Civic Intelligence

Greater Cincinnati Microenterprise Initiative Incorporated

990 • Fiscal year 2023 • EIN 31-1595820

Jan 01, 2023 to Dec 31, 2023 • Filed on Nov 14, 2024

Organization Profilewww.gcmi.org

Refreshing map…

1740 Langdon Farm RoadCincinnati, OH 45237

(513) 673-3087

Siviq Scores

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

Liabilities / Assets

47th percentile

0.05x

Higher debt load relative to assets than 47% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Liabilities / Revenue

50th percentile

0.08x

Higher debt load relative to revenue than 50% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Net Margin

70th percentile

16%

Higher net margin than 70% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

72nd percentile

$112,247

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 16.6% of source-year revenue.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2023

Asset Growth

47th percentile

3.5%

Faster asset growth than 47% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

42nd percentile

2.6%

Faster revenue growth than 42% of similar nonprofits.

2023 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$1,115,714

Up $37,605 (+3.5%) from 2022

Net Assets

Up

$1,059,176

Up $109,712 (+12%) from 2022

Liabilities

Down

$56,538

Down $72,107 (-56%) from 2022

Revenue And Expenses
Liabilities / Revenue50th percentileNet Margin70th percentile

Revenue

Up

$677,149

Up $16,947 (+2.6%) from 2022

Expenses

Up

$567,437

Up $84,576 (+18%) from 2022

Net Income

Down

$109,712

Down $67,629 (-38%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth47th percentile

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

$1.5M$1.0M$500K$0Assets 2011: $359,123Liabilities 2011: $31,962Net Assets 2011: $327,1612011Assets 2013: $435,386Liabilities 2013: $39,129Net Assets 2013: $396,2572013Assets 2014: $408,930Liabilities 2014: $46,214Net Assets 2014: $362,7162014Assets 2015: $403,452Liabilities 2015: $23,608Net Assets 2015: $379,8442015Assets 2016: $534,581Liabilities 2016: $30,195Net Assets 2016: $504,3862016Assets 2017: $560,573Liabilities 2017: $38,831Net Assets 2017: $521,7422017Assets 2018: $519,129Liabilities 2018: $30,150Net Assets 2018: $488,9792018Assets 2019: $556,453Liabilities 2019: $42,912Net Assets 2019: $513,5412019Assets 2020: $999,888Liabilities 2020: $518,066Net Assets 2020: $481,8222020Assets 2021: $862,689Liabilities 2021: $90,566Net Assets 2021: $772,1232021Assets 2022: $1,078,109Liabilities 2022: $128,645Net Assets 2022: $949,4642022Assets 2023: $1,115,714Liabilities 2023: $56,538Net Assets 2023: $1,059,1762023

Highlighted filing

2023

Assets$1,115,714
Liabilities$56,538
Net Assets$1,059,176
Open 2023 Filing

Operations Trend

Revenue Growth42nd percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2011: $460,3322011Revenue 2013: $525,119Expenses 2013: $491,880Net Income 2013: $33,2392013Revenue 2014: $431,717Expenses 2014: $465,258Net Income 2014: -$33,5412014Revenue 2015: $404,152Expenses 2015: $387,024Net Income 2015: $17,1282015Revenue 2016: $442,680Expenses 2016: $318,138Net Income 2016: $124,5422016Revenue 2017: $338,777Expenses 2017: $321,421Net Income 2017: $17,3562017Revenue 2018: $329,017Expenses 2018: $361,780Net Income 2018: -$32,7632018Revenue 2019: $400,053Expenses 2019: $375,491Net Income 2019: $24,5622019Revenue 2020: $484,813Expenses 2020: $516,532Net Income 2020: -$31,7192020Revenue 2021: $1,161,853Expenses 2021: $871,553Net Income 2021: $290,3002021Revenue 2022: $660,202Expenses 2022: $482,861Net Income 2022: $177,3412022Revenue 2023: $677,149Expenses 2023: $567,437Net Income 2023: $109,7122023

Highlighted filing

2023

Revenue$677,149
Expenses$567,437
Net Income$109,712
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 14, 2024
Return Version
2023v5.1
Gross Receipts
$677,149
Mission and Program Overview

Mission

To promote the development of business and enterprise in low-income neighborhoods by sponsoring and participating in business training, education, small business loans and ongoing support programs in the greater Cincinnati area.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$835,901$875,317▲ $39,416
Other Notes and Loans Receivable, Net$175,497$148,603▼ $26,894
Accounts Receivable$65,276$90,573▲ $25,297
Prepaid Expenses and Deferred Charges$1,220$1,221▲ $1
Land, Buildings, and Equipment, Net$215--
Total Assets$1,078,109$1,115,714▲ $37,605
Liabilities
Deferred Revenue$44,130$43,130▼ $1,000
Accounts Payable and Accrued Expenses$84,515$13,408▼ $71,107
Total Liabilities$128,645$56,538▼ $72,107
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$807,587$889,133▲ $81,546
Net Assets With Donor Restrictions$141,877$170,043▲ $28,166
Total Net Assets Fund Balance$949,464$1,059,176▲ $109,712
Total Liabilities and Net Assets / Fund Balance$1,078,109$1,115,714▲ $37,605

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$32,105-
Leasehold Improvements-$5,366-
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Willie Hill IIIExecutive DirectorFT$95,972$16,275$112,247

Board Members and Trustees

NameTitle
Glenda CousinsChairperson
Della RuckerVice Chairperson
Bro Abdine LewisDirector
Carmen GainesDirector
Christine HawkinsDirector
Christopher CalvertDirector
Lebruan ColvinDirector
Roddell McCouloughDirector
Lisa PfluegerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$396,134
Program Service Revenue
$275,654
Investment Income
$5,361
Other Revenue
$0
All Other Contributions
$269,901
Change in Net Assets
$109,712
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$297,224
Salaries, Compensation, and Employee Benefits$266,713
Grants and Similar Amounts Paid$3,500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$106,821$38,985-$145,806
Other Salaries and Wages$119,771--$119,771
Current Officers, Directors, Trustees, and Key Employees$66,540$29,432-$95,972
Occupancy$24,515$10,507-$35,022
Information Technology$25,505$8,578-$34,083
Other Employee Benefits$25,332--$25,332
Office Expenses$16,469$1,392-$17,861
Payroll Taxes$14,247$2,251-$16,498
Other Expenses$16,399$981-$16,399
Fees for Services Accounting-$14,838-$14,838
Pension Plan Contributions$4,437$4,703-$9,140
Advertising$5,947$1,982-$7,929
Insurance$2,825$942-$3,767
Grants to Domestic Individuals$3,500--$3,500
Total Functional Expenses$447,354$120,083$0$567,437
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
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
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 governing body review Part VI line 11

“Board Reviews 990 tax return before it is filed”

Conflict of interest policy compliance Part VI line 12C

“Conflict of Interest Policy is reviewed annually”

CEO executive director top management comp Part VI line 15A

“CEO salary is compared to market trends for similar organizations”

Other officer or key employee compensation Part VI line 15B

“Compensation is compared to market trends”

Governing documents etc available to public Part VI line 19

“Governing Documents are available Upon Request Available upon demand”

Filing and Contact Details

Filer

Filer Name
Greater Cincinnati Microenterprise
EIN
31-1595820
Address
1740 Langdon Farm Road, Cincinnati, OH 45237
Doing Business As
Initiative Inc

Signing Officer

Name
Willie Hill
Title
Executive Direc
Phone
5135694816
Signed
2024-11-14
Discuss with paid preparer
No

Organization Details

Formed
1998
Legal Domicile
Oh
Voting Board Members
9
Independent Board Members
9
Employees
3
Volunteers
18

Preparer

Firm
Bob Bright
Address
1880 Whetherstone Ridge, Hebron, KY 41048
Preparer
Bob Bright
Phone
9498585438
Supplemental Narrative

Additional Explanations

List of other fees for services expenses Part IX line 11G

“$10,000 Audit Fee$ 4,838 Payroll Processing Fees$14,838 Total Accounting Fees 11c$115,393 Contractual Services$22,321 Classroom Instruction$1,750 Classroom Coaching$6,342 Lending Coaching$145,806 Total Other 11g”

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IRS990/PayrollTaxesGrp/ProgramServicesAmt014247
IRS990/PayrollTaxesGrp/TotalAmt016498
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt04703
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt04437
IRS990/PensionPlanContributionsGrp/TotalAmt09140
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01220
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01221
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IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0Client Fees
IRS990/ProgramServiceRevenueGrp/Desc1Program Support
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0257704
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt117950
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0257704
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt117950
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0388232
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt06857
IRS990/PYOtherExpensesAmt0269790
IRS990/PYProgramServiceRevenueAmt0265113
IRS990/PYRevenuesLessExpensesAmt0177341
IRS990/PYSalariesCompEmpBnftPaidAmt0213071
IRS990/PYTotalExpensesAmt0482861
IRS990/PYTotalRevenueAmt0660202
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0109712
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0257704
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0671788
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0653646
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01042642
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0434697
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0382640
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt03185413
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt05361
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt05125
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt08686
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt05561
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt06978
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt031711
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99010
IRS990ScheduleA/PublicSupportPY170Pct00.98870
IRS990ScheduleA/PublicSupportTotal170Amt03185413
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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0671788
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IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01042642
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0434697
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0382640
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt03185413
IRS990ScheduleA/TotalSupportAmt03217124
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt032105
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt032105
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt05366
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt05366
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Board Reviews 990 tax return before it is filed
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Conflict of Interest Policy is reviewed annually
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CEO salary is compared to market trends for similar organizations
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Compensation is compared to market trends
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Governing Documents are available Upon Request Available upon demand
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5$10,000 Audit Fee$ 4,838 Payroll Processing Fees$14,838 Total Accounting Fees 11c$115,393 Contractual Services$22,321 Classroom Instruction$1,750 Classroom Coaching$6,342 Lending Coaching$145,806 Total Other 11g
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5List of other fees for services expenses Part IX line 11g
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt01115714
IRS990/TotalAssetsGrp/BOYAmt01078109
IRS990/TotalAssetsGrp/EOYAmt01115714
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0396134
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0120083
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0447354
IRS990/TotalFunctionalExpensesGrp/TotalAmt0567437
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0128645
IRS990/TotalLiabilitiesEOYAmt056538
IRS990/TotalLiabilitiesGrp/BOYAmt0128645
IRS990/TotalLiabilitiesGrp/EOYAmt056538
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0949464
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01059176
IRS990/TotalOtherCompensationAmt016275
IRS990/TotalProgramServiceExpensesAmt0447354
IRS990/TotalProgramServiceRevenueAmt0275654
IRS990/TotalReportableCompFromOrgAmt095972
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0281015
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0677149
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt018
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01078109
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01115714
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.gcmi.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Willie Hill
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Executive Direc
ReturnHeader/BusinessOfficerGrp/PhoneNum05135694816
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Greater Cincinnati Microenterprise
ReturnHeader/Filer/BusinessNameControlTxt0GREA
ReturnHeader/Filer/EIN0311595820
ReturnHeader/Filer/USAddress/AddressLine1Txt01740 Langdon Farm Road
ReturnHeader/Filer/USAddress/CityNm0Cincinnati
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd045237

Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,115,714
Liabilities
$56,538
Net assets
$1,059,176
Revenue
$677,149
Expenses
$567,437
Net income
$109,712
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$1.12$0.06$1.06$0.68$0.57$0.11
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.08$0.13$0.95$0.66$0.48$0.18
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.86$0.09$0.77$1.16$0.87$0.29
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.00$0.52$0.48$0.48$0.52$0.03
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.56$0.04$0.51$0.40$0.38$0.02
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.52$0.03$0.49$0.33$0.36$0.03
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.56$0.04$0.52$0.34$0.32$0.02
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.53$0.03$0.50$0.44$0.32$0.12
2015Detailed filing. Detailed filing data is available for this year.$0.40$0.02$0.38$0.40$0.39$0.02
2014Detailed filing. Detailed filing data is available for this year.$0.41$0.05$0.36$0.43$0.47$0.03
2013Detailed filing. Detailed filing data is available for this year.$0.44$0.04$0.40$0.53$0.49$0.03
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.36$0.03$0.33$0.46