Civic Intelligence

Saginaw Eddy Concert Band

EIN 38-3379856 • 501(c)3 • Saginaw, MI

Profile

The secb is a concert band that provides free public concerts, mostly in the summer.

9677 Wadsworth RoadSaginaw, MI 48601

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

72nd percentile

0.03x

Higher debt load relative to assets than 72% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

67th percentile

0.01x

Higher debt load relative to revenue than 67% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

67th percentile

13%

Higher net margin than 67% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

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

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

96th percentile

229%

Faster asset growth than 96% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

71st percentile

19%

Faster revenue growth than 71% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$29,605

Up $20,616 (+229%) from 2023

Liabilities

Flat

$810

Flat from 2023

Net Assets

$28,795

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue67th percentileNet Margin67th percentile

Revenue

Up

$157,975

Up $25,768 (+19%) from 2023

Expenses

Down

$137,359

Down $11,693 (-7.8%) from 2023

Net Income

Up

$20,616

Up $37,461 (+222%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth96th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150K$100K$50K$0Assets 2010: $32,642Liabilities 2010: $0Net Assets 2010: $32,6422010Assets 2011: $38,185Liabilities 2011: $0Net Assets 2011: $38,1852011Assets 2012: $38,571Liabilities 2012: $0Net Assets 2012: $38,5712012Assets 2013: $48,338Liabilities 2013: $0Net Assets 2013: $48,3382013Assets 2014: $51,715Liabilities 2014: $0Net Assets 2014: $51,7152014Assets 2015: $51,945Liabilities 2015: $0Net Assets 2015: $51,9452015Assets 2016: $57,723Liabilities 2016: $0Net Assets 2016: $57,7232016Assets 2017: $58,922Liabilities 2017: $02017Assets 2018: $51,775Liabilities 2018: $0Net Assets 2018: $51,7752018Assets 2019: $23,283Liabilities 2019: $667Net Assets 2019: $22,6162019Assets 2020: $147,173Liabilities 2020: $1,117Net Assets 2020: $146,0562020Assets 2021: $35,175Liabilities 2021: $0Net Assets 2021: $35,1752021Assets 2022: $25,024Liabilities 2022: $02022Assets 2023: $8,989Liabilities 2023: $8102023Assets 2024: $29,605Liabilities 2024: $810Net Assets 2024: $28,7952024

Highlighted filing

2024

Assets$29,605
Liabilities$810
Net Assets$28,795
Open 2024 Filing

Operations Trend

Revenue Growth71st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200K$100K$0-$100K-$200KRevenue 2010: $125,000Expenses 2010: $120,488Net Income 2010: $4,5122010Revenue 2011: $125,000Expenses 2011: $119,457Net Income 2011: $5,5432011Revenue 2012: $126,000Expenses 2012: $125,613Net Income 2012: $3872012Revenue 2013: $128,000Expenses 2013: $118,233Net Income 2013: $9,7672013Revenue 2014: $130,000Expenses 2014: $132,623Net Income 2014: -$2,6232014Revenue 2015: $130,000Expenses 2015: $129,770Net Income 2015: $2302015Revenue 2016: $140,000Expenses 2016: $134,222Net Income 2016: $5,7782016Revenue 2017: $135,003Expenses 2017: $133,804Net Income 2017: $1,1992017Revenue 2018: $131,061Expenses 2018: $138,208Net Income 2018: -$7,1472018Revenue 2019: $130,007Expenses 2019: $159,166Net Income 2019: -$29,1592019Revenue 2020: $140,012Expenses 2020: $16,122Net Income 2020: $123,8902020Revenue 2021: $10Expenses 2021: $110,891Net Income 2021: -$110,8812021Revenue 2022: $126,009Expenses 2022: $136,160Net Income 2022: -$10,1512022Revenue 2023: $132,207Expenses 2023: $149,052Net Income 2023: -$16,8452023Revenue 2024: $157,975Expenses 2024: $137,359Net Income 2024: $20,6162024

Highlighted filing

2024

Revenue$157,975
Expenses$137,359
Net Income$20,616
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$29,605
Liabilities
$810
Net assets
$28,795
Revenue
$157,975
Expenses
$137,359
Net income
$20,616
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.30$0.01$0.29$1.58$1.37$0.21
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.09$0.01$1.32$1.49$0.17
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.25$0.00$1.26$1.36$0.10
2021Detailed filing. Detailed filing data is available for this year.$0.35$0.00$0.35$0.00$1.11$1.11
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.47$0.01$1.46$1.40$0.16$1.24
2019Detailed filing. Detailed filing data is available for this year.$0.23$0.01$0.23$1.30$1.59$0.29
2018Detailed filing. Detailed filing data is available for this year.$0.52$0.00$0.52$1.31$1.38$0.07
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.59$0.00$1.35$1.34$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.58$0.00$0.58$1.40$1.34$0.06
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.52$0.00$0.52$1.30$1.30$0.00
2014Detailed filing. Detailed filing data is available for this year.$0.52$0.00$0.52$1.30$1.33$0.03
2013Summary only. Only limited summary data is available for this year.$0.48$0.00$0.48$1.28$1.18$0.10
2012Summary only. Only limited summary data is available for this year.$0.39$0.00$0.39$1.26$1.26$0.00
2011Summary only. Only limited summary data is available for this year.$0.38$0.00$0.38$1.25$1.19$0.06
2010Summary only. Only limited summary data is available for this year.$0.33$0.00$0.33$1.25$1.20$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 12, 2025
Return Version
2024v5.0
Gross Receipts
$157,975
Mission and Program Overview

Mission

The secb is a concert band that provides free public concerts, mostly in the summer.

Program Services

DescriptionGrantsExpenses
FREE CONCERTS FOR THE PUBLIC.-$137,359
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
NANCY TAYLORPresident-$0--
NANCY K BENJAMINDirector-$0--
CHELSEA LEGALOSecretary-$0--
JEANNINE COUGHLINVice Preside-$0--
PAM HUGHESBookkeeper-$0--
NORM WIKADirector-$0--
DALE HUGGARDTreasurer-$0--
JUDY WAGLEYDirector-$0--
Filing and Contact Details

Filer

Filer Name
Saginaw Eddy Concert Band
EIN
38-3379856
Phone
9898689893
Address
9677 WADSWORTH ROAD, SAGINAW, MI 48601

Signing Officer

Name
Dale Huggard
Title
Treasurer
Phone
9898689893
Signed
2025-05-12
Discuss with paid preparer
Yes

Preparer

Firm
Allen M Bierlein CPA
Address
721 WASHINGTON AVE STE 500, BAY CITY, MI 48708-5728
Preparer
Allen M Bierlein CPA
Phone
9896670840
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

“Expenses advertising & marketing 1,017 office expense 434 fees 290 bank service charges 30 total 1,771”

Form 990-ez, Part II, Line 26

“Accounts payable and accrued expenses 810 810”

Form 990-ez, Part III

“The secb is a concert band that provides free public concerts, mostly in the summer.”

Raw XML Appendix145 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
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0PAM HUGUES
IRS990EZ/BooksInCareOfDetail/PhoneNum09894504207
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt03332 E MIDLAND ROAD
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0BAY CITY
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd048706
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt08989
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt029605
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt0157970
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt020616
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0135042
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt08989
IRS990EZ/Form990TotalAssetsGrp/EOYAmt029605
IRS990EZ/GrossReceiptsAmt0157975
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt05
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt08179
IRS990EZ/NetAssetsOrFundBalancesEOYAmt028795
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt08179
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt028795
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt2000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt3000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt4000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt5000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt6000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt7000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0NANCY TAYLOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1NANCY K BENJAMIN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2CHELSEA LEGALO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3JEANNINE COUGHLIN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4PAM HUGHES
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5NORM WIKA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6DALE HUGGARD
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7JUDY WAGLEY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3VICE PRESIDE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4BOOKKEEPER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt01771
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0THE SECB IS A CONCERT BAND THAT PROVIDES FREE PUBLIC CONCERTS, MOSTLY IN THE SUMMER.
IRS990EZ/PrintingPublicationsPostageAmt0546
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0FREE CONCERTS FOR THE PUBLIC.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0137359
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0MI
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0810
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0810
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0137359
IRS990EZ/TotalProgramServiceExpensesAmt0137359
IRS990EZ/TotalRevenueAmt0157975
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0157970
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0132200
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0126000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0140000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0556170
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt0556170
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0157970
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0132200
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0126000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0140000
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0556170
IRS990ScheduleA/TotalSupportAmt0556170
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES ADVERTISING & MARKETING 1,017 OFFICE EXPENSE 434 FEES 290 BANK SERVICE CHARGES 30 TOTAL 1,771
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ACCOUNTS PAYABLE AND ACCRUED EXPENSES 810 810
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE SECB IS A CONCERT BAND THAT PROVIDES FREE PUBLIC CONCERTS, MOSTLY IN THE SUMMER.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART II, LINE 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART III
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DALE HUGGARD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum09898689893
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SAGINAW EDDY CONCERT BAND
ReturnHeader/Filer/BusinessNameControlTxt0SAGI
ReturnHeader/Filer/EIN0383379856
ReturnHeader/Filer/PhoneNum09898689893
ReturnHeader/Filer/USAddress/AddressLine1Txt09677 WADSWORTH ROAD
ReturnHeader/Filer/USAddress/CityNm0SAGINAW
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048601
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0382700746
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ALLEN M BIERLEIN CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0721 WASHINGTON AVE STE 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BAY CITY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0487085728
ReturnHeader/PreparerPersonGrp/PhoneNum09896670840
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ALLEN M BIERLEIN CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-05-12T15:47:12-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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