Housing & Shelter
(L41)
IRS Verified
DX Registered
990 on File
STILL WATERS MINISTRIES INC
Financial strength (30%)
98/100
Reliability (20%)
40/100
Effectiveness (25%)
68/100
Impact (25%)
No data yet
CharityAI™ Score
Not yet evaluated
Financial Overview — FY 2025
$1.1M
Total Revenue
$799K
Total Expenses
$536K
Net Assets
3
Employees
Revenue Sources
Expense Breakdown
Program Expense Ratio
82.7%
Fundraising Efficiency
N/A
Operating Reserve
8.04x
Liability-to-Asset
18.5%
Revenue Diversification
60.4%
Compared with Peers
FY 2025
Compared with 2,936 similar organizations
(United States, Housing & Shelter, $100K–$1M 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
|
82.7% | 87.3% |
P10P90
|
Below median |
|
Admin expense ratio
Management and general / total expenses
· lower is better
|
13.9% | 11.8% |
P10P90
|
Below median |
|
Fundraising expense ratio
Fundraising expenses / total expenses
· lower is better
|
3.4% | 0.0% |
P10P90
|
Bottom quarter |
|
Operating reserve
Months of expenses covered by net assets
· higher is better
|
8.0 mo | 13.5 mo |
P10P90
|
Below median |
|
Liabilities to assets
Total liabilities / total assets
· lower is better
|
18.5% | 21.9% |
P10P90
|
Above median |
|
Revenue concentration
Share of revenue from the largest source
· lower is better
|
60.4% | 90.8% |
P10P90
|
Top quarter |
|
Surplus margin
Surplus as a share of revenue
|
30.1% | -6.0% |
P10P90
|
Financial History
| Year | Revenue | Expenses | Net Assets | Program % | Staff |
|---|---|---|---|---|---|
| 2025 | $1.1M | $799K | $536K | 82.7% | 3 |
| 2020 | $49K | $33K | N/A | — | 1 |
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