Environment (C32) 990 on File

FOR LOVE OF WATER

EIN: 45-4370935 · TRAVERSE CITY, MI 49684-3505 · United States · FY 2026 Data

3 out of 5 44 / 100 Based on 2+ years of filings

Financial strength (30%) 62/100

Reliability (20%) 50/100

Effectiveness (25%) 61/100

Impact (25%) No data yet

Financial data: FY 2026 · Scored 10/18/2026

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Financial Overview — FY 2026

$1.7M

Total Revenue

$1.5M

Total Expenses

$2.8M

Net Assets

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 63.1%

Fundraising Efficiency 2105.5%

Operating Reserve 22.41x

Liability-to-Asset 4.8%

Revenue Diversification 93.9%

Executive Compensation $156K

Compared with Peers

FY 2026

Compared with 13 similar organizations (United States, Environment, $1M–$10M in expenses), FY 2026.

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	63.1%	78.8%	P10P90	Bottom quarter
Admin expense ratio Management and general / total expenses · lower is better	19.8%	14.5%	P10P90	Bottom quarter
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	17.1%	5.8%	P10P90	Bottom quarter
Fundraising efficiency Fundraising expenses / gross fundraising income · lower is better	2105.5%	251.6%	P10P90	Bottom quarter
Operating reserve Months of expenses covered by net assets · higher is better	22.4 mo	16.7 mo	P10P90	Above median
Liabilities to assets Total liabilities / total assets · lower is better	4.8%	5.8%	P10P90	Above median
Revenue concentration Share of revenue from the largest source · lower is better	93.9%	90.8%	P10P90	Below median
Revenue growth Year over year revenue growth	132.3%	23.3%	P10P90
Expense growth Year over year expense growth	140.6%	6.9%	P10P90
Surplus margin Surplus as a share of revenue	12.3%	-3.0%	P10P90

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2026	$1.7M	$1.5M	$2.8M	63.1%	12
2025	$741K	$628K	$2.6M	60.2%	8
2024	$1.1M	$1.0M	$2.5M	62.7%	8
2023	$2.1M	$719K	$2.3M	59.0%	9
2022	$840K	$716K	$981K	79.7%	10

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Organization Details

EIN: 45-4370935
State: MI
City: TRAVERSE CITY
ZIP: 49684-3505
Classification: C32
Category: Environment
Rating: 3★
Coverage: A
Last Updated: Aug 2026
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

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