Civic Intelligence

Saginaw Valley Adjusters Association

EIN 46-4937460 • 501(c)6 • Frankenmuth, MI

Profile

Provide educational opportunities to insurance claims adjusters, and those involved in the processing and handling of injury claims. We promote relationships within these industries, and provide scholarships to help positively affect the future generation of those who are part of this association.

PO Box 8Frankenmuth, MI 48734

www.svaami.com

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

51st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2025

Net Margin

23rd percentile

-18%

Higher net margin than 23% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2025

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2025

Balance Sheet
Liabilities / Assets49th percentile

Assets

Down

$12,053

Down $2,921 (-20%) from 2020

Liabilities

Flat

$0

Flat from 2020

Net Assets

Down

$12,053

Down $2,921 (-20%) from 2020

Operations
Liabilities / Revenue51st percentileNet Margin23rd percentile

Revenue

Up

$71,761

Up $22,200 (+45%) from 2020

Expenses

Up

$84,755

Up $29,138 (+52%) from 2020

Net Income

Down

-$12,994

Down $6,938 (-115%) from 2020

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$40K$30K$20K$10K$0Assets 2017: $34,562Liabilities 2017: $0Net Assets 2017: $34,5622017Assets 2018: $36,938Liabilities 2018: $0Net Assets 2018: $36,9382018Assets 2019: $21,030Liabilities 2019: $0Net Assets 2019: $21,0302019Assets 2020: $14,974Liabilities 2020: $0Net Assets 2020: $14,9742020Assets 2025: $12,053Liabilities 2025: $0Net Assets 2025: $12,0532025

Highlighted filing

2025

Assets$12,053
Liabilities$0
Net Assets$12,053
Open 2025 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$100K$50K$0-$50KRevenue 2017: $73,616Expenses 2017: $70,831Net Income 2017: $2,7852017Revenue 2018: $80,885Expenses 2018: $78,509Net Income 2018: $2,3762018Revenue 2019: $92,967Expenses 2019: $96,429Net Income 2019: -$3,4622019Revenue 2020: $49,561Expenses 2020: $55,617Net Income 2020: -$6,0562020Revenue 2025: $71,761Expenses 2025: $84,755Net Income 2025: -$12,9942025

Highlighted filing

2025

Revenue$71,761
Expenses$84,755
Net Income-$12,994
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$12,053
Liabilities
$0
Net assets
$12,053
Revenue
$71,761
Expenses
$84,755
Net income
-$12,994
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.1$0.00$12.1$71.8$84.8$13.0
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.0$0.00$15.0$49.6$55.6$6.06
2019Summary only. Only limited summary data is available for this year.$21.0$0.00$21.0$93.0$96.4$3.46
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.9$0.00$36.9$80.9$78.5$2.38
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.6$0.00$34.6$73.6$70.8$2.79
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Sep 1, 2024 to Aug 31, 2025
Signed
Feb 1, 2026
Return Version
2024v5.0
Gross Receipts
$71,761
Mission and Program Overview

Mission

Provide educational opportunities to insurance claims adjusters, and those involved in the processing and handling of injury claims. We promote relationships within these industries, and provide scholarships to help positively affect the future generation of those who are part of this association.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$6,262$7,001▲ $739
Cash and Non-Interest-Bearing Accounts$18,785$5,052▼ $13,733
Total Assets$25,047$12,053▼ $12,994
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$20,845$7,851▼ $12,994
Net Assets With Donor Restrictions$4,202$4,202→ $0
Total Net Assets Fund Balance$25,047$12,053▼ $12,994
Total Liabilities and Net Assets / Fund Balance$25,047$12,053▼ $12,994
Compensation and Service Providers
Top Officer Pay77th percentile

Board Members and Trustees

NameTitle
Matthew KlinskiPresident
Chantel SaincomeDirector
Charles McmartinDirector
Jackie BlighDirector
Bob FisherVendor Board
Harold DrewsVendor Board
Michelle TrudellVendor Board
Kandi BrownSecretary
Martin OlsonTreasurer
Kimberly CzerewkoVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$71,760
Investment Income
$1
Other Revenue
$0
Change in Net Assets
$-12,994
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$84,755
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other$69,667$2,004-$71,671
Other Expenses-$10,000-$10,000
Insurance-$1,613-$1,613
Fees for Services Accounting-$1,350-$1,350
Office Expenses-$121-$121
Total Functional Expenses$69,667$15,088$0$84,755
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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Saginaw Valley Adjusters
EIN
46-4937460
Phone
9897916358
Address
PO BOX 8, FRANKENMUTH, MI 48734

Signing Officer

Name
Matthew Klinski
Title
President
Phone
9897916358
Signed
2026-02-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Matthew Klinski
Voting Board Members
10
Independent Board Members
0
Employees
0
Volunteers
10

Preparer

Firm
Hoerner & Geer Cpas
Address
150 W BROAD ST, CHESANING, MI 48616
Preparer
Ryan S Hoerner
Phone
9898453232
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Provide educational opportunities to insurance claims adjusters, and those involved in the processing and handling of injury claims. We promote relationships within these industries, and provide scholarships to help positively affect the future generation of those who are part of this association.”

Form 990, Page 2, Part III, Line 4D

“Hosting monthly membership meeting for networking opportunities and support within the insurance industry, participation in vendor expo for educational and networking purposes, and the hosting of golf outings to promote networking opportunities.”

Form 990, Part IX, Line 11G

“Bank charges 0 2,004 0 casino night expense 7,942 0 0 dinner and dues expense 23,382 0 0 expo expense 11,749 0 0 golf expense 19,073 0 0 scholarship & donations 7,521 0 0 total 69,667 2,004 0”

Raw XML Appendix301 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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IRS990/ActivityOrMissionDesc0PROVIDE EDUCATIONAL OPPORTUNITIES TO INSURANCE CLAIMS ADJUSTERS, AND THOSE INVOLVED IN THE PROCESSING AND HANDLING OF INJURY CLAIMS. WE PROMOTE RELATIONSHIPS WITHIN THESE INDUSTRIES, AND PROVIDE SCHOLARSHIPS TO HELP POSITIVELY AFFECT THE FUTURE GENERATION OF THOSE WHO ARE PART OF THIS ASSOCIATION.
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt3VENDOR BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt4VENDOR BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9VENDOR BOARD
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt071761
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt01613
IRS990/InsuranceGrp/TotalAmt01613
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01
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IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt00
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd0true
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IRS990/MissionDesc0PROVIDE EDUCATIONAL OPPORTUNITIES TO INSURANCE CLAIMS ADJUSTERS, AND THOSE INVOLVED IN THE PROCESSING AND HANDLING OF INJURY CLAIMS. WE PROMOTE RELATIONSHIPS WITHIN THESE INDUSTRIES, AND PROVIDE SCHOLARSHIPS TO HELP POSITIVELY AFFECT THE FUTURE GENERATION OF THOSE WHO ARE PART OF THIS ASSOCIATION.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt025047
IRS990/NetAssetsOrFundBalancesEOYAmt012053
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IRS990/OfficeExpensesGrp/TotalAmt0121
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IRS990/OrganizationFollowsFASB117Ind0X
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IRS990/OtherExpensesGrp/TotalAmt010000
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IRS990/PoliticalCampaignActyInd0false
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IRS990/ProfessionalFundraisingInd0false
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDE EDUCATIONAL OPPORTUNITIES TO INSURANCE CLAIMS ADJUSTERS, AND THOSE INVOLVED IN THE PROCESSING AND HANDLING OF INJURY CLAIMS. WE PROMOTE RELATIONSHIPS WITHIN THESE INDUSTRIES, AND PROVIDE SCHOLARSHIPS TO HELP POSITIVELY AFFECT THE FUTURE GENERATION OF THOSE WHO ARE PART OF THIS ASSOCIATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1HOSTING MONTHLY MEMBERSHIP MEETING FOR NETWORKING OPPORTUNITIES AND SUPPORT WITHIN THE INSURANCE INDUSTRY, PARTICIPATION IN VENDOR EXPO FOR EDUCATIONAL AND NETWORKING PURPOSES, AND THE HOSTING OF GOLF OUTINGS TO PROMOTE NETWORKING OPPORTUNITIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BANK CHARGES 0 2,004 0 CASINO NIGHT EXPENSE 7,942 0 0 DINNER AND DUES EXPENSE 23,382 0 0 EXPO EXPENSE 11,749 0 0 GOLF EXPENSE 19,073 0 0 SCHOLARSHIP & DONATIONS 7,521 0 0 TOTAL 69,667 2,004 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART IX, LINE 11G
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IRS990/TotalGrossUBIAmt00
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IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd048734
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0HTTP://WWW.SVAAMI.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MATTHEW KLINSKI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09897916358
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SAGINAW VALLEY ADJUSTERS
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0SAGI
ReturnHeader/Filer/EIN0464937460
ReturnHeader/Filer/PhoneNum09897916358
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 8
ReturnHeader/Filer/USAddress/CityNm0FRANKENMUTH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd048734
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0471187654
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0HOERNER & GEER CPAS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0150 W BROAD ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHESANING
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd048616
ReturnHeader/PreparerPersonGrp/PhoneNum09898453232
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RYAN S HOERNER
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-02-03T11:42:17-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-09-01
ReturnHeader/TaxPeriodEndDt02025-08-31
ReturnHeader/TaxYr02024

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