Civic Intelligence

Calhoun County Guardian

990 • Fiscal year 2014 • EIN 38-2282034

Oct 01, 2013 to Sep 30, 2014 • Filed on Apr 28, 2015

Organization ProfileWWW.GUARDIAN-INC.ORG

View Organization Page

18 W Michigan AveRoom/Suite 300Battle Creek, MI 49017

(269) 963-3253

Siviq Scores

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

Liabilities / Assets

90th percentile

0.93x

Higher debt load relative to assets than 90% of similar nonprofits.

2014 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2014

Liabilities / Revenue

94th percentile

5.75x

Higher debt load relative to revenue than 94% of similar nonprofits.

2014 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2014

Net Margin

64th percentile

8.1%

Higher net margin than 64% of similar nonprofits.

2014 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2014

Top Officer Pay

33rd percentile

$84,564

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 5.8% of source-year revenue.

2014 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2014

Asset Growth

10th percentile

-8.9%

Faster asset growth than 10% of similar nonprofits.

2014 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Revenue Growth

80th percentile

24%

Faster revenue growth than 80% of similar nonprofits.

2014 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets90th percentile

Assets

Down

$9,024,330

Down $881,522 (-8.9%) from 2013

Net Assets

Up

$610,102

Up $118,985 (+24%) from 2013

Liabilities

Down

$8,414,228

Down $1,000,507 (-11%) from 2013

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin64th percentile

Revenue

Up

$1,463,719

Up $286,926 (+24%) from 2013

Expenses

Up

$1,345,538

Up $75,777 (+6.0%) from 2013

Net Income

Up

$118,181

Up $211,149 (+227%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth10th percentile

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

$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

2014

Assets$9,024,330
Liabilities$8,414,228
Net Assets$610,102
Open 2014 Filing

Operations Trend

Revenue Growth80th percentile

Revenue, expenses, and net income across loaded years, with this 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

2014

Revenue$1,463,719
Expenses$1,345,538
Net Income$118,181
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2013 to Sep 30, 2014
Signed
Apr 28, 2015
Return Version
2013v4.0
Gross Receipts
$1,463,719
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$322,825$389,632▲ $66,807
Accounts Receivable$123,751$129,851▲ $6,100
Pledges and Grants Receivable$56,785$103,555▲ $46,770
Land, Buildings, and Equipment, Net$45,321$41,458▼ $3,863
Prepaid Expenses and Deferred Charges$25,568$28,821▲ $3,253
Cash and Non-Interest-Bearing Accounts$201$202▲ $1
Total Assets$9,905,852$9,024,330▼ $881,522
Other Assets Total$9,331,401$8,330,811▼ $1,000,590
Liabilities
Other Liabilities$9,320,240$8,292,495▼ $1,027,745
Accounts Payable and Accrued Expenses$94,495$121,733▲ $27,238
Total Liabilities$9,414,735$8,414,228▼ $1,000,507
Net Assets / Fund Balance
Unrestricted Net Assets$422,269$420,996▼ $1,273
Temporarily Rstr Net Assets$68,848$189,106▲ $120,258
Total Net Assets Fund Balance$491,117$610,102▲ $118,985
Total Liabilities and Net Assets / Fund Balance$9,905,852$9,024,330▼ $881,522

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$21,324$243,401$264,725
Leasehold Improvements$20,134$14,916$35,050
Other Assets Org$4,351--
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dave KirbyExecutive DiFT$71,560$13,004$84,564
Robert CopelandCOO/CFOFT$66,553$10,710$77,263

Board Members and Trustees

NameTitle
Theresa ShavePresident
Cathy JewellBoard Member
Jeff GettingBoard Member
Keith TolgerBoard Member
Kim TaborBoard Member
Lisa WilcuttBoard Member
Susan MolenaarBoard Member
Terris ToddBoard Member
Kim HalladaySecretary
James BakerTreasurer
Renee KellyVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$364,227
Program Service Revenue
$1,097,352
Investment Income
$2,140
Other Revenue
$0
All Other Contributions
$364,227
Change in Net Assets
$118,181

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,463,719
Revenue Not Reported on Form 990
$804
Total Revenue per Audited Statements
$1,464,523
Total Revenue per Form 990
$1,463,719
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,008,228
Other Expenses$337,310
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$652,262$28,434-$680,696
Current Officers, Directors, Trustees, and Key Employees$57,735$104,092-$161,827
Other Employee Benefits$100,147$7,629-$107,776
Occupancy$66,389$6,401-$72,790
Fees for Services Other$55,618$6,415-$62,033
Payroll Taxes$49,152$8,777-$57,929
Travel$30,411$754-$31,165
Depreciation Depletion$18,983$1,830-$20,813
Office Expenses$18,300$1,764-$20,064
Fees for Services Accounting-$12,248-$12,248
Fees for Services Legal$8,458--$8,458
Insurance$3,175$3,919-$7,094
Other Expenses$5,891$568-$6,459
Advertising$5,453$590-$6,043
Conferences and Meetings$3,062$1,506-$4,568
All Other Expenses$2,660$1,511-$4,171
Fees for Service Investment Mgmnt Fees$429--$429
Total Functional Expenses$1,141,682$203,856$0$1,345,538

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,345,538
Total Expenses per Audited Statements$1,345,538
Total Expenses per Form 990$1,345,538
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
Funds Held for Clients$8,191,483
Refundable Advances$101,012
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 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, Page 6, Part VI, 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, Page 6, Part VI, 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, Page 6, Part VI, Line 15A

“The agency will follow the "rebuttable presumption procedure" in assessing executive compensation. 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, Page 6, Part VI, Line 19

“Available on guidestar and upon request at the corporate office.”

Filing and Contact Details

Filer

EIN
38-2282034
Phone
2699633253

Signing Officer

Name
Robert H Copeland Jr
Title
COO & CFO
Phone
2699633253
Signed
2015-04-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert H Copeland Jr
Formed
1966
Legal Domicile
Mi
Voting Board Members
11
Independent Board Members
11
Employees
36
Volunteers
3

Preparer

Preparer
Rhonda L Newman
Phone
2693817600
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in beneficial interest in assets held at commun fdn 804”

Financial Statement Notes

Schedule D, Page 4, Part XI, Line 2D

“Change in beneficial interest in assets held at commun fdn 804”

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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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IRS990/MissionDesc0WE 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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IRS990ScheduleD/OtherAssetsOrgGrp/Desc2GRANTS RECEIVABLE - NONCURRENT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3BENEFICIAL INTEREST - BC COMM. FDN.
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4SECURITY DEPOSITS
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0CHANGE IN BENEFICIAL INTEREST IN ASSETS HELD AT COMMUN FDN 804
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XI, LINE 2D
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE 990 IS REVIEWED BY THE FINANCE COMMITTEE, THEN THE EXECUTIVE COMMITTEE, AND LAST BY THE BOARD FOR FINAL REVIEW AND APPROVAL.

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$9,024,330
Liabilities
$8,414,228
Net assets
$610,102
Revenue
$1,463,719
Expenses
$1,345,538
Net income
$118,181
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