Civic Intelligence

Circle of Love CDC

EIN 45-0490914 • 501(c)3 • Saginaw, MI

Profile

To provide counseling services and afordable housing for very low to moderate income families.

1809 Durand StreetSaginaw, MI 48602

circleoflovecdc.org

Siviq Scores

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

Liabilities / Assets

94th percentile

1.04x

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

501(c)3 • <$500k nonprofits • Source year 2014

Liabilities / Revenue

93rd percentile

0.64x

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

501(c)3 • <$500k nonprofits • Source year 2014

Net Margin

14th percentile

-51%

Higher net margin than 14% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2014

Top Officer Pay

90th percentile

$32,800

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 25.7% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2014

Asset Growth

25th percentile

-34%

Faster asset growth than 25% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

Revenue Growth

18th percentile

-52%

Faster revenue growth than 18% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets94th percentile

Assets

Down

$77,924

Down $40,862 (-34%) from 2013

Liabilities

Up

$81,110

Up $23,858 (+42%) from 2013

Net Assets

Down

-$3,186

Down $64,720 (-105%) from 2013

Operations
Liabilities / Revenue93rd percentileNet Margin14th percentile

Revenue

Down

$127,662

Down $135,633 (-52%) from 2013

Expenses

Down

$192,382

Down $49,979 (-21%) from 2013

Net Income

Down

-$64,720

Down $85,654 (-409%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

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

$200K$150K$100K$50K$0-$50KAssets 2011: $150,745Liabilities 2011: $149,027Net Assets 2011: $1,7182011Assets 2012: $96,552Liabilities 2012: $69,751Net Assets 2012: $26,8012012Assets 2013: $118,786Liabilities 2013: $57,252Net Assets 2013: $61,5342013Assets 2014: $77,924Liabilities 2014: $81,110Net Assets 2014: -$3,1862014

Highlighted filing

2014

Assets$77,924
Liabilities$81,110
Net Assets-$3,186
Open 2014 Filing

Operations Trend

Revenue Growth18th percentile

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

$400K$200K$0-$200KRevenue 2011: $343,385Expenses 2011: $335,347Net Income 2011: $8,0382011Revenue 2012: $147,867Expenses 2012: $158,077Net Income 2012: -$10,2102012Revenue 2013: $263,295Expenses 2013: $242,361Net Income 2013: $20,9342013Revenue 2014: $127,662Expenses 2014: $192,382Net Income 2014: -$64,7202014

Highlighted filing

2014

Revenue$127,662
Expenses$192,382
Net Income-$64,720
Open 2014 Filing

Filings

Most recent year

2014 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$77,924
Liabilities
$81,110
Net assets
-$3,186
Revenue
$127,662
Expenses
$192,382
Net income
-$64,720
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.78$0.81$0.03$1.28$1.92$0.65
2013Detailed filing. Detailed filing data is available for this year.$1.19$0.57$0.62$2.63$2.42$0.21
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.97$0.70$0.27$1.48$1.58$0.10
2011Summary only. Only limited summary data is available for this year.$1.51$1.49$0.02$3.43$3.35$0.08
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 14, 2015
Return Version
2014v5.0
Gross Receipts
$127,662
Mission and Program Overview

Mission

To provide counseling services and afordable housing for very low to moderate income families.

To provide counseling services and affordable housing for very low to moderate income families.

Program Services

DescriptionGrantsExpenses
To provide housing counseling services, budgeting, credit repair, money management skills and financial management education to low income to moderate income individuals and families.$44,776$44,776
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Pamelia BrazilExecutive DirectorFT$32,800-$32,800
Jerome BuckleyDirector-$0--
Lois RobinsonDirector-$0--
Alnisha JacksonSecretary-$0--
Debwin SimonTreasury-$0--
Linda VanderpoolPresident-$0--
Lee AustinVice-President-$0--
Filing and Contact Details

Filer

Filer Name
Circle of Love Cdc
EIN
45-0490914
Phone
9899210569
Address
1809 DURAND STREET, SAGINAW, MI 48602

Signing Officer

Name
Lee Austin
Title
President
Signed
2015-11-14
Discuss with paid preparer
No

Preparer

Firm
Ppa Financial Concepts
Address
610 E GRAND BLANC RD STE A, GRAND BLANC, MI 48439
Preparer
Priscilla L Prude
Phone
8105790735
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 8, Other Revenue

“Rent 3,594”

Form 990-EZ, Part I, Line 16, Other Expenses

“Fundraising 9,622”

Form 990-EZ, Part I, Line 16, Other Expenses

“Conferences, conventions, and meetings 23,360”

Form 990-EZ, Part I, Line 16, Other Expenses

“Equipment rental and maintenance 14,659”

Form 990-EZ, Part I, Line 16, Other Expenses

“Interest 2,231”

Form 990-EZ, Part I, Line 16, Other Expenses

“Supplies 1,950”

Form 990-EZ, Part I, Line 16, Other Expenses

“Telephone 3,775”

Form 990-EZ, Part I, Line 16, Other Expenses

“Insurance 4,286”

Form 990-EZ, Part I, Line 16, Other Expenses

“Loan Repayment 1,100”

Form 990-EZ, Part I, Line 16, Other Expenses

“Other Business Exp 910”

Form 990-EZ, Part II, Line 24, Other Assets

“Beginning of year 185, End of year 15,251”

Form 990-EZ, Part II, Line 26, Liabilities

“Beginning of year 57,252, End of year 81,110”

Raw XML Appendix175 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
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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0SAGINAW
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IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt053505
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IRS990EZ/OccupancyRentUtltsAndMaintAmt015090
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt432800
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Jerome Buckley
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Lois Robinson
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Alnisha Jackson
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Debwin Simon
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5Linda Vanderpool
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6Lee Austin
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Treasury
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Executive Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Vice-President
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt0185
IRS990EZ/OtherAssetsTotalDetail/EOYAmt015251
IRS990EZ/OtherExpensesTotalAmt061893
IRS990EZ/OtherRevenueTotalAmt03594
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0To provide counseling services and affordable housing for very low to moderate income families.
IRS990EZ/PrintingPublicationsPostageAmt0136
IRS990EZ/ProgramServiceRevenueAmt044776
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IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt044776
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/RelatedOrgSect527OrgInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt0111694
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SubjectToProxyTaxInd0false
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IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
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IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0127662
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0263269
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0164245
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0343292
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IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/PublicOrganization170Ind0X
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IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01090191
IRS990ScheduleA/TotalSupportAmt01090191
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
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Rent 3,594
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Fundraising 9,622
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Conferences, conventions, and meetings 23,360
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Equipment rental and maintenance 14,659
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Interest 2,231
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Supplies 1,950
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Telephone 3,775
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Insurance 4,286
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Loan Repayment 1,100
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Other Business Exp 910
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Beginning of year 57,252, End of year 81,110
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 8, Other Revenue
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990-EZ, Part II, Line 24, Other Assets
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990-EZ, Part II, Line 26, Liabilities
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0LEE AUSTIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CIRCLE OF LOVE CDC
ReturnHeader/Filer/BusinessNameControlTxt0CIRC
ReturnHeader/Filer/EIN0450490914
ReturnHeader/Filer/PhoneNum09899210569
ReturnHeader/Filer/USAddress/AddressLine1Txt01809 DURAND STREET
ReturnHeader/Filer/USAddress/CityNm0SAGINAW
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048602
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0PPA FINANCIAL CONCEPTS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0610 E GRAND BLANC RD STE A
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0GRAND BLANC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd048439
ReturnHeader/PreparerPersonGrp/PhoneNum08105790735
ReturnHeader/PreparerPersonGrp/PreparationDt02015-11-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Priscilla L Prude
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-11-14T02:43:26-00:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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