Civic Intelligence

Calhoun County Guardian

990 • Fiscal year 2016 • EIN 38-2282034

Oct 01, 2015 to Sep 30, 2016 • Filed on Feb 01, 2017

Organization ProfileWWW.GUARDIAN-INC.ORG

View Organization Page

18 W Michigan Ave 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

0.96x

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

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

95th percentile

6.84x

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

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Net Margin

21st percentile

-9.5%

Higher net margin than 21% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

31st percentile

$79,272

Higher top officer pay than 31% of similar nonprofits.

Top officer pay equals 6.0% of source-year revenue.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2016

Asset Growth

66th percentile

6.2%

Faster asset growth than 66% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

30th percentile

-4.8%

Faster revenue growth than 30% of similar nonprofits.

2016 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$9,366,969

Up $543,144 (+6.2%) from 2015

Net Assets

Down

$392,416

Down $116,127 (-23%) from 2015

Liabilities

Up

$8,974,553

Up $659,271 (+7.9%) from 2015

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin21st percentile

Revenue

Down

$1,311,953

Down $65,687 (-4.8%) from 2015

Expenses

Down

$1,437,218

Down $35,985 (-2.4%) from 2015

Net Income

Down

-$125,265

Down $29,702 (-31%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth66th 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

2016

Assets$9,366,969
Liabilities$8,974,553
Net Assets$392,416
Open 2016 Filing

Operations Trend

Revenue Growth30th 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

2016

Revenue$1,311,953
Expenses$1,437,218
Net Income-$125,265
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2015 to Sep 30, 2016
Signed
Feb 1, 2017
Return Version
2015v3.0
Gross Receipts
$1,418,860
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$318,125$281,015▼ $37,110
Accounts Receivable$134,411$94,409▼ $40,002
Prepaid Expenses and Deferred Charges$28,755$30,165▲ $1,410
Land, Buildings, and Equipment, Net$46,140$29,652▼ $16,488
Pledges and Grants Receivable$48,860$18,222▼ $30,638
Cash and Non-Interest-Bearing Accounts$299$299→ $0
Total Assets$8,823,825$9,366,969▲ $543,144
Other Assets Total$8,247,235$8,913,207▲ $665,972
Liabilities
Escrow Account Liability$8,149,553$8,875,736▲ $726,183
Accounts Payable and Accrued Expenses$81,162$75,242▼ $5,920
Other Liabilities$84,567$23,575▼ $60,992
Total Liabilities$8,315,282$8,974,553▲ $659,271
Net Assets / Fund Balance
Unrestricted Net Assets$448,139$381,358▼ $66,781
Temporarily Rstr Net Assets$60,404$11,058▼ $49,346
Total Net Assets Fund Balance$508,543$392,416▼ $116,127
Total Liabilities and Net Assets / Fund Balance$8,823,825$9,366,969▲ $543,144

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$21,277$68,593$89,870
Leasehold Improvements$8,375$22,410$30,785
Other Assets Org$4,351--
Compensation and Service Providers
Top Officer Pay31st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert CopelandEd/CEO/COO-cFT$67,247$12,025$79,272
Dave KirbyEd/CEO-retirFT$69,081$8,213$77,294

Board Members and Trustees

NameTitle
Theresa ShavePresident
Broek LewisBoard Member
Gene DillenbeckBoard Member
Lauren SmithBoard Member
Laurie BrownBoard Member
Lisa WillcuttBoard Member
Mark CassinoBoard Member
Kim TaborSecretary
James BakerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$94,857
Program Service Revenue
$1,215,418
Investment Income
$1,678
Other Revenue
$0
All Other Contributions
$94,857
Change in Net Assets
$-125,265

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,311,017
Revenue Not Reported on Financial Statements
$936
Revenue Not Reported on Form 990
$9,138
Total Revenue per Audited Statements
$1,320,155
Total Revenue per Form 990
$1,311,953
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,075,253
Other Expenses$361,965
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$703,899$33,330-$737,229
Current Officers, Directors, Trustees, and Key Employees$46,771$109,795-$156,566
Other Employee Benefits$113,299$5,526-$118,825
Fees for Services Other$73,214$23,707-$96,921
Occupancy$69,806$5,732-$75,538
Payroll Taxes$53,562$9,071-$62,633
Travel$33,694$710-$34,404
Depreciation Depletion$20,311$1,668-$21,979
Office Expenses$16,245$1,334-$17,579
Fees for Services Accounting-$12,000-$12,000
Insurance$4,203$5,323-$9,526
Conferences and Meetings$8,418--$8,418
All Other Expenses$4,712$3,666-$8,378
Other Expenses$7,675$630-$8,305
Advertising-$2,012-$2,012
Fees for Services Legal$1,720--$1,720
Fees for Service Investment Mgmnt Fees-$936-$936
Total Functional Expenses$1,216,902$220,316$0$1,437,218

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,437,218
Expenses per Audited Statements$1,436,282
Total Expenses per Audited Statements$1,436,282
Expenses Not Reported on Financial Statements$936
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
Refundable Advances$23,575
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

Filer Name
Calhoun County Guardian
EIN
38-2282034
Phone
2699633253
Address
18 W MICHIGAN AVE SUITE 300, BATTLE CREEK, MI 49017
Doing Business As
Guardian Finance & Advocacy Service

Signing Officer

Name
Robert Copeland
Title
Ed/CEO/COO-CFO
Phone
2699633253
Signed
2017-02-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Copeland
Formed
1966
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
9
Employees
37
Volunteers
6

Preparer

Firm
Jansen Valk Thompson & Reahm Pc
Address
7171 STADIUM DR, KALAMAZOO, MI 49009-4943
Preparer
Rhonda L Newman
Phone
2693817600
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 2, 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.”

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IRS990/OtherExpensesGrp/Desc1POSTAGE
IRS990/OtherExpensesGrp/Desc2SMALL FURN/EQUIP PURCHASE
IRS990/OtherExpensesGrp/Desc3REPAIRS & MAINTENANCE
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IRS990/PrincipalOfficerNm0ROBERT COPELAND
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IRS990/ReconcilationRevenueExpnssAmt0-125265
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
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IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt01097352
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt01042965
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IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt030785
IRS990ScheduleD/NetUnrealizedGainsInvstAmt09138
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IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt123575
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt29545
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0FUNDS HELD FOR CLIENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ASSETS HELD FOR BC & KZOO CDCU
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2BENEFICIAL INTEREST - BC COMM. FDN.
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3SECURITY DEPOSITS
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REFUNDABLE ADVANCES
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION ACTS AS FIDUCIARY FOR CLIENT CASH HELD IN FINANCIAL INSTITUTIONS AND INVESTMENTS HELD IN THE NAME OF CLIENTS AT INVESTMENT COMPANIES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
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IRS990ScheduleD/TotalBookValueOtherAssetsAmt08913207
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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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3AVAILABLE ON GUIDESTAR AND UPON REQUEST AT THE CORPORATE OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$9,366,969
Liabilities
$8,974,553
Net assets
$392,416
Revenue
$1,311,953
Expenses
$1,437,218
Net income
-$125,265
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