,035Net Income 2021: -$7,2182021Revenue 2022: $166,016Expenses 2022: $187,332Net Income 2022: -$21,3162022Revenue 2023: $197,684Expenses 2023: $183,438Net Income 2023: $14,2462023Revenue 2024: $190,549Expenses 2024: $206,751Net Income 2024: -$16,2022024

Highlighted filing

2024

Revenue$190,549
Expenses$206,751
Net Income-$16,202
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$9,404
Liabilities
$9,081
Net assets
$323
Revenue
$190,549
Expenses
$206,751
Net income
-$16,202
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.09$0.09$0.00$1.91$2.07$0.16
2023Detailed filing. Detailed filing data is available for this year.$0.28$0.12$0.17$1.98$1.83$0.14
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.15$0.13$0.02$1.66$1.87$0.21
2021Detailed filing. Detailed filing data is available for this year.$0.36$0.13$0.24$1.80$1.87$0.07
2020Summary only. Only limited summary data is available for this year.$0.44$0.13$1.17$0.81$0.35
2019Summary only. Only limited summary data is available for this year.$0.08$0.13$1.12$1.16$0.04
2018Summary only. Only limited summary data is available for this year.$0.12$0.13$0.90$0.90$0.01
2017Summary only. Only limited summary data is available for this year.$0.13$0.13$0.82$0.77$0.06
2016Summary only. Only limited summary data is available for this year.$0.07$0.13$0.79$0.85$0.06
2015Summary only. Only limited summary data is available for this year.$0.13$0.13$0.73$0.68$0.05
2014Summary only. Only limited summary data is available for this year.$0.08$0.13$0.71$0.64$0.07
2013Summary only. Only limited summary data is available for this year.$0.01$0.13$0.52$0.56$0.04
2012Summary only. Only limited summary data is available for this year.$0.06$0.10$0.50$0.56$0.06
2011Summary only. Only limited summary data is available for this year.$0.05$0.03$0.51$0.50$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 11, 2025
Return Version
2024v5.0
Gross Receipts
$190,549
Mission and Program Overview

Mission

charitable religious and educational purposes

Program Services

DescriptionGrantsExpenses
preaching, teaching, encouraging, evangelizing, educating, training the body of Christ. Traveling to many locations during the year to provide these religious programs.$0$206,751
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ray BenschPresidentFT$30,000-$30,000
Janine BenschVP, Treasurer-$0--
William BaileyDirector-$0--
Filing and Contact Details

Filer

Filer Name
Many Waters International Ministries
EIN
04-3716424
Phone
9898598456
Address
2285 Stark Road, Midland, MI 48642

Signing Officer

Name
Ray Bensch
Title
President
Phone
9894884452
Signed
2025-05-11
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 16

“Travel expenses, dues, subscriptions, charitable expenses, business supplies”

Form 990-EZ, Part II, Line 26

“A/P Owner”

Raw XML Appendix179 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.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BenefitsPaidToOrForMembersAmt04558
IRS990EZ/BooksInCareOfDetail/PersonNm0Ray Bensch
IRS990EZ/BooksInCareOfDetail/PhoneNum09898598456
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt02285 Stark Road
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Midland
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd048642
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt028135
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt09404
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt0190549
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt0-16202
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt00
IRS990EZ/FiledScheduleAInd01
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form1120PolFiledInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt028135
IRS990EZ/Form990TotalAssetsGrp/EOYAmt09404
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt0190549
IRS990EZ/GrossSalesOfInventoryAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt00
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/LobbyingActivitiesInd00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt016525
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0323
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt016525
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0323
IRS990EZ/OccupancyRentUtltsAndMaintAmt06321
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt040
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt030000
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Ray Bensch
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Janine Bensch
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2William Bailey
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VP, Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Director
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt0157873
IRS990EZ/OtherRevenueTotalAmt00
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0charitable religious and educational purposes
IRS990EZ/PrintingPublicationsPostageAmt07729
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0preaching, teaching, encouraging, evangelizing, educating, training the body of Christ. Traveling to many locations during the year to provide these religious programs.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0206751
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SalariesOtherCompEmplBnftAmt030270
IRS990EZ/SaleOfAssetsGrossAmt00
IRS990EZ/SchoolOperatingInd00
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt011610
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt09081
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt0206751
IRS990EZ/TotalProgramServiceExpensesAmt0206751
IRS990EZ/TotalRevenueAmt0190549
IRS990EZ/TransactionWithControlEntInd00
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0190549
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0197684
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0166016
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0179817
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0116535
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0850601
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearAmt00
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt01
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt01
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt00
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt00
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt0850601
IRS990ScheduleA/SubstantialContributorsTotAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0190549
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0197684
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0166016
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0179817
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0116535
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0850601
IRS990ScheduleA/TotalSupportAmt0850602
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearAmt00
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Travel expenses, dues, subscriptions, charitable expenses, business supplies
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A/P Owner
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part II, Line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Ray Bensch
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09894884452
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MANY WATERS INTERNATIONAL MINISTRIES
ReturnHeader/Filer/BusinessNameControlTxt0MANY
ReturnHeader/Filer/EIN0043716424
ReturnHeader/Filer/PhoneNum09898598456
ReturnHeader/Filer/USAddress/AddressLine1Txt02285 Stark Road
ReturnHeader/Filer/USAddress/CityNm0Midland
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048642
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-05-13T15:20:14-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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