Liabilities / Assets
59th percentile
Tied with the lowest-debt nonprofits in its peer group.
Encounter Charlevoix
EIN 88-2778476 • 501(c)3 • Charlevoix, MI
Profile
To teach, equip, and activate disciples to demonstrate the love of god through the power of the holy spirit using faith based instruction.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.00x
Liabilities / Revenue
61st percentile
Tied with the lowest-debt nonprofits in its peer group.
Net Margin
8th percentile
Higher net margin than 8% of similar nonprofits.
Top Officer Pay
84th percentile
Higher top officer pay than 84% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
96th percentile
Faster asset growth than 96% of similar nonprofits.
Revenue Growth
19th percentile
Faster revenue growth than 19% of similar nonprofits.
Balance Sheet
Assets
Up$411,527
Up $365,789 (+800%) from 2023
Liabilities
Flat$0
Flat from 2023
Net Assets
Up$411,527
Up $365,789 (+800%) from 2023
Revenue
Down$25,664
Down $57,116 (-69%) from 2023
Expenses
Up$55,509
Up $18,467 (+50%) from 2023
Net Income
Down-$29,845
Down $75,583 (-165%) from 2023
Trend Graphs
Filings
Most recent year
2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $411,527
- Liabilities
- $0
- Net assets
- $411,527
- Revenue
- $25,664
- Expenses
- $55,509
- Net income
- -$29,845
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jul 1, 2024 to Jun 30, 2025
- Signed
- Oct 28, 2025
- Return Version
- 2024v5.2
- Gross Receipts
- $25,664
Mission and Program Overview
Mission
To teach, equip, and activate disciples to demonstrate the love of god through the power of the holy spirit using faith based instruction.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| PROVIDE INSTRUCTION AND CURRICULM THROUGH A CLASSROOM ENVIRONMENT. | $0 | $55,509 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| KERRY KEYSER | Director | PT | $0 | - | - |
| FR PETER WIGTON | Chaplain & Advisor | - | $0 | - | - |
| JEFF CRANE | Leadership Team | PT | $0 | - | - |
| STEPHEN TILLOTSON | Leadership Team | PT | $0 | - | - |
| VICKI LARAE STEVENS | Blossom Consulting | PT | $0 | - | - |
| BEN MACKS | Social Media | - | $0 | - | - |
| JOHN KEYSER | Director | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Encounter Charlevoix
- EIN
- 88-2778476
- Phone
- 6305080510
- Address
- 219 WHITTIER AVE, CHARLEVOIX, MI 49720
Signing Officer
- Name
- Kerry Keyser
- Title
- Exec Director
- Phone
- 6305080510
- Signed
- 2025-10-28
- Discuss with paid preparer
- No
Preparer
- Firm
- William R Kanine Pc
- Address
- 405 N DIVISION ROAD STE 1, PETOSKEY, MI 49770
- Preparer
- Joseph a Kanine
- Phone
- 2313487900
Supplemental Narrative
Additional Explanations
Form 990-ez, Part I, Line 8 - Other Revenue
“Description: charlevoix state bank. Amount: 59. Total to form 990-ez, line 14: 19,201.”
Form 990-ez, Part I, Line 14
“Description: depreciation. Amount: 10,076. Description: other expenses. Amount: 9,125.”
Form 990-ez, Part I, Line 16 - Other Expenses
“Description: advertising & promotions. Amount: 259. Description: contract labor. Amount: 23,800. Description: dues & subscriptions. Amount: 251. Description: fees. Amount: 3,725. Description: insurance. Amount: 367. Description: office expense. Amount: 2,341. Description: supplies. Amount: 5,565. Total to form 990-ez, line 16: 36,308.”
Raw XML Appendix176 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/ActivitiesNotPreviouslyRptInd | 0 | 0 |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | KERRY KEYSER |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 6305080510 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 219 WHITTIER AVE |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | CHARLEVOIX |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 49720 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 65396 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 32649 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 2890 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | -29845 |
| IRS990EZ/FiledScheduleAInd | 0 | 1 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 441372 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 411527 |
| IRS990EZ/GrossReceiptsAmt | 0 | 25664 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/LandAndBuildingsGrp/BOYAmt | 0 | 375976 |
| IRS990EZ/LandAndBuildingsGrp/EOYAmt | 0 | 378878 |
| IRS990EZ/LobbyingActivitiesInd | 0 | 0 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 441372 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 411527 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 441372 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 411527 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 19201 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 30.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 10.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 15.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 10.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 4.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | KERRY KEYSER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | FR PETER WIGTON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | JEFF CRANE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | STEPHEN TILLOTSON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | VICKI LARAE STEVENS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | BEN MACKS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | JOHN KEYSER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | CHAPLAIN & ADVISOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | LEADERSHIP TEAM |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | LEADERSHIP TEAM |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | BLOSSOM CONSULTING |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | SOCIAL MEDIA |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | DIRECTOR |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 36308 |
| IRS990EZ/OtherRevenueTotalAmt | 0 | 59 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | TO TEACH, EQUIP, AND ACTIVATE DISCIPLES TO DEMONSTRATE THE LOVE OF GOD THROUGH THE POWER OF THE HOLY SPIRIT USING FAITH BASED INSTRUCTION. |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 22715 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | PROVIDE INSTRUCTION AND CURRICULM THROUGH A CLASSROOM ENVIRONMENT. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 55509 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SchoolOperatingInd | 0 | 0 |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 0 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TaxImposedOnOrganizationMgrAmt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4911Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4912Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4955Amt | 0 | 0 |
| IRS990EZ/TaxReimbursedByOrganizationAmt | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 55509 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 55509 |
| IRS990EZ/TotalRevenueAmt | 0 | 25664 |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | 0 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | WWW.ENCOUNTERSCHOOL.ORG |
| IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt | 0 | 2890 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt | 0 | 431806 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 80422 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt | 0 | 515118 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt | 0 | 59 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 58 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 117 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 22715 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 9053 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt | 0 | 2358 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 34126 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt | 0 | 59 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt | 0 | 58 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 117 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.00020 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.00010 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 0.99980 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 0.99990 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 549244 |
| IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 25605 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 440859 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 82780 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 549244 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 25664 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 440917 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 82780 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 549361 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DESCRIPTION: CHARLEVOIX STATE BANK. AMOUNT: 59. TOTAL TO FORM 990-EZ, LINE 14: 19,201. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: DEPRECIATION. AMOUNT: 10,076. DESCRIPTION: OTHER EXPENSES. AMOUNT: 9,125. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | DESCRIPTION: ADVERTISING & PROMOTIONS. AMOUNT: 259. DESCRIPTION: CONTRACT LABOR. AMOUNT: 23,800. DESCRIPTION: DUES & SUBSCRIPTIONS. AMOUNT: 251. DESCRIPTION: FEES. AMOUNT: 3,725. DESCRIPTION: INSURANCE. AMOUNT: 367. DESCRIPTION: OFFICE EXPENSE. AMOUNT: 2,341. DESCRIPTION: SUPPLIES. AMOUNT: 5,565. TOTAL TO FORM 990-EZ, LINE 16: 36,308. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 14 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 0 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | KERRY KEYSER |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | EXEC DIRECTOR |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 6305080510 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-10-28 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | ENCOUNTER CHARLEVOIX |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | ENCO |
| ReturnHeader/Filer/EIN | 0 | 882778476 |
| ReturnHeader/Filer/PhoneNum | 0 | 6305080510 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 219 WHITTIER AVE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CHARLEVOIX |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 49720 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | 1 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 383300148 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | WILLIAM R KANINE PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 405 N DIVISION ROAD STE 1 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | PETOSKEY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 49770 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 2313487900 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-10-28 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JOSEPH A KANINE |
| ReturnHeader/ReturnTs | 0 | 2025-11-07T15:34:04-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-07-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2025-06-30 |
| ReturnHeader/TaxYr | 0 | 2024 |
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