Otsego Community Foundation

Nonprofit profile at a glance

EIN
383216235
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Gaylord, MI, USA
Phone
9897310597
Rating
81
Verdict
STRONG
Rating confidence
Moderate
Sector
Community Foundations

Official website

Reported finances

Revenue
$3,563,190
Expenses
$1,213,031
Assets
$15,254,603
Liabilities
$1,797,535

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

16 people listed

Executive titles in this filing

  • DANA BENSINGER (EXECUTIVE DIRECTOR)

Highest reported compensation

  • DANA BENSINGER (EXECUTIVE DIRECTOR): $75,220 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Activate generosity for a strong community. This is done by building endowments, awarding grants and convening leaders.

What it reported doing in 2025

The disaster response fund (drf) of the foundation was established to provide a centralized opportunity for donors to invest in disaster relief efforts and a support mechanism for nonprofit organizations responding to crisis. The foundation's goal is to work collaboratively with the nonprofit, government, philanthropic and private sectors to accelerate recovery for a thriving, resilient, and even stronger gaylord.the drf awards grants to organizations that are addressing immediate relief, short-term recovery, and long-term rebuilding. Our local nonprofits continue to demonstrate incredible resilience, ingenuity, and tenacity as they increase and adapt their programs to meet the needs heightened by the disasters.

Operating model

Revenue model
Donor-supported. 84% of the money available for current operations came from contributions and gifts.
Distribution model
Grant intermediary. The nonprofit sent 71% of its reported program spending out as grants.
  • Includes noncash contributions: Reported contributions include donated property or goods.

The verdict

STRONG - A large share of total spending goes to programs and the filed numbers largely add up. A relatively small share of available resources goes toward mission work and some filed totals do not add up.

Rating breakdown

  • Financial Efficiency: 65
  • Transparency & Controls: 86
  • Accountability: 100
  • Sustainability: 82
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 44.5%; rating input score 45
  • Program expense ratio: 89.7%; rating input score 90
  • Fundraising efficiency: $167.87 raised per $1 spent on fundraising; rating input score 91; 91st percentile among comparable filings

Transparency & Controls

  • Consistency checks: 94.1%; rating input score 94; 23rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 82.7%; rating input score 83; 28th percentile among comparable filings
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
  • Governance controls: 8 of 8 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 66%; rating input score 95; 95th percentile among comparable filings
  • Total-asset coverage ratio: 12.58; rating input score 90; 90th percentile among comparable filings
  • Liabilities to assets ratio: 0.12; rating input score 45; 45th percentile among comparable filings
  • Officer compensation ratio: 6.2%; rating input score 49; 49th percentile among comparable filings

Growth

  • Program expense growth: 19.7% per year; rating input score 100; 83rd percentile among comparable filings
  • Revenue growth: 17.2% per year; rating input score 100; 83rd percentile among comparable filings
  • Asset growth: 10.8% per year; rating input score 100; 61st percentile among comparable filings

Details

  • Where the money goes: 44.5% of revenue deployed · 89.7% of spending went to programs
  • Governance: 15 of 15 board members independent · 8 of 8 filing controls reported
  • Programs: 3 filed program accomplishments · $1.1M in reported program spending
  • Leadership: top reported pay $75K · 16 people listed
  • Consistency: 34 of 35 current checks pass · 1 finding to review
  • Schedules: 8 filed schedules · includes major donors and grants
  • Filing history: 15 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 33 filed money-flow records
  • Related organizations: 31 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 — Financial Efficiency: Mission deployment rate scored 45/100.
  • Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
  • Moderate — Sustainability: Liabilities to assets ratio scored 45/100.
  • Moderate — Sustainability: Officer compensation ratio scored 49/100.