Civic Intelligence

Center for Financial Health

EIN 20-3360802 • 501(c)3 • Lansing, MI

Profile

As a hud-approved, housing counseling agency, we are committed to helping families and individuals build assets through homeownership by providing training and support that strengthens our community and helps people build brighter futures.

3815 W St Joseph Street Suite B-200Lansing, MI 48917

www.centerforfinancialhealth.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

79th percentile

0.10x

Higher debt load relative to assets than 79% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

80th percentile

0.07x

Higher debt load relative to revenue than 80% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Net Margin

66th percentile

12%

Higher net margin than 66% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Top Officer Pay

96th percentile

$65,327

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 28.3% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2018

Asset Growth

79th percentile

27%

Faster asset growth than 79% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

65th percentile

11%

Faster revenue growth than 65% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$151,921

Up $32,071 (+27%) from 2017

Liabilities

Up

$15,342

Up $4,045 (+36%) from 2017

Net Assets

Up

$136,579

Up $28,026 (+26%) from 2017

Operations
Liabilities / Revenue80th percentileNet Margin66th percentile

Revenue

Up

$231,089

Up $22,311 (+11%) from 2017

Expenses

Up

$203,063

Up $16,136 (+8.6%) from 2017

Net Income

Up

$28,026

Up $6,175 (+28%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth79th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300K$200K$100K$0Assets 2011: $214,769Liabilities 2011: $16,338Net Assets 2011: $198,4312011Assets 2012: $228,990Liabilities 2012: $21,804Net Assets 2012: $207,1862012Assets 2013: $277,120Liabilities 2013: $120,087Net Assets 2013: $157,0332013Assets 2014: $142,090Liabilities 2014: $24,475Net Assets 2014: $117,6152014Assets 2015: $139,451Liabilities 2015: $11,956Net Assets 2015: $127,4952015Assets 2016: $103,811Liabilities 2016: $17,109Net Assets 2016: $86,7022016Assets 2017: $119,850Liabilities 2017: $11,297Net Assets 2017: $108,5532017Assets 2018: $151,921Liabilities 2018: $15,342Net Assets 2018: $136,5792018

Highlighted filing

2018

Assets$151,921
Liabilities$15,342
Net Assets$136,579
Open 2018 Filing

Operations Trend

Revenue Growth65th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$400K$200K$0-$200KExpenses 2011: $287,2002011Expenses 2012: $307,8572012Revenue 2013: $302,280Expenses 2013: $352,433Net Income 2013: -$50,1532013Revenue 2014: $276,860Expenses 2014: $316,278Net Income 2014: -$39,4182014Revenue 2015: $319,904Expenses 2015: $306,691Net Income 2015: $13,2132015Revenue 2016: $278,681Expenses 2016: $311,146Net Income 2016: -$32,4652016Revenue 2017: $208,778Expenses 2017: $186,927Net Income 2017: $21,8512017Revenue 2018: $231,089Expenses 2018: $203,063Net Income 2018: $28,0262018

Highlighted filing

2018

Revenue$231,089
Expenses$203,063
Net Income$28,026
Open 2018 Filing

Filings

Most recent year

2018 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$151,921
Liabilities
$15,342
Net assets
$136,579
Revenue
$231,089
Expenses
$203,063
Net income
$28,026
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Summary only. Only limited summary data is available for this year.$1.52$0.15$1.37$2.31$2.03$0.28
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.20$0.11$1.09$2.09$1.87$0.22
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.04$0.17$0.87$2.79$3.11$0.32
2015Detailed filing. Detailed filing data is available for this year.$1.39$0.12$1.27$3.20$3.07$0.13
2014Detailed filing. Detailed filing data is available for this year.$1.42$0.24$1.18$2.77$3.16$0.39
2013Detailed filing. Detailed filing data is available for this year.$2.77$1.20$1.57$3.02$3.52$0.50
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.29$0.22$2.07$3.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.15$0.16$1.98$2.87
Latest Detailed Filing

The latest 2018 filing currently has summary financial data only. Showing the latest detailed filing from 2015 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$319,904
Mission and Program Overview

Mission

As a hud-approved, housing counseling agency, we are committed to helping families and individuals build assets through homeownership by providing training and support that strengthens our community and helps people build brighter futures.

Balance Sheet Detail
LineBeginningEndChange
Assets
Pledges and Grants Receivable$58,419$66,870▲ $8,451
Cash and Non-Interest-Bearing Accounts$21,038$34,716▲ $13,678
Savings and Temporary Cash Investments$52,729$27,546▼ $25,183
Prepaid Expenses and Deferred Charges$4,887$5,595▲ $708
Land, Buildings, and Equipment, Net$417$124▼ $293
Total Assets$142,090$139,451▼ $2,639
Other Assets Total$4,600$4,600→ $0
Liabilities
Accounts Payable and Accrued Expenses$18,425$11,956▼ $6,469
Deferred Revenue$6,050--
Total Liabilities$24,475$11,956▼ $12,519
Net Assets / Fund Balance
Unrestricted Net Assets$117,615$127,495▲ $9,880
Total Net Assets Fund Balance$117,615$127,495▲ $9,880
Total Liabilities and Net Assets / Fund Balance$142,090$139,451▼ $2,639

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$124$7,002$7,126
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Denise KeiserExecutive DirectorFT$62,231$62,231

Board Members and Trustees

NameTitle
Beth TroostInterim Chair
Keith WrightDirector
Lynn HenleyDirector
Michelle SchmittDirector
Sally PetersDirector
Kellie MakiSecretary
Jon SchwartzTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$270,672
Program Service Revenue
$49,115
Investment Income
$117
Other Revenue
$0
All Other Contributions
$80,815
Change in Net Assets
$13,213
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$203,356
Other Expenses$103,335
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$117,068$6,161-$123,229
Current Officers, Directors, Trustees, and Key Employees$59,119$3,112-$62,231
Occupancy$25,311$1,332-$26,643
Payroll Taxes$17,001$895-$17,896
Office Expenses$14,610$769-$15,379
Advertising$12,951$682-$13,633
Fees for Services Other$9,848$519-$10,367
Fees for Services Accounting$6,760$356-$7,116
Conferences and Meetings$5,989$315-$6,304
Fees for Services Legal$5,387$284-$5,671
Travel$5,076$267-$5,343
Information Technology$4,765$251-$5,016
Insurance$4,009$211-$4,220
Other Expenses$2,664$140-$2,804
All Other Expenses$519$27-$546
Depreciation Depletion$278$15-$293
Total Functional Expenses$291,355$15,336$0$306,691
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11

“The 990 will be reviewed by the executive director and treasurer.”

Form 990, Part VI, Section B, Line 12C

“The conflict of interest policy is actively monitored by the executive director. The board of directors also reviews on an annual basis.”

Form 990, Part VI, Section B, Line 15

“The board conducts annual reviews of compensation including executive director, using market studies of comparable agencies.”

Form 990, Part VI, Section C, Line 19

“Documents are available upon request from the executive director.”

Filing and Contact Details

Filer

Filer Name
Center for Financial Health
EIN
20-3360802
Phone
5177082550
Address
3815 W ST JOSEPH STREET SUITE B-200, LANSING, MI 48917

Signing Officer

Name
Denise Keiser
Title
Executive Director
Phone
5177082550
Signed
2016-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Denise Keiser
Formed
2007
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
12

Preparer

Firm
Abraham & Gaffney Pc
Address
3511 COOLIDGE RD SUITE 100, EAST LANSING, MI 48823
Preparer
Aaron M Stevens CPA
Phone
5173516836
Raw XML AppendixShowing 400 of 403 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt013213
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt049115
IRS990/SavingsAndTempCashInvstGrp/BOYAmt052729
IRS990/SavingsAndTempCashInvstGrp/EOYAmt027546
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0CHARGES FOR SERVICES - 2011 AMOUNT: $ 52,325. 2012 AMOUNT: $ 44,970. 2013 AMOUNT: $ 140,483. 2014 AMOUNT: $ 91,646. 2015 AMOUNT: $ 49,115.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME:
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0270672
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0184948
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0161493
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0271080
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0165749
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01053942
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0117
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0266
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt0304
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt0562
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt01018
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt02267
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt049115
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt091646
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt0140483
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt044970
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt052325
IRS990ScheduleA/OtherIncome170Grp/TotalAmt0378539
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.73460
IRS990ScheduleA/PublicSupportPY170Pct00.70790
IRS990ScheduleA/PublicSupportTotal170Amt01053942
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0270672
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0184948
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0161493
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0271080
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0165749
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01053942
IRS990ScheduleA/TotalSupportAmt01434748
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/EquipmentGrp/BookValueAmt0124
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07002
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt07126
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0124
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE 990 WILL BE REVIEWED BY THE EXECUTIVE DIRECTOR AND TREASURER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CONFLICT OF INTEREST POLICY IS ACTIVELY MONITORED BY THE EXECUTIVE DIRECTOR. THE BOARD OF DIRECTORS ALSO REVIEWS ON AN ANNUAL BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD CONDUCTS ANNUAL REVIEWS OF COMPENSATION INCLUDING EXECUTIVE DIRECTOR, USING MARKET STUDIES OF COMPARABLE AGENCIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DOCUMENTS ARE AVAILABLE UPON REQUEST FROM THE EXECUTIVE DIRECTOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MI
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0142090
IRS990/TotalAssetsEOYAmt0139451
IRS990/TotalAssetsGrp/BOYAmt0142090
IRS990/TotalAssetsGrp/EOYAmt0139451
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0270672
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt015336
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0291355
IRS990/TotalFunctionalExpensesGrp/TotalAmt0306691
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt024475
IRS990/TotalLiabilitiesEOYAmt011956
IRS990/TotalLiabilitiesGrp/BOYAmt024475
IRS990/TotalLiabilitiesGrp/EOYAmt011956
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0117615
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0127495
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0291355
IRS990/TotalProgramServiceRevenueAmt049115
IRS990/TotalReportableCompFromOrgAmt062231
IRS990/TotalRevenueGrp/ExclusionAmt0117
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt049115
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0319904
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0142090
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0139451
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt0267
IRS990/TravelGrp/ProgramServicesAmt05076
IRS990/TravelGrp/TotalAmt05343
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0117615
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0127495
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03815 W ST JOSEPH STREET SUITE B-200
IRS990/USAddress/CityNm0LANSING
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048933
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.CENTERFORFINANCIALHEALTH.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DENISE KEISER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum05177082550
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CENTER FOR FINANCIAL HEALTH
ReturnHeader/Filer/BusinessNameControlTxt0CENT
ReturnHeader/Filer/EIN0203360802
ReturnHeader/Filer/PhoneNum05177082550
ReturnHeader/Filer/USAddress/AddressLine1Txt03815 W ST JOSEPH STREET SUITE B-200
ReturnHeader/Filer/USAddress/CityNm0LANSING
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048917
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382771117
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ABRAHAM & GAFFNEY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03511 COOLIDGE RD SUITE 100
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0EAST LANSING
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd048823
ReturnHeader/PreparerPersonGrp/PhoneNum05173516836
ReturnHeader/PreparerPersonGrp/PreparationDt02016-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AARON M STEVENS CPA
ReturnHeader/ReturnTs02016-06-03T15:36:56-05:00
ReturnHeader/ReturnTypeCd0990

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