Civic Intelligence

Circle of Love CDC

990EZ • Fiscal year 2014 • EIN 45-0490914

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 14, 2015

Organization ProfileCIRCLEOFLOVECDC.ORG
1809 Durand StreetSaginaw, MI 48602

(989) 921-0569

Siviq Scores

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

Liabilities / Assets

94th percentile

1.04x

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

2014 filings • 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.

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

Net Margin

8th percentile

-51%

Higher net margin than 8% of similar nonprofits.

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

Top Officer Pay

87th percentile

$32,800

Higher top officer pay than 87% of similar nonprofits.

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

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

Asset Growth

13th percentile

-34%

Faster asset growth than 13% of similar nonprofits.

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

Revenue Growth

8th percentile

-52%

Faster revenue growth than 8% of similar nonprofits.

2014 filings • 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

Net Assets

Down

-$3,186

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

Liabilities

Up

$81,110

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

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin8th 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

Historical Trend

Balance Sheet Trend

Asset Growth13th percentile

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

$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 Growth8th percentile

Revenue, expenses, and net income across loaded years, with this 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
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 Pay87th 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/PersonNm0PAMELIA BRAZIL
IRS990EZ/BooksInCareOfDetail/PhoneNum09899210569
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01809 DURAND STREET
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0SAGINAW
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd048602
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt053505
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0873
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt079292
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-64720
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt03569
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0118786
IRS990EZ/Form990TotalAssetsGrp/EOYAmt077924
IRS990EZ/GrossReceiptsAmt0127662
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LandAndBuildingsGrp/BOYAmt065096
IRS990EZ/LandAndBuildingsGrp/EOYAmt061800
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt061534
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0-3186
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt061534
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0-3186
IRS990EZ/OccupancyRentUtltsAndMaintAmt015090
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt2000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt3000.00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt5000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt6000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
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
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Pamelia Brazil
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
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0To provide housing counseling services, budgeting, credit repair, money management skills and financial management education to low income to moderate income individuals and families.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt044776
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt044776
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/RelatedOrgSect527OrgInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt0111694
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt057252
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt081110
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TotalExpensesAmt0192382
IRS990EZ/TotalProgramServiceExpensesAmt044776
IRS990EZ/TotalRevenueAmt0127662
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0CIRCLEOFLOVECDC.ORG
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0127662
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0263269
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0164245
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0343292
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0191723
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01090191
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportCY509Pct00.00000
IRS990ScheduleA/PublicSupportTotal170Amt01090191
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0127662
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0263269
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0164245
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0343292
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0191723
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
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Beginning of year 185, End of year 15,251
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

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed 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