Civic Intelligence

American Credit Counseling Service Inc.

990 • Fiscal year 2016 • EIN 04-3155735

Jan 01, 2016 to Dec 31, 2016 • Filed on Jun 20, 2017

Organization ProfileN/A
4 Taunton StreetPlainville, MA 02762

(508) 643-4445

Siviq Scores

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

Liabilities / Assets

95th percentile

1.11x

Higher debt load relative to assets than 95% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Liabilities / Revenue

93rd percentile

0.62x

Higher debt load relative to revenue than 93% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Net Margin

45th percentile

1.2%

Higher net margin than 45% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Top Officer Pay

91st percentile

$46,115

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 18.7% of source-year revenue.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Asset Growth

66th percentile

13%

Faster asset growth than 66% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Revenue Growth

57th percentile

5.2%

Faster revenue growth than 57% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$138,361

Up $16,158 (+13%) from 2015

Net Assets

Up

-$15,563

Up $2,838 (+15%) from 2015

Liabilities

Up

$153,924

Up $13,320 (+9.5%) from 2015

Revenue And Expenses
Liabilities / Revenue93rd percentileNet Margin45th percentile

Revenue

Up

$246,475

Up $12,208 (+5.2%) from 2015

Expenses

Up

$243,640

Up $9,836 (+4.2%) from 2015

Net Income

Up

$2,835

Up $2,372 (+512%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth66th 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

2016

Assets$138,361
Liabilities$153,924
Net Assets-$15,563
Open 2016 Filing

Operations Trend

Revenue Growth57th 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

2016

Revenue$246,475
Expenses$243,640
Net Income$2,835
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jun 20, 2017
Return Version
2016v3.0
Gross Receipts
$246,475
Mission and Program Overview

Mission

Budget and credit counselling.

Budget and credit counseling

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$110,476$123,513▲ $13,037
Accounts Receivable$9,477$12,598▲ $3,121
Prepaid Expenses and Deferred Charges$2,250$2,250→ $0
Total Assets$122,203$138,361▲ $16,158
Liabilities
Other Liabilities$116,677$118,961▲ $2,284
Accounts Payable and Accrued Expenses$23,927$34,963▲ $11,036
Total Liabilities$140,604$153,924▲ $13,320
Net Assets / Fund Balance
Unrestricted Net Assets$-18,401$-15,563▲ $2,838
Total Net Assets Fund Balance$-18,401$-15,563▲ $2,838
Total Liabilities and Net Assets / Fund Balance$122,203$138,361▲ $16,158

Asset Categories

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

Employees

NameTitleFull / Part TimeBaseTotal
Mark a HigginsVP/sectFT$46,115$46,115
Michael L EdgarPres/treasFT$42,471$42,471

Board Members and Trustees

NameTitle
Joseph S LalliesqBoard Member
Kenneth FitchBoard Member
Laura LabaBoard Member
Mark B StolworthyBoard Member
Matthew P GeminianiBoard Member
Melissa KenersonBoard Member
Michael MccueBoard Member
Mollie CurrenBoard Member
Stephanie ComeauBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$143,007
Program Service Revenue
$103,164
Investment Income
$0
Other Revenue
$304
All Other Contributions
$143,007
Change in Net Assets
$2,835

Audited Revenue Reconciliation

Revenue per Audited Statements
$246,475
Total Revenue per Audited Statements
$246,475
Total Revenue per Form 990
$246,475
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$158,884
Other Expenses$84,756
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$84,157$4,429$0$88,586
Other Salaries and Wages$51,657$2,719$0$54,376
Occupancy$13,304$3,326$0$16,630
Office Expenses$10,866$2,716$0$13,582
Payroll Taxes$11,922$627$0$12,549
Interest$7,608$1,137$0$8,745
All Other Expenses$6,394$778$0$7,172
Travel$4,407$1,102$0$5,509
Insurance$3,127$782$0$3,909
Other Employee Benefits$3,204$169$0$3,373
Advertising$2,967$0$0$2,967
Fees for Services Accounting$0$2,725$0$2,725
Other Expenses$893$223$0$1,116
Total Functional Expenses$218,428$25,212$0$243,640

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$243,640
Total Expenses per Audited Statements$243,640
Total Expenses per Form 990$243,640
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Client Creditor Payables$118,961
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
American Credit Counseling Service Inc
EIN
04-3155735
Phone
5086434445
Address
4 TAUNTON STREET, PLAINVILLE, MA 02762

Signing Officer

Name
Michael L Edgar
Title
President & Treasurer
Phone
5086434445
Signed
2017-06-20
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
7
Volunteers
0

Preparer

Firm
David A Doucette CPA
Address
137 School Street, Franklin, MA 02038
Preparer
Jamie Doucette Schmidt CPA
Phone
5083393078
Supplemental Narrative

Additional Explanations

Pt VI, Line 2

“Michael edgar and mark higgins are brothers-in-law and melissa kennerson is michael edgar's sister.”

Pt VI, Line 11B

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

Pt VI, Line 19

“American credit counseling service, inc. Makes its governing documents, conflict of interest policy and its financial statements available to the public upon request.”

Pt XI

“ROUNDING $3”

Pt VI, Line 6

“The organization has board members that meet throughout the year.”

Pt VI, Line 8B

“The board members meet throughout the year and their meetings are documented in meeting minutes.”

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IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0627
IRS990/PayrollTaxesGrp/ProgramServicesAmt011922
IRS990/PayrollTaxesGrp/TotalAmt012549
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02250
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02250
IRS990/PrincipalOfficerNm0MICHAEL L EDGAR
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0541990
IRS990/ProgramServiceRevenueGrp/BusinessCd1541990
IRS990/ProgramServiceRevenueGrp/BusinessCd2541990
IRS990/ProgramServiceRevenueGrp/BusinessCd3541990
IRS990/ProgramServiceRevenueGrp/Desc0MAINTENANCE PAYMENTS
IRS990/ProgramServiceRevenueGrp/Desc1PAY DAY LOAN COUNSELING
IRS990/ProgramServiceRevenueGrp/Desc2CLIENT FEES
IRS990/ProgramServiceRevenueGrp/Desc3PAYDAY LENDER PAYMENTS
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt075847
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt124384
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22326
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3607
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0119153
IRS990/PYExcessBenefitTransInd0false
IRS990/PYOtherExpensesAmt071518
IRS990/PYProgramServiceRevenueAmt0115114
IRS990/PYRevenuesLessExpensesAmt0463
IRS990/PYSalariesCompEmpBnftPaidAmt0162286
IRS990/PYTotalExpensesAmt0233804
IRS990/PYTotalRevenueAmt0234267
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt02835
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0103468
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0143007
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0119153
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0149412
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0179455
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0162769
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0753796
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt00
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct01.00000
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportPY170Pct01.00000
IRS990ScheduleA/PublicSupportTotal170Amt0753796
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0143007
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0119153
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0149412
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0179455
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0162769
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0753796
IRS990ScheduleA/TotalSupportAmt0753796
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/ExpensesSubtotalAmt0243640
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt041375
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt041375
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0118961
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CLIENT CREDITOR PAYABLES
IRS990ScheduleD/RevenueSubtotalAmt0246475
IRS990ScheduleD/TotalExpensesPerForm990Amt0243640
IRS990ScheduleD/TotalLiabilityAmt0118961
IRS990ScheduleD/TotalRevenuePerForm990Amt0246475
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0246475
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0243640
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MICHAEL EDGAR AND MARK HIGGINS ARE BROTHERS-IN-LAW AND MELISSA KENNERSON IS MICHAEL EDGAR'S SISTER.
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/ExplanationTxt2AMERICAN CREDIT COUNSELING SERVICE, INC. MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ROUNDING $3
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION HAS BOARD MEMBERS THAT MEET THROUGHOUT THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD MEMBERS MEET THROUGHOUT THE YEAR AND THEIR MEETINGS ARE DOCUMENTED IN MEETING MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt XI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 8b
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0122203
IRS990/TotalAssetsEOYAmt0138361
IRS990/TotalAssetsGrp/BOYAmt0122203
IRS990/TotalAssetsGrp/EOYAmt0138361
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0143007
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt025212
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0218428
IRS990/TotalFunctionalExpensesGrp/TotalAmt0243640
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0140604
IRS990/TotalLiabilitiesEOYAmt0153924
IRS990/TotalLiabilitiesGrp/BOYAmt0140604
IRS990/TotalLiabilitiesGrp/EOYAmt0153924
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-18401
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-15563
IRS990/TotalProgramServiceExpensesAmt0218428
IRS990/TotalProgramServiceRevenueAmt0103164
IRS990/TotalReportableCompFromOrgAmt088586
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0103468
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0246475
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0122203
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0138361
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/FundraisingAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt01102
IRS990/TravelGrp/ProgramServicesAmt04407
IRS990/TravelGrp/TotalAmt05509
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0-18401
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0-15563
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0393 RICHARDSON AVE
IRS990/USAddress/CityNm0ATTLEBORO
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd002703
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$138,361
Liabilities
$153,924
Net assets
-$15,563
Revenue
$246,475
Expenses
$243,640
Net income
$2,835
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
2016Detailed filing. Detailed filing data is available for this year.$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
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$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