Liabilities / Assets
Score unavailable
Liabilities-to-assets requires both liabilities and assets on the latest valid filing.
Michigan Cra Association
EIN 27-3593757 • 501(c)3 • Midland, MI
Profile
The organization's mission is to identify the credit needs of our communities and actively promote efforts to meet the credit needs of low- or-moderate income families and individuals and to serve as the education branch of the community reinvestment associations in various counties in the state of michigan.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
No value available
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.
Net Margin
54th percentile
Higher net margin than 54% of similar nonprofits.
Top Officer Pay
84th percentile
Higher top officer pay than 84% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
56th percentile
Faster asset growth than 56% of similar nonprofits.
Revenue Growth
56th percentile
Faster revenue growth than 56% of similar nonprofits.
Balance Sheet
Assets
Down$140,834
Down $23,739 (-14%) from 2023
Liabilities
-
No earlier filing loaded for comparison.
Net Assets
Down$140,834
Down $23,739 (-14%) from 2023
Revenue
Down$33,000
Down $15,500 (-32%) from 2023
Expenses
Up$56,739
Up $16,834 (+42%) from 2023
Net Income
Down-$23,739
Down $32,334 (-376%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $140,834
- Liabilities
- -
- Net assets
- $140,834
- Revenue
- $33,000
- Expenses
- $56,739
- Net income
- -$23,739
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- Apr 16, 2025
- Return Version
- 2024v5.0
- Gross Receipts
- $33,000
Mission and Program Overview
Mission
The organization's mission is to identify the credit needs of our communities and actively promote efforts to meet the credit needs of low- or-moderate income families and individuals and to serve as the education branch of the community reinvestment associations in various counties in the state of michigan.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| THE ORGANIZATION'S MISSION IS TO IDENTIFY THE CREDIT NEEDS OF OUR COMMUNITIES AND ACTIVELY PROMOTE EFFORTS TO MEET THE CREDIT NEEDS OF LOW- OR-MODERATE INCOME FAMILIES AND INDIVIDUALS AND TO SERVE AS THE EDUCATION BRANCH OF THE COMMUNITY REINVESTMENT ASSOCIATIONS IN VARIOUS COUNTIES IN THE STATE OF MICHIGAN. | $29,850 | $55,238 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| DONNA STEELE | President | - | $0 | - | - |
| MARK GOULD | Vice Preside | - | $0 | - | - |
| PATRICIA FRANKLIN-LINDSEY | Treasurer | - | $0 | - | - |
| TAMMY WILLIFORD | Co-Treasurer | - | $0 | - | - |
| MISTY MORIARTY | Secretary | - | $0 | - | - |
| DENISE STEELE | Board Member | - | $0 | - | - |
| PAMELA BRAZIL | Board Member | - | $0 | - | - |
| LELIA HATHAWAY | Board Member | - | $0 | - | - |
| LAURA CASTONE | Board Member | - | $0 | - | - |
| GREG RIOS | Board Member | - | $0 | - | - |
| JAMES COLEMAN | Board Member | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Michigan Cra Association
- EIN
- 27-3593757
- Phone
- 9899926878
- Address
- 235 E MAIN ST, MIDLAND, MI 48640
Signing Officer
- Name
- Patricia Franklin-lindsey
- Title
- Treasurer
- Phone
- 2483126380
- Signed
- 2025-04-16
- Discuss with paid preparer
- Yes
Preparer
- Firm
- Altruic Advisors Cpas
- Address
- 417 FOREST AVENUE, PLYMOUTH, MI 48170
- Preparer
- Ryan N Hagan CPA
- Phone
- 8882985297
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 16
“Expenses office supplies 277 information technology 5,600 conferences/meetings 8,409 licenses, fees, and dues 5,500 miscellaneous 113 professional fees 1,900 bank fees 415 meeting expenses 1,425 other program expenses 3,250 total 26,889”
Form 990-ez, Part III
“The organization's mission is to identify the credit needs of our communities and actively promote efforts to meet the credit needs of low- or-moderate income families and individuals and to serve as the education branch of the community reinvestment associations in various counties in the state of michigan.”
Form 990-ez, Part III, Line 28
“The organization's mission is to identify the credit needs of our communities and actively promote efforts to meet the credit needs of low- or-moderate income families and individuals and to serve as the education branch of the community reinvestment associations in various counties in the state of michigan.”
Raw XML Appendix154 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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| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | -23739 |
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| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 140834 |
| IRS990EZ/GrantsAndSimilarAmountsPaidAmt | 0 | 29850 |
| IRS990EZ/GrossReceiptsAmt | 0 | 33000 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
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| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
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| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 9 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 10 | 0 |
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| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | MARK GOULD |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | PATRICIA FRANKLIN-LINDSEY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | TAMMY WILLIFORD |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | MISTY MORIARTY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | DENISE STEELE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | PAMELA BRAZIL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 7 | LELIA HATHAWAY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 8 | LAURA CASTONE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 9 | GREG RIOS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 10 | JAMES COLEMAN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | VICE PRESIDE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | CO-TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | SECRETARY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 7 | BOARD MEMBER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 8 | BOARD MEMBER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 9 | BOARD MEMBER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 10 | BOARD MEMBER |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 26889 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | THE ORGANIZATION'S MISSION IS TO IDENTIFY THE CREDIT NEEDS OF OUR COMMUNITIES AND ACTIVELY PROMOTE EFFORTS TO MEET THE CREDIT NEEDS OF LOW- OR-MODERATE INCOME FAMILIES AND INDIVIDUALS AND TO SERVE AS THE EDUCATION BRANCH OF THE COMMUNITY REINVESTMENT ASSOCIATIONS IN VARIOUS COUNTIES IN THE STATE OF MICHIGAN. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | THE ORGANIZATION'S MISSION IS TO IDENTIFY THE CREDIT NEEDS OF OUR COMMUNITIES AND ACTIVELY PROMOTE EFFORTS TO MEET THE CREDIT NEEDS OF LOW- OR-MODERATE INCOME FAMILIES AND INDIVIDUALS AND TO SERVE AS THE EDUCATION BRANCH OF THE COMMUNITY REINVESTMENT ASSOCIATIONS IN VARIOUS COUNTIES IN THE STATE OF MICHIGAN. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 29850 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 55238 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | false |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | MI |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 56739 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 55238 |
| IRS990EZ/TotalRevenueAmt | 0 | 33000 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | WWW.MICHIGANCRAASSOCIATION.COM |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 33000 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt | 0 | 48500 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 48750 |
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| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 43750 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 221089 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportPY170Pct | 0 | 1.00000 |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 221089 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind | 0 | X |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 33000 |
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| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 221089 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 221089 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | EXPENSES OFFICE SUPPLIES 277 INFORMATION TECHNOLOGY 5,600 CONFERENCES/MEETINGS 8,409 LICENSES, FEES, AND DUES 5,500 MISCELLANEOUS 113 PROFESSIONAL FEES 1,900 BANK FEES 415 MEETING EXPENSES 1,425 OTHER PROGRAM EXPENSES 3,250 TOTAL 26,889 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE ORGANIZATION'S MISSION IS TO IDENTIFY THE CREDIT NEEDS OF OUR COMMUNITIES AND ACTIVELY PROMOTE EFFORTS TO MEET THE CREDIT NEEDS OF LOW- OR-MODERATE INCOME FAMILIES AND INDIVIDUALS AND TO SERVE AS THE EDUCATION BRANCH OF THE COMMUNITY REINVESTMENT ASSOCIATIONS IN VARIOUS COUNTIES IN THE STATE OF MICHIGAN. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE ORGANIZATION'S MISSION IS TO IDENTIFY THE CREDIT NEEDS OF OUR COMMUNITIES AND ACTIVELY PROMOTE EFFORTS TO MEET THE CREDIT NEEDS OF LOW- OR-MODERATE INCOME FAMILIES AND INDIVIDUALS AND TO SERVE AS THE EDUCATION BRANCH OF THE COMMUNITY REINVESTMENT ASSOCIATIONS IN VARIOUS COUNTIES IN THE STATE OF MICHIGAN. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART III |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART III, LINE 28 |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | PATRICIA FRANKLIN-LINDSEY |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | TREASURER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2483126380 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-04-16 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | MICHIGAN CRA ASSOCIATION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | MICH |
| ReturnHeader/Filer/EIN | 0 | 273593757 |
| ReturnHeader/Filer/PhoneNum | 0 | 9899926878 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 235 E MAIN ST |
| ReturnHeader/Filer/USAddress/CityNm | 0 | MIDLAND |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 48640 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | false |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 461335331 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | ALTRUIC ADVISORS CPAS |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 417 FOREST AVENUE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | PLYMOUTH |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 48170 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 8882985297 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-04-16 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | RYAN N HAGAN CPA |
| ReturnHeader/ReturnTs | 0 | 2025-04-18T09:19:51-04:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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