Liabilities / Assets
91st percentile
Higher debt load relative to assets than 91% of similar nonprofits.
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.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
91st percentile
Higher debt load relative to assets than 91% of similar nonprofits.
Liabilities / Revenue
93rd percentile
Higher debt load relative to revenue than 93% of similar nonprofits.
Net Margin
36th percentile
Higher net margin than 36% of similar nonprofits.
Top Officer Pay
84th percentile
Higher top officer pay than 84% of similar nonprofits.
Top officer pay equals 12.3% of source-year revenue.
Asset Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
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.
Most recent year
2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.
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.
| Description | Grants | Expenses |
|---|---|---|
| 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 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| PETE KEHOE | President | - | $7,200 | - | $7,200 |
| MICHELLE CHENARD | Administrator | - | $2,400 | - | $2,400 |
| JEFF PATTON | Treasurer | - | $0 | - | - |
| BRIAN WAGNER | Secretary | - | $0 | - | - |
| OLIVIER BOINAIS | Board Member | - | $0 | - | - |
| SHEELA WELCH | Board Member | - | $0 | - | - |
| JEFF WYNDER | Board Member | - | $0 | - | - |
“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.”
“Description: deferred conditional grants. Beg. Of year amount: 0. End of year amount: 36,425.”
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/ActivitiesNotPreviouslyRptInd | 0 | 0 |
| IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | JEFF PATTON |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 2318819019 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | PO BOX 124 |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | PETOSKEY |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 49770 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 17472 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 50870 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 57347 |
| IRS990EZ/CostOrOtherBasisExpenseSaleAmt | 0 | 1115 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | -3027 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 42224 |
| IRS990EZ/FiledScheduleAInd | 0 | 1 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 17472 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 50870 |
| IRS990EZ/FundraisingGrossIncomeAmt | 0 | 7239 |
| IRS990EZ/GainOrLossFromSaleOfAssetsAmt | 0 | 572 |
| IRS990EZ/GrossReceiptsAmt | 0 | 66273 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/LobbyingActivitiesInd | 0 | 0 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 17472 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 14445 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 17472 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 14445 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 3.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 7200 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 2400 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | PETE KEHOE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | JEFF PATTON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | BRIAN WAGNER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | MICHELLE CHENARD |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | OLIVIER BOINAIS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | SHEELA WELCH |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | JEFF WYNDER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | SECRETARY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | ADMINISTRATOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 9510 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | 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. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | 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. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 61334 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 9600 |
| IRS990EZ/SaleOfAssetsGrossAmt | 0 | 1687 |
| IRS990EZ/SchoolOperatingInd | 0 | 0 |
| IRS990EZ/SpecialEventsDirectExpensesAmt | 0 | 6851 |
| IRS990EZ/SpecialEventsNetIncomeLossAmt | 0 | 388 |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | MI |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 36425 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TaxImposedOnOrganizationMgrAmt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4911Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4912Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4955Amt | 0 | 0 |
| IRS990EZ/TaxReimbursedByOrganizationAmt | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 61334 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 61334 |
| IRS990EZ/TotalRevenueAmt | 0 | 58307 |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | 0 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | HTTPS://WWW.BIGWATERCREATIVEARTS.ORG |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 57347 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 57347 |
| IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt | 0 | 1687 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 57347 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind | 0 | X |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 57347 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 57347 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 57347 |
| IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorNum | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt | 0 | RESTRICTED |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: DEFERRED CONDITIONAL GRANTS. BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 36,425. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE 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/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 0 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | PETE KEHOE |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2318818254 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-06-12 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | BIG WATER CREATIVE ARTS |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | BIGW |
| ReturnHeader/Filer/EIN | 0 | 811815580 |
| ReturnHeader/Filer/PhoneNum | 0 | 2318818254 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 124 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | PETOSKEY |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 49770 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | 1 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 383300148 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | WILLIAM R KANINE PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 405 N DIVISION ROAD STE 1 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | PETOSKEY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 49770 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 2313487900 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-06-12 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | KRISTY M FRALICK |
| ReturnHeader/ReturnTs | 0 | 2025-06-23T12:00:16-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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