Stem to Stern Inc

Nonprofit profile at a glance

EIN
854367638
IRS 990-EZ coverage
2021–2025
Forms available
Form 990-EZ 2025, Form 990-N 2020
Location
Milwaukee, WI, USA
Phone
2624419200
Rating
85
Verdict
STRONG
Rating confidence
Moderate
Sector
Swimming & Other Water Recreation

Reported finances

Revenue
$48,526
Expenses
$58,189
Assets
$25,454
Liabilities
$740

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

Leadership & pay

10 people listed

Executive titles in this filing

  • Rachel Hunter (Executive Director)
  • Joe Cincotta (President)

People named in this filing

  • Rachel Hunter (Executive Director)
  • Joe Cincotta (President)
  • Ann Navin (Treasurer)

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

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

What it reported doing in 2025

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.

Operating model

Revenue model
Donor-supported. 100% of the money available for current operations came from contributions and gifts.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Program spending has declined or grown slowly and revenue has declined or grown slowly.

Rating breakdown

  • Financial Efficiency: 100
  • Transparency & Controls: 82
  • Sustainability: 22
  • Growth: 20

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 100%; rating input score 100
  • Program expense ratio: 100%; rating input score 100

Transparency & Controls

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

Sustainability

  • Operating margin: -19.9%; rating input score 22; 22nd percentile among comparable filings
  • Total-asset coverage ratio: 0.44; rating input score 29; 29th percentile among comparable filings
  • Liabilities to assets ratio: 0.03; rating input score 21; 21st percentile among comparable filings
  • Officer compensation ratio: 60.1%; rating input score 2; 2nd percentile among comparable filings

Growth

  • Program expense growth: -5.5% per year; rating input score 0; 35th percentile among comparable filings
  • Revenue growth: -10.9% per year; rating input score 0; 23rd percentile among comparable filings
  • Asset growth: 8.4% per year; rating input score 100; 66th percentile among comparable filings

Details

  • Where the money goes: 100% of revenue deployed · 100% of spending went to programs
  • Governance: Filed governance answers
  • Accomplishments: 1 filed program accomplishment · $58K in reported program spending
  • Leadership: top reported pay $0 · 10 people listed
  • Consistency: 7 of 7 current checks pass
  • Schedules: 2 filed schedules
  • Filing history: 5 filing years from 2021 to 2025
  • Contacts: How to reach this organization
  • Money network: 1 filed money-flow record
  • 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 — Growth: Program expense growth scored 0/100.
  • High — Growth: Revenue growth scored 0/100.
  • High — Sustainability: Operating margin scored 22/100.
  • High — Sustainability: Total-asset coverage ratio scored 29/100.
  • High — Sustainability: Officer compensation ratio scored 2/100.
  • High — Sustainability: Liabilities to assets ratio scored 21/100.