Civic Intelligence

St. Joseph Community Co-Op Inc.

990 • Fiscal year 2015 • EIN 20-4280955

Oct 01, 2014 to Sep 30, 2015 • Filed on Jan 06, 2016

811 Broadus StreetSturgis, MI 49091

(269) 659-4525

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

88th percentile

0.71x

Higher debt load relative to assets than 88% of similar nonprofits.

2015 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2015

Liabilities / Revenue

74th percentile

0.21x

Higher debt load relative to revenue than 74% of similar nonprofits.

2015 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2015

Net Margin

27th percentile

-5.4%

Higher net margin than 27% of similar nonprofits.

2015 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2015

Top Officer Pay

65th percentile

$48,373

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 9.6% of source-year revenue.

2015 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2015

Asset Growth

19th percentile

-8.0%

Faster asset growth than 19% of similar nonprofits.

2015 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2014 to 2015

Revenue Growth

10th percentile

-34%

Faster revenue growth than 10% of similar nonprofits.

2015 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2014 to 2015

Assets

Down

$150,424

Down $13,111 (-8.0%) from 2014

Net Assets

Down

$42,914

Down $27,029 (-39%) from 2014

Liabilities

Up

$107,510

Up $13,918 (+15%) from 2014

Revenue

Down

$504,476

Down $260,934 (-34%) from 2014

Expenses

Down

$531,505

Down $22,969 (-4.1%) from 2014

Net Income

Down

-$27,029

Down $237,965 (-113%) from 2014

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.0M$500K$0-$500KAssets 2011: $39,891Liabilities 2011: $141,0892011Assets 2012: $48,707Liabilities 2012: $168,879Net Assets 2012: -$120,1722012Assets 2013: $59,907Liabilities 2013: $190,771Net Assets 2013: -$130,8642013Assets 2014: $163,535Liabilities 2014: $93,592Net Assets 2014: $69,9432014Assets 2015: $150,424Liabilities 2015: $107,510Net Assets 2015: $42,9142015Assets 2016: $275,607Liabilities 2016: $9,379Net Assets 2016: $266,2282016Assets 2017: $370,682Liabilities 2017: $1,648Net Assets 2017: $369,0342017Assets 2018: $445,859Liabilities 2018: $84,537Net Assets 2018: $361,3222018Assets 2019: $518,311Liabilities 2019: $66,664Net Assets 2019: $451,6472019Assets 2020: $844,368Liabilities 2020: $143,526Net Assets 2020: $700,8422020Assets 2021: $845,273Liabilities 2021: $137,917Net Assets 2021: $707,3562021Assets 2022: $807,951Liabilities 2022: $139,335Net Assets 2022: $668,6162022Assets 2023: $816,083Liabilities 2023: $120,614Net Assets 2023: $695,4692023Assets 2024: $744,557Liabilities 2024: $96,107Net Assets 2024: $648,4502024Assets 2025: $594,648Liabilities 2025: $2,179Net Assets 2025: $592,4692025

Highlighted filing

2015

Assets$150,424
Liabilities$107,510
Net Assets$42,914

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500KRevenue 2011: $147,041Expenses 2011: $152,890Net Income 2011: -$5,8492011Revenue 2012: $220,207Expenses 2012: $239,181Net Income 2012: -$18,9742012Revenue 2013: $302,027Expenses 2013: $317,647Net Income 2013: -$15,6202013Revenue 2014: $765,410Expenses 2014: $554,474Net Income 2014: $210,9362014Revenue 2015: $504,476Expenses 2015: $531,505Net Income 2015: -$27,0292015Revenue 2016: $1,194,126Expenses 2016: $970,812Net Income 2016: $223,3142016Revenue 2017: $1,260,155Expenses 2017: $1,157,349Net Income 2017: $102,8062017Revenue 2018: $1,151,077Expenses 2018: $1,158,789Net Income 2018: -$7,7122018Revenue 2019: $1,490,793Expenses 2019: $1,400,468Net Income 2019: $90,3252019Revenue 2020: $1,449,391Expenses 2020: $1,200,194Net Income 2020: $249,1972020Revenue 2021: $1,191,257Expenses 2021: $1,184,743Net Income 2021: $6,5142021Revenue 2022: $1,196,209Expenses 2022: $1,234,949Net Income 2022: -$38,7402022Revenue 2023: $1,379,553Expenses 2023: $1,352,700Net Income 2023: $26,8532023Revenue 2024: $1,200,126Expenses 2024: $1,247,145Net Income 2024: -$47,0192024Revenue 2025: $661,402Expenses 2025: $717,383Net Income 2025: -$55,9812025

Highlighted filing

2015

Revenue$504,476
Expenses$531,505
Net Income-$27,029
Jump To
Filing Snapshot
Filing Period
Oct 1, 2014 to Sep 30, 2015
Signed
Jan 6, 2016
Return Version
2014v6.0
Gross Receipts
$504,476
Mission and Program Overview

Mission

Our organization trains and supports individuals who want the economic opportunities that gainful employment provides. We do this in part by providing high quality, value added services to enterprises in our service area.

To provide quality, value added goods and services to our customers while expanding employment opportunities for our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$56,252$68,597▲ $12,345
Rtn Earn Endowment Incm Other Fnds$69,943$42,914▼ $27,029
Land, Buildings, and Equipment, Net$33,831$42,068▲ $8,237
Cash and Non-Interest-Bearing Accounts$72,416$35,292▼ $37,124
Prepaid Expenses and Deferred Charges$1,036$4,467▲ $3,431
Total Assets$163,535$150,424▼ $13,111
Liabilities
Other Liabilities$38,515$55,100▲ $16,585
Accounts Payable and Accrued Expenses$55,077$52,410▼ $2,667
Total Liabilities$93,592$107,510▲ $13,918
Net Assets / Fund Balance
Total Net Assets Fund Balance$69,943$42,914▼ $27,029
Total Liabilities and Net Assets / Fund Balance$163,535$150,424▼ $13,111

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$42,068$37,233$79,301
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Sheri K BoughtonExecutive DiFT$48,373$48,373
Danielle KingPresident-$5,624$5,624
Noah EicherVice Preside-$4,526$4,526
Diann NicholsMember-$2,331$2,331
Matt ShafferSecretary-$2,109$2,109
Bill PraterTreasurer-$1,109$1,109
Revenue and Support

Revenue Composition

Contributions and Grants
$21,300
Program Service Revenue
$474,495
Investment Income
$0
Other Revenue
$8,681
All Other Contributions
$21,300
Change in Net Assets
$-27,029
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$351,242
Other Expenses$180,263
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$219,901$38,385-$258,286
Occupancy-$85,862-$85,862
Current Officers, Directors, Trustees, and Key Employees$15,699$48,373-$64,072
Payroll Taxes$21,523$7,361-$28,884
Insurance$18,860$2,552-$21,412
Office Expenses-$12,615-$12,615
Travel$10,140--$10,140
Depreciation Depletion$9,199--$9,199
Fees for Services Legal-$3,004-$3,004
Information Technology-$2,130-$2,130
All Other Expenses$1,271$603-$1,874
Fees for Services Accounting-$1,700-$1,700
Other Expenses$5,738$1,669-$1,669
Advertising-$833-$833
Total Functional Expenses$302,331$229,174$0$531,505
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liability$55,100
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

MEMBERS

Form 990, Page 6, Part VI, Line 7A

Board of directors elects governing members.

Form 990, Page 6, Part VI, Line 11B

Form 990 and supporting are prepared by an external accounting firm, management reviews form 990 prior to filing.

Form 990, Page 6, Part VI, Line 15A

Annual review of executive director salary by the board of directors.

Form 990, Page 6, Part VI, Line 19

Form 990 is made available on www.guidestar.org, a public nonprofit information website.

Filing and Contact Details

Filer

Filer Name
St Joseph Community Co-op
EIN
20-4280955
Phone
2696594525
Address
811 BROADUS STREET, STURGIS, MI 49091

Signing Officer

Name
Danielle King
Title
President
Phone
2696594525
Signed
2016-01-06

Organization Details

Principal Officer
Sheri K Boughton
Formed
2006
Legal Domicile
Mi
Voting Board Members
5
Independent Board Members
5
Employees
65

Preparer

Firm
Locey CPA LLC
Address
PO BOX 7037 67036 N M-66, STURGIS, MI 49091
Preparer
Kimberlee Bontrager CPA
Phone
2696514225
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

Compiled three smaller programs into line 4d. Recycling, transportation, and shredding.

Form 990, Part V, Line 13A

The organization is not licensed to issue qualified health plans in michigan, and no reserves are maintained and/or reported to the state.

Raw XML Appendix394 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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IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0289292
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IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0220207
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IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt079301
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0COMPILED THREE SMALLER PROGRAMS INTO LINE 4D. RECYCLING, TRANSPORTATION, AND SHREDDING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION IS NOT LICENSED TO ISSUE QUALIFIED HEALTH PLANS IN MICHIGAN, AND NO RESERVES ARE MAINTAINED AND/OR REPORTED TO THE STATE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD OF DIRECTORS ELECTS GOVERNING MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FORM 990 AND SUPPORTING ARE PREPARED BY AN EXTERNAL ACCOUNTING FIRM, MANAGEMENT REVIEWS FORM 990 PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ANNUAL REVIEW OF EXECUTIVE DIRECTOR SALARY BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FORM 990 IS MADE AVAILABLE ON WWW.GUIDESTAR.ORG, A PUBLIC NONPROFIT INFORMATION WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART V, LINE 13A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalOtherProgSrvcRevenueAmt034928
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IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt024349 MINTDALE RD
IRS990/USAddress/CityNm0STURGIS
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd049091
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.STJOECO-OP.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DANIELLE KING
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02696594525
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-01-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ST JOSEPH COMMUNITY CO-OP
ReturnHeader/Filer/BusinessNameControlTxt0STJO
ReturnHeader/Filer/EIN0204280955
ReturnHeader/Filer/PhoneNum02696594525
ReturnHeader/Filer/USAddress/AddressLine1Txt0811 BROADUS STREET
ReturnHeader/Filer/USAddress/CityNm0STURGIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049091
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0472912366
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LOCEY CPA LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 7037 67036 N M-66
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0STURGIS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd049091
ReturnHeader/PreparerPersonGrp/PhoneNum02696514225
ReturnHeader/PreparerPersonGrp/PreparationDt02016-01-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KIMBERLEE BONTRAGER CPA
ReturnHeader/ReturnTs02016-01-11T16:25:45-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-10-01
ReturnHeader/TaxPeriodEndDt02015-09-30
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.59$0.00$0.59$0.66$0.72$0.06
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.74$0.10$0.65$1.20$1.25$0.05
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.82$0.12$0.70$1.38$1.35$0.03
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.81$0.14$0.67$1.20$1.23$0.04
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.85$0.14$0.71$1.19$1.18$0.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.84$0.14$0.70$1.45$1.20$0.25
2019Summary only. Only limited summary data is available for this year.$0.52$0.07$0.45$1.49$1.40$0.09
2018Summary only. Only limited summary data is available for this year.$0.45$0.08$0.36$1.15$1.16$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.37$0.00$0.37$1.26$1.16$0.10
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.28$0.01$0.27$1.19$0.97$0.22
2015Detailed filing. Detailed filing data is available for this year.$0.15$0.11$0.04$0.50$0.53$0.03
2014Summary only. Only limited summary data is available for this year.$0.16$0.09$0.07$0.77$0.55$0.21
2013Summary only. Only limited summary data is available for this year.$0.06$0.19$0.13$0.30$0.32$0.02
2012Summary only. Only limited summary data is available for this year.$0.05$0.17$0.12$0.22$0.24$0.02
2011Summary only. Only limited summary data is available for this year.$0.04$0.14$0.15$0.15$0.01
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)3 • $500k-$1M nonprofits