Civic Intelligence

Big Water Creative Arts

EIN 81-1815580 • 501(c)3 • Petoskey, MI

Profile

Big water creative arts, inc. (bwca or big water) shares the joy of music through education, instruction, and performances that build community and improve the quality of life for youth, students with cognitive impairments, and lifelong learners across northern michigan.bwca achieves its mission by providing free, accessible music education programs throughout emmet and neighboring counties, ensuring that all students, including girls and women, have opportunities for creative expression, skill-building, and personal growth. These programs foster confidence, collaboration, and a sense of accomplishment that supports overall well-being.

PO Box 124Petoskey, MI 49770

www.bigwatercreativearts.org

Siviq Scores

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

Liabilities / Assets

91st percentile

0.72x

Higher debt load relative to assets than 91% of similar nonprofits.

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

Liabilities / Revenue

93rd percentile

0.62x

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

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

Net Margin

36th percentile

-5.2%

Higher net margin than 36% of similar nonprofits.

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

Top Officer Pay

84th percentile

$7,200

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 12.3% of source-year revenue.

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

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2024

Assets

$50,870

No earlier filing loaded for comparison.

Liabilities

$36,425

No earlier filing loaded for comparison.

Net Assets

$14,445

No earlier filing loaded for comparison.

Revenue

$58,307

No earlier filing loaded for comparison.

Expenses

$61,334

No earlier filing loaded for comparison.

Net Income

-$3,027

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

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

$60K$40K$20K$0Assets 2024: $50,870Liabilities 2024: $36,425Net Assets 2024: $14,4452024

Highlighted filing

2024

Assets$50,870
Liabilities$36,425
Net Assets$14,445

Operations Trend

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

$80K$60K$40K$20K$0-$20KRevenue 2024: $58,307Expenses 2024: $61,334Net Income 2024: -$3,0272024

Highlighted filing

2024

Revenue$58,307
Expenses$61,334
Net Income-$3,027

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$50.9$36.4$14.4$58.3$61.3$3.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 12, 2025
Return Version
2024v5.1
Gross Receipts
$66,273
Mission and Program Overview

Mission

Big water creative arts, inc. (bwca or big water) shares the joy of music through education, instruction, and performances that build community and improve the quality of life for youth, students with cognitive impairments, and lifelong learners across northern michigan.bwca achieves its mission by providing free, accessible music education programs throughout emmet and neighboring counties, ensuring that all students, including girls and women, have opportunities for creative expression, skill-building, and personal growth. These programs foster confidence, collaboration, and a sense of accomplishment that supports overall well-being.

Program Services

DescriptionGrantsExpenses
BWCA DELIVERED EIGHT DISTINCT PROGRAMS SERVING YOUTH AND ADULTS ACROSS EMMET, CHEBOYGAN, AND OTSEGO COUNTIES. CORE OFFERINGS INCLUDED ROCK JAM, JAZZ LAB, COMBO, MUSIC EXPLORATION, SONGWRITING, BEGINNING GUITAR, AND UKULELE CLASSES. THROUGH SCHOOL-BASED AND COMMUNITY CLASSES, THESE PROGRAMS REACHED A WIDE RANGE OF LEARNERS, FROM STUDENTS WITH COGNITIVE IMPAIRMENTS TO HIGH SCHOOL MUSICIANS AND ADULT BEGINNERS.$0$61,334
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
PETE KEHOEPresident-$7,200-$7,200
MICHELLE CHENARDAdministrator-$2,400-$2,400
JEFF PATTONTreasurer-$0--
BRIAN WAGNERSecretary-$0--
OLIVIER BOINAISBoard Member-$0--
SHEELA WELCHBoard Member-$0--
JEFF WYNDERBoard Member-$0--
Filing and Contact Details

Filer

Filer Name
Big Water Creative Arts
EIN
81-1815580
Phone
2318818254
Address
PO BOX 124, PETOSKEY, MI 49770

Signing Officer

Name
Pete Kehoe
Title
President
Phone
2318818254
Signed
2025-06-12
Discuss with paid preparer
No

Preparer

Firm
William R Kanine Pc
Address
405 N DIVISION ROAD STE 1, PETOSKEY, MI 49770
Preparer
Kristy M Fralick
Phone
2313487900
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16 - Other Expenses

Description: advertising & marketing. Amount: 1,199. Description: dues & memberships. Amount: 404. Description: insurance. Amount: 1,331. Description: musical equipment and supplies. Amount: 5,131. Description: office expense & supplies. Amount: 1,445. Total to form 990-ez, line 16: 9,510.

Form 990-ez, Part II, Line 26 - Other Liabilities

Description: deferred conditional grants. Beg. Of year amount: 0. End of year amount: 36,425.

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990EZ/PrimaryExemptPurposeTxt0BIG WATER CREATIVE ARTS, INC. (BWCA OR BIG WATER) SHARES THE JOY OF MUSIC THROUGH EDUCATION, INSTRUCTION, AND PERFORMANCES THAT BUILD COMMUNITY AND IMPROVE THE QUALITY OF LIFE FOR YOUTH, STUDENTS WITH COGNITIVE IMPAIRMENTS, AND LIFELONG LEARNERS ACROSS NORTHERN MICHIGAN.BWCA ACHIEVES ITS MISSION BY PROVIDING FREE, ACCESSIBLE MUSIC EDUCATION PROGRAMS THROUGHOUT EMMET AND NEIGHBORING COUNTIES, ENSURING THAT ALL STUDENTS, INCLUDING GIRLS AND WOMEN, HAVE OPPORTUNITIES FOR CREATIVE EXPRESSION, SKILL-BUILDING, AND PERSONAL GROWTH. THESE PROGRAMS FOSTER CONFIDENCE, COLLABORATION, AND A SENSE OF ACCOMPLISHMENT THAT SUPPORTS OVERALL WELL-BEING.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: ADVERTISING & MARKETING. AMOUNT: 1,199. DESCRIPTION: DUES & MEMBERSHIPS. AMOUNT: 404. DESCRIPTION: INSURANCE. AMOUNT: 1,331. DESCRIPTION: MUSICAL EQUIPMENT AND SUPPLIES. AMOUNT: 5,131. DESCRIPTION: OFFICE EXPENSE & SUPPLIES. AMOUNT: 1,445. TOTAL TO FORM 990-EZ, LINE 16: 9,510.
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TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02025-03-06 01:10:19Z
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