Civic Intelligence

Chippewa-Luce-Mackinac Community Action Human Resource Authority Inc

EIN 38-1798626 • 501(c)3 • Sault Ste Marie, MI

Profile

The purpose of this corporation is to mobilize and utilize resources, public and private, in the chippewa, luce, and mackinac county area in an attack on poverty; to provide decent housing that is affordable to low-income and moderate-income persons; to provide services, assistance and other activities of sufficient size and scope to give promise to program toward elimination of poverty, or its cause, through developing employment opportunities, improving human performance, motivation, and productivity, or bettering the conditions under which people live, learn and work, and which is developed, and administered with the maximum feasible participation of residents of the area as members of the group served.

524 Ashmun StSault Ste Marie, MI 49783

www.clmcaa.com

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.30x

Higher debt load relative to assets than 62% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

40th percentile

0.15x

Higher debt load relative to revenue than 40% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Net Margin

39th percentile

0.7%

Higher net margin than 39% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

24th percentile

$107,782

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Asset Growth

10th percentile

-12%

Faster asset growth than 10% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

41st percentile

3.4%

Faster revenue growth than 41% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Assets

Down

$6,084,873

Down $793,286 (-12%) from 2023

Liabilities

Down

$1,805,486

Down $800,887 (-31%) from 2023

Net Assets

Up

$4,279,387

Up $7,601 (+0.2%) from 2023

Revenue

Up

$12,313,495

Up $404,037 (+3.4%) from 2023

Expenses

Up

$12,222,410

Up $965,095 (+8.6%) from 2023

Net Income

Down

$91,085

Down $561,058 (-86%) from 2023

Trend Graphs

Balance Sheet Trend

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2011: $6,086,602Liabilities 2011: $2,554,176Net Assets 2011: $3,532,4262011Assets 2012: $5,933,069Liabilities 2012: $2,554,930Net Assets 2012: $3,378,1392012Assets 2013: $5,858,366Liabilities 2013: $2,518,196Net Assets 2013: $3,340,1702013Assets 2014: $5,430,497Liabilities 2014: $2,231,856Net Assets 2014: $3,198,6412014Assets 2015: $5,316,961Liabilities 2015: $2,083,610Net Assets 2015: $3,233,3512015Assets 2016: $5,302,755Liabilities 2016: $2,496,765Net Assets 2016: $2,805,9902016Assets 2017: $5,355,011Liabilities 2017: $2,223,527Net Assets 2017: $3,131,4842017Assets 2018: $5,096,826Liabilities 2018: $2,353,624Net Assets 2018: $2,743,2022018Assets 2019: $5,464,397Liabilities 2019: $2,215,586Net Assets 2019: $3,248,8112019Assets 2020: $6,798,421Liabilities 2020: $2,793,629Net Assets 2020: $4,004,7922020Assets 2021: $6,136,968Liabilities 2021: $2,007,573Net Assets 2021: $4,129,3952021Assets 2022: $6,243,476Liabilities 2022: $1,862,654Net Assets 2022: $4,380,8222022Assets 2023: $6,878,159Liabilities 2023: $2,606,373Net Assets 2023: $4,271,7862023Assets 2024: $6,084,873Liabilities 2024: $1,805,486Net Assets 2024: $4,279,3872024

Highlighted filing

2024

Assets$6,084,873
Liabilities$1,805,486
Net Assets$4,279,387

Operations Trend

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

$15M$10M$5.0M$0-$5.0MRevenue 2011: $8,485,343Expenses 2011: $8,848,287Net Income 2011: -$362,9442011Expenses 2012: $8,388,4682012Revenue 2013: $7,215,818Expenses 2013: $7,464,581Net Income 2013: -$248,7632013Revenue 2014: $7,482,687Expenses 2014: $7,854,706Net Income 2014: -$372,0192014Revenue 2015: $8,099,916Expenses 2015: $8,172,222Net Income 2015: -$72,3062015Revenue 2016: $7,851,397Expenses 2016: $8,279,337Net Income 2016: -$427,9402016Revenue 2017: $9,554,547Expenses 2017: $9,230,331Net Income 2017: $324,2162017Revenue 2018: $9,022,073Expenses 2018: $9,412,385Net Income 2018: -$390,3122018Revenue 2019: $9,155,237Expenses 2019: $9,006,458Net Income 2019: $148,7792019Revenue 2020: $9,806,735Expenses 2020: $9,664,469Net Income 2020: $142,2662020Revenue 2021: $10,393,284Expenses 2021: $10,277,779Net Income 2021: $115,5052021Revenue 2022: $11,321,204Expenses 2022: $11,063,403Net Income 2022: $257,8012022Revenue 2023: $11,909,458Expenses 2023: $11,257,315Net Income 2023: $652,1432023Revenue 2024: $12,313,495Expenses 2024: $12,222,410Net Income 2024: $91,0852024

Highlighted filing

2024

Revenue$12,313,495
Expenses$12,222,410
Net Income$91,085

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$6.08$1.81$4.28$12.3$12.2$0.09
2023Detailed filing. Detailed filing data is available for this year.$6.88$2.61$4.27$11.9$11.3$0.65
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.24$1.86$4.38$11.3$11.1$0.26
2021Detailed filing. Detailed filing data is available for this year.$6.14$2.01$4.13$10.4$10.3$0.12
2020Detailed filing. Detailed filing data is available for this year.$6.80$2.79$4.00$9.81$9.66$0.14
2019Detailed filing. Detailed filing data is available for this year.$5.46$2.22$3.25$9.16$9.01$0.15
2018Detailed filing. Detailed filing data is available for this year.$5.10$2.35$2.74$9.02$9.41$0.39
2017Detailed filing. Detailed filing data is available for this year.$5.36$2.22$3.13$9.55$9.23$0.32
2016Detailed filing. Detailed filing data is available for this year.$5.30$2.50$2.81$7.85$8.28$0.43
2015Detailed filing. Detailed filing data is available for this year.$5.32$2.08$3.23$8.10$8.17$0.07
2014Detailed filing. Detailed filing data is available for this year.$5.43$2.23$3.20$7.48$7.85$0.37
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.86$2.52$3.34$7.22$7.46$0.25
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.93$2.55$3.38$8.39
2011Summary only. Only limited summary data is available for this year.$6.09$2.55$3.53$8.49$8.85$0.36
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Jul 28, 2025
Return Version
2023v6.0
Gross Receipts
$12,415,998
Mission and Program Overview

Mission

The purpose of this corporation is to mobilize and utilize resources, public and private, in the chippewa, luce and mackinac county area in an attack on poverty; to provide decent housing that is affordable to low- income and moderate-income persons; to provide services, assistance and other activities of sufficient size and scope to give promise to program toward elimination of poverty, or its cause, through developing employment opportunities, improving human performance, motivation, and productivity, or bettering the conditions under which people live, learn and work, and which is developed and administered with the maximum feasible participation of residents of the area as members of the group served.

To strengthen, supplement and coordinate the efforts of the community in eliminating poverty by improving the opportunities for education, training, employment, and to improve the opportunities of individuals to live in decency and dignity by the operation of community action programs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$3,330,421$3,204,647▼ $125,774
Savings and Temporary Cash Investments$1,831,576$1,454,734▼ $376,842
Pledges and Grants Receivable$1,032,458$700,527▼ $331,931
Investments Other Securities$384,849$387,131▲ $2,282
Accounts Receivable$103,425$179,657▲ $76,232
Prepaid Expenses and Deferred Charges$117,113$92,360▼ $24,753
Inventories for Sale or Use$43,248$45,654▲ $2,406
Cash and Non-Interest-Bearing Accounts$18,609$20,163▲ $1,554
Investments in Publicly Traded Securities$16,460--
Total Assets$6,878,159$6,084,873▼ $793,286
Liabilities
Mortgage Notes Payable Secured by Investment Property$1,172,603$1,119,434▼ $53,169
Accounts Payable and Accrued Expenses$687,095$685,952▼ $1,143
Deferred Revenue$746,675$100▼ $746,575
Total Liabilities$2,606,373$1,805,486▼ $800,887
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$4,271,786$4,279,387▲ $7,601
Total Net Assets Fund Balance$4,271,786$4,279,387▲ $7,601
Total Liabilities and Net Assets / Fund Balance$6,878,159$6,084,873▼ $793,286

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,673,438$3,552,909$6,226,347
Equipment$309,905$1,412,549$1,722,454
Land$221,304-$221,304
Financial Derivatives$387,131--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Joe NolanExecutive DiFT$82,646$25,136$107,782

Board Members and Trustees

NameTitle
Kathy TwardyChairperson
John BatchelderVice Chairpe
Andrew RubinsteinDirector
Barb BennettDirector
Becky DavisDirector
Bill HenryDirector
Danielle Haske-mielkeDirector
Dennis HendricksonDirector
Jim TraynorDirector
Judy St Louis-scottDirector
Kayla PelterDirector
Margaret RobbinsDirector
Rev Melinda VandersysDirector
Seth JohnsonDirector
Karen GreggFinance Dire
Donn RileySecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$10,819,282
Program Service Revenue
$1,408,889
Investment Income
$152,030
Other Revenue
$-66,706
All Other Contributions
$44,068
Change in Net Assets
$91,085

Audited Revenue Reconciliation

Revenue per Audited Statements
$12,296,055
Revenue Not Reported on Financial Statements
$17,440
Revenue Not Reported on Form 990
$758,425
Other Revenue Adjustments
$17,440
Total Revenue per Audited Statements
$13,054,480
Total Revenue per Form 990
$12,313,495
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$7,487,838
Other Expenses$4,734,572
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$4,966,841$570,373-$5,537,214
Occupancy$887,320$53,915-$941,235
Other Employee Benefits$690,920$149,045-$839,965
Payroll Taxes$594,896$59,654-$654,550
Pension Plan Contributions$295,283--$295,283
Depreciation Depletion$268,070--$268,070
Travel$167,039$25,405-$192,444
Other Expenses$169,917$32,261-$169,917
All Other Expenses$76,816$32,510-$109,326
Current Officers, Directors, Trustees, and Key Employees$61,832$44,143-$105,975
Interest$67,100--$67,100
Comp Disqual Persons$54,851--$54,851
Total Functional Expenses$11,089,191$1,133,219$0$12,222,410

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$12,969,142
Expenses per Audited Statements$12,222,410
Total Expenses per Form 990$12,222,410
Expenses Not Reported on Form 990$746,732
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
Audit committee
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, Page 6, Part VI, Line 11B

The 990 will be provided to and reviewed by the finance committee of the executive board.

Form 990, Page 6, Part VI, Line 12C

A conflict of interest policy and agreement is provided to the board members on an annual basis for completion and signature. They are also provided with a list of vendors and employees on an annual basis to make such determinations. The forms are reviewed by clmcaa and any potential conflicts are noted. If a conflict exists, board members are not permitted to discuss or vote on those items where conflict exist. The forms are filed in the administrative offices of clmcaa.

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

The executive director compensation is reviewed and recommended by the executive committee of the clmcaa board of directors for approval by the board. The executive sets the salary for key employees of the organization.

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

The executive director sets the salary for key employees of the organization.

Form 990, Page 6, Part VI, Line 19

The organization makes it's governing documents, conflict of interest policy and financial statements available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Chippewa-luce-mackinac Community
EIN
38-1798626
Phone
9066323363
Address
524 ASHMUN ST, SAULT STE MARIE, MI 49783

Signing Officer

Name
Joe Nolan
Title
Executive Director
Phone
9066323363
Signed
2025-07-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joe Nolan
Formed
1965
Legal Domicile
Mi
Voting Board Members
15
Independent Board Members
15
Employees
294
Volunteers
998

Preparer

Firm
Andersontackman & Company Plc
Address
16978 S RILEY AVE, KINCHELOE, MI 49788
Preparer
Tori Kruise CPA
Phone
9064955952
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

The purpose of this corporation is to mobilize and utilize resources, public and private, in the chippewa, luce and mackinac county area in an attack on poverty; to provide decent housing that is affordable to low- income and moderate-income persons; to provide services, assistance and other activities of sufficient size and scope to give promise to program toward elimination of poverty, or its cause, through developing employment opportunities, improving human performance, motivation, and productivity, or bettering the conditions under which people live, learn and work, and which is developed and administered with the maximum feasible participation of residents of the area as members of the group served.

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

Housing & community development: administers programs to residents in a three county region, including housing rehabilitation and homebuyer assistance programs. Energy crisis: assisted low income people n meeting the costs of home energy, defined as heating and cooling of residences, to increase their energy self-sufficiency and reduce their vulnerability resulting from energy needs. Community services: coordination of day to day efforts of the organization, including food distribution, housing, senior services and outreach activities. Property management and pland fund: rents office space to tenants in the avery square building and accounts for the assets, debt and equipment expenses related to its administration and program buildings in sault ste. Marie, st. Ignace, and newberry, michigan

Form 990, Part XI, Line 9

K-1: avery square 2,475 k-1: hps llc -378 k-1: smrc ldha lp -83,697 k-1: st. Ignace senior living ldha -10 k-1: smrc ldha lp 64,308 k-1: st. Ignace senior living ldha 301 k-1: avery square -272 k-1: hps llc -167 total -17,440

Financial Statement Notes

Schedule D, Page 4, Part XI, Line 4B

K-1: avery square -2,475 k-1: hps llc 378 k-1: smrc ldha lp 83,697 k-1: st. Ignace senior living ldha 10 k-1: smrc ldha lp -64,308 k-1: st. Ignace senior living ldha -301 k-1: avery square 272 k-1: hps llc 167

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