Mental Health & Crisis Intervention (F50) IRS Verified DX Registered 990 on File

TROUBLED WATERS INC

EIN: 83-1319383 · LOWELL, MA 01852-1204 · United States · FY 2024 Data

3 out of 5 55 / 100 Based on 2+ years of filings

Financial strength (30%) 83/100

Reliability (20%) 45/100

Effectiveness (25%) 85/100

Impact (25%) No data yet

Financial data: FY 2024 · Scored 9/13/2026

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Mission Statement

Our mission is to provide safe, supportive, and structured transitional housing for veterans experiencing homelessness or instability. We are committed to empowering each resident through comprehensive services that promote healing, independence, and reintegration into the community. By honoring their service, we foster a respectful and dignified environment where every veteran has the opportunity to rebuild their life and achieve lasting self-sufficiency.

Financial Overview — FY 2024

$1.3M

Total Revenue

$1.2M

Total Expenses

$301K

Net Assets

Employees

Revenue Sources

Expense Breakdown

Program Expense Ratio 80.0%

Fundraising Efficiency 8.6%

Operating Reserve 3.01x

Liability-to-Asset 7.0%

Revenue Diversification 82.5%

Executive Compensation $126K

Compared with Peers

FY 2024

Compared with 1,319 similar organizations (United States, Mental Health & Crisis Intervention, $1M–$10M in expenses), FY 2024.

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	80.0%	85.0%	P10P90	Below median
Admin expense ratio Management and general / total expenses · lower is better	19.4%	12.5%	P10P90	Below median
Fundraising expense ratio Fundraising expenses / total expenses · lower is better	0.6%	0.0%	P10P90	Below median
Fundraising efficiency Fundraising expenses / gross fundraising income · lower is better	8.6%	117.6%	P10P90	Top quarter
Operating reserve Months of expenses covered by net assets · higher is better	3.0 mo	6.2 mo	P10P90	Below median
Liabilities to assets Total liabilities / total assets · lower is better	7.0%	22.8%	P10P90	Above median
Revenue concentration Share of revenue from the largest source · lower is better	82.5%	92.0%	P10P90	Above median
Revenue growth Year over year revenue growth	37.2%	8.3%	P10P90
Expense growth Year over year expense growth	43.1%	9.1%	P10P90
Surplus margin Surplus as a share of revenue	10.2%	1.7%	P10P90

Financial History

Year	Revenue	Expenses	Net Assets	Program %	Staff
2024	$1.3M	$1.2M	$301K	80.0%	20
2023	$972K	$837K	$165K	79.5%	23
2022	$575K	$556K	$30K	79.5%	15
2021	$302K	$178K	N/A	—	1

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Organization Details

EIN: 83-1319383
State: MA
City: LOWELL
ZIP: 01852-1204
Classification: F50
Category: Mental Health & Crisis Intervention
Rating: 3★
Coverage: A
Last Updated: Aug 2026
IRS Ruling Year: 5
Foundation Code: 15
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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The coverage grade (A to D) says how much filing data the score rests on; NONE means there is not enough to rate.
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