Civic Intelligence

St. Charles District Library

990 • Fiscal year 2025 • EIN 38-1843270

Apr 01, 2024 to Mar 31, 2025 • Filed on May 13, 2025

132 S Saginaw StreetSt Charles, MI 48655

(989) 865-9451

Siviq Scores

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

Liabilities / Assets

51st percentile

0.01x

Higher debt load relative to assets than 51% of similar nonprofits.

2025 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2025

Liabilities / Revenue

55th percentile

0.03x

Higher debt load relative to revenue than 55% of similar nonprofits.

2025 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2025

Net Margin

73rd percentile

18%

Higher net margin than 73% of similar nonprofits.

2025 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2025

Top Officer Pay

58th percentile

$300

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 0.1% of source-year revenue.

2025 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2025

Asset Growth

66th percentile

11%

Faster asset growth than 66% of similar nonprofits.

2025 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Revenue Growth

13th percentile

-24%

Faster revenue growth than 13% of similar nonprofits.

2025 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Assets

Up

$661,960

Up $64,029 (+11%) from 2024

Net Assets

Up

$652,536

Up $63,817 (+11%) from 2024

Liabilities

Up

$9,424

Up $212 (+2.3%) from 2024

Revenue

Down

$354,142

Down $109,485 (-24%) from 2024

Expenses

Up

$290,325

Up $63,210 (+28%) from 2024

Net Income

Down

$63,817

Down $172,695 (-73%) from 2024

Historical Trend

Balance Sheet Trend

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

$800K$600K$400K$200K$0Assets 2011: $323,862Liabilities 2011: $6,981Net Assets 2011: $316,8812011Assets 2012: $310,097Liabilities 2012: $2,935Net Assets 2012: $307,1622012Assets 2013: $312,157Liabilities 2013: $14,222Net Assets 2013: $297,9352013Assets 2014: $298,520Liabilities 2014: $11,048Net Assets 2014: $287,4722014Assets 2015: $315,367Liabilities 2015: $7,225Net Assets 2015: $308,1422015Assets 2016: $336,134Liabilities 2016: $12,236Net Assets 2016: $323,8982016Assets 2017: $451,626Liabilities 2017: $957Net Assets 2017: $450,6692017Assets 2018: $301,768Liabilities 2018: $10,502Net Assets 2018: $291,2662018Assets 2019: $299,715Liabilities 2019: $3,015Net Assets 2019: $296,7002019Assets 2020: $319,176Liabilities 2020: $9,707Net Assets 2020: $309,4692020Assets 2021: $342,701Liabilities 2021: $8,000Net Assets 2021: $334,7012021Assets 2022: $372,086Liabilities 2022: $10,690Net Assets 2022: $361,3962022Assets 2023: $363,294Liabilities 2023: $11,087Net Assets 2023: $352,2072023Assets 2024: $597,931Liabilities 2024: $9,212Net Assets 2024: $588,7192024Assets 2025: $661,960Liabilities 2025: $9,424Net Assets 2025: $652,5362025

Highlighted filing

2025

Assets$661,960
Liabilities$9,424
Net Assets$652,536

Operations Trend

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

$600K$400K$200K$0-$200KExpenses 2011: $204,3922011Revenue 2012: $213,650Expenses 2012: $223,369Net Income 2012: -$9,7192012Revenue 2013: $225,080Expenses 2013: $234,307Net Income 2013: -$9,2272013Revenue 2014: $203,209Expenses 2014: $213,672Net Income 2014: -$10,4632014Revenue 2015: $222,761Expenses 2015: $202,091Net Income 2015: $20,6702015Revenue 2016: $213,915Expenses 2016: $198,159Net Income 2016: $15,7562016Revenue 2017: $332,224Expenses 2017: $205,453Net Income 2017: $126,7712017Revenue 2018: $316,915Expenses 2018: $476,318Net Income 2018: -$159,4032018Revenue 2019: $328,902Expenses 2019: $323,468Net Income 2019: $5,4342019Revenue 2020: $247,987Expenses 2020: $235,218Net Income 2020: $12,7692020Revenue 2021: $241,030Expenses 2021: $215,798Net Income 2021: $25,2322021Revenue 2022: $246,170Expenses 2022: $219,475Net Income 2022: $26,6952022Revenue 2023: $250,347Expenses 2023: $259,536Net Income 2023: -$9,1892023Revenue 2024: $463,627Expenses 2024: $227,115Net Income 2024: $236,5122024Revenue 2025: $354,142Expenses 2025: $290,325Net Income 2025: $63,8172025

Highlighted filing

2025

Revenue$354,142
Expenses$290,325
Net Income$63,817
Jump To
Filing Snapshot
Filing Period
Apr 1, 2024 to Mar 31, 2025
Signed
May 13, 2025
Return Version
2024v5.0
Gross Receipts
$354,142
Mission and Program Overview

Mission

Provide reference & reading

Provide reference and reading

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$399,668$559,187▲ $159,519
Cash and Non-Interest-Bearing Accounts$169,683$81,228▼ $88,455
Accounts Receivable$22,839$15,667▼ $7,172
Prepaid Expenses and Deferred Charges$5,741$5,878▲ $137
Total Assets$597,931$661,960▲ $64,029
Liabilities
Accounts Payable and Accrued Expenses$5,466$5,434▼ $32
Deferred Revenue$3,746$3,990▲ $244
Total Liabilities$9,212$9,424▲ $212
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$535,095$554,997▲ $19,902
Net Assets With Donor Restrictions$53,624$97,539▲ $43,915
Total Net Assets Fund Balance$588,719$652,536▲ $63,817
Total Liabilities and Net Assets / Fund Balance$597,931$661,960▲ $64,029
Compensation and Service Providers

Employees

NameTitleBaseTotal
Richard FulmerPresident$300$300
Joann ThibodeauTreasurer$270$270
Nancy MaulTrustee$270$270
Jennifer Rosser-nesbitVice Preside$240$240
Lisa SouleTrustee$180$180
Mary MoellerSecretary$180$180
Revenue and Support

Revenue Composition

Contributions and Grants
$326,227
Program Service Revenue
$5,121
Investment Income
$22,794
Other Revenue
$0
All Other Contributions
$68,166
Change in Net Assets
$63,817

Audited Revenue Reconciliation

Revenue per Audited Statements
$354,142
Total Revenue per Audited Statements
$354,142
Total Revenue per Form 990
$354,142
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$159,595
Salaries, Compensation, and Employee Benefits$130,730
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$54,242$65,860-$120,102
Occupancy$34,311$7,533-$41,844
Office Expenses$29,553$6,488-$36,041
Payroll Taxes$4,150$5,038-$9,188
Insurance$6,839$1,501-$8,340
All Other Expenses$4,056--$4,056
Fees for Services Accounting-$3,965-$3,965
Other Expenses$2,880--$2,880
Current Officers, Directors, Trustees, and Key Employees-$1,440-$1,440
Travel$20$28-$48
Total Functional Expenses$198,472$91,853$0$290,325

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$290,325
Total Expenses per Audited Statements$290,325
Total Expenses per Form 990$290,325
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
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
No
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 11B

AT BOARD MEETINGS

Form 990, Page 6, Part VI, Line 19

UPON REQUEST

Filing and Contact Details

Filer

Filer Name
St Charles District Library
EIN
38-1843270
Phone
9898659451
Address
132 S SAGINAW STREET, ST CHARLES, MI 48655

Signing Officer

Name
Richard Fulmer
Title
President
Phone
9898659451
Signed
2025-05-13

Organization Details

Principal Officer
Richard Fulmer
Formed
1978
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
6
Employees
11
Volunteers
6

Preparer

Firm
Berthiaume & Company Cpas
Address
60 HARROW LN, SAGINAW, MI 48638
Preparer
Kenneth a Berthiaume
Phone
9897911555
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

BOARD

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

The st. Charles district library provides materials for reference, recreational reading, and listening to the general public.

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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/TotalSupportAmt01534359
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/ScheduleBRequiredInd0true
IRS990ScheduleD/ExpensesSubtotalAmt0290325
IRS990ScheduleD/RevenueSubtotalAmt0354142
IRS990ScheduleD/TotalExpensesPerForm990Amt0290325
IRS990ScheduleD/TotalRevenuePerForm990Amt0354142
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0354142
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0290325
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ST. CHARLES DISTRICT LIBRARY PROVIDES MATERIALS FOR REFERENCE, RECREATIONAL READING, AND LISTENING TO THE GENERAL PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AT BOARD MEETINGS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MI
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0597931
IRS990/TotalAssetsEOYAmt0661960
IRS990/TotalAssetsGrp/BOYAmt0597931
IRS990/TotalAssetsGrp/EOYAmt0661960
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0326227
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt091853
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0198472
IRS990/TotalFunctionalExpensesGrp/TotalAmt0290325
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt09212
IRS990/TotalLiabilitiesEOYAmt09424
IRS990/TotalLiabilitiesGrp/BOYAmt09212
IRS990/TotalLiabilitiesGrp/EOYAmt09424
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0588719
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0652536
IRS990/TotalProgramServiceExpensesAmt0198472
IRS990/TotalProgramServiceRevenueAmt05121
IRS990/TotalReportableCompFromOrgAmt01440
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt027915
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0354142
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0597931
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0661960
IRS990/TravelGrp/ManagementAndGeneralAmt028
IRS990/TravelGrp/ProgramServicesAmt020
IRS990/TravelGrp/TotalAmt048
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IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt011545 SPENCER RD
IRS990/USAddress/CityNm0SAGINAW
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048609
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.STCHARLESDISTRICTLIBRARY.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0RICHARD FULMER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09898659451
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ST CHARLES DISTRICT LIBRARY
ReturnHeader/Filer/BusinessNameControlTxt0STCH
ReturnHeader/Filer/EIN0381843270
ReturnHeader/Filer/PhoneNum09898659451
ReturnHeader/Filer/USAddress/AddressLine1Txt0132 S SAGINAW STREET
ReturnHeader/Filer/USAddress/CityNm0ST CHARLES
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048655
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382397503
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BERTHIAUME & COMPANY CPAS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt060 HARROW LN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SAGINAW
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd048638
ReturnHeader/PreparerPersonGrp/PhoneNum09897911555
ReturnHeader/PreparerPersonGrp/PreparationDt02025-06-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KENNETH A BERTHIAUME
ReturnHeader/ReturnTs02025-06-12T14:52:26-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-04-01
ReturnHeader/TaxPeriodEndDt02025-03-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$6.62$0.09$6.53$3.54$2.90$0.64
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.98$0.09$5.89$4.64$2.27$2.37
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.63$0.11$3.52$2.50$2.60$0.09
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.72$0.11$3.61$2.46$2.19$0.27
2021Detailed filing. Detailed filing data is available for this year.$3.43$0.08$3.35$2.41$2.16$0.25
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.19$0.10$3.09$2.48$2.35$0.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.00$0.03$2.97$3.29$3.23$0.05
2018Detailed filing. Detailed filing data is available for this year.$3.02$0.11$2.91$3.17$4.76$1.59
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.52$0.01$4.51$3.32$2.05$1.27
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.36$0.12$3.24$2.14$1.98$0.16
2015Detailed filing. Detailed filing data is available for this year.$3.15$0.07$3.08$2.23$2.02$0.21
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.99$0.11$2.87$2.03$2.14$0.10
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.12$0.14$2.98$2.25$2.34$0.09
2012Summary only. Only limited summary data is available for this year.$3.10$0.03$3.07$2.14$2.23$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.24$0.07$3.17$2.04