Civic Intelligence

Northern Michigan Foundation

990PF • Fiscal year 2018 • EIN 38-3136089

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 15, 2019

Organization Profile
2015 Washtenaw AveAnn Arbor, MI 48104

(734) 741-5858

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.81x

Higher debt load relative to assets than 93% of similar nonprofits.

2018 filings • $500k-$1M nonprofits • Source year 2018

Liabilities / Revenue

100th percentile

35.15x

Higher debt load relative to revenue than 100% of similar nonprofits.

2018 filings • $500k-$1M nonprofits • Source year 2018

Net Margin

3rd percentile

-210%

Higher net margin than 3% of similar nonprofits.

2018 filings • $500k-$1M nonprofits • Source year 2018

Top Officer Pay

54th percentile

$0

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2018 filings • $500k-$1M nonprofits • Source year 2018

Asset Growth

11th percentile

-15%

Faster asset growth than 11% of similar nonprofits.

2018 filings • $500k-$1M nonprofits • Annualized from 2017 to 2018

Revenue Growth

4th percentile

-60%

Faster revenue growth than 4% of similar nonprofits.

2018 filings • $500k-$1M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets93rd percentile

Assets

$635,070

No earlier filing loaded for comparison.

Net Assets

$119,953

No earlier filing loaded for comparison.

Liabilities

$515,117

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue100th percentileNet Margin3rd percentile

Revenue

$14,656

No earlier filing loaded for comparison.

Expenses

$45,504

No earlier filing loaded for comparison.

Net Income

-$30,848

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

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

$1.5M$1.0M$500K$0-$500KAssets 2010: $798,906Liabilities 2010: $1,081,995Net Assets 2010: -$283,0892010Assets 2011: $684,918Liabilities 2011: $1,010,3942011Assets 2012: $601,946Liabilities 2012: $999,507Net Assets 2012: -$397,5612012Assets 2013: $544,980Liabilities 2013: $935,182Net Assets 2013: -$390,2022013Assets 2014: $456,662Liabilities 2014: $811,916Net Assets 2014: -$355,2542014Assets 2015: $782,074Liabilities 2015: $725,463Net Assets 2015: $56,6112015Assets 2016: $723,710Liabilities 2016: $658,022Net Assets 2016: $65,6882016Assets 2018: $635,070Liabilities 2018: $515,117Net Assets 2018: $119,9532018

Highlighted filing

2018

Assets$635,070
Liabilities$515,117
Net Assets$119,953
Open 2018 Filing

Operations Trend

Revenue Growth4th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$600K$400K$200K$0-$200KExpenses 2010: $127,4012010Revenue 2011: $67,605Expenses 2011: $88,082Net Income 2011: -$20,4772011Expenses 2012: $75,7202012Revenue 2013: $102,181Expenses 2013: $85,107Net Income 2013: $17,0742013Revenue 2014: $54,075Expenses 2014: $56,208Net Income 2014: -$2,1332014Revenue 2015: $468,385Expenses 2015: $55,069Net Income 2015: $413,3162015Revenue 2016: $39,625Expenses 2016: $67,074Net Income 2016: -$27,4492016Revenue 2018: $14,656Expenses 2018: $45,504Net Income 2018: -$30,8482018

Highlighted filing

2018

Revenue$14,656
Expenses$45,504
Net Income-$30,848
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 15, 2019
Return Version
2018v3.1
Compensation and Service Providers
Top Officer Pay54th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
STEPHEN L RANZINIPres.-Treas.-$0--
PAUL H MICHAELDirector-$0--
MICHAEL TALLEYDirector-$0--
Filing and Contact Details

Filer

Filer Name
Northern Michigan Foundation
EIN
38-3136089
Phone
7347415858
Address
2015 WASHTENAW AVE, ANN ARBOR, MI 48104

Signing Officer

Name
Stephen L Ranzini
Title
Pres.-treas.
Phone
7347415858
Signed
2019-11-15
Discuss with paid preparer
Yes

Preparer

Firm
Freedman & Goldberg Cpas Pc
Address
31150 NORTHWESTERN HIGHWAY SUITE 2, FARMINGTON HILLS, MI 48334-2573
Preparer
Michael Goldberg
Phone
2486262400
Raw XML Appendix329 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.

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IRS990PF/StatementsRegardingActyGrp/PrivateOperatingFoundationInd0true
IRS990PF/StatementsRegardingActyGrp/Section508eRqrSatisfiedInd0true
IRS990PF/StatementsRegardingActyGrp/UnrelatedBusIncmOverLimitInd0false
IRS990PF/StatementsRegardingActyGrp/WebsiteAddressTxt0N/A
IRS990PF/SummaryOfDirectChrtblActyGrp/Description1Txt0CHARITABLE ACTIVITY OF LOANING FUNDS TO PROVIDE ECONOMIC DEVELOPMENT TO ECONOMICALLY DEPRESSED NORTHERN MICHIGAN COMPANIES. EXPENSES REPORTED ON CASH BASIS.
IRS990PF/SummaryOfDirectChrtblActyGrp/Expenses1Amt045504
IRS990PF/SumOfProgramRelatedInvstGrp/Description1Txt0N/A
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/FormAndInfoAndMaterialsTxt0APPLICATIONS MAY BE REQUESTED BY WRITING TO THE ABOVE ADDRESS
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RecipientPersonNm0STEPHEN LANGE RANZINI
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RecipientPhoneNum07347611641
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RecipientUSAddress/AddressLine1Txt0101 N MAIN STREET UNIT 1004
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RecipientUSAddress/CityNm0ANN ARBOR
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RecipientUSAddress/StateAbbreviationCd0MI
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RecipientUSAddress/ZIPCd048104
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RestrictionsOnAwardsTxt0NORTHERN MICHIGAN FOUNDATION MAKES LOANS TO BUSINESSES IN ECONOMICALLY DEPRESSED COUNTIES IN THE EASTERN UPPER AND NORTHERN LOWER PENINSULAS OF MICHIGAN. OBLIGATION TO BE CONSIDERED FOR LOAN PURPOSES MUST BE DENIED CREDIT BY TRADITIONAL LENDING INSTITUTIONS SUCH AS COMMERCIAL BANKS AND CREDIT UNIONS.
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/SubmissionDeadlinesTxt0N/A
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/LoansOrLoanGuaranteesInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/PerformanceOfServicesEtcInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/PurchaseOfAssetsNonchrtblEOInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/ReimbursementArrangementsInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/RelationshipsNonchrtblEOInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/RentalOfFacilitiesOthAssetsInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/SalesOrExchangesOfAssetsInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/SharingOfFacilitiesEtcInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/TrnsfrOfCashToNonchrtblEOInd0false
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/TrnsfrOtherAssetNonchrtblEOInd0false
IRS990PF/UndistributedIncomeGrp/QualifyingDistributionsAmt045504
IRS990PF/UndistributedIncomeGrp/RemainingDistriFromCorpusAmt045504
IRS990PF/UndistributedIncomeGrp/TotalCorpusAmt045504
MortgagesAndNotesPayableSch/NotePayableGrp/BalanceDueAmt0496604
MortgagesAndNotesPayableSch/NotePayableGrp/InterestRt00.0100
MortgagesAndNotesPayableSch/NotePayableGrp/LenderNameGrp/PersonNm0USDA RURAL DEVELOPMENT ADMINISTRATI
MortgagesAndNotesPayableSch/NotePayableGrp/LoanMaturityDt02026-03
MortgagesAndNotesPayableSch/NotePayableGrp/LoanOriginalAmt01944750
MortgagesAndNotesPayableSch/NotePayableGrp/RepaymentTermsTxt0ANNUAL
MortgagesAndNotesPayableSch/NotePayableGrp/SecurityProvidedBorrowerTxt0LIEN ON ASSETS OF ULTIMATE RECIPIEN
OtherAssetsSchedule/OtherAssetsScheduleGrp/BOYBookValueAmt013
OtherAssetsSchedule/OtherAssetsScheduleGrp/Desc0ACCRUED INTEREST - SECURITIES
OtherAssetsSchedule/OtherAssetsScheduleGrp/EOYBookValueAmt010
OtherAssetsSchedule/OtherAssetsScheduleGrp/EOYFMVAmt010
OtherDecreasesSchedule/OtherDecreasesDetail/Amt05530
OtherDecreasesSchedule/OtherDecreasesDetail/Amt1275
OtherDecreasesSchedule/OtherDecreasesDetail/Desc0UNREALIZED GAIN OR LOSS
OtherDecreasesSchedule/OtherDecreasesDetail/Desc1PROVISION FOR LOAN LOSSES
OtherExpensesSchedule/OtherExpensesScheduleGrp/Desc0EXPENSES
OtherExpensesSchedule/OtherExpensesScheduleGrp/Desc1MANAGEMENT FEES
OtherExpensesSchedule/OtherExpensesScheduleGrp/Desc2BANK CHARGES
OtherExpensesSchedule/OtherExpensesScheduleGrp/Desc3POSTAGE EXPENSE
OtherExpensesSchedule/OtherExpensesScheduleGrp/DisbursementsCharitablePrpsAmt030000
OtherExpensesSchedule/OtherExpensesScheduleGrp/DisbursementsCharitablePrpsAmt158
OtherExpensesSchedule/OtherExpensesScheduleGrp/DisbursementsCharitablePrpsAmt210
OtherExpensesSchedule/OtherExpensesScheduleGrp/RevenueAndExpensesPerBooksAmt030000
OtherExpensesSchedule/OtherExpensesScheduleGrp/RevenueAndExpensesPerBooksAmt158
OtherExpensesSchedule/OtherExpensesScheduleGrp/RevenueAndExpensesPerBooksAmt210
OtherIncomeSchedule2/OtherIncomeDetail/AdjustedNetIncomeAmt0708
OtherIncomeSchedule2/OtherIncomeDetail/AdjustedNetIncomeAmt113543
OtherIncomeSchedule2/OtherIncomeDetail/Desc0LOAN FEES
OtherIncomeSchedule2/OtherIncomeDetail/Desc1INTEREST ON LOANS
OtherIncomeSchedule2/OtherIncomeDetail/RevenueAndExpensesPerBooksAmt0708
OtherIncomeSchedule2/OtherIncomeDetail/RevenueAndExpensesPerBooksAmt113543
OtherIncreasesSchedule/OtherIncreasesDetail/Amt05440
OtherIncreasesSchedule/OtherIncreasesDetail/Desc0PRIOR PERIOD ADJUSTMENT
OtherNotesLoansRcvblShortSch2/OtherNotesLoansRcvblShortGrp/BalanceDueAmt0120056
OtherNotesLoansRcvblShortSch2/OtherNotesLoansRcvblShortGrp/Organization501c3Name/BusinessNameLine1Txt0LOANS - RELENDING
TaxesSchedule/TaxesDetail/Amt020
TaxesSchedule/TaxesDetail/Amt14
TaxesSchedule/TaxesDetail/CategoryTxt0LOCAL TAXES
TaxesSchedule/TaxesDetail/CategoryTxt1FEDERAL INCOME TAX
TaxesSchedule/TaxesDetail/DisbursementsCharitablePrpsAmt020
TaxesSchedule/TaxesDetail/DisbursementsCharitablePrpsAmt14
ReturnHeader/BuildTS02020-03-31 21:24:44Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0STEPHEN L RANZINI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRES.-TREAS.
ReturnHeader/BusinessOfficerGrp/PhoneNum07347415858
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-11-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NORTHERN MICHIGAN FOUNDATION
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0383136089
ReturnHeader/Filer/PhoneNum07347415858
ReturnHeader/Filer/USAddress/AddressLine1Txt02015 WASHTENAW AVE
ReturnHeader/Filer/USAddress/CityNm0ANN ARBOR
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048104
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId052F9B5606CA11E1A79DDF272F8BF983659FB037A
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId029715FDD9C88E0F23D374274B791B06654CEA5D9
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.78.100.50
ReturnHeader/FilingSecurityInformation/IPDt02019-11-14
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm013:36:33
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382622626
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FREEDMAN & GOLDBERG CPAS PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt031150 NORTHWESTERN HIGHWAY SUITE 2
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FARMINGTON HILLS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0483342573
ReturnHeader/PreparerPersonGrp/PhoneNum02486262400
ReturnHeader/PreparerPersonGrp/PreparationDt02019-11-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL GOLDBERG
ReturnHeader/ReturnTs02019-11-14T13:36:33-06:00
ReturnHeader/ReturnTypeCd0990PF
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$635,070
Liabilities
$515,117
Net assets
$119,953
Revenue
$14,656
Expenses
$45,504
Net income
-$30,848
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.64$0.52$0.12$0.01$0.05$0.03
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.72$0.66$0.07$0.04$0.07$0.03
2015Detailed filing. Detailed filing data is available for this year.$0.78$0.73$0.06$0.47$0.06$0.41
2014Detailed filing. Detailed filing data is available for this year.$0.46$0.81$0.36$0.05$0.06$0.00
2013Detailed filing. Detailed filing data is available for this year.$0.54$0.94$0.39$0.10$0.09$0.02
2012Detailed filing. Detailed filing data is available for this year.$0.60$1.00$0.40$0.08
2011Summary only. Only limited summary data is available for this year.$0.68$1.01$0.07$0.09$0.02
2010Detailed filing. Detailed filing data is available for this year.$0.80$1.08$0.28$0.13