Civic Intelligence

Calhoun County Guardian

EIN 38-2282034 • 501(c)3 • Battle Creek, MI

View Organization Page

Profile

We benefit the community by providing financial stewardship and advocacy services to people in need. We promote the optimum independence and economic self-sufficiency of those we serve.

693 Capital Ave SW Unit 3Battle Creek, MI 49015

www.guardian-inc.org

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.95x

Higher debt load relative to assets than 92% of similar nonprofits.

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

Liabilities / Revenue

95th percentile

6.55x

Higher debt load relative to revenue than 95% of similar nonprofits.

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

Net Margin

23rd percentile

-5.9%

Higher net margin than 23% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

23rd percentile

-2.4%

Faster asset growth than 23% of similar nonprofits.

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

Revenue Growth

25th percentile

-4.8%

Faster revenue growth than 25% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$12,915,339

Down $319,826 (-2.4%) from 2023

Liabilities

Down

$12,270,838

Down $264,024 (-2.1%) from 2023

Net Assets

Down

$644,501

Down $55,802 (-8.0%) from 2023

Operations
Liabilities / Revenue95th percentileNet Margin23rd percentile

Revenue

Down

$1,873,172

Down $95,314 (-4.8%) from 2023

Expenses

Up

$1,982,860

Up $7,640 (+0.4%) from 2023

Net Income

Down

-$109,688

Down $102,954 (-1529%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth23rd percentile

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

$15M$10M$5.0M$0Assets 2010: $12,188,835Liabilities 2010: $11,658,056Net Assets 2010: $530,7792010Assets 2011: $9,868,280Liabilities 2011: $9,299,248Net Assets 2011: $569,0322011Assets 2012: $9,522,037Liabilities 2012: $8,938,808Net Assets 2012: $583,2292012Assets 2013: $9,905,852Liabilities 2013: $9,414,735Net Assets 2013: $491,1172013Assets 2014: $9,024,330Liabilities 2014: $8,414,228Net Assets 2014: $610,1022014Assets 2015: $8,823,825Liabilities 2015: $8,315,282Net Assets 2015: $508,5432015Assets 2016: $9,366,969Liabilities 2016: $8,974,553Net Assets 2016: $392,4162016Assets 2017: $9,794,623Liabilities 2017: $9,147,953Net Assets 2017: $646,6702017Assets 2018: $10,258,547Liabilities 2018: $9,565,437Net Assets 2018: $693,1102018Assets 2019: $11,617,755Liabilities 2019: $10,922,517Net Assets 2019: $695,2382019Assets 2020: $10,913,583Liabilities 2020: $10,211,826Net Assets 2020: $701,7572020Assets 2021: $10,816,609Liabilities 2021: $9,972,655Net Assets 2021: $843,9542021Assets 2022: $11,877,488Liabilities 2022: $11,195,974Net Assets 2022: $681,5142022Assets 2023: $13,235,165Liabilities 2023: $12,534,862Net Assets 2023: $700,3032023Assets 2024: $12,915,339Liabilities 2024: $12,270,838Net Assets 2024: $644,5012024

Highlighted filing

2024

Assets$12,915,339
Liabilities$12,270,838
Net Assets$644,501
Open 2024 Filing

Operations Trend

Revenue Growth25th percentile

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

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,030,6072010Expenses 2011: $1,097,2612011Revenue 2012: $1,197,608Expenses 2012: $1,184,473Net Income 2012: $13,1352012Revenue 2013: $1,176,793Expenses 2013: $1,269,761Net Income 2013: -$92,9682013Revenue 2014: $1,463,719Expenses 2014: $1,345,538Net Income 2014: $118,1812014Revenue 2015: $1,377,640Expenses 2015: $1,473,203Net Income 2015: -$95,5632015Revenue 2016: $1,311,953Expenses 2016: $1,437,218Net Income 2016: -$125,2652016Revenue 2017: $1,678,389Expenses 2017: $1,429,587Net Income 2017: $248,8022017Revenue 2018: $1,574,091Expenses 2018: $1,530,032Net Income 2018: $44,0592018Revenue 2019: $1,578,064Expenses 2019: $1,575,936Net Income 2019: $2,1282019Revenue 2020: $1,740,995Expenses 2020: $1,734,476Net Income 2020: $6,5192020Revenue 2021: $1,984,631Expenses 2021: $1,842,434Net Income 2021: $142,1972021Revenue 2022: $1,810,904Expenses 2022: $1,919,244Net Income 2022: -$108,3402022Revenue 2023: $1,968,486Expenses 2023: $1,975,220Net Income 2023: -$6,7342023Revenue 2024: $1,873,172Expenses 2024: $1,982,860Net Income 2024: -$109,6882024

Highlighted filing

2024

Revenue$1,873,172
Expenses$1,982,860
Net Income-$109,688
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$12,915,339
Liabilities
$12,270,838
Net assets
$644,501
Revenue
$1,873,172
Expenses
$1,982,860
Net income
-$109,688
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.9$12.3$0.64$1.87$1.98$0.11
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.2$12.5$0.70$1.97$1.98$0.01
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.9$11.2$0.68$1.81$1.92$0.11
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.8$9.97$0.84$1.98$1.84$0.14
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.9$10.2$0.70$1.74$1.73$0.01
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.6$10.9$0.70$1.58$1.58$0.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.3$9.57$0.69$1.57$1.53$0.04
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.79$9.15$0.65$1.68$1.43$0.25
2016Detailed filing. Detailed filing data is available for this year.$9.37$8.97$0.39$1.31$1.44$0.13
2015Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$8.82$8.32$0.51$1.38$1.47$0.10
2014Detailed filing. Detailed filing data is available for this year.$9.02$8.41$0.61$1.46$1.35$0.12
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.91$9.41$0.49$1.18$1.27$0.09
2012Summary only. Only limited summary data is available for this year.$9.52$8.94$0.58$1.20$1.18$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.87$9.30$0.57$1.10
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.2$11.7$0.53$1.03
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
$1,873,172
Mission and Program Overview

Mission

We benefit the community by providing financial stewardship and advocacy services to people in need. We promote the optimum independence and economic self-sufficiency of those we serve.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$451,163$358,057▼ $93,106
Investments in Publicly Traded Securities$209,007$262,741▲ $53,734
Accounts Receivable$92,580$81,200▼ $11,380
Land, Buildings, and Equipment, Net$49,376$23,455▼ $25,921
Prepaid Expenses and Deferred Charges$31,160$22,557▼ $8,603
Cash and Non-Interest-Bearing Accounts$198$177▼ $21
Total Assets$13,235,165$12,915,339▼ $319,826
Other Assets Total$12,401,681$12,167,152▼ $234,529
Liabilities
Escrow Account Liability$12,021,158$11,699,879▼ $321,279
Other Liabilities$367,007$450,484▲ $83,477
Accounts Payable and Accrued Expenses$127,972$116,455▼ $11,517
Deferred Revenue$18,725$4,020▼ $14,705
Total Liabilities$12,534,862$12,270,838▼ $264,024
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$685,994$624,255▼ $61,739
Net Assets With Donor Restrictions$14,309$20,246▲ $5,937
Total Net Assets Fund Balance$700,303$644,501▼ $55,802
Total Liabilities and Net Assets / Fund Balance$13,235,165$12,915,339▼ $319,826

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$15,811$129,353$145,164
Leasehold Improvements$7,644$13,606$21,250
Other Assets Org$449,575--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Robert CopelandFormer CEOFT$84,751$84,751
Jennifer WarnosCEOFT$41,432$41,432

Board Members and Trustees

NameTitle
Mark CassinoPresident
Lisa WillcuttPresident Emeritus
Anita JohnsonBoard Member
Kent RehmannBoard Member
Marilyn RobinsonBoard Member
Raymond SawyerBoard Member
Sarah RussellBoard Member
Scott BaxterBoard Member
Susan MccloskeyBoard Member
Tony McgheeBoard Member
David LucasSecretary
Gene DillenbeckTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Zetaone Solutions Group LLCOutsourced Managed It Support ServicesPO BOX 166, Coldwater, MI 49016$129,469
Revenue and Support

Revenue Composition

Contributions and Grants
$78,140
Program Service Revenue
$1,774,172
Investment Income
$20,860
Other Revenue
$0
All Other Contributions
$78,140
Change in Net Assets
$-109,688

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,870,142
Revenue Not Reported on Financial Statements
$3,030
Revenue Not Reported on Form 990
$53,886
Total Revenue per Audited Statements
$1,924,028
Total Revenue per Form 990
$1,873,172
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,409,257
Other Expenses$573,603
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$981,991$83,484-$1,065,475
Information Technology$146,498$24,838-$171,336
Other Employee Benefits$140,979$19,069-$160,048
Occupancy$118,705$14,665-$133,370
Current Officers, Directors, Trustees, and Key Employees$25,309$75,927-$101,236
Payroll Taxes$71,226$11,272-$82,498
Office Expenses$58,955$7,284-$66,239
Conferences and Meetings$46,088$2,381-$48,469
Insurance$33,423$4,129-$37,552
Fees for Services Accounting-$29,570-$29,570
Depreciation Depletion$25,732$3,179-$28,911
Fees for Services Other$4,246$14,032-$18,278
Fees for Services Legal$8,375--$8,375
Other Expenses$5,656$4,113-$5,656
Fees for Service Investment Mgmnt Fees-$3,030-$3,030
Advertising-$1,140-$1,140
Total Functional Expenses$1,683,062$299,798$0$1,982,860

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,982,860
Expenses per Audited Statements$1,979,830
Total Expenses per Audited Statements$1,979,830
Expenses Not Reported on Financial Statements$3,030
Expenses Not Reported on Form 990$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Operating Lease Liability$450,484
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
No
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, Part VI, Section B, Line 11B

“The 990 is reviewed by the finance committee, then the executive committee, and last by the board for final review and approval.”

Form 990, Part VI, Section B, Line 12C

“Board members are required to disclose any known conflicts to the board which will be noted in the minutes for that meeting. The member will leave the meeting during any discussions of the conflicting matter and shall not vote. The board member shall be obligated to disclose to the other members any reason known to that member why the contract or other transaction is not in the best interests of the agency.”

Form 990, Part VI, Section B, Line 15A

“The agency will follow the "rebuttable presumption procedure" in assessing executive compensation using the michigan nonprofit association compensation survey as its benchmark. The executive committee of the board is responsible for following the procedure, and will ensure that there is adequate documentation in the personnel files to prove that the procedure has been followed.”

Form 990, Part VI, Section C, Line 19

“Available upon request at the corporate office.”

Filing and Contact Details

Filer

Filer Name
Calhoun County Guardian Dba Guardian Fin
EIN
38-2282034
Phone
2699633253
Address
693 CAPITAL AVE SW UNIT 3, BATTLE CREEK, MI 49015
Doing Business As
Guardian Finance and Advocacy Services

Signing Officer

Name
Jennifer Warnos
Title
CEO
Phone
2699633253
Signed
2025-07-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Warnos
Formed
1966
Legal Domicile
Mi
Voting Board Members
10
Independent Board Members
10
Employees
48
Volunteers
0

Preparer

Firm
Uhy Advisors Great Lakes Inc
Address
7171 STADIUM DRIVE, KALAMAZOO, MI 49009
Preparer
Rhonda L Newman
Phone
2693817600
Supplemental Narrative

Additional Explanations

Form 990, Part I, Item C

“Dba: guardian finance and advocacy services dba: guardian, inc. Dba: guardian incorporated dba: guardian, inc. Of calhoun county”

Financial Statement Notes

PART IV, LINE 2B:

“The organization acts as fiduciary for client cash held in financial institutions and investments held in the name of clients at investment companies.”

Raw XML AppendixShowing 400 of 521 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0127972
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0116455
IRS990/AccountsReceivableGrp/BOYAmt092580
IRS990/AccountsReceivableGrp/EOYAmt081200
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0WE BENEFIT THE COMMUNITY BY PROVIDING FINANCIAL STEWARDSHIP AND ADVOCACY SERVICES TO PEOPLE IN NEED. WE PROMOTE THE OPTIMUM INDEPENDENCE AND ECONOMIC SELF-SUFFICIENCY OF THOSE WE SERVE.
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IRS990/BooksInCareOfDetail/PhoneNum02699633253
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0693 CAPITAL AVE SW 3
IRS990/BooksInCareOfDetail/USAddress/CityNm0BATTLE CREEK
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049015
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt0198
IRS990/CashNonInterestBearingGrp/EOYAmt0177
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt075927
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt025309
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0101236
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt02381
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt046088
IRS990/ConferencesMeetingsGrp/TotalAmt048469
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0129469
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0COLDWATER
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
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IRS990/ContractorCompensationGrp/ServicesDesc0OUTSOURCED MANAGED IT SUPPORT SERVICES
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt078140
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt020860
IRS990/CYOtherExpensesAmt0573603
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01774172
IRS990/CYRevenuesLessExpensesAmt0-109688
IRS990/CYSalariesCompEmpBnftPaidAmt01409257
IRS990/CYTotalExpensesAmt01982860
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01873172
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt018725
IRS990/DeferredRevenueGrp/EOYAmt04020
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt03179
IRS990/DepreciationDepletionGrp/ProgramServicesAmt025732
IRS990/DepreciationDepletionGrp/TotalAmt028911
IRS990/Desc0GUARDIAN FINANCE AND ADVOCACY SERVICES IS A NON-PROFIT THAT SERVES CLIENTS IN SOUTHWEST MICHIGAN. OUR PRIMARY COUNTIES OF SERVICE ARE KALAMAZOO AND CALHOUN, ALTHOUGH OUR SERVICES EXTEND TO CLIENTS WITHIN A 75-MILE RADIUS OF OUR TWO OFFICES. IN OUR FISCAL YEAR OF OCTOBER 2023 THROUGH SEPTEMBER 2024, WE SERVED 1,339 CLIENTS BETWEEN OUR TWO OFFICES. OUR THREE MOST SIGNIFICANT PROGRAMS ARE GUARDIANSHIP, CONSERVATORSHIP, AND REPRESENTATIVE PAYEE. ALL PROGRAMS SEEK TO SAFEGUARD INDIVIDUALS, ALLOWING THEM TO REACH THEIR FULL POTENTIAL AND MAXIMIZE THEIR INDEPENDENCE.LEGAL GUARDIANSHIP OCCURS WHEN AN INDIVIDUAL IS FOUND INCOMPETENT THROUGH A COURT OF LAW. IN MANY INSTANCES, THIS IS THE RESULT OF DEVELOPMENTAL DISABILITY, MENTAL ILLNESS, OR AGE-RELATED ILLNESS SUCH AS DEMENTIA. OUR ORGANIZATION SAFEGUARDED 451 INDIVIDUALS DURING THE PAST YEAR BY MAKING MEDICAL, PLACEMENT, AND LEGAL DECISIONS.CONSERVATORSHIP, DESCRIBED AS GUARDIANSHIP OF THE ESTATE, IS AN AUTHORITY FOR COURT GRANTS. OUR ORGANIZATION WORKED WITH 94 INDIVIDUALS IN THIS CAPACITY OVER THE PAST YEAR. GUARDIAN FINANCE AND ADVOCACY SERVICES WAS ABLE TO SAFEGUARD THEIR ASSETS, THUS MEETING THEIR NEEDS.OUR THIRD PROGRAM IS REPRESENTATIVE PAYEE, AN AUTHORITY GRANTED BY THE SOCIAL SECURITY ADMINISTRATION. WHEN AN INDIVIDUAL CANNOT MANAGE THEIR INCOME TO MEET THEIR BASIC NEEDS, SOCIAL SECURITY WILL APPOINT A REPRESENTATIVE PAYEE TO ASSIST IN BUDGETING. IN THIS ROLE, OUR AGENCY WORKS WITH THE CONSUMER TO CREATE A BUDGET AND THEN PAYS THE INDIVIDUAL'S MONTHLY PRIORITY NEEDS (I.E., RENT AND UTILITIES).
IRS990/DescribedInSection501c3Ind01
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IRS990/FamilyOrBusinessRlnInd00
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IRS990/FeesForServicesAccountingGrp/TotalAmt029570
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IRS990/FeesForServicesLegalGrp/TotalAmt08375
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
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