Civic Intelligence

Blue Water Community Action

990 • Fiscal year 2024 • EIN 38-2284121

Oct 01, 2023 to Sep 30, 2024 • Filed on Apr 07, 2025

Organization ProfileWWW.BWCAA.ORG

View Organization Page

3403 Lapeer RoadPort Huron, MI 48060

(810) 982-8541

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

88th percentile

0.62x

Higher debt load relative to assets than 88% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

84th percentile

0.62x

Higher debt load relative to revenue than 84% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

26th percentile

-6.6%

Higher net margin than 26% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

76th percentile

$126,006

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 4.1% of source-year revenue.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

19th percentile

-6.5%

Faster asset growth than 19% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

3rd percentile

-60%

Faster revenue growth than 3% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets88th percentile

Assets

Down

$3,023,069

Down $208,546 (-6.5%) from 2023

Net Assets

Down

$1,141,157

Down $201,079 (-15%) from 2023

Liabilities

Down

$1,881,912

Down $7,467 (-0.4%) from 2023

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin26th percentile

Revenue

Down

$3,057,893

Down $4,542,994 (-60%) from 2023

Expenses

Down

$3,258,972

Down $4,466,867 (-58%) from 2023

Net Income

Down

-$201,079

Down $76,127 (-61%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth19th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $3,179,775Liabilities 2010: $2,455,522Net Assets 2010: $724,2532010Assets 2011: $3,001,876Liabilities 2011: $2,392,511Net Assets 2011: $609,3652011Assets 2012: $2,089,740Liabilities 2012: $1,723,587Net Assets 2012: $366,1532012Assets 2013: $1,773,637Liabilities 2013: $1,398,821Net Assets 2013: $374,8162013Assets 2014: $1,737,759Liabilities 2014: $1,140,998Net Assets 2014: $596,7612014Assets 2015: $1,410,357Liabilities 2015: $883,653Net Assets 2015: $526,7042015Assets 2016: $1,296,670Liabilities 2016: $834,285Net Assets 2016: $462,3852016Assets 2017: $1,412,214Liabilities 2017: $858,703Net Assets 2017: $553,5112017Assets 2018: $1,513,891Liabilities 2018: $878,495Net Assets 2018: $635,3962018Assets 2019: $3,317,894Liabilities 2019: $2,190,546Net Assets 2019: $1,127,3482019Assets 2020: $3,260,700Liabilities 2020: $2,073,472Net Assets 2020: $1,187,2282020Assets 2021: $3,539,859Liabilities 2021: $2,440,632Net Assets 2021: $1,099,2272021Assets 2022: $3,502,339Liabilities 2022: $2,035,151Net Assets 2022: $1,467,1882022Assets 2023: $3,231,615Liabilities 2023: $1,889,379Net Assets 2023: $1,342,2362023Assets 2024: $3,023,069Liabilities 2024: $1,881,912Net Assets 2024: $1,141,1572024

Highlighted filing

2024

Assets$3,023,069
Liabilities$1,881,912
Net Assets$1,141,157
Open 2024 Filing

Operations Trend

Revenue Growth3rd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$15M$10M$5.0M$0-$5.0MExpenses 2010: $6,794,9442010Revenue 2011: $7,781,931Expenses 2011: $7,896,819Net Income 2011: -$114,8882011Expenses 2012: $6,398,5822012Revenue 2013: $5,271,917Expenses 2013: $5,263,254Net Income 2013: $8,6632013Revenue 2014: $5,431,799Expenses 2014: $5,209,854Net Income 2014: $221,9452014Revenue 2015: $5,033,794Expenses 2015: $5,103,851Net Income 2015: -$70,0572015Revenue 2016: $5,388,851Expenses 2016: $5,453,170Net Income 2016: -$64,3192016Revenue 2017: $5,631,384Expenses 2017: $5,540,258Net Income 2017: $91,1262017Revenue 2018: $6,284,183Expenses 2018: $6,202,298Net Income 2018: $81,8852018Revenue 2019: $7,502,938Expenses 2019: $6,980,986Net Income 2019: $521,9522019Revenue 2020: $7,389,666Expenses 2020: $7,329,786Net Income 2020: $59,8802020Revenue 2021: $9,991,743Expenses 2021: $10,079,744Net Income 2021: -$88,0012021Revenue 2022: $11,929,588Expenses 2022: $11,561,627Net Income 2022: $367,9612022Revenue 2023: $7,600,887Expenses 2023: $7,725,839Net Income 2023: -$124,9522023Revenue 2024: $3,057,893Expenses 2024: $3,258,972Net Income 2024: -$201,0792024

Highlighted filing

2024

Revenue$3,057,893
Expenses$3,258,972
Net Income-$201,079
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Apr 7, 2025
Return Version
2023v6.0
Gross Receipts
$3,086,606
Mission and Program Overview

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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$1,781,635$1,675,771▼ $105,864
Cash and Non-Interest-Bearing Accounts$899,987$898,705▼ $1,282
Pledges and Grants Receivable$452,897$349,433▼ $103,464
Inventories for Sale or Use$68,586$68,586→ $0
Prepaid Expenses and Deferred Charges$28,510$30,574▲ $2,064
Total Assets$3,231,615$3,023,069▼ $208,546
Liabilities
Mortgage Notes Payable Secured by Investment Property$1,387,705$1,352,760▼ $34,945
Escrow Account Liability$271,996$221,565▼ $50,431
Deferred Revenue$71,301$159,475▲ $88,174
Accounts Payable and Accrued Expenses$158,377$148,112▼ $10,265
Total Liabilities$1,889,379$1,881,912▼ $7,467
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,206,825$1,035,053▼ $171,772
Net Assets With Donor Restrictions$135,411$106,104▼ $29,307
Total Net Assets Fund Balance$1,342,236$1,141,157▼ $201,079
Total Liabilities and Net Assets / Fund Balance$3,231,615$3,023,069▼ $208,546

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,379,894$210,061$1,589,955
Equipment$145,877$204,563$350,440
Land$150,000-$150,000
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Karen LakeExecutive DirectorFT$105,612$20,394$126,006

Board Members and Trustees

NameTitle
Linda LillyChairperson
Jorja BaldwinVice Chairperson
Benita DavisMember
Bob MosurakMember
Bobbie CutcherMember
Kevin WatkinsMember
Randy BennettMember
Michael KovalcsikSecretary
Nancy HughesTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Quality HandymanWeatherization4940 HARRIS, Lakeport, MI 48059$185,890
White Heating And CoolingWeatherization5325 POINTE TREMBLE RD, Algonac, MI 48001$130,031
Revenue and Support

Revenue Composition

Contributions and Grants
$2,705,745
Program Service Revenue
$377,099
Investment Income
$321
Other Revenue
$-25,272
All Other Contributions
$705,521
Change in Net Assets
$-201,079

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,057,893
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$28,713
Total Revenue per Audited Statements
$3,086,606
Total Revenue per Form 990
$3,057,893
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,335,564
Grants and Similar Amounts Paid$1,322,746
Other Expenses$600,662
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$971,655--$971,655
Other Salaries and Wages$601,257$318,042-$919,299
Grants to Domestic Orgs$351,091--$351,091
Other Employee Benefits$157,516$40,848-$198,364
Occupancy$148,358$45,128-$193,486
Current Officers, Directors, Trustees, and Key Employees-$122,646-$122,646
Depreciation Depletion$105,864--$105,864
Fees for Services Other$43,350$44,620-$87,970
Payroll Taxes$44,404$30,082-$74,486
Interest$50,495--$50,495
Fees for Services Legal-$41,074-$41,074
Fees for Services Accounting-$40,520-$40,520
Pension Plan Contributions$16,695$4,074-$20,769
Other Expenses$10,265$5,567-$15,832
Conferences and Meetings$7,239$701-$7,940
Travel$6,409$555-$6,964
Total Functional Expenses$2,537,505$721,467$0$3,258,972

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$3,287,685
Expenses per Audited Statements$3,258,972
Total Expenses per Form 990$3,258,972
Expenses Not Reported on Form 990$28,713
Expenses Not Reported on Financial Statements$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Bhk Community ActionHoughton, MI-Weatherization$126,306
The HarborMt Clemens, MI-Emergency Shelter Services$70,942
Community Action of South Central MichiganBattle Creek, MI-Weatherization$52,485
Ottawa Community ActionHolland, MI-Weatherization$49,227
Detroit Rescue MissionDetroit, MI-Emergency Shelter Services$29,002
Gogebic Ontonagon Community Action AgencyOntonagon, MI-Weatherization$16,341
Southwest Michigan Community Action AgencyBenton Harbor, MI-Weatherization$6,788
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$28,713
Fundraising Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“Organization's process to review form 990: audit firm will prepare 990 with information provided by blue water community action. Fiscal director will review the 990 and compare it to the audited records. The 990 will then go to the executive director who will also compare it to the audited financial records and present the form to the board of directors who will then approve data.”

Form 990, Part VI, Section B, Line 12C

“Enforcement of conflicts policy: individuals are expected to state publicly or to the executive director if there is a conflict. It is a small community so most people know everyone and know if a conflict exists.”

Form 990, Part VI, Section B, Line 15A

“Compensation process for executive director: the executive director's performance is reviewed annually. Hhs cola information/increase is used to help determine salary increases. Additional increases are at the discretion of the board of directors. A wage comparibility survey is completed every three to five years and shared with the board if relevant to the request.”

Form 990, Part VI, Section C, Line 19

“Governing documents disclosure explanation: governing documents are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Blue Water Community Action
EIN
38-2284121
Phone
8109828541
Address
3403 LAPEER ROAD, PORT HURON, MI 48060

Signing Officer

Name
Karen Lake
Title
Executive Director
Phone
8109828541
Signed
2025-04-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Karen Lake
Formed
1979
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
127
Volunteers
0

Preparer

Firm
Uhy Advisors Great Lakes Inc
Address
1979 HOLLAND AVE SUITE A, PORT HURON, MI 48060
Preparer
Jessica Walz
Phone
8109843829
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Contracted services: program service expenses 14,075. Management and general expenses 16,066. Fundraising expenses 0. Total expenses 30,141. Other: program service expenses 29,275. Management and general expenses 28,554. Fundraising expenses 0. Total expenses 57,829.”

Financial Statement Notes

PART IV, LINE 2B:

“Blue water community action holds money for clients who are part of the money management program. Bwca holds client's funds and disburses it in an effort to teach clients how to manage their money responsibly.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Fundraising expenses 28,713.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Fundraising expense 28,713.”

Raw XML AppendixShowing 400 of 568 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0158377
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0148112
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO 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.
IRS990/AllOtherContributionsAmt0705521
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0KAREN LAKE
IRS990/BooksInCareOfDetail/PhoneNum08109828541
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03403 LAPEER ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0PORT HURON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048060
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt0899987
IRS990/CashNonInterestBearingGrp/EOYAmt0898705
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0122646
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0122646
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt0701
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt07239
IRS990/ConferencesMeetingsGrp/TotalAmt07940
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0185890
IRS990/ContractorCompensationGrp/CompensationAmt1130031
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt04940 HARRIS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt15325 POINTE TREMBLE RD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0LAKEPORT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1ALGONAC
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd048059
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd148001
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0QUALITY HANDYMAN
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1WHITE HEATING AND COOLING
IRS990/ContractorCompensationGrp/ServicesDesc0WEATHERIZATION
IRS990/ContractorCompensationGrp/ServicesDesc1WEATHERIZATION
IRS990/ContriRptFundraisingEventAmt013022
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt02705745
IRS990/CYGrantsAndSimilarPaidAmt01322746
IRS990/CYInvestmentIncomeAmt0321
IRS990/CYOtherExpensesAmt0600662
IRS990/CYOtherRevenueAmt0-25272
IRS990/CYProgramServiceRevenueAmt0377099
IRS990/CYRevenuesLessExpensesAmt0-201079
IRS990/CYSalariesCompEmpBnftPaidAmt01335564
IRS990/CYTotalExpensesAmt03258972
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03057893
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt071301
IRS990/DeferredRevenueGrp/EOYAmt0159475
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0105864
IRS990/DepreciationDepletionGrp/TotalAmt0105864
IRS990/Desc0CHILDREN'S SERVICES - COMPREHENSIVE PRESCHOOL EXPERIENCES DESIGNED TO PREPARE CHILDREN FROM PRENATAL TO AGE FIVE, INCLUDING CHILDREN WITH DISABILITIES, FOR SOCIAL SUCCESS.
IRS990/DescribedInSection501c3Ind01
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRestrictionNetAssetsGrp/BOYAmt0135411
IRS990/DonorRestrictionNetAssetsGrp/EOYAmt0106104
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt0127
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EngagedInExcessBenefitTransInd00
IRS990/EscrowAccountLiabilityGrp/BOYAmt0271996
IRS990/EscrowAccountLiabilityGrp/EOYAmt0221565
IRS990/ExpenseAmt01972
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditPerformedInd01
IRS990/FederalGrantAuditRequiredInd01
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt040520
IRS990/FeesForServicesAccountingGrp/TotalAmt040520
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt041074
IRS990/FeesForServicesLegalGrp/TotalAmt041074
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt044620
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt043350
IRS990/FeesForServicesOtherGrp/TotalAmt087970
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt646.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.75
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90.75
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt620394
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0BENITA DAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm1BOB MOSURAK
IRS990/Form990PartVIISectionAGrp/PersonNm2KEVIN WATKINS
IRS990/Form990PartVIISectionAGrp/PersonNm3RANDY BENNETT
IRS990/Form990PartVIISectionAGrp/PersonNm4BOBBIE CUTCHER
IRS990/Form990PartVIISectionAGrp/PersonNm5JORJA BALDWIN
IRS990/Form990PartVIISectionAGrp/PersonNm6KAREN LAKE
IRS990/Form990PartVIISectionAGrp/PersonNm7LINDA LILLY
IRS990/Form990PartVIISectionAGrp/PersonNm8NANCY HUGHES
IRS990/Form990PartVIISectionAGrp/PersonNm9MICHAEL KOVALCSIK
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6105612
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt6EXECUTIVE DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt8TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt9SECRETARY
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01979
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/FundraisingAmt013022
IRS990/FundraisingDirectExpensesAmt028713
IRS990/FundraisingGrossIncomeAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GovernmentGrantsAmt01987202
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt0971655
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt0971655
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt0351091
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0351091
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt03086606
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/ProgramServicesAmt050495
IRS990/InterestGrp/TotalAmt050495
IRS990/InventoriesForSaleOrUseGrp/BOYAmt068586
IRS990/InventoriesForSaleOrUseGrp/EOYAmt068586
IRS990/InvestmentIncomeGrp/ExclusionAmt0321
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0321
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt057
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0414624
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01781635
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01675771
IRS990/LandBldgEquipCostOrOtherBssAmt02090395
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt01387705
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt01352760
IRS990/NetAssetsOrFundBalancesBOYAmt01342236
IRS990/NetAssetsOrFundBalancesEOYAmt01141157
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt0-28713
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt0-28713
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt01206825
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt01035053
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt045128
IRS990/OccupancyGrp/ProgramServicesAmt0148358
IRS990/OccupancyGrp/TotalAmt0193486
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt040848
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0157516
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0198364
IRS990/OtherExpensesGrp/Desc0EQUIPMENT
IRS990/OtherExpensesGrp/Desc1COMMUNICATION
IRS990/OtherExpensesGrp/Desc2PROGRAM SUPPLIES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt021085
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt16525
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt25567
IRS990/OtherExpensesGrp/ProgramServicesAmt010054
IRS990/OtherExpensesGrp/ProgramServicesAmt112853
IRS990/OtherExpensesGrp/ProgramServicesAmt210265
IRS990/OtherExpensesGrp/TotalAmt031139
IRS990/OtherExpensesGrp/TotalAmt119378
IRS990/OtherExpensesGrp/TotalAmt215832
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0OTHER REVENUE
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt03441
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt03441
IRS990/OtherRevenueTotalAmt03441
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0318042
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0601257
IRS990/OtherSalariesAndWagesGrp/TotalAmt0919299
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt030082
IRS990/PayrollTaxesGrp/ProgramServicesAmt044404
IRS990/PayrollTaxesGrp/TotalAmt074486
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt04074
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt016695
IRS990/PensionPlanContributionsGrp/TotalAmt020769
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0452897
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0349433
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt028510
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt030574
IRS990/PrincipalOfficerNm0KAREN LAKE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0532000
IRS990/ProgramServiceRevenueGrp/BusinessCd1812900
IRS990/ProgramServiceRevenueGrp/BusinessCd2525920
IRS990/ProgramServiceRevenueGrp/Desc0RENTAL INCOME
IRS990/ProgramServiceRevenueGrp/Desc1DEBT MANAGEMENT FEES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0294938
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt178297
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt23864
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0294938
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt178297
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23864
IRS990/ProgSrvcAccomActy2Grp/Desc0COMMUNITY SERVICES - SERVICES FOR LOW-INCOME RESIDENTS OF ST. CLAIR COUNTY, INCLUDING FINANCIAL ASSISTANCE, HEALTH AND NUTRITION SERVICES, AND HOUSING AND ENERGY SERVICES.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt02162535
IRS990/ProgSrvcAccomActy2Grp/GrantAmt01294036
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt012472
IRS990/ProgSrvcAccomActy3Grp/Desc0OTHER SERVICES - DEBT MANAGEMENT AND CORPORATE ACTIVITIES.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0372998
IRS990/ProgSrvcAccomActy3Grp/GrantAmt028710
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0368068
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt07374617
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt01526141
IRS990/PYInvestmentIncomeAmt0299
IRS990/PYOtherExpensesAmt01464106
IRS990/PYOtherRevenueAmt0-7398
IRS990/PYProgramServiceRevenueAmt0233369
IRS990/PYRevenuesLessExpensesAmt0-124952
IRS990/PYSalariesCompEmpBnftPaidAmt04735592
IRS990/PYTotalExpensesAmt07725839
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07600887
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-201079
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt02705745
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt07374617
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt011699433
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt09760771
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt07166719
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt038707285
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0321
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0299
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0102
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt02678
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt03198
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt06598
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt01284286
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt03441
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt011615
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt02510
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt03612
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt05368
IRS990ScheduleA/OtherIncome170Grp/TotalAmt026546
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99910
IRS990ScheduleA/PublicSupportPY170Pct00.99410
IRS990ScheduleA/PublicSupportTotal170Amt038707285
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt02705745
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt07374617
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt011699433
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt09760771
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt07166719
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt038707285
IRS990ScheduleA/TotalSupportAmt038740429
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
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01379894
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0210061
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01589955
IRS990ScheduleD/EquipmentGrp/BookValueAmt0145877
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0204563
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0350440
IRS990ScheduleD/ExpensesNotReportedAmt028713
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt03258972
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0150000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0150000
IRS990ScheduleD/OtherExpensesIncludedAmt028713
IRS990ScheduleD/OtherRevenueAmt028713
IRS990ScheduleD/RevenueNotReportedAmt028713
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt03057893
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0BLUE WATER COMMUNITY ACTION HOLDS MONEY FOR CLIENTS WHO ARE PART OF THE MONEY MANAGEMENT PROGRAM. BWCA HOLDS CLIENT'S FUNDS AND DISBURSES IT IN AN EFFORT TO TEACH CLIENTS HOW TO MANAGE THEIR MONEY RESPONSIBLY.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1FUNDRAISING EXPENSES 28,713.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2FUNDRAISING EXPENSE 28,713.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01675771
IRS990ScheduleD/TotalExpensesPerForm990Amt03258972
IRS990ScheduleD/TotalRevenuePerForm990Amt03057893
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt03086606
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt03287685
IRS990ScheduleI/GrantRecordsMaintainedInd00
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt055270
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt1211860
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt2647567
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt328710
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt428248
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0UTILITY ASSISTANCE

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$3,023,069
Liabilities
$1,881,912
Net assets
$1,141,157
Revenue
$3,057,893
Expenses
$3,258,972
Net income
-$201,079
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.02$1.88$1.14$3.06$3.26$0.20
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.23$1.89$1.34$7.60$7.73$0.12
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.50$2.04$1.47$11.9$11.6$0.37
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.54$2.44$1.10$9.99$10.1$0.09
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.26$2.07$1.19$7.39$7.33$0.06
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.32$2.19$1.13$7.50$6.98$0.52
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.51$0.88$0.64$6.28$6.20$0.08
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.41$0.86$0.55$5.63$5.54$0.09
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.30$0.83$0.46$5.39$5.45$0.06
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.41$0.88$0.53$5.03$5.10$0.07
2014Detailed filing. Detailed filing data is available for this year.$1.74$1.14$0.60$5.43$5.21$0.22
2013Summary only. Only limited summary data is available for this year.$1.77$1.40$0.37$5.27$5.26$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.09$1.72$0.37$6.40
2011Summary only. Only limited summary data is available for this year.$3.00$2.39$0.61$7.78$7.90$0.11
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.18$2.46$0.72$6.79