Community Improvement (S200) IRS Verified DX Registered 990 on File

BLUE WATER COMMUNITY ACTION

EIN: 38-2284121 · PORT HURON, MI 48060-2597 · United States · FY 2025 Data

3 out of 5 57 / 100 Based on 2+ years of filings

Financial strength (30%) 84/100

Reliability (20%) 55/100

Effectiveness (25%) 85/100

Impact (25%) No data yet

Financial data: FY 2025 · Scored 9/13/2026

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Mission Statement

“The mission of Blue Water Community Action is to advocate for and provide people with limited income an opportunity to become socially and economically self-sufficient in their community.”

Financial Overview — FY 2025

$3.7M

Total Revenue

$3.9M

Total Expenses

$910K

Net Assets

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 82.0%

Fundraising Efficiency 0.0%

Operating Reserve 2.77x

Liability-to-Asset 65.3%

Revenue Diversification 88.1%

Executive Compensation $113K

Compared with Peers

FY 2025

Compared with 703 similar organizations (United States, Community Improvement, $1M–$10M in expenses), FY 2025.

This organization Middle half of peers (P25–P75) Peer median

Ratio	This org	Peer median	Position (P10 → P90)
Program expense ratio Program expenses / total expenses · higher is better	82.0%	85.4%	P10P90	Below median
Admin expense ratio Management and general / total expenses · lower is better	18.0%	11.1%	P10P90	Below median
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	0.0%	0.0%	P10P90	Top quarter
Fundraising efficiency Fundraising expenses / gross fundraising income · lower is better	0.0%	152.5%	P10P90	Top quarter
Operating reserve Months of expenses covered by net assets · higher is better	2.8 mo	10.2 mo	P10P90	Bottom quarter
Liabilities to assets Total liabilities / total assets · lower is better	65.3%	20.7%	P10P90	Bottom quarter
Revenue concentration Share of revenue from the largest source · lower is better	88.1%	89.8%	P10P90	Above median
Revenue growth Year over year revenue growth	21.6%	6.3%	P10P90
Expense growth Year over year expense growth	21.2%	7.8%	P10P90
Surplus margin Surplus as a share of revenue	-6.2%	2.0%	P10P90

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2025	$3.7M	$3.9M	$910K	82.0%	37
2024	$3.1M	$3.3M	$1.1M	77.9%	127
2023	$7.6M	$7.7M	$1.3M	89.3%	143
2022	$11.9M	$11.6M	$1.5M	94.7%	139
2021	$10.0M	$10.1M	N/A	—	126

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Organization Details

EIN: 38-2284121
State: MI
City: PORT HURON
ZIP: 48060-2597
Classification: S200
Category: Community Improvement
Rating: 3★
Coverage: A
Last Updated: Aug 2026
IRS Ruling Year: 1965
Foundation Code: 15
Form 990: On File

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CharityAI™ rates charities from 0 to 100 using public filings (IRS Form 990 and the equivalent registries outside the US) together with the information the charity itself provides on DonationX. Ratings are recalculated every quarter, without human bias, and shown as stars.

Four pillars

Financial strength30%

Program expense ratio, fundraising efficiency, operating reserves, liabilities and revenue diversification, compared with similar organizations.

Reliability20%

Standing with the registry, filing history, verification and how complete the profile is.

Effectiveness25%

How much goes to programs and how consistently the organization delivers them.

Impact25%

The outcomes the charity reports on DonationX: people served, cost per service and results.

Stars

★★★★★ 80–100 ★★★★☆ 60–79 ★★★☆☆ 40–59 ★★☆☆☆ 20–39 ★☆☆☆☆ 1–19

A pillar with no data counts as zero. Without impact metrics the score is capped at 59 (three stars): only the charity can supply that data.
The coverage grade (A to D) says how much filing data the score rests on; NONE means there is not enough to rate.
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