Civic Intelligence

American Credit Counseling Service Inc.

990 • Fiscal year 2013 • EIN 04-3155735

Jan 01, 2013 to Dec 31, 2013 • Filed on Jul 14, 2014

Organization ProfileWWW.ACCS.ORG
4 Taunton StreetAttleboro, MA 02762

(508) 643-4445

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

86th percentile

0.37x

Higher debt load relative to assets than 86% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Liabilities / Revenue

85th percentile

0.17x

Higher debt load relative to revenue than 85% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Net Margin

53rd percentile

3.9%

Higher net margin than 53% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Top Officer Pay

91st percentile

$43,696

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 14.6% of source-year revenue.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Asset Growth

38th percentile

-3.7%

Faster asset growth than 38% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Annualized from 2012 to 2013

Revenue Growth

48th percentile

0.2%

Faster revenue growth than 48% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets86th percentile

Assets

Down

$134,871

Down $5,189 (-3.7%) from 2012

Net Assets

Up

$84,437

Up $9,772 (+13%) from 2012

Liabilities

Down

$50,434

Down $14,961 (-23%) from 2012

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin53rd percentile

Revenue

$299,141

No earlier filing loaded for comparison.

Expenses

Up

$287,521

Up $14,728 (+5.4%) from 2012

Net Income

$11,620

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$200K$100K$0-$100KAssets 2010: $198,827Liabilities 2010: $84,851Net Assets 2010: $113,9762010Assets 2011: $151,931Liabilities 2011: $77,256Net Assets 2011: $74,6752011Assets 2012: $140,060Liabilities 2012: $65,395Net Assets 2012: $74,6652012Assets 2013: $134,871Liabilities 2013: $50,434Net Assets 2013: $84,4372013Assets 2014: $148,094Liabilities 2014: $42,837Net Assets 2014: $105,2572014Assets 2015: $122,203Liabilities 2015: $140,604Net Assets 2015: -$18,4012015Assets 2016: $138,361Liabilities 2016: $153,924Net Assets 2016: -$15,5632016Assets 2017: $86,890Liabilities 2017: $112,891Net Assets 2017: -$26,0012017Assets 2018: $126,423Liabilities 2018: $157,347Net Assets 2018: -$30,9242018Assets 2019: $103,528Liabilities 2019: $137,370Net Assets 2019: -$33,8422019Assets 2020: $84,041Liabilities 2020: $117,621Net Assets 2020: -$33,5802020Assets 2021: $76,031Liabilities 2021: $106,486Net Assets 2021: -$30,4552021Assets 2022: $75,808Liabilities 2022: $101,782Net Assets 2022: -$25,9742022Assets 2023: $70,122Liabilities 2023: $103,646Net Assets 2023: -$33,5242023Assets 2024: $59,146Liabilities 2024: $95,440Net Assets 2024: -$36,2942024

Highlighted filing

2013

Assets$134,871
Liabilities$50,434
Net Assets$84,437
Open 2013 Filing

Operations Trend

Revenue Growth48th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$400K$200K$0-$200KExpenses 2010: $356,5232010Revenue 2011: $297,826Expenses 2011: $310,021Net Income 2011: -$12,1952011Expenses 2012: $272,7932012Revenue 2013: $299,141Expenses 2013: $287,521Net Income 2013: $11,6202013Revenue 2014: $268,325Expenses 2014: $259,060Net Income 2014: $9,2652014Revenue 2015: $234,267Expenses 2015: $233,804Net Income 2015: $4632015Revenue 2016: $246,475Expenses 2016: $243,640Net Income 2016: $2,8352016Revenue 2017: $224,186Expenses 2017: $234,624Net Income 2017: -$10,4382017Revenue 2018: $218,415Expenses 2018: $223,338Net Income 2018: -$4,9232018Revenue 2019: $220,588Expenses 2019: $215,263Net Income 2019: $5,3252019Revenue 2020: $193,341Expenses 2020: $193,079Net Income 2020: $2622020Revenue 2021: $178,001Expenses 2021: $174,876Net Income 2021: $3,1252021Revenue 2022: $180,907Expenses 2022: $190,446Net Income 2022: -$9,5392022Revenue 2023: $119,961Expenses 2023: $175,579Net Income 2023: -$55,6182023Revenue 2024: $122,150Expenses 2024: $124,919Net Income 2024: -$2,7692024

Highlighted filing

2013

Revenue$299,141
Expenses$287,521
Net Income$11,620
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jul 14, 2014
Return Version
2013v3.1
Gross Receipts
$299,141
Mission and Program Overview

Mission

Budget and credit counselling.

Budget and credit counseling

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$117,350$122,981▲ $5,631
Accounts Receivable$20,460$9,640▼ $10,820
Prepaid Expenses and Deferred Charges$2,250$2,250→ $0
Total Assets$140,060$134,871▼ $5,189
Liabilities
Accounts Payable and Accrued Expenses$39,153$34,469▼ $4,684
Mortgage Notes Payable Secured by Investment Property$26,242$15,965▼ $10,277
Total Liabilities$65,395$50,434▼ $14,961
Net Assets / Fund Balance
Permanently Rstr Net Assets$114,412$112,564▼ $1,848
Unrestricted Net Assets$-39,747$-28,127▲ $11,620
Total Net Assets Fund Balance$74,665$84,437▲ $9,772
Total Liabilities and Net Assets / Fund Balance$140,060$134,871▼ $5,189

Asset Categories

AssetBook ValueDepreciationBasis
Buildings-$41,375$41,375
Compensation and Service Providers
Top Officer Pay91st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Mark a HigginsVP/secretaryFT$43,696$43,696
Michael L EdgarPresident /tFT$40,244$40,244

Board Members and Trustees

NameTitle
David MccarterBoard Member
Kenneth FitchBoard Member
Laurie LabaBoard Member
Mark B StolworthyBoard Member
Matthew GeminianiBoard Member
Melissa KenersonBoard Member
Michael W MccueBoard Member
Mollie CurrenBoard Member
Stephanie ComeauBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$179,455
Program Service Revenue
$119,686
Investment Income
$0
Other Revenue
$0
All Other Contributions
$179,455
Change in Net Assets
$11,620

Audited Revenue Reconciliation

Revenue per Audited Statements
$299,141
Total Revenue per Audited Statements
$299,141
Total Revenue per Form 990
$299,141
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$178,713
Other Expenses$108,808
Total Fundraising Expense$1,538
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$83,940--$83,940
Other Salaries and Wages$69,653-$1,538$71,191
Occupancy$19,471$2,909-$22,380
Payroll Taxes$13,028$2,813-$15,841
All Other Expenses$11,122$1,497-$12,619
Office Expenses$9,597--$9,597
Interest$6,922$1,034-$7,956
Other Employee Benefits$5,806$1,935-$7,741
Fees for Services Accounting-$7,100-$7,100
Travel$4,330$647-$4,977
Insurance$3,505$524-$4,029
Other Expenses$3,407$509-$3,916
Fees for Services Other-$3,000-$3,000
Advertising$643--$643
Total Functional Expenses$262,035$23,948$1,538$287,521

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$287,521
Total Expenses per Audited Statements$287,521
Total Expenses per Form 990$287,521
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“A copy of the form 990 is provided to the organization's governing body at its monthly meeting prior to filing.”

Form 990, Page 6, Part VI, Line 19

“The organization makes its governing documents, conflicts of interest policy and its financial statements available to the public upon request.”

Filing and Contact Details

Filer

EIN
04-3155735
Phone
5086434445

Signing Officer

Name
Michael L Edgar
Title
President & Treasurer
Phone
5086434445
Signed
2014-07-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael L Edgar
Formed
1992
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
11
Employees
9

Preparer

Preparer
Henry C Frye CPA
Phone
9785341166
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Providing debt management and mediation for financially distressed people. Majority of them are low income, 25% are aided at reduced or no charge.”

Form 990, Part XI, Line 9

“Change in restricted fund 1,848”

Raw XML Appendix388 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/PYTotalRevenueAmt0282459
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt011620
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0179455
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0162769
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0157373
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0205028
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0183815
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0888440
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt0119686
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt0888440
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0179455
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0162769
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0157373
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0205028
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0183815
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0888440
IRS990ScheduleA/TotalSupportAmt0888440
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/DepreciationAmt041375
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt041375
IRS990ScheduleD/ExpensesSubtotalAmt0287521
IRS990ScheduleD/RevenueSubtotalAmt0299141
IRS990ScheduleD/TotalExpensesPerForm990Amt0287521
IRS990ScheduleD/TotalRevenuePerForm990Amt0299141
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0299141
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0287521
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDING DEBT MANAGEMENT AND MEDIATION FOR FINANCIALLY DISTRESSED PEOPLE. MAJORITY OF THEM ARE LOW INCOME, 25% ARE AIDED AT REDUCED OR NO CHARGE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A COPY OF THE FORM 990 IS PROVIDED TO THE ORGANIZATION'S GOVERNING BODY AT ITS MONTHLY MEETING PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY AND ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CHANGE IN RESTRICTED FUND 1,848
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0140060
IRS990/TotalAssetsEOYAmt0134871
IRS990/TotalAssetsGrp/BOYAmt0140060
IRS990/TotalAssetsGrp/EOYAmt0134871
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0179455
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt01538
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt023948
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0262035
IRS990/TotalFunctionalExpensesGrp/TotalAmt0287521
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt065395
IRS990/TotalLiabilitiesEOYAmt050434
IRS990/TotalLiabilitiesGrp/BOYAmt065395
IRS990/TotalLiabilitiesGrp/EOYAmt050434
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt074665
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt084437
IRS990/TotalOtherProgSrvcExpenseAmt0262035
IRS990/TotalProgramServiceExpensesAmt0262035
IRS990/TotalProgramServiceRevenueAmt0119686
IRS990/TotalReportableCompFromOrgAmt083940
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0119686
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0299141
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0140060
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0134871
IRS990/TravelGrp/ManagementAndGeneralAmt0647
IRS990/TravelGrp/ProgramServicesAmt04330
IRS990/TravelGrp/TotalAmt04977
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0-39747
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0-28127
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10393 RICHARDSON AVENUE
IRS990/USAddress/City0ATTLEBORO
IRS990/USAddress/State0MA
IRS990/USAddress/ZIPCode002703
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0WWW.ACCS.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL L EDGAR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum05086434445
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-07-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10AMERICAN CREDIT COUNSELING
ReturnHeader/Filer/BusinessName/BusinessNameLine20SERVICE INC
ReturnHeader/Filer/BusinessNameControlTxt0AMER
ReturnHeader/Filer/EIN0043155735
ReturnHeader/Filer/PhoneNum05086434445
ReturnHeader/Filer/USAddress/AddressLine104 TAUNTON STREET
ReturnHeader/Filer/USAddress/City0PLAINVILLE
ReturnHeader/Filer/USAddress/State0MA
ReturnHeader/Filer/USAddress/ZIPCode002762
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10HENRY C FRYE CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10439 LANCASTER STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0LEOMINSTER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode001453
ReturnHeader/PreparerPersonGrp/PhoneNum09785341166
ReturnHeader/PreparerPersonGrp/PreparationDt02014-07-28
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0HENRY C FRYE CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-07-28T08:42:31-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$134,871
Liabilities
$50,434
Net assets
$84,437
Revenue
$299,141
Expenses
$287,521
Net income
$11,620
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.59$0.95$0.36$1.22$1.25$0.03
2023Detailed filing. Detailed filing data is available for this year.$0.70$1.04$0.34$1.20$1.76$0.56
2022Detailed filing. Detailed filing data is available for this year.$0.76$1.02$0.26$1.81$1.90$0.10
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.76$1.06$0.30$1.78$1.75$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.84$1.18$0.34$1.93$1.93$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.04$1.37$0.34$2.21$2.15$0.05
2018Detailed filing. Detailed filing data is available for this year.$1.26$1.57$0.31$2.18$2.23$0.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.87$1.13$0.26$2.24$2.35$0.10
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.38$1.54$0.16$2.46$2.44$0.03
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.22$1.41$0.18$2.34$2.34$0.00
2014Detailed filing. Detailed filing data is available for this year.$1.48$0.43$1.05$2.68$2.59$0.09
2013Detailed filing. Detailed filing data is available for this year.$1.35$0.50$0.84$2.99$2.88$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.40$0.65$0.75$2.73
2011Summary only. Only limited summary data is available for this year.$1.52$0.77$0.75$2.98$3.10$0.12
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.99$0.85$1.14$3.57