Community Improvement (S81) IRS Verified DX Registered 990 on File

BAY POINT WOMENS CLUB

EIN: 59-3657839 · PANAMA CITY, FL 32411-7045 · United States · FY 2024 Data

2 out of 5 31 / 100 Based on a filing without expense detail

Financial strength (30%) 55/100

Reliability (20%) 45/100

Effectiveness (25%) 23/100

Impact (25%) No data yet

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

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CharityAI™ Score

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Financial Overview — FY 2024

$88K

Total Revenue

$82K

Total Expenses

$18K

Net Assets

N/A

Employees

Revenue Sources

Program Expense Ratio N/A

Fundraising Efficiency 42.6%

Operating Reserve 2.67x

Liability-to-Asset N/A

Revenue Diversification 13.6%

Compared with Peers

FY 2024

Compared with 4,020 similar organizations (United States, Community Improvement, under $100K in expenses), FY 2024.

This organization Middle half of peers (P25–P75) Peer median

Ratio	This org	Peer median	Position (P10 → P90)
Fundraising efficiency Fundraising expenses / gross fundraising income · lower is better	42.6%	40.5%	P10P90	Below median
Operating reserve Months of expenses covered by net assets · higher is better	2.7 mo	23.9 mo	P10P90	Bottom quarter
Revenue concentration Share of revenue from the largest source · lower is better	13.6%	98.4%	P10P90	Top quarter
Surplus margin Surplus as a share of revenue	7.5%	11.8%	P10P90

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Organization Details

EIN: 59-3657839
State: FL
City: PANAMA CITY
ZIP: 32411-7045
Classification: S81
Category: Community Improvement
Rating: 2★
Coverage: C
Last Updated: Aug 2026
IRS Ruling Year: 1976
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

A pillar with no data counts as zero. Without impact metrics the score is capped at 59 (three stars): only the charity can supply that data.
The coverage grade (A to D) says how much filing data the score rests on; NONE means there is not enough to rate.
An organization that is not in good standing with its registry (for example a revoked tax exemption) is shown as Not rated.
"Compared with peers" places the charity's key ratios against organizations of the same country, sector and size.

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