NORTHWEST MICHIGAN COMMUNITY ACTION

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1973

Legal Domicile

Principal Officer

KERRY BAUGHMAN

Phone

2319473780

Tax Period

2023-10-01 to 2024-09-30

NORTHWEST MICHIGAN COMMUNITY ACTION, founded in 1973, is a mid-sized nonprofit in the Human Services sector that reported $27.4M in total revenue in fiscal year 2023.

Mission

THE ORGANIZATION'S MISSION IS TO FOSTER POSITIVE CHANGE BY PROVIDING OPPORTUNITIES THAT PROMOTE SELF-SUFFICIENCY, IMPROVING THE QUALITY OF LIFE AND BUILDING STRONGER, MORE CONNECTED COMMUNITITES. NORTHWEST MICHIGAN COMMUNITY ACTION AGENCY, INC. FULFILLS THIS MISSION BY DEVELOPING AND PROVIDING RESOURCES FOR THE PURPOSE OF ASSISTING LOW-INCOME INDIVIDUALS THROUGH A VARIETY OF PROGRAMS IN ANTRIM, BENZIE, CHARLEVOIX, EMMET, GRAND TRAVERSE, KALKASKA, LEELANAU, MISSAUKEE, ROSCOMMON, AND WEXFORD COUNTIES IN MICHIGAN.

Program Service Accomplishments

Program 1

Expenses: $14,384,799 Revenue: $4,878

CHILD EDUCATION -PROVIDES COMPREHENSIVE DEVELOPMENT SERVICES FOR LOW INCOME CHILDREN AGES 0 TO GRADE 5 AND THEIR FAMILIES THROUGH EDUCATION, HEALTH, NUTRITION, AND PARENT INVOLVEMENT. TOTAL CHILDREN...

Program 2

Expenses: $4,973,918 Revenue: $122,334

HOUSING PROGRAM - PROGRAMS INCLUDE HOME REPAIR FOR LOW TO MODERATE INCOME HOMEOWNERS, GUIDANCE AND ONE TIME CASH ASSISTANCE TO RENTERS FACING EVICTION, EMERGENCY HOUSING MOTEL PLACEMENT (COVID)...

HOUSING PROGRAM - PROGRAMS INCLUDE HOME REPAIR FOR LOW TO MODERATE INCOME HOMEOWNERS, GUIDANCE AND ONE TIME CASH ASSISTANCE TO RENTERS FACING EVICTION, EMERGENCY HOUSING MOTEL PLACEMENT (COVID); GUIDANCE FOR LANDLORD AND TENANT DISPUTES, GUIDANCE, ONE TIME CASH ASSISTANCE, AND RENTAL ASSISTANCE TO HELP ESTABLISH PERMANENT HOUSING FOR THOSE WITHOUT A HOME INCLUDING YOUTH, VETERANS, AND SUPPORTIVE HOUSING POPULATIONS; INFORMATION ON LOW-INCOME RENTAL HOUSING, LANDLORDS, AND BUDGET ANALYSIS FOR INDIVIDUALS SEEKING A PLACE TO RENT, ASSISTANCE TO IMPROVE THE HOUSING STABILITY OF VETERAN FAMILIES INCLUDING RENTAL, UTILITY, TRANSPORTATION, CHILD CARE, MOVING COSTS, AND EMERGENCY SUPPLIES ASSISTANCE, AND HOUSING DEVELOPMENT WITH PARTNER COMMUNITIES TO DEVELOP NEW HOUSING OPPORTUNITIES FOR RENTERS AND HOME BUYERS. TOTAL HOUSEHOLDS RECEIVING PROGRAM SERVICES IS 1,768.

Program 3

Expenses: $2,109,631 Revenue: $0

FOOD PROGRAMS - INCLUDES THE EMERGENCY FOOD ASSISTANCE PROGRAM THAT HELPS SUPPLEMENT THE DIETS OF LOW-INCOME NEEDY PEOPLE, INCLUDING THE ELDERLY, BY PROVIDING THEM WITH EMERGENCY FOOD AND NUTRITION ASSISTANCE AT NO COST. COMMODITY SUPPLEMENTAL FOOD PROGRAM IS A NUTRITION EDUCATION PROGRAM THAT PROVIDES SUPPLEMENTAL FOODS WHICH HELP PROMOTE GOOD HEALTH FOR ELIGIBLE CLIENTS 60 YEARS OF AGE AND OLDER. TOTAL HOUSEHOLDS RECEIVING PROGRAM SERVICES IS 6,469.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $26,999,196

Program Service Revenue $312,578

Investment Income $40,981

Other Revenue $58,353

TOTAL REVENUE $27,411,108

Expense Breakdown

Grants Paid $7,216,879

Salaries & Benefits $15,170,977

Fundraising Expenses $297,418

Program Expenses $25,551,865

Other Expenses $4,710,603

TOTAL EXPENSES $27,098,459

Year-over-Year Comparison

	2023	2022	Change
Revenue	$27,411,108	$26,512,996	+0.0%
Expenses	$27,098,459	$26,151,984	+0.0%
Net Income	$312,649	$361,012	-0.1%

Key Indicators

✓ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

425

Volunteers

1700

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$200,427

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAROLYN RENTENBACH	VICE CHAIRPERSON	1.00	Officer Director	$0	$0	$0
REV GERALD COOK	NORTHERN SECTOR REP.	1.00	Officer Director	$0	$0	$0
ART JEANNOT	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
PAM NIEBRZYDOWSKI	SOUTHERN SECTOR REP.	1.00	Officer Director	$0	$0	$0
GRACE RONKAITIS	CENTRAL SECTOR REP.	1.00	Officer Director	$0	$0	$0
DAVID ANOLICK	TREASURER	1.00	Officer Director	$0	$0	$0
GWEN ALLGAIER	DIRECTOR	1.00	Director	$0	$0	$0
ANTHONY ANSORGE	DIRECTOR	1.00	Director	$0	$0	$0
TRUMAN BICUM	DIRECTOR	1.00	Director	$0	$0	$0
DEBBIE BISHOP	DIRECTOR	1.00	Director	$0	$0	$0
KATHLEEN BYERS	DIRECTOR	1.00	Director	$0	$0	$0
MELANIE CHANEY	DIRECTOR	1.00	Director	$0	$0	$0
JOSHUA CHAMBERLAIN	DIRECTOR	1.00	Director	$0	$0	$0
BLAIR COLE	DIRECTOR	1.00	Director	$0	$0	$0
CHUCK CORWIN	DIRECTOR	1.00	Director	$0	$0	$0
SAM GETSINGSER	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM HEFFERAN	DIRECTOR	1.00	Director	$0	$0	$0
BRANDY KEENEY	DIRECTOR	1.00	Director	$0	$0	$0
JAMIE KRAMER	DIRECTOR (THRU 12/2023)	1.00	Director	$0	$0	$0
EVELYN MACIHA	DIRECTOR	1.00	Director	$0	$0	$0
MARC MILBURN	DIRECTOR	1.00	Director	$0	$0	$0
BETHANY PARENT	DIRECTOR	1.00	Director	$0	$0	$0
MARNA ROBERTSON	DIRECTOR	1.00	Director	$0	$0	$0
TONYA SCHROKA	DIRECTOR (THRU 01/2024)	1.00	Director	$0	$0	$0
KYRA SUMMERS	DIRECTOR	1.00	Director	$0	$0	$0
ASHLEA WALTER	DIRECTOR	1.00	Director	$0	$0	$0
LINDSEY WALKER	DIRECTOR	1.00	Director	$0	$0	$0
KERRY BAUGHMAN	EXECUTIVE DIRECTOR	40.00	Officer	$105,996	$449	$106,445
MEREDITH GAFILL	CONTROLLER	40.00	Officer	$91,112	$2,870	$93,982

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$27,411,108	$27,098,459	$9,788,574	$312,649
2023	$26,512,996	$26,151,984	$9,322,853	$361,012
2022	$33,445,332	$32,683,900	$8,069,550	$761,432
2021	$29,151,341	$28,500,777	$6,926,951	$650,564
2020	$23,117,951	$21,798,353	$6,423,839	$1,319,598
2019	$19,765,148	$19,270,616	$5,444,370	$494,532
2018	$19,659,510	$19,801,260	$5,200,047	$-141,750