Mission: Junior Achievement of the Michigan Great Lakes (JAMGL) exists to inspire and prepare young people to succeed in a global economy. We are part of Junior Achievement W ... (More)

Junior Achievement of the Michigan Great Lakes is a 501(c)(3) organization, with an IRS ruling year of 1994, and donations may or may not be tax-deductible.

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Contact Information

  https://michigangreatlakes.ja.org

 4090 Lake Dr. SE
Grand Rapids MI 49546 

  616-575-9080


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Star Rating System by Charity Navigator


Charity Navigator evaluates a nonprofit organization’s financial health including measures of stability, efficiency and sustainability. We also track accountability and transparency policies to ensure the good governance and integrity of the organization.




Exceptional

This charity's score is 96.07, earning it a 4-Star rating. Donors can "Give with Confidence" to this charity. 

This score is calculated from two sub-scores:

This score represents Form 990 data from 2020, the latest year published by the IRS.

View this organization’s historical ratings.


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Star Rated Report

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Program Expense

Program Expense Ratio

80.3%


The Program Expense Ratio is determined by Program Expenses divided by Total Expense (average of most recent three 990s).


This measure reflects the percent of its total expenses a charity spends on the programs and services it exists to deliver. Dividing a charity's average program expenses by its average total functional expenses yields this percentage. We calculate the charity's average expenses over its three most recent fiscal years.


Source: IRS Form 990

Administrative Expenses

9.0%


As reported by charities on their IRS Form 990, this measure reflects what percent of its total budget a charity spends on overhead, administrative staff and associated costs, and organizational meetings. Dividing a charity's average administrative expenses by its average total functional expenses yields this percentage. We calculate the charity's average expenses over its three most recent fiscal years.


Source: IRS Form 990

Fundraising Expenses

10.5%


This measure reflects what a charity spends to raise money. Fundraising expenses can include campaign printing, publicity, mailing, and staffing and costs incurred in soliciting donations, memberships, and grants. Dividing a charity's average fundraising expenses by its average total functional expenses yields this percentage. We calculate the charity's average expenses over its three most recent fiscal years.


Source: IRS Form 990

Liabilities to Assets Ratio

4.0%


The Liabilities to Assets Ratio is determined by Total Liabilities divided by Total Assets (most recent 990).


Part of our goal in rating the financial performance of charities is to help donors assess the financial capacity and sustainability of a charity. As do organizations in other sectors, charities must be mindful of their management of total liabilites in relation to their total assets. This ratio is an indicator of an organization’s solvency and or long term sustainability. Dividing a charity's total liabilities by its total assets yields this percentage.


Source: IRS Form 990

Fundraising Efficiency

$0.06


The amount spent to raise $1 in charitable contributions. To calculate a charity's fundraising efficiency, we divide its average fundraising expenses by the average total contributions it receives. We calculate the charity's average expenses and average contributions over its three most recent fiscal years.


Source: IRS Form 990

Working Capital Ratio

5.89 years


Determines how long a charity could sustain its level of spending using its net available assets, or working capital, as reported on its most recently filed Form 990. We include in a charity's working capital unrestricted and temporarily restricted net assets, and exclude permanently restricted net assets. Dividing these net available assets in the most recent year by a charity's average total expenses, yields the working capital ratio. We calculate the charity's average total expenses over its three most recent fiscal years.


Source: IRS Form 990

Program Expense Growth

9.97%


We compute the average annual growth of program expenses using the following formula: [(Yn/Y0)(1/n)]-1, where Y0 is a charity's program expenses in the first year of the interval analyzed, Yn is the charity's program expenses in the most recent year, and n is the interval of years passed between Y0 and Yn.


Source: IRS Form 990

Governance


Charity Navigator looks to confirm on the Form 990 that the organization has these governance practices in place.


Sources Include: IRS Form 990

Governance:
Independent Voting Board Members  ... (More)
No Material Diversion of Assets ... (More)

A diversion of assets – any unauthorized conversion or use of the organization's assets other than for the organization's authorized purposes, including but not limited to embezzlement or theft – can seriously call into question a charity's financial integrity. We check the charity's last two Forms 990 to see if the charity has reported any diversion of assets. If the charity does report a diversion, then we check to see if it complied with the Form 990 instructions by describing what happened and its corrective action. This metric will be assigned to one of the following categories:

  • Full Credit: There has been no diversion of assets within the last two years.

  • Partial Credit: There has been a diversion of assets within the last two years and the charity has used Schedule O on the Form 990 to explain: the nature of the diversion, the amount of money or property involved and the corrective action taken to address the matter. In this situation, we deduct 7 points from the charity's Accountability and Transparency score.
  • No Credit: There has been a diversion of assets within the last two years and the charity's explanation on Schedule O is either non-existent or not sufficient. In this case, we deduct 15 points from the charity's Accountability and Transparency score.
(Less)
Audited Financials Prepared by Independent Accountant ... (More)

Audited financial statements provide important information about financial accountability and accuracy. They should be prepared by an independent accountant with oversight from an audit committee. (It is not necessary that the audit committee be a separate committee. Often at smaller charities, it falls within the responsibilities of the finance committee or the executive committee.) The committee provides an important oversight layer between the management of the organization, which is responsible for the financial information reported, and the independent accountant, who reviews the financials and issues an opinion based on its findings. We check the charity's Form 990 reporting to see if it meets this criteria.

  • Full Credit: The charity's audited financials were prepared by an independent accountant with an audit oversight committee.

  • Partial Credit: The charity's audited financials were prepared by an independent accountant, but it did not have an audit oversight committee. In this case, we deduct 7 points from the charity's Accountability and Transparency score.
  • No Credit: The charity did not have its audited financials prepared by an independent accountant. In this case, we deduct 15 points from the charity's Accountability and Transparency score.
(Less)
Does Not Provide Loan(s) to or Receive Loan(s) From Related Parties ... (More)
Documents Board Meeting Minutes ... (More)
Distributes 990 to Board Before Filing ... (More)
Compensates Board ... (More)

Policies


Charity Navigator looks to confirm on the Form 990, or for some metrics on the charity's website, that the organization has these policies in place.


Sources Include: IRS Form 990 and organization's website

Policies:
Conflict of Interest  ... (More)
Whistleblower ... (More)
Records Retention and Destruction ... (More)
CEO Compensation Process ... (More)
Donor Privacy ... (More)

Donors have expressed extreme concern about the use of their personal information by charities and the desire to have this information kept confidential. The exchanging and sale of lists for telemarketing and the mass distribution of "junk mail," among other things, can be minimized if the charity assures the privacy of its donors. Privacy policies are assigned to one of the following categories:

  • Yes: This charity has a written donor privacy policy published on its website, which states unambiguously that (1) it will not share or sell a donor's personal information with anyone else, nor send donor mailings on behalf of other organizations or (2) it will only share or sell personal information once the donor has given the charity specific permission to do so.

  • Opt-out: The charity has a written privacy policy published on its website which enables donors to tell the charity to remove their names and contact information from lists the charity shares or sells. How a donor can have themselves removed from a list differs from one charity to the next, but any and all opt-out policies require donors to take specific action to protect their privacy.
  • No: This charity either does not have a written donor privacy policy in place to protect their contributors' personal information, or the existing policy does not meet our criteria.

The privacy policy must be specific to donor information. A general website policy which references "visitor" or "user" personal information will not suffice. A policy that refers to donor information collected on the website is also not sufficient as the policy must be comprehensive and applicable to both online and offline donors. The existence of a privacy policy of any type does not prohibit the charity itself from contacting the donor for informational, educational, or solicitation purposes.

(Less)

Transparency


Charity Navigator looks to confirm on the Form 990, or for some metrics on the charity's website, that the organization makes this information easily accessible.


Sources Include: IRS Form 990 and organization's website

Transparency:
CEO Salary Listed on 990 ... (More)
Board of Directors Listed on Website ... (More)
Key Staff Listed on Website ... (More)
Audited Financial Statements on Website ... (More)
Form 990 Available on Website ... (More)

Additional Information

Unscored

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Total Revenue and Expenses

Total Revenue and Expenses

This chart displays the trend of revenue and expenses over the past several years for this organization, as reported on their IRS Form 990.

Salary of Key Persons

Presented here are this organizations key compensated staff members as identified by our analysts. This compensation data includes salary, cash bonuses and expense accounts and is displayed exactly how it is reported to the IRS. The amounts do not include nontaxable benefits, deferred compensation, or other amounts not reported on W-2. In some cases, these amounts may include compensation from related organizations. Read the IRS policies for compensation reporting



William Coderre, President

$248,448 (11.98% of Total Expenses)


Source: IRS Form 990 (page 7), filing year 2020

Business Master File Data

Below are some key data points from the Exempt Organization IRS Business Master File (BMF) for this organization. Learn more about the BMF on the IRS website


Activities:

Other school related activities (BMF activity code: 059)

Job training, counseling, or assistance (BMF activity code: 566)

Scholarships (other) (BMF activity code: 040)


Foundation Status:

Organization which receives a substantial part of its support from a governmental unit or the general public   170(b)(1)(A)(vi) (BMF foundation code: 15)


Affiliation:

Subordinate - the organization is a subordinate in a group ruling. (BMF affiliation code: 9)

Data Sources: IRS Forms 990

The Form 990 is a document that nonprofit organizations file with the IRS annually. We leverage finance and accountability data from it to form Encompass ratings. Click here to view this organization's Forms 990 on the IRS website (if any are available).

Pandemic Response

Due to the unprecedented nature of the pandemic, we give charities such as this one the opportunity to share the story of COVID's impact on them. Charities may submit their own pandemic responses through their nonprofit portal.


Junior Achievement of the Michigan Great Lakes reported being impacted by COVID-19 in the following ways:
  • Program Delivery

  • Fundraising Capacity

  • Revenue

  • Staffing

  • Administrative Capacity

  • Grants Received

  • Grants Sent


How COVID-19 impacted the organization's operations financially:

Our organization prepared for a year of uncertain and unreliable funding, as many grant funds transitioned to basic needs COVID-19 response, major funders took a hit financially, and individual giving lulled due to uncertainty of the future. We reduced staff by 40 percent in response to financial difficulties posed by the pandemic. Junior Achievement applied for and received PPP loans and a CARES Act grant which allowed our organization to retain some staff and sustain operations over the pandemic.


How COVID-19 impacted the organization's delivery of programs:

School closures, quarantines, and a lack of in-person volunteer opportunities basically negated JA’s program model of in-person instruction. We responded by developing hybrid and virtual materials that could be used in any distance learning situation. Teachers were under tremendous pressure since the advent of the pandemic to ensure that they could effectively deliver educational content to students. Junior Achievement (JA) was available and by their side offering programming. Throughout the past year and a half, many teachers responded positively to offers for JA programming, however with the added responsibilities and stress that the new educational environment exerted, significantly fewer teachers than normal had the bandwidth to work with our organization to implement JA programs.


How this organization adapted to changing conditions caused by COVID-19:

Within two weeks of the COVID-19 shutdown in 2020, Junior Achievement had online content available at every grade level. We spent the next 8 months refining, revising, and developing programs that could be used in virtually any circumstance schools would find themselves in, whether that be in person, hybrid or virtual. To further meet classroom needs, we made sure our program options included asynchronous as well as synchronous instruction. We developed recorded volunteer sessions for every JA program, which teachers could incorporate as they taught the program themselves. We also offered live remote volunteer opportunities, so volunteers could still directly interact with students safely and effectively. We also shifted our major fundraising and education events to virtual formats and successfully engaged students and fundraisers alike. With staff reductions, our organization adopted a "staff without borders" approach to sustain operations over every part of our footprint.


Innovations the organization intends to continue permanently after the pandemic:

Our organization intends to continue offering virtual and hybrid programming as well as online materials to schools as we move past the pandemic. We intend to continue offering our programs this way to offer a more flexible array of programming options for our education partners. Junior Achievement’s quick response to the need for virtual programming over the pandemic has been recognized on a national level. Junior Achievement has been awarded National Bronze Excellence in learning awards from the Brandon Hall Group for Best Use of Games or Simulations for Learning and Best Advance for Leading Under a Crisis for our work in schools over the pandemic.


Historical Ratings

Date PublishedForm 990 FYEOverall ScoreOverall Rating
Rating Version: 2.1
10/1/20212020 96.07
6/1/20202019 96.01
5/1/20202019 93.68

This organization received multiple star ratings within this fiscal year, due to an update to it's Accountability and Transparency data and/or the receipt of an amended Form 990.

7/1/20192018 94.94
5/1/20182017 91.98
6/1/20172016 90.02
7/1/20162015 89.14
6/1/20162014 87.57
Rating Version: 2.0
9/1/20152014 88.97
4/1/20142013 88.89

...   Impact & Results


This score estimates the actual impact a nonprofit has on the lives of those it serves, and determines whether it is making good use of donor resources to achieve that impact.


Impact & Results Score

Not Currently Scored

Junior Achievement of the Michigan Great Lakes cannot currently be evaluated by our Encompass Rating Impact & Results methodology because either (A) it is eligible, but we have not yet received data; (B) we have not yet developed an algorithm to estimate its programmatic impact; (C) its programs are not direct services; or (D) it is not heavily reliant on contributions from individual donors.

Note: The absence of a score does not indicate a positive or negative assessment, it only indicates that we have not yet evaluated the organization.

Learn more about Impact & Results.

Do you work at Junior Achievement of the Michigan Great Lakes? Join the waitlist for an updated Impact & Results score.


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Additional Information

Unscored

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Largest Programs

Largest Programs



Junior Achievement of the Michigan Great Lakes reported its largest program on its FY 2020 Form 990 as:


$1,719,993

Spent in most recent FY

100%

Percent of program expenses


JUNIOR ACHIEVEMENT PROVIDES BUSINESS EDUCATION TO STUDENTS GRADES K-12 IN OUR FRANCHISE AREA. OVER 63,000 STUDENTS ATTEND THESE CLASSES, AND ARE PROVIDED BUSINESS LEADERSHIP TRAINING.


...   Leadership & Adaptability


This score provides an assessment of the organization's leadership capacity, strategic thinking and planning, and ability to innovate or respond to changes in constituent demand/need or other relevant social and economic conditions to achieve the organization's mission.


Leadership & Adaptability Score

100

out of 100

The score earned by Junior Achievement of the Michigan Great Lakes is a passing score.

Encompass Rating V4 provides an evaluation of the organization's Leadership & Adaptability through the nonprofit organization submitting a survey response directly to Charity Navigator.


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Leadership & Adaptability Report

100

of 100 points

Mission

The nonprofit organization presents evidence of strategic thinking through articulating the organization’s mission


To inspire and prepare young people to succeed in a global economy.


Source: Nonprofit submitted responses

Vision

The nonprofit organization presents evidence of strategic thinking through articulating the organization’s vision.


Prepared young people who are financially literate, work-ready, and entrepreneurial.


Source: Nonprofit submitted responses

Strategic Goals

The nonprofit organization presents evidence of strategic thinking and goal setting through sharing their most important strategic goals.


Goal One: Build up existing relationships with education partners as they re-establish in-person classroom instruction.

Goal Type: Grow, expand, scale or increase access to the existing programs and services.


Goal Two: Complete phases 1 and 2 of the Building Futures…Inspiring Dreams Campaign which will establish the JA Free Enterprise Center and three new learning labs.

Goal Type: New program(s) based on observed changes in needs among our constituencies/communities served.


Goal Three: Return to full staffing plus staff to implement programming in the JA Free Enterprise Center’s three learning labs.

Goal Type: Invest in the capacity of our organization (financial, management, technical, etc.).


Source: Nonprofit submitted responses

Leadership Development

The nonprofit provides evidence of investment in leadership development


Describe an investment in leadership

JA has always been committed to staff training. However, the pandemic has curtailed many in-person conferences and trainings that JA staff would typically attend. JA normally sends senior staff to the JA national conferences: the National Leadership Conference, Development Officers Conference, Education Officers Conference, and more. All JA staff would attend JA regional and state conferences. This year, JA staff attended the JA USA National Leadership Conference and Presidents Round Table online. Staff also regularly attend DEI webinars and other training webinars that they report on to the team on a regular basis. JA’s leadership team encourages and allows staff to take time in the workweek to participate in regular conferences, webinars, and training that improve staff competencies and leadership abilities.

Source: Nonprofit submitted responses

Mobilizing for Mission

The nonprofit provides evidence of leadership through focusing externally and mobilizing resources for the mission.


This organization mobilizes for mission in the following ways:
  • Strategic Partnerships

  • Networks of Collective Impact Efforts

  • Thought Leadership

  • Raising Awareness

  • Community Building

What are this organization’s external mobilizaton efforts?

JA utilizes multiple social media networks to raise awareness of our mission and engage community members in our work. JA staff and board members participate in a variety of professional networks and organizations to spread awareness of our mission and form strategic partnerships with organizations that share our mission of improving the lives of young people. JA staff have also presented at conferences and association meetings, have published essays on financial literacy, serve on the Career & Educational Advisory Council, and are involved with school education commissions. Our organization has also sponsored the Grand Rapids EPIC Awards Gala in the past.

Source: Nonprofit submitted responses

Story of Adaptability

The nonprofit has an opportunity to tell the story of how the organization adapted to tremendous external changes in the last year.


The advent of Covid-19 caused a dramatic shift in how we deliver our programming. School closures and online learning created instant challenges for our traditional, in-person program delivery method. Our team quickly pivoted to develop an array of program delivery methods and resources that allow JA to continue programming in coordination with any style of distance learning. These resources included unique, stand-alone activities; an online career speaker series featuring videos of volunteers talking about their respective professions and occupations organized around 12 different career pathways; an informational economics website focused around responding to the pandemic; and recorded sessions of volunteers teaching traditional programming with corresponding academic exercises; hybrid and virtual programs. Junior Achievement’s quick response to the need for virtual programming over the pandemic was recognized on a national level. Junior Achievement has been awarded National Bronze Excellence in learning awards from the Brandon Hall Group for Best Use of Games or Simulations for Learning and Best Advance for Leading Under a Crisis for our work in schools over the pandemic.

Source: Nonprofit submitted responses

...   Culture & Community


This score provides an assessment of the organization's engagement with the constituents it serves, a practice we term Constituent Feedback. When organizations listen to constituents, they are able to better deliver on programs and meet the needs of stakeholders. A future version of this Beacon will also assess an organization's people operations and its Diversity, Equity and Inclusion (DEI) metrics.


Culture & Community Score

100

out of 100

The score earned by Junior Achievement of the Michigan Great Lakes is a passing score.

Encompass Rating V4 provides an evaluation of an organization's Culture and Community by measuring its Constituent Feedback practices (see report below). Constituent Feedback data provides 100% of the basis for the initial evaluation of the Culture & Community Beacon.


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Culture & Community Report

100

of 100 points

This beta feature is currently viewable only on desktop or tablet screens. Check back later for updates.

Constituent Feedback

Constituent Feedback

Full Credit


This organization reported that it is collecting feedback.


Here's how this organization is listening and learning from the people they serve:


How is your organization collecting feedback from the people you serve?

Electronic surveys (by email, tablet, etc.)


How is your organization using feedback from the people you serve?

To identify bright spots and enhance positive service experiences, To inform the development of new programs/projects


With whom does your organization share the feedback you got from the people you serve?

The people we serve, Our staff, Our board


What challenges does your organization face in collecting feedback from the people you serve?

We don't have any major challenges to collecting feedback


Briefly describe a recent change that your organization made in response to feedback from the people you serve.

Tweaking educational events in response to student and educator feedback.



Methodology


Charity Navigator believes nonprofit organizations that engage in inclusive practices, such as collecting feedback from the people and communities they serve, may be more effective. We've partnered with GuideStar by Candid to survey organizations about their feedback practices. Nonprofit organizations can fill out the How We Listen section of their Candid profile to receive a rating.


Charity Navigator awards full credit for this Beacon to every nonprofit that is eligible for an Encompass Rating that completes the survey, in recognition of their willingness to publicly share this information with the nonprofit and philanthropic communities. This data is not evaluated for quality at this time. Validation will be added in future iterations of this Beacon.

Analysis and Research


Like the overall Encompass Rating System, the Culture & Community Beacon is designed to evolve as metrics are developed and ready for integration. Our partnership with Feedback Labs and Guidestar by Candid, and other partners including Fund for Shared Insight, GlobalGiving, and Keystone Accountability, enables us to launch the first version of this beacon with Constituent Feedback information collected on Candid's site.


Feedback practices have been shown to support better Diversity, Equity, and Inclusion outcomes, an essential area of assessment that we intend to further expand and develop in the future. Feedback Labs has documented several studies which indicate that beyond achieving organizational goals, nonprofits that are attentive and responsive to concerns and ideas raised by beneficiaries establish stronger relationships with the people they serve, promote greater equity, and empower constituents in ways that can help to ensure better long-term outcomes. You can find resources to help nonprofits improve their feedback practices here.

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