Passes our checks

Clear Waters Life Center

EIN 77-0643868 · Clearbrook, MN

Public records show a registered, tax-exempt organization in good standing.

What it says it does

A FAITH-BASED COMMUNITY OF PEOPLE PROVIDING A PLACE TO IMPART HOPE AND ENRICH THE LIVES OF INDIVIDUALS AND FAMILIES.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Fair: 68 out of 100. Higher than 40% of charities in its peer group (human services, $250k to $1m).

Reserves
10 of 35
Spendable reserves would cover 1.2 months of spending.
Debt
20 of 20
It owes 14% of what it owns.
Living within its means
8 of 15
Spending exceeded income by 1% of income.
Income trend
15 of 15
Income rose 14% on the year before.
Spending floor
15 of 15
72% of spending went to programs and raising each dollar of donations cost 0 cents.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Fair: 59 out of 100. Higher than 31% of charities in its peer group (human services, $250k to $1m).

Independent board
25 of 25
10 of 10 voting board members are independent.
Conflict of interest policy
0 of 15
Reports no written conflict of interest policy.
Whistleblower policy
0 of 8
Reports no written whistleblower policy.
Record keeping policy
0 of 7
Reports no written policy on keeping and destroying records.
Board minutes
5 of 5
Keeps minutes of board meetings.
Board sees the tax return
10 of 10
Gave the board a copy of this return before filing it.
Independent check of accounts
6 of 15
Its accounts were not audited or reviewed by an independent accountant.
No reported misuse
10 of 10
Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (5)

$83,576 spent. SENIOR SERVICES IS FOR CLEARWATER COUNTY RESIDENTS 60 YR AND OVER. SERVICES INCLUDE TRANSPORTATION TO MEDICAL APPOINTMENTS, HOMECARE FOR GENERAL HOUSE WORK & CHORE SERVICE FOR SMALL OUTDOOR PROJECTS (SNOW REMOVAL, LAWN MOWING, ETC)
$181,998 spent. MUSTARD SEED HOMES IS FOR ADULT MEN AND PROVIDES VOCATIONAL TRAINING, LIFE SKILLS TRAINING, MENTORING, SUPPORT GROUPS AND DEVELOPMENT OF A HEALTHY PHYSICAL AND SPIRITUAL LIFE.
$64,652 spent. YOUTH CONNECTION IS AN AFTER SCHOOL YOUTH PROGRAM THAT PROVIDES A SAFE PLACE FOR PLAY, MENTORING, LEADERSHIP TRAINING AND FAMILY AND COMMUNITY CONNECTIONS.
$200,457 spent. COMMUNITY ENGAGEMENT WHICH INCLUDES FUNDRAISERS AND CLASSES THAT ENGAGE THE COMMUNITY & THE MN CEP PROGRAM WHICH ALLOWS PEOPLE (OVER 55) FROM THE PROGRAM TO WORK IN THE DIFFERENT FACILITIES (GROW IT, RESTORE IT AND SHOP-AT-THE-TOP).
COMMUNITY ENGAGEMENT WHICH INCLUDES FUNDRAISERS AND CLASSES THAT ENGAGE THE COMMUNITY & THE MN CEP PROGRAM WHICH ALLOWS PEOPLE (OVER 55) FROM THE PROGRAM TO WORK IN THE DIFFERENT FACILITIES (GROW IT, RESTORE IT AND SHOP-AT-THE-TOP).

Source: Form 990 for the year ending December 31, 2024, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.
Are donations tax-deductible? Passed.
On the IRS list of organizations eligible to receive tax-deductible contributions.
Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2024.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since November 2004.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.