Chippewa-luce-mackinac Community Action Human Resource Authorityinc
Nonprofit profile at a glance
- EIN
- 381798626
- IRS 990 coverage
- 2011–2024
- Forms available
- Form 990 2024
- Location
- Sault Ste Marie, MI, USA
- Phone
- 9066323363
- Rating
- 84
- Verdict
- STRONG
- Rating confidence
- Moderate
Reported finances
- Revenue
- $13,116,567
- Expenses
- $12,986,707
- Assets
- $6,486,567
- Liabilities
- $1,971,302
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
17 people listed
Highest reported compensation
- JOE NOLAN (EXECUTIVE DI): $111,912 total reported compensation
- KAREN GREGG (FINANCE DIRE): $36,293 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The purpose of this corporation is to mobilize and utilize resources, public and private, in the chippewa, luce and mackinac county area in an attack on poverty; to provide decent housing that is affordable to low- income and moderate-income persons; to provide services, assistance and other activities of sufficient size and scope to give promise to program toward elimination of poverty, or its cause, through developing employment opportunities, improving human performance, motivation, and productivity, or bettering the conditions under which people live, learn and work, and which is developed and administered with the maximum feasible participation of residents of the area as members of the group served.
What it reported doing in 2024
Housing & community development: administers programs to residents in a three county region, including housing rehabilitation and homebuyer assistance programs. Energy crisis: assisted low income people n meeting the costs of home energy, defined as heating and cooling of residences, to increase their energy self-sufficiency and reduce their vulnerability resulting from energy needs. Community services: coordination of day to day efforts of the organization, including food distribution, housing, senior services and outreach activities. Property management and pland fund: rents office space to tenants in the avery square building and accounts for the assets, debt and equipment expenses related to its administration and program buildings in sault ste. Marie, st. Ignace, and newberry, Michigan
Operating model
- Revenue model
- Grant-funded. 87% of the money available for current operations came from government grants.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.
Rating breakdown
- Financial Efficiency: 81
- Transparency & Controls: 86
- Accountability: 95
- Sustainability: 38
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 90.6%; rating input score 91
- Program expense ratio: 91.4%; rating input score 91
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 92.9%; rating input score 93; 10th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 66th percentile among comparable filings
- Governance controls: 7 of 8 controls in place; rating input score 88
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: NotApplicable
- Other executive compensation review process: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 1%; rating input score 38; 38th percentile among comparable filings
- Total-asset coverage ratio: 0.5; rating input score 16; 16th percentile among comparable filings
- Liabilities to assets ratio: 0.3; rating input score 46; 46th percentile among comparable filings
- Officer compensation ratio: 1.1%; rating input score 84; 84th percentile among comparable filings
Growth
- Program expense growth: 5.7% per year; rating input score 100; 47th percentile among comparable filings
- Revenue growth: 4.5% per year; rating input score 100; 39th percentile among comparable filings
- Asset growth: 1.4% per year; rating input score 100; 15th percentile among comparable filings
Details
- Where the money goes: 90.6% of revenue deployed · 91.4% of spending went to programs
- Governance: 15 of 15 board members independent · 7 of 8 filing controls reported
- Programs: 4 filed program accomplishments · $11.9M in reported program spending
- Leadership: top reported pay $112K · 17 people listed
- Consistency: 25 of 26 current checks pass · 1 finding to review
- Schedules: 5 filed schedules · includes major donors
- Filing history: 14 filing years from 2011 to 2024
- Contacts: How to reach this organization
- Money network: 2 filed money-flow records
- Related organizations: 7 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Sustainability: Operating margin scored 38/100.
- High — Sustainability: Total-asset coverage ratio scored 16/100.
- Review — Accountability: Governance controls: Form 990 shared with the board not reported.
- Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.
- Moderate — Sustainability: Liabilities to assets ratio scored 46/100.