Civic Intelligence

STEM to Stern Inc

EIN 85-4367638 • 501(c)3 • Milwaukee, WI

Profile

The Milwaukee Rowing Club works to remove barriers to participation in youth rowing. Our goal is to provide rowing opportunities to all students who are interested in becoming a part of our programs.

1660 N Prospect Ave Unit 305Milwaukee, WI 53202

n/A

Siviq Scores

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

Liabilities / Assets

71st percentile

0.03x

Higher debt load relative to assets than 71% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

71st percentile

0.02x

Higher debt load relative to revenue than 71% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Net Margin

23rd percentile

-20%

Higher net margin than 23% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

95th percentile

$35,000

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 72.1% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

Score unavailable

No value available

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

Source year 2025

Revenue Growth

Score unavailable

No value available

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

Source year 2025

Balance Sheet
Liabilities / Assets71st percentile

Assets

Down

$25,454

Down $9,663 (-28%) from 2024

Liabilities

Flat

$740

Flat from 2024

Net Assets

Down

$24,714

Down $9,663 (-28%) from 2024

Operations
Liabilities / Revenue71st percentileNet Margin23rd percentile

Revenue

Down

$48,526

Down $51,573 (-52%) from 2024

Expenses

Down

$58,189

Down $20,682 (-26%) from 2024

Net Income

Down

-$9,663

Down $30,891 (-146%) from 2024

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$40K$30K$20K$10K$0Assets 2021: $30,891Liabilities 2021: $0Net Assets 2021: $30,8912021Assets 2022: $5,653Liabilities 2022: $0Net Assets 2022: $5,6532022Assets 2023: $13,149Liabilities 2023: $0Net Assets 2023: $13,1492023Assets 2024: $35,117Liabilities 2024: $740Net Assets 2024: $34,3772024Assets 2025: $25,454Liabilities 2025: $740Net Assets 2025: $24,7142025

Highlighted filing

2025

Assets$25,454
Liabilities$740
Net Assets$24,714
Open 2025 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150K$100K$50K$0-$50KRevenue 2021: $126,208Expenses 2021: $95,317Net Income 2021: $30,8912021Revenue 2022: $8,878Expenses 2022: $34,116Net Income 2022: -$25,2382022Revenue 2023: $10,697Expenses 2023: $3,201Net Income 2023: $7,4962023Revenue 2024: $100,099Expenses 2024: $78,871Net Income 2024: $21,2282024Revenue 2025: $48,526Expenses 2025: $58,189Net Income 2025: -$9,6632025

Highlighted filing

2025

Revenue$48,526
Expenses$58,189
Net Income-$9,663
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$25,454
Liabilities
$740
Net assets
$24,714
Revenue
$48,526
Expenses
$58,189
Net income
-$9,663
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.25$0.01$0.25$0.49$0.58$0.10
2024Detailed filing. Detailed filing data is available for this year.$0.35$0.01$0.34$1.00$0.79$0.21
2023Detailed filing. Detailed filing data is available for this year.$0.13$0.00$0.13$0.11$0.03$0.07
2022Detailed filing. Detailed filing data is available for this year.$0.06$0.00$0.06$0.09$0.34$0.25
2021Detailed filing. Detailed filing data is available for this year.$0.31$0.00$0.31$1.26$0.95$0.31
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Jan 22, 2026
Return Version
2025v4.0
Gross Receipts
$48,526
Mission and Program Overview

Mission

The Milwaukee Rowing Club works to remove barriers to participation in youth rowing. Our goal is to provide rowing opportunities to all students who are interested in

Program Services

DescriptionGrantsExpenses
offer need-based scholarships for our youth program covering registration& regatta fees. The Club also tackled swimming instruction & transportationin order to provide opportunities for those who would not otherwise be able to participate.$48,526$58,189
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rachel HunterExecutive DirectorFT$35,000-$35,000
Joe CincottaPresident-$0--
Ann NavinTreasurer-$0--
Stuart WongSecretary-$0--
Al EricksonBoard Member-$0--
Alyssa RemingtonBoard Member-$0--
Cynthia FriaufBoard Member-$0--
Maureen DSouzaBoard Member-$0--
Peter HelferBoard Member-$0--
Sharlene ByrneBoard Member-$0--
Filing and Contact Details

Filer

Filer Name
Stem to Stern Inc
EIN
85-4367638
Phone
2624419200
Address
1660 N Prospect Ave Unit 305, Milwaukee, WI 53202

Signing Officer

Name
Rachel G Hunter
Title
Executive Director
Phone
2624419200
Signed
2026-01-22

Preparer

Firm
Joseph David Zaks CPA
Address
1731 W Edward Lane, Glendale, WI 53209
Preparer
Joseph David Zaks CPA
Phone
4142439777
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 16

“Accounting 2300.”

Form 990EZ, Part I, Line 16

“Awards 125.”

Form 990EZ, Part I, Line 16

“Bank Service Charges 23.”

Form 990EZ, Part I, Line 16

“Contribution 1500.”

Form 990EZ, Part I, Line 16

“License & Fees 10.”

Form 990EZ, Part I, Line 16

“Meals 35.”

Form 990EZ, Part I, Line 16

“Meeting & Convention 2600.”

Form 990EZ, Part I, Line 16

“Office Supplies 58.”

Form 990EZ, Part I, Line 16

“Payroll Fee 143.”

Form 990EZ, Part I, Line 16

“Payroll Taxes 2677.”

Form 990EZ, Part I, Line 16

“Postage 144.”

Form 990EZ, Part I, Line 16

“Professional Fees 12000.”

Form 990EZ, Part I, Line 16

“Software 674.”

Form 990EZ, Part I, Line 16

“Supplies 41.”

Form 990EZ, Part I, Line 16

“Website 859.”

Form 990EZ, Part II, Line 24

“Direct Deposit Liabilities for Payroll 1200.”

Form 990EZ, Part II, Line 26

“Payroll Liabilities 740.”

Raw XML Appendix227 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.

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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Secretary
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Board Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Board Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7Board Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8Board Member
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9Board Member
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt01200
IRS990EZ/OtherAssetsTotalDetail/EOYAmt01200
IRS990EZ/OtherExpensesTotalAmt023189
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
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IRS990EZ/ProgramServiceRevenueAmt00
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IRS990EZ/ProhibitedTaxShelterTransInd0false
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IRS990EZ/SalariesOtherCompEmplBnftAmt035000
IRS990EZ/ScheduleBNotRequiredInd0X
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IRS990EZ/SpecialEventsDirectExpensesAmt00
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IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0740
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IRS990EZ/TransactionWithControlEntInd0false
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IRS990EZ/TypeOfOrganizationCorpInd0X
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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt010697
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt08908
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Accounting 2300.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Awards 125.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Bank Service Charges 23.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Contribution 1500.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4License & Fees 10.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Meals 35.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Meeting & Convention 2600.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Office Supplies 58.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Payroll Fee 143.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Payroll Taxes 2677.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Postage 144.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Professional Fees 12000.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Software 674.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13Supplies 41.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14Website 859.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15Direct Deposit Liabilities for Payroll 1200.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16Payroll Liabilities 740.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Form 990EZ, Part II, Line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Rachel G Hunter
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Executive Director
ReturnHeader/BusinessOfficerGrp/PhoneNum02624419200
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-01-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Stem to Stern Inc
ReturnHeader/Filer/BusinessNameControlTxt0STEM
ReturnHeader/Filer/EIN0854367638
ReturnHeader/Filer/PhoneNum02624419200
ReturnHeader/Filer/USAddress/AddressLine1Txt01660 N Prospect Ave Unit 305
ReturnHeader/Filer/USAddress/CityNm0Milwaukee
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd053202
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0464303149
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Joseph David Zaks CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01731 W Edward Lane
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Glendale
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd053209
ReturnHeader/PreparerPersonGrp/PhoneNum04142439777
ReturnHeader/PreparerPersonGrp/PreparationDt02026-01-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Joseph David Zaks CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-01-26T07:24:49-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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No mirrored PDF or thumbnail assets are attached yet.