St Joseph Community Co Op Inc
St Joseph Community Co Op Inc consistently operates with over $1 million in annual revenue and reports no officer compensation.
EIN: 204280955 · Sturgis, MI · NTEE: J30 · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $843K |
| Total Expenses | $1.2M |
| Program Spending | 90% |
| CEO/Top Officer Pay | $1 |
| Net Assets | $648K |
| Transparency Score | 92/100 |
Is St Joseph Community Co Op Inc Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
St Joseph Community Co Op Inc directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About St Joseph Community Co Op Inc
St Joseph Community Co Op Inc (EIN: 204280955) is a nonprofit organization based in Sturgis, MI, classified under NTEE code J30. The organization reported total revenue of $843K and total assets of $595K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of St Joseph Community Co Op Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
St Joseph Community Co Op Inc is a small nonprofit that has been operating for 20 years, with 14 years of IRS 990 filings on record (2011–2024). Revenue has grown at a compound annual rate of 17.5%.
Key Financial Metrics (2024)
From the most recent IRS 990 filing on record:
| Total Revenue | $1.2M |
| Total Expenses | $1.2M |
| Surplus / Deficit | $-47,019 |
| Total Assets | $745K |
| Total Liabilities | $96K |
| Net Assets | $648K |
| Operating Margin | -3.9% |
| Debt-to-Asset Ratio | 12.9% |
| Months of Reserves | 7.2 months |
Financial Health Grade: B
In 2024, St Joseph Community Co Op Inc reported a deficit of $47K with expenses exceeding revenue, holds 7.2 months of operating reserves (strong position), has a debt-to-asset ratio of 12.9% (very low leverage).
Financial Trends
Over 14 years of filings (2011–2024), St Joseph Community Co Op Inc's revenue has grown at a compound annual growth rate (CAGR) of 17.5%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2024 | -13.0% | -7.8% | -8.8% |
| 2023 | +15.3% | +9.5% | +1.0% |
| 2022 | +0.4% | +4.2% | -4.4% |
| 2021 | -17.8% | -1.3% | +0.1% |
| 2020 | -2.8% | -14.3% | +62.9% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2006 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates St Joseph Community Co Op Inc with a Mission Score of 92 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 7%
- programs: 90%
- fundraising: 3%
According to IRS 990 filings, St Joseph Community Co Op Inc allocates its expenses as follows: admin: 7%, programs: 90%, fundraising: 3%. With 90% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2024)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $47K, with expenses exceeding revenue.
- Debt-to-asset ratio: 12.9%.
Executive Compensation Analysis
Executive compensation is reported as 0% across all available filings, indicating that no officers or key employees receive compensation, which is highly unusual for an organization of this size with over $1 million in annual revenue.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of St Joseph Community Co Op Inc's IRS 990 filings:
- No specific red flags identified based on the provided financial data.
Strengths
The following positive indicators were identified for St Joseph Community Co Op Inc:
- Consistent annual revenue exceeding $1 million.
- Reported 0% officer compensation, indicating high efficiency in executive spending.
- Growth in assets over the past decade, from $150,424 in 2015 to $744,557 in 2024.
- Consistent filing of IRS 990 forms, demonstrating transparency.
Frequently Asked Questions about St Joseph Community Co Op Inc
Is St Joseph Community Co Op Inc a legitimate charity?
Based on AI analysis of IRS 990 filings, St Joseph Community Co Op Inc (EIN: 204280955) some concerns. Mission Score: 92/100. 1 red flag identified, 4 strengths noted.
How does St Joseph Community Co Op Inc spend its money?
St Joseph Community Co Op Inc directs 90% of its spending to programs and services. The remaining budget covers administration and fundraising costs.
Are donations to St Joseph Community Co Op Inc tax-deductible?
St Joseph Community Co Op Inc is registered as a tax-exempt nonprofit (EIN: 204280955). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How much does the St Joseph Community Co Op Inc CEO make?
St Joseph Community Co Op Inc's highest-compensated officer earns $1 annually. The organization reported $843K in total revenue. Executive compensation data is disclosed in IRS 990 filings.
What percentage of St Joseph Community Co Op Inc's spending goes to programs?
St Joseph Community Co Op Inc directs 90% to programs, 3% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
How does St Joseph Community Co Op Inc compare to similar nonprofits?
With a transparency score of 92/100 (Excellent), St Joseph Community Co Op Inc is above average for NTEE category J30 nonprofits. The score reflects financial transparency, program spending efficiency, and governance quality based on IRS 990 data.
Where is St Joseph Community Co Op Inc located?
St Joseph Community Co Op Inc is headquartered in Sturgis, Michigan and files with the IRS under EIN 204280955. It is classified under NTEE code J30.
How many years of IRS 990 filings does St Joseph Community Co Op Inc have?
St Joseph Community Co Op Inc has 14 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $843K in total revenue.
Is St Joseph Community Co Op Inc a good charity?
Based on the available data, St Joseph Community Co Op Inc appears to be a very good charity. Their consistent financial operations, growth in assets, and critically, the reported 0% officer compensation, suggest a strong commitment to directing resources towards their mission rather than administrative overhead or executive salaries.
How has the organization's financial health changed over time?
The organization has shown consistent revenue generation, generally above $1 million annually since 2016. Assets have grown significantly from $150,424 in 2015 to $744,557 in 2024, indicating improving financial health and capacity.
What is the significance of 0% officer compensation?
The 0% officer compensation is highly significant as it means that no funds are being used to pay the organization's top executives. This practice allows a greater proportion of revenue to be allocated directly to program services, enhancing spending efficiency and demonstrating a strong volunteer-driven ethos at the leadership level.
Filing History
IRS 990 filing history for St Joseph Community Co Op Inc showing financial trends over 14 years of public records:
Over 14 years of IRS 990 filings (2011–2024), St Joseph Community Co Op Inc's revenue has grown by 716.2%, moving from $147K to $1.2M. Total assets increased by 1766.5% over the same period, from $40K to $745K. Total functional expenses rose by 715.7%, from $153K to $1.2M. In its most recent filing year (2024), St Joseph Community Co Op Inc reported a deficit of $47K, with expenses exceeding revenue. The organization holds $96K in liabilities against $745K in assets (debt-to-asset ratio: 12.9%), resulting in net assets of $648K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2024 | $1.2M | $1.2M | $745K | $96K | — | View 990 |
| 2023 | $1.4M | $1.4M | $816K | $121K | — | View 990 |
| 2022 | $1.2M | $1.2M | $808K | $139K | — | View 990 |
| 2021 | $1.2M | $1.2M | $845K | $138K | — | View 990 |
| 2020 | $1.4M | $1.2M | $844K | $144K | — | View 990 |
| 2019 | $1.5M | $1.4M | $518K | $67K | — | View 990 |
| 2018 | $1.2M | $1.2M | $446K | $85K | — | View 990 |
| 2017 | $1.3M | $1.2M | $371K | $2K | — | View 990 |
| 2016 | $1.2M | $971K | $276K | $9K | — | View 990 |
| 2015 | $504K | $532K | $150K | $108K | — | View 990 |
| 2014 | $765K | $554K | $164K | $94K | — | View 990 |
| 2013 | $302K | $318K | $60K | $191K | — | View 990 |
| 2012 | $220K | $239K | $49K | $169K | — | — |
| 2011 | $147K | $153K | $40K | $141K | — | View 990 |
Year-by-Year Financial Summary
- 2024: Revenue of $1.2M, expenses of $1.2M, and assets of $745K (revenue -13.0% year-over-year).
- 2023: Revenue of $1.4M, expenses of $1.4M, and assets of $816K (revenue +15.3% year-over-year).
- 2022: Revenue of $1.2M, expenses of $1.2M, and assets of $808K (revenue +0.4% year-over-year).
- 2021: Revenue of $1.2M, expenses of $1.2M, and assets of $845K (revenue -17.8% year-over-year).
- 2020: Revenue of $1.4M, expenses of $1.2M, and assets of $844K (revenue -2.8% year-over-year).
- 2019: Revenue of $1.5M, expenses of $1.4M, and assets of $518K (revenue +29.5% year-over-year).
- 2018: Revenue of $1.2M, expenses of $1.2M, and assets of $446K (revenue -8.7% year-over-year).
- 2017: Revenue of $1.3M, expenses of $1.2M, and assets of $371K (revenue +5.5% year-over-year).
- 2016: Revenue of $1.2M, expenses of $971K, and assets of $276K (revenue +136.7% year-over-year).
- 2015: Revenue of $504K, expenses of $532K, and assets of $150K (revenue -34.1% year-over-year).
- 2014: Revenue of $765K, expenses of $554K, and assets of $164K (revenue +153.4% year-over-year).
- 2013: Revenue of $302K, expenses of $318K, and assets of $60K (revenue +37.2% year-over-year).
- 2012: Revenue of $220K, expenses of $239K, and assets of $49K (revenue +49.8% year-over-year).
- 2011: Revenue of $147K, expenses of $153K, and assets of $40K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for St Joseph Community Co Op Inc:
Data Sources and Methodology
This transparency report for St Joseph Community Co Op Inc is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.