Saginaw Bay Community Sailing Association

Nonprofit profile at a glance

EIN
383246877
IRS 990-EZ coverage
2017–2025
Forms available
Form 990-EZ 2025, Form 990-N 2018
Location
Bay City, MI, USA
Phone
9897780139
Rating
38
Verdict
REVIEW
Rating confidence
Moderate
Sector
Swimming & Other Water Recreation

Reported finances

Revenue
$74,459
Expenses
$67,843
Assets
$100,632
Liabilities
$0

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

10 people listed

Executive titles in this filing

  • Grant Hilger (Vice President)
  • Stanton Dent (President)

People named in this filing

  • Wanda Dziwura (Treasurer)
  • Grant Hilger (Vice President)
  • Melissa Headland (Secretary)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To foster educational and recreational sailing opportunities across the community, we resolve to provide affordable access to sailing, encourage and celebrate the responsible use and long-term stewardship of the Saginaw River and Bay, and build teamwork, self-confidence, and sportsmanship in our students

What it reported doing in 2025

Provide affordable sailing lessons and affordable access to sailing for the youth and adults of the mid-Michigan area, to promote interest in sailing as a life-long sport, and to develop teamwork, sportsmanship, and self-confidence in our students through experiential learngin

Operating model

Revenue model
Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model
No current program activity. The filing reports no program spending for the current year.

The verdict

REVIEW - The filed numbers largely add up. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.

Rating breakdown

  • Financial Efficiency: 0
  • Transparency & Controls: 82
  • Sustainability: 59
  • Growth: 40

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 0%; rating input score 0
  • Program expense ratio: 0%; rating input score 0

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
  • Major donor itemization: Limited

Sustainability

  • Operating margin: 8.9%; rating input score 59; 59th percentile among comparable filings
  • Total-asset coverage ratio: 1.48; rating input score 58; 58th percentile among comparable filings
  • Liabilities to assets ratio: 0; rating input score 66; 66th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 56; 56th percentile among comparable filings

Growth

  • Program expense growth: -9.6% per year; rating input score 0; 29th percentile among comparable filings
  • Revenue growth: 11.8% per year; rating input score 100; 83rd percentile among comparable filings
  • Asset growth: -6% per year; rating input score 0; 23rd percentile among comparable filings

Details

  • Where the money goes: 0% of revenue deployed · 0% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 1 filed program accomplishment
  • Leadership: top reported pay $0 · 10 people listed
  • Consistency: 9 of 9 current checks pass
  • Schedules: 3 filed schedules
  • Filing history: 8 filing years from 2017 to 2025
  • Contacts: How to reach this organization
  • Money network: Resolved incoming and outgoing counterparties from filed money flows.
  • Related organizations: Filed and resolved organization relationships.
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Financial Efficiency: Mission deployment rate scored 0/100.
  • High — Financial Efficiency: Program expense ratio scored 0/100.
  • High — Growth: Program expense growth scored 0/100.
  • High — Growth: Asset growth scored 0/100.
  • Review — Sustainability: Operating margin scored 59/100.
  • Review — Sustainability: Total-asset coverage ratio scored 58/100.
  • Review — Sustainability: Officer compensation ratio scored 56/100.