Civic Intelligence

Calhoun County Guardian

990 • Fiscal year 2018 • EIN 38-2282034

Oct 01, 2017 to Sep 30, 2018 • Filed on Jun 12, 2019

Organization ProfileWWW.YOURGUARDIAN.ORG

View Organization Page

693 Capital Ave SW Unit 3Battle Creek, MI 49015

(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.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

95th percentile

6.08x

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

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Net Margin

49th percentile

2.8%

Higher net margin than 49% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

18th percentile

$83,550

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 5.3% of source-year revenue.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2018

Asset Growth

61st percentile

4.7%

Faster asset growth than 61% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

23rd percentile

-6.2%

Faster revenue growth than 23% of similar nonprofits.

2018 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$10,258,547

Up $463,924 (+4.7%) from 2017

Net Assets

Up

$693,110

Up $46,440 (+7.2%) from 2017

Liabilities

Up

$9,565,437

Up $417,484 (+4.6%) from 2017

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin49th percentile

Revenue

Down

$1,574,091

Down $104,298 (-6.2%) from 2017

Expenses

Up

$1,530,032

Up $100,445 (+7.0%) from 2017

Net Income

Down

$44,059

Down $204,743 (-82%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth61st 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

2018

Assets$10,258,547
Liabilities$9,565,437
Net Assets$693,110
Open 2018 Filing

Operations Trend

Revenue Growth23rd 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

2018

Revenue$1,574,091
Expenses$1,530,032
Net Income$44,059
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2017 to Sep 30, 2018
Signed
Jun 12, 2019
Return Version
2017v2.3
Gross Receipts
$1,592,308
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$605,050$434,604▼ $170,446
Investments in Publicly Traded Securities-$165,811-
Accounts Receivable$83,496$80,807▼ $2,689
Land, Buildings, and Equipment, Net$20,631$78,441▲ $57,810
Prepaid Expenses and Deferred Charges$33,283$37,775▲ $4,492
Pledges and Grants Receivable$10,954$16,163▲ $5,209
Cash and Non-Interest-Bearing Accounts$301$308▲ $7
Total Assets$9,794,623$10,258,547▲ $463,924
Other Assets Total$9,040,908$9,444,638▲ $403,730
Liabilities
Escrow Account Liability$8,995,394$9,236,856▲ $241,462
Other Liabilities$28,000$194,037▲ $166,037
Accounts Payable and Accrued Expenses$124,559$134,544▲ $9,985
Total Liabilities$9,147,953$9,565,437▲ $417,484
Net Assets / Fund Balance
Unrestricted Net Assets$586,201$655,977▲ $69,776
Temporarily Rstr Net Assets$60,469$37,133▼ $23,336
Total Net Assets Fund Balance$646,670$693,110▲ $46,440
Total Liabilities and Net Assets / Fund Balance$9,794,623$10,258,547▲ $463,924

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$58,047$53,571$111,618
Leasehold Improvements$20,394$856$21,250
Other Assets Org$2,628--
Compensation and Service Providers
Top Officer Pay18th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert CopelandEd/CEOFT$70,643$12,907$83,550

Board Members and Trustees

NameTitle
Lisa WillcuttPresident
David LucasBoard Member
Juan GonzalezBoard Member
Marilyn RobinsonBoard Member
Raymond SawyerBoard Member
Rebecca PlichtaBoard Member
Scott BaxterBoard Member
Susan MccloskeyBoard Member
Laurie BrownSecretary
Gene DillenbeckTreasurer
Mark CassinoVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$155,012
Program Service Revenue
$1,403,198
Investment Income
$15,881
Other Revenue
$0
All Other Contributions
$155,012
Change in Net Assets
$44,059

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,572,349
Revenue Not Reported on Financial Statements
$1,742
Revenue Not Reported on Form 990
$2,381
Total Revenue per Audited Statements
$1,574,730
Total Revenue per Form 990
$1,574,091
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,064,888
Other Expenses$465,144
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$776,606$30,674-$807,280
Other Employee Benefits$109,152$2,889-$112,041
Occupancy$91,167$5,269-$96,436
Current Officers, Directors, Trustees, and Key Employees$20,888$62,663-$83,551
Fees for Services Other$60,467$8,648-$69,115
Payroll Taxes$56,026$5,990-$62,016
Fees for Services Accounting-$48,304-$48,304
Office Expenses$41,142$2,381-$43,523
Travel$39,068$1,049-$40,117
Depreciation Depletion$18,156$1,049-$19,205
Insurance-$17,392-$17,392
Conferences and Meetings$8,377$843-$9,220
Other Expenses$4,231$3,256-$7,487
All Other Expenses$5,648$1,169-$6,817
Fees for Service Investment Mgmnt Fees-$1,742-$1,742
Advertising-$500-$500
Fees for Services Legal$64--$64
Total Functional Expenses$1,311,795$218,237$0$1,530,032

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,530,032
Expenses per Audited Statements$1,528,290
Total Expenses per Audited Statements$1,528,290
Expenses Not Reported on Financial Statements$1,742
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$194,037
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
693 CAPITAL AVE SW UNIT 3, BATTLE CREEK, MI 49015
Doing Business As
Guardian Finance & Advocacy Service

Signing Officer

Name
Robert Copeland
Title
Ed/CEO
Phone
2699633253
Signed
2019-06-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Copeland
Formed
1966
Legal Domicile
Mi
Voting Board Members
11
Independent Board Members
11
Employees
35
Volunteers
7

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/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/Desc0FUNDS HELD FOR CLIENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1ASSETS HELD FOR KALAMAZOO CDCU
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2BENEFICIAL INTEREST - BC COMM. FDN.
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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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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

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,258,547
Liabilities
$9,565,437
Net assets
$693,110
Revenue
$1,574,091
Expenses
$1,530,032
Net income
$44,059
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
2018Detailed filing. Detailed filing data is available for this year.$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