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Top Rated


CharityWatch report issued
October 2023

Top-Rated Charity
CharityWatch Grade
Our independent grade based
on a number of factors.
Program Percentage
Amount spent on programs
relative to overhead.
Cost to Raise $100
Amount spent to raise
$100 of contributions.

Contact Information

117 W 20th Street
Suite 203
Kansas City, MO 64108

Other Names

Water.org, Inc.

Tax Status




Stated Mission

To bring safe water and sanitation to the world through access to small, affordable loans.

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Data based on Fiscal Year Ended 09/30/2022

Program Percentage: 70%

The percentage of Water.org's cash budget it spends on programs relative to overhead (fundraising, management, and general expenses).


Calculated Total Expenses



Cost to Raise $100: $9

How many dollars Water.org spends on fundraising to raise each $100 of contributions.


Calculated Total Contributions


Government Funding

0% to 24%

Percentage of cash revenue
coming from government sources


Financial Documents

Entity Document Type Tax ID
Water.org Consolidated Audited Financial Statements Multiple
Water.org IRS Form 990 58-2060131
Entity: Water.org
Document Type: Consolidated Audited Financial Statements
Tax ID: Multiple
Entity: Water.org
Document Type: IRS Form 990
Tax ID: 58-2060131

Governance & Transparency

CharityWatch evaluates certain criteria related to a charity's Governance and Transparency. Donors may want to consider a charity's willingness to be open and transparent with CharityWatch to be a good litmus test for determining its commitment to public accountability.
This charity is Top-Rated
What does it mean to be Top-Rated?
meets governance benchmarks.
meets transparency benchmarks.
Provides Financial Information
Audit Accessibility
Governance: Policies
Reports regularly & consistently monitoring & enforcing compliance with a written Conflict of Interest Policy
Reports required, annual disclosure by officers, directors, and key staff of interests that could give rise to conflicts
Reports having a written Whistleblower Policy
Reports having a written Document Retention and Destruction Policy
Governance: Financials
Reports providing copy of tax form to all board members prior to filing it with IRS
Reports that financial statements were audited by an independent accountant
Governance: Board of Directors
Reports at least 5 voting board members
51% or more of voting board members reported as independent
Reports documenting minutes of board and board committee meetings
Privacy Policy
Privacy Policy

  Name Title Compensation
1 Gary White CEO/Co-Founder $443,160
2 Jennifer Schorsch Past President $279,105
3 Fernando Alandia CFO $270,911
Name: Gary White
Title: CEO/Co-Founder
Compensation: $443,160
Name: Jennifer Schorsch
Title: Past President
Compensation: $279,105
Name: Fernando Alandia
Title: CFO
Compensation: $270,911

CharityWatch Analysts perform an in-depth analysis of charities' audited financial statements and IRS tax filings, and often review other documents such as state filings, annual reports, and fundraising contracts during their evaluations. Below are select notes that CharityWatch believes may be of interest to donors.

According to the Water.org audit of September 30, 2022 (Note 11, Employee Benefit Plan):

"Water.org has an incentive compensation plan that provides a range of organizational and personal goals to determine incentive compensation per employee. The incentive compensation payment in late December is based upon the finalization of the year's financial results and approval by the Executive Committee of the Board of Directors. As of September 30, 2022 and 2021, Water.org recorded approximately $1,433,925 and $1,335,842, respectively, of accrued incentive compensation expense in accrued expenses on the statements of financial position."

According to the Water.org audit of September 30, 2022 (Note 12, Concentrations):

"Contributions: During the years ended September 30, 2022 and 2021, approximately 36% and 23% of all contributions were received from two donors."

According to the Water.org tax filing for the fiscal year ended September 30, 2022, (IRS Form 990, Schedule J, Part II):

Water.org reports that Gary White, CEO & Co-Founder, received $100,625 in bonus compensation during the 2022 tax year. His total compensation for the reporting period is reported as $443,160. There were 8 other individuals listed with bonuses ranging from $23,106 to $43,085, and total compensation ranging from $163,036 to $279,105 during the period.  

According to the Water.org tax filing for the fiscal year ended September 30, 2022, Water.org reports re: Compensation, Supplemental Information (IRS Form 990, Schedule J, Part III):

Regarding nonfixed payments to officers, directors, trustees, key employees and highest compensated employees (Schedule J, Part I, Line 7):

"Non-fixed payments in the form of a bonus are determined based on personal and organizational performance and the discretion of the Board of Directors."

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