Civic Intelligence

Calhoun County Guardian

990 • Fiscal year 2017 • EIN 38-2282034

Oct 01, 2016 to Sep 30, 2017 • Filed on Jan 31, 2018

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

0.93x

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

2017 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

94th percentile

5.45x

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

2017 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2017

Net Margin

73rd percentile

15%

Higher net margin than 73% of similar nonprofits.

2017 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

31st percentile

$80,618

Higher top officer pay than 31% of similar nonprofits.

Top officer pay equals 4.8% of source-year revenue.

2017 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2017

Asset Growth

52nd percentile

4.6%

Faster asset growth than 52% of similar nonprofits.

2017 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

80th percentile

28%

Faster revenue growth than 80% of similar nonprofits.

2017 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$9,794,623

Up $427,654 (+4.6%) from 2016

Net Assets

Up

$646,670

Up $254,254 (+65%) from 2016

Liabilities

Up

$9,147,953

Up $173,400 (+1.9%) from 2016

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin73rd percentile

Revenue

Up

$1,678,389

Up $366,436 (+28%) from 2016

Expenses

Down

$1,429,587

Down $7,631 (-0.5%) from 2016

Net Income

Up

$248,802

Up $374,067 (+299%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth52nd 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

2017

Assets$9,794,623
Liabilities$9,147,953
Net Assets$646,670
Open 2017 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

2017

Revenue$1,678,389
Expenses$1,429,587
Net Income$248,802
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2016 to Sep 30, 2017
Signed
Jan 31, 2018
Return Version
2016v3.1
Gross Receipts
$1,702,171
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$281,015$605,050▲ $324,035
Accounts Receivable$94,409$83,496▼ $10,913
Prepaid Expenses and Deferred Charges$30,165$33,283▲ $3,118
Land, Buildings, and Equipment, Net$29,652$20,631▼ $9,021
Pledges and Grants Receivable$18,222$10,954▼ $7,268
Cash and Non-Interest-Bearing Accounts$299$301▲ $2
Total Assets$9,366,969$9,794,623▲ $427,654
Other Assets Total$8,913,207$9,040,908▲ $127,701
Liabilities
Escrow Account Liability$8,875,736$8,995,394▲ $119,658
Accounts Payable and Accrued Expenses$75,242$124,559▲ $49,317
Other Liabilities$23,575$28,000▲ $4,425
Total Liabilities$8,974,553$9,147,953▲ $173,400
Net Assets / Fund Balance
Unrestricted Net Assets$381,358$586,201▲ $204,843
Temporarily Rstr Net Assets$11,058$60,469▲ $49,411
Total Net Assets Fund Balance$392,416$646,670▲ $254,254
Total Liabilities and Net Assets / Fund Balance$9,366,969$9,794,623▲ $427,654

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$17,710$79,461$97,171
Leasehold Improvements$2,921$27,864$30,785
Other Assets Org$6,979--
Compensation and Service Providers
Top Officer Pay31st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert CopelandEd/CEOFT$68,033$12,585$80,618

Board Members and Trustees

NameTitle
Lisa WillcuttPresident
Broek LewisBoard Member
James BakerBoard Member
Lauren MulvaineBoard Member
Laurie BrownBoard Member
Marilyn RobinsonBoard Member
Scott BaxterBoard Member
Kim TaborSecretary
Gene DillenbeckTreasurer
Mark CassinoVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$369,131
Program Service Revenue
$1,301,946
Investment Income
$7,312
Other Revenue
$0
All Other Contributions
$369,131
Change in Net Assets
$248,802

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,676,532
Revenue Not Reported on Financial Statements
$1,857
Revenue Not Reported on Form 990
$5,451
Total Revenue per Audited Statements
$1,681,983
Total Revenue per Form 990
$1,678,389
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,024,523
Other Expenses$405,064
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$740,049$25,915-$765,964
Other Employee Benefits$114,553$3,774-$118,327
Occupancy$79,777$4,230-$84,007
Current Officers, Directors, Trustees, and Key Employees$20,154$60,464-$80,618
Fees for Services Other$53,531$8,959-$62,490
Payroll Taxes$54,111$5,503-$59,614
Fees for Services Accounting-$48,356-$48,356
Travel$35,497$623-$36,120
Depreciation Depletion$19,117$1,014-$20,131
Office Expenses$16,616$881-$17,497
Insurance$6,419$10,436-$16,855
Other Expenses$224$10,317-$10,541
All Other Expenses$8,108$1,818-$9,926
Conferences and Meetings$8,886--$8,886
Fees for Services Legal$2,958--$2,958
Fees for Service Investment Mgmnt Fees-$1,857-$1,857
Advertising-$400-$400
Total Functional Expenses$1,240,757$188,830$0$1,429,587

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,429,587
Expenses per Audited Statements$1,427,730
Total Expenses per Audited Statements$1,427,730
Expenses Not Reported on Financial Statements$1,857
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$28,000
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
Phone
2699633253
Signed
2018-01-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Copeland
Formed
1966
Legal Domicile
Mi
Voting Board Members
10
Independent Board Members
10
Employees
33
Volunteers
8

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.”

Raw XML AppendixShowing 400 of 489 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt075242
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0124559
IRS990/AccountsReceivableGrp/BOYAmt094409
IRS990/AccountsReceivableGrp/EOYAmt083496
IRS990/ActivitiesConductedPrtshpInd0false
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.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt0400
IRS990/AdvertisingGrp/TotalAmt0400
IRS990/AllOtherContributionsAmt0369131
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt01818
IRS990/AllOtherExpensesGrp/ProgramServicesAmt08108
IRS990/AllOtherExpensesGrp/TotalAmt09926
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0ROBERT COPELAND JR
IRS990/BooksInCareOfDetail/PhoneNum02699633253
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt018 W MICHIGAN AVE STE 300
IRS990/BooksInCareOfDetail/USAddress/CityNm0BATTLE CREEK
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049017
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0299
IRS990/CashNonInterestBearingGrp/EOYAmt0301
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt060464
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt020154
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt080618
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt08886
IRS990/ConferencesMeetingsGrp/TotalAmt08886
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0369131
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt07312
IRS990/CYOtherExpensesAmt0405064
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01301946
IRS990/CYRevenuesLessExpensesAmt0248802
IRS990/CYSalariesCompEmpBnftPaidAmt01024523
IRS990/CYTotalExpensesAmt01429587
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01678389
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt01014
IRS990/DepreciationDepletionGrp/ProgramServicesAmt019117
IRS990/DepreciationDepletionGrp/TotalAmt020131
IRS990/Desc0GUARDIAN FINANCE AND ADVOCACY SERVICES PROVIDES GUARDIAN, CONSERVATOR, REPRESENTATIVE PAYEE, POWER OF ATTORNEY, TRUSTEE, PERSONAL REPRESENTATIVE, AND MONEY MANAGEMENT SERVICES TO THOSE WHO CANNOT AFFORD, OR PROPERLY OR CONVENIENTLY OBTAIN SUCH ASSISTANCE FROM OTHERS.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DoingBusinessAsName/BusinessNameLine1Txt0GUARDIAN FINANCE & ADVOCACY SERVICE
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt033
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountLiabilityGrp/BOYAmt08875736
IRS990/EscrowAccountLiabilityGrp/EOYAmt08995394
IRS990/ExpenseAmt01240757
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt048356
IRS990/FeesForServicesAccountingGrp/TotalAmt048356
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt02958
IRS990/FeesForServicesLegalGrp/TotalAmt02958
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt08959
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt053531
IRS990/FeesForServicesOtherGrp/TotalAmt062490
IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt01857
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt01857
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1012585
IRS990/Form990PartVIISectionAGrp/PersonNm0LISA WILLCUTT
IRS990/Form990PartVIISectionAGrp/PersonNm1MARK CASSINO
IRS990/Form990PartVIISectionAGrp/PersonNm2GENE DILLENBECK
IRS990/Form990PartVIISectionAGrp/PersonNm3KIM TABOR
IRS990/Form990PartVIISectionAGrp/PersonNm4LAURIE BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm5JAMES BAKER
IRS990/Form990PartVIISectionAGrp/PersonNm6LAUREN MULVAINE
IRS990/Form990PartVIISectionAGrp/PersonNm7BROEK LEWIS
IRS990/Form990PartVIISectionAGrp/PersonNm8MARILYN ROBINSON
IRS990/Form990PartVIISectionAGrp/PersonNm9SCOTT BAXTER
IRS990/Form990PartVIISectionAGrp/PersonNm10ROBERT COPELAND
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1068033
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10ED/CEO
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01966
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/SecuritiesAmt01906
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt025688
IRS990/GrossReceiptsAmt01702171
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt010
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt010436
IRS990/InsuranceGrp/ProgramServicesAmt06419
IRS990/InsuranceGrp/TotalAmt016855
IRS990/InvestmentIncomeGrp/ExclusionAmt05406
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt05406
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt0736
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0107325
IRS990/LandBldgEquipBasisNetGrp/BOYAmt029652
IRS990/LandBldgEquipBasisNetGrp/EOYAmt020631
IRS990/LandBldgEquipCostOrOtherBssAmt0127956
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt023782
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
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.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0392416
IRS990/NetAssetsOrFundBalancesEOYAmt0646670
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt01906
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01906
IRS990/NetUnrlzdGainsLossesInvstAmt05451
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt04230
IRS990/OccupancyGrp/ProgramServicesAmt079777
IRS990/OccupancyGrp/TotalAmt084007
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0881
IRS990/OfficeExpensesGrp/ProgramServicesAmt016616
IRS990/OfficeExpensesGrp/TotalAmt017497
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08913207
IRS990/OtherAssetsTotalGrp/EOYAmt09040908
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt03774
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0114553
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0118327
IRS990/OtherExpensesGrp/Desc0TELEPHONE
IRS990/OtherExpensesGrp/Desc1SMALL FURN/EQUIP PURCHASE
IRS990/OtherExpensesGrp/Desc2POSTAGE
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01582
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11516
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt21185
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt310317
IRS990/OtherExpensesGrp/ProgramServicesAmt029831
IRS990/OtherExpensesGrp/ProgramServicesAmt128581
IRS990/OtherExpensesGrp/ProgramServicesAmt222345
IRS990/OtherExpensesGrp/ProgramServicesAmt3224
IRS990/OtherExpensesGrp/TotalAmt031413
IRS990/OtherExpensesGrp/TotalAmt130097
IRS990/OtherExpensesGrp/TotalAmt223530
IRS990/OtherExpensesGrp/TotalAmt310541
IRS990/OtherLiabilitiesGrp/BOYAmt023575
IRS990/OtherLiabilitiesGrp/EOYAmt028000
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt025915
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0740049
IRS990/OtherSalariesAndWagesGrp/TotalAmt0765964
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt05503
IRS990/PayrollTaxesGrp/ProgramServicesAmt054111
IRS990/PayrollTaxesGrp/TotalAmt059614
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt018222
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt010954
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt030165
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt033283
IRS990/PrincipalOfficerNm0ROBERT COPELAND
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0CLIENT FEES
IRS990/ProgramServiceRevenueGrp/Desc1CONTRACT BILLINGS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01178911
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1123035
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01178911
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1123035
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt094857
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt01678
IRS990/PYOtherExpensesAmt0361965
IRS990/PYProgramServiceRevenueAmt01215418
IRS990/PYRevenuesLessExpensesAmt0-125265
IRS990/PYSalariesCompEmpBnftPaidAmt01075253
IRS990/PYTotalExpensesAmt01437218
IRS990/PYTotalRevenueAmt01311953
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0248802
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt01301946
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0281015
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0605050
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt0369131
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt094857
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0163222
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0364227
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0132896
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt01124333
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt05406
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt02606
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt01905
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt01180
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt0932
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt012029
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt01301946
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt01215418
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt01209850
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt01097352
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt01042965
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt05867531
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt05406
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt02606
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt01905
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt01180
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt0932
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt012029
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.99830
IRS990ScheduleA/PublicSupportPY509Pct00.99890
IRS990ScheduleA/PublicSupportTotal509Amt06991864
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt01671077
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt01310275
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt01373072
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt01461579
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt01175861
IRS990ScheduleA/Total509Grp/TotalAmt06991864
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt01676483
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt01312881
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt01374977
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt01462759
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt01176793
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt07003893
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/AgentTrusteeEtcInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt017710
IRS990ScheduleD/EquipmentGrp/DepreciationAmt079461
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt097171
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt01857
IRS990ScheduleD/ExpensesSubtotalAmt01427730
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt01857
IRS990ScheduleD/InvestmentExpensesNotIncldAmt01857
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt02921
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt027864
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt030785
IRS990ScheduleD/NetUnrealizedGainsInvstAmt05451
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt08995394
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt128000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt210535
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt36979
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
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt028000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REFUNDABLE ADVANCES
IRS990ScheduleD/RevenueNotReportedAmt05451
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt01857
IRS990ScheduleD/RevenueSubtotalAmt01676532
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
IRS990ScheduleD/TotalBookValueLandBuildingsAmt020631
IRS990ScheduleD/TotalBookValueOtherAssetsAmt09040908
IRS990ScheduleD/TotalExpensesPerForm990Amt01429587
IRS990ScheduleD/TotalLiabilityAmt028000
IRS990ScheduleD/TotalRevenuePerForm990Amt01678389
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01681983
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01427730
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
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

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$9,794,623
Liabilities
$9,147,953
Net assets
$646,670
Revenue
$1,678,389
Expenses
$1,429,587
Net income
$248,802
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
2017Detailed filing. Detailed filing data is available for this year.$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