Civic Intelligence

Saginaw Westchester Village Inc

EIN 38-1915492 • 501(c)4 • Saginaw, MI

Profile

Subsidized low income housing

3200 Dale Rd Apt 102Saginaw, MI 48603-3282

not applicable

Siviq Scores

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

Liabilities / Assets

16th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)4 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

17th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)4 • $10M-$25M nonprofits • Source year 2024

Net Margin

89th percentile

69%

Higher net margin than 89% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

36th percentile

$0

Higher top officer pay than 36% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)4 • $10M-$25M nonprofits • Source year 2024

Asset Growth

48th percentile

4.3%

Faster asset growth than 48% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

40th percentile

4.4%

Faster revenue growth than 40% of similar nonprofits.

501(c)4 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Assets

Up

$10,257,096

Up $423,976 (+4.3%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Up

$10,257,096

Up $423,976 (+4.3%) from 2023

Revenue

Up

$472,204

Up $20,107 (+4.4%) from 2023

Expenses

Up

$145,124

Up $118,240 (+440%) from 2023

Net Income

Down

$327,080

Down $98,133 (-23%) from 2023

Trend Graphs

Balance Sheet Trend

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

$15M$10M$5.0M$0-$5.0MAssets 2010: $3,779,953Liabilities 2010: $6,003,761Net Assets 2010: -$2,223,8082010Assets 2011: $3,794,555Liabilities 2011: $5,902,272Net Assets 2011: -$2,107,7172011Assets 2012: $3,718,188Liabilities 2012: $5,858,490Net Assets 2012: -$2,140,3022012Assets 2013: $3,610,524Liabilities 2013: $5,831,492Net Assets 2013: -$2,220,9682013Assets 2014: $3,468,249Liabilities 2014: $5,651,508Net Assets 2014: -$2,183,2592014Assets 2015: $3,630,375Liabilities 2015: $5,626,945Net Assets 2015: -$1,996,5702015Assets 2016: $3,903,613Liabilities 2016: $5,657,663Net Assets 2016: -$1,754,0502016Assets 2017: $3,910,994Liabilities 2017: $5,436,544Net Assets 2017: -$1,525,5502017Assets 2018: $6,763,476Liabilities 2018: $2,016,996Net Assets 2018: $4,746,4802018Assets 2019: $6,915,374Liabilities 2019: $1,987,565Net Assets 2019: $4,927,8092019Assets 2020: $7,013,745Liabilities 2020: $1,950,539Net Assets 2020: $5,063,2062020Assets 2021: $7,218,210Liabilities 2021: $1,929,872Net Assets 2021: $5,288,3382021Assets 2022: $9,545,551Liabilities 2022: $4,314Net Assets 2022: $9,541,2372022Assets 2023: $9,833,120Liabilities 2023: $0Net Assets 2023: $9,833,1202023Assets 2024: $10,257,096Liabilities 2024: $0Net Assets 2024: $10,257,0962024

Highlighted filing

2024

Assets$10,257,096
Liabilities$0
Net Assets$10,257,096

Operations Trend

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $2,220,4892010Expenses 2011: $2,105,3182011Expenses 2012: $2,161,7752012Revenue 2013: $2,183,597Expenses 2013: $2,264,263Net Income 2013: -$80,6662013Revenue 2014: $2,151,244Expenses 2014: $2,113,535Net Income 2014: $37,7092014Revenue 2015: $2,325,708Expenses 2015: $2,139,019Net Income 2015: $186,6892015Revenue 2016: $2,304,352Expenses 2016: $2,061,832Net Income 2016: $242,5202016Revenue 2017: $2,349,571Expenses 2017: $2,121,071Net Income 2017: $228,5002017Revenue 2018: $7,195,088Expenses 2018: $923,058Net Income 2018: $6,272,0302018Revenue 2019: $1,046,812Expenses 2019: $865,483Net Income 2019: $181,3292019Revenue 2020: $978,038Expenses 2020: $842,641Net Income 2020: $135,3972020Revenue 2021: $1,028,496Expenses 2021: $803,364Net Income 2021: $225,1322021Revenue 2022: $4,734,822Expenses 2022: $481,923Net Income 2022: $4,252,8992022Revenue 2023: $452,097Expenses 2023: $26,884Net Income 2023: $425,2132023Revenue 2024: $472,204Expenses 2024: $145,124Net Income 2024: $327,0802024

Highlighted filing

2024

Revenue$472,204
Expenses$145,124
Net Income$327,080

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$10.3$0.00$10.3$0.47$0.15$0.33
2023Detailed filing. Detailed filing data is available for this year.$9.83$0.00$9.83$0.45$0.03$0.43
2022Detailed filing. Detailed filing data is available for this year.$9.55$0.00$9.54$4.73$0.48$4.25
2021Detailed filing. Detailed filing data is available for this year.$7.22$1.93$5.29$1.03$0.80$0.23
2020Detailed filing. Detailed filing data is available for this year.$7.01$1.95$5.06$0.98$0.84$0.14
2019Summary only. Only limited summary data is available for this year.$6.92$1.99$4.93$1.05$0.87$0.18
2018Summary only. Only limited summary data is available for this year.$6.76$2.02$4.75$7.20$0.92$6.27
2017Summary only. Only limited summary data is available for this year.$3.91$5.44$1.53$2.35$2.12$0.23
2016Summary only. Only limited summary data is available for this year.$3.90$5.66$1.75$2.30$2.06$0.24
2015Summary only. Only limited summary data is available for this year.$3.63$5.63$2.00$2.33$2.14$0.19
2014Summary only. Only limited summary data is available for this year.$3.47$5.65$2.18$2.15$2.11$0.04
2013Detailed filing. Detailed filing data is available for this year.$3.61$5.83$2.22$2.18$2.26$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.72$5.86$2.14$2.16
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.79$5.90$2.11$2.11
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.78$6.00$2.22$2.22
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 8, 2025
Return Version
2024v5.1
Gross Receipts
$884,331
Mission and Program Overview

Mission

Subsidized low income housing

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,472,594$8,802,101▲ $329,507
Investments in Publicly Traded Securities$1,184,448$1,426,269▲ $241,821
Savings and Temporary Cash Investments$176,078$28,726▼ $147,352
Cash and Non-Interest-Bearing Accounts$0$0→ $0
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Land, Buildings, and Equipment, Net$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$9,833,120$10,257,096▲ $423,976
Other Assets Total$0$0→ $0
Liabilities
Accounts Payable and Accrued Expenses$0$0→ $0
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Other Liabilities$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$9,833,120$10,257,096▲ $423,976
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$9,833,120$10,257,096▲ $423,976
Total Liabilities and Net Assets / Fund Balance$9,833,120$10,257,096▲ $423,976
Compensation and Service Providers

Board Members and Trustees

NameTitle
John DunnPresident
Todd ArnerVice President
Dean EmersonDirector
Geri DoxieDirector
Melissa CabineDirector
Roger LittleDirector
Jerry DeslooverSecretary Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$410,406
Investment Income
$61,796
Other Revenue
$2
All Other Contributions
$0
Change in Net Assets
$327,080
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$145,124
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$0$16,429$0$16,429
Fees for Services Accounting$0$1,680$0$1,680
Other Expenses$0$15$0$15
Total Functional Expenses$0$145,124$0$145,124
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
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

Part VI, Section B, Line 11B

Key officers approve review the form 990.

Part VI, Section C, Line 19

All documents are available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Saginaw Westchester Village Inc
EIN
38-1915492
Address
3200 DALE RD APT 102, SAGINAW, MI 48603-3282

Signing Officer

Name
Jerry Desloover
Title
Secretary Treasurer
Phone
9897981794
Signed
2025-10-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Melissa Cabine
Formed
1967
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
0

Preparer

Preparer
Jeffrey Muhn
Raw XML AppendixShowing 400 of 573 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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IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt010257096
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IRS990/OperateHospitalInd0false
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IRS990/OtherExpensesGrp/TotalAmt12000
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt08802101
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IRS990/PYOtherRevenueAmt048303
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IRS990/PYTotalProfFndrsngExpnsAmt00
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IRS990/RevenueAmt0410406
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IRS990/ScheduleBRequiredInd0false
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0KEY OFFICERS APPROVE REVIEW THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI, Section C, Line 19
IRS990ScheduleR/AssetExchangeInd0false
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IRS990ScheduleR/AssetSaleToOtherOrgInd0false
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IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd0false
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IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/DirectControllingNACd2N/A
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EIN0820613747
IRS990ScheduleR/IdRelatedOrgTxblCorpTrGrp/EIN1820593378

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