Civic Intelligence

American Credit Counseling Service Inc.

990 • Fiscal year 2018 • EIN 04-3155735

Jan 01, 2018 to Dec 31, 2018 • Filed on Oct 15, 2019

Organization ProfileWWW.ACCS.ORG
4 Taunton Street Suite 5Plainville, MA 02762

(508) 643-4445

Siviq Scores

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

Liabilities / Assets

96th percentile

1.24x

Higher debt load relative to assets than 96% of similar nonprofits.

2018 filings • 501(c)3 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

94th percentile

0.72x

Higher debt load relative to revenue than 94% of similar nonprofits.

2018 filings • 501(c)3 • <$500k nonprofits • Source year 2018

Net Margin

35th percentile

-2.3%

Higher net margin than 35% of similar nonprofits.

2018 filings • 501(c)3 • <$500k nonprofits • Source year 2018

Top Officer Pay

91st percentile

$45,228

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 20.7% of source-year revenue.

2018 filings • 501(c)3 • <$500k nonprofits • Source year 2018

Asset Growth

83rd percentile

45%

Faster asset growth than 83% of similar nonprofits.

2018 filings • 501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

44th percentile

-2.6%

Faster revenue growth than 44% of similar nonprofits.

2018 filings • 501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets96th percentile

Assets

Up

$126,423

Up $39,533 (+45%) from 2017

Net Assets

Down

-$30,924

Down $4,923 (-19%) from 2017

Liabilities

Up

$157,347

Up $44,456 (+39%) from 2017

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin35th percentile

Revenue

Down

$218,415

Down $5,771 (-2.6%) from 2017

Expenses

Down

$223,338

Down $11,286 (-4.8%) from 2017

Net Income

Up

-$4,923

Up $5,515 (+53%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth83rd 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

2018

Assets$126,423
Liabilities$157,347
Net Assets-$30,924
Open 2018 Filing

Operations Trend

Revenue Growth44th 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

2018

Revenue$218,415
Expenses$223,338
Net Income-$4,923
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Oct 15, 2019
Return Version
2018v3.1
Gross Receipts
$218,415
Mission and Program Overview

Mission

Budget and credit counselling.

Budget and credit counseling

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$69,794$115,547▲ $45,753
Accounts Receivable$14,846$8,626▼ $6,220
Prepaid Expenses and Deferred Charges$2,250$2,250→ $0
Total Assets$86,890$126,423▲ $39,533
Liabilities
Other Liabilities$61,450$111,567▲ $50,117
Accounts Payable and Accrued Expenses$51,441$45,780▼ $5,661
Total Liabilities$112,891$157,347▲ $44,456
Net Assets / Fund Balance
Unrestricted Net Assets$-26,001$-30,924▼ $4,923
Total Net Assets Fund Balance$-26,001$-30,924▼ $4,923
Total Liabilities and Net Assets / Fund Balance$86,890$126,423▲ $39,533

Asset Categories

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

Employees

NameTitleFull / Part TimeBaseTotal
Mark HigginsVice PresideFT$45,228$45,228
Michael EdgarPresidentFT$41,654$41,654

Board Members and Trustees

NameTitle
Joseph Lalli EsqBoard Member
Kenneth FitchBoard Member
Laurie LabaBoard Member
Mark StolworthyBoard Member
Matthew GeminianiBoard Member
Melissa KennersonBoard Member
Michael MccueBoard Member
Molly CurrenBoard Member
Stephanie ComeauBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$131,427
Program Service Revenue
$86,963
Investment Income
$0
Other Revenue
$25
All Other Contributions
$131,427
Change in Net Assets
$-4,923

Audited Revenue Reconciliation

Revenue per Audited Statements
$215,625
Revenue Not Reported on Financial Statements
$2,790
Other Revenue Adjustments
$2,790
Total Revenue per Audited Statements
$215,625
Total Revenue per Form 990
$218,415
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$144,962
Other Expenses$78,376
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$82,538$4,344-$86,882
Other Salaries and Wages$40,692$2,142-$42,834
Occupancy$9,660$4,140-$13,800
Payroll Taxes$11,139$586-$11,725
Office Expenses$6,469$2,773-$9,242
Travel$4,164$1,784-$5,948
Interest$4,070$1,744-$5,814
Fees for Services Accounting-$4,569-$4,569
Other Employee Benefits$3,345$176-$3,521
Fees for Services Other-$3,000-$3,000
Insurance$1,807$774-$2,581
Information Technology$1,700--$1,700
Other Expenses$1,130$484-$1,614
Advertising$15--$15
Total Functional Expenses$190,421$32,917$0$223,338

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$223,338
Expenses per Audited Statements$214,583
Total Expenses per Audited Statements$214,583
Expenses Not Reported on Financial Statements$8,755
Other Expense Adjustments$8,755
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
Other Liabilities$111,567
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
Yes
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 2

“Michael edgar michael higgins president vp brothers-in-law michael edgar melissa kennerson president board member brother and sister”

Form 990, Page 6, Part VI, Line 6

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

Form 990, Page 6, Part VI, Line 8B

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

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, conflict of interest policy and its financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
American Credit Counseling
EIN
04-3155735
Phone
5086434445
Address
4 TAUNTON STREET SUITE 5, PLAINVILLE, MA 02762

Signing Officer

Name
Michael Edgar
Title
President
Phone
5086434445
Signed
2019-10-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Edgar
Formed
1992
Legal Domicile
Ma
Voting Board Members
11
Independent Board Members
11
Employees
5

Preparer

Firm
David a Doucette CPA Pllc
Address
137 SCHOOL ST, FRANKLIN, MA 02038-2015
Preparer
Denise M Smith CPA
Phone
5083393078
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 4, Part XI, Line 4B

“Accrual to cash adjustment 2,790”

Schedule D, Page 4, Part XII, Line 4B

“Accrual to cash adjustment 8,755”

Raw XML AppendixShowing 400 of 406 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/PYTotalRevenueAmt0224186
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IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0149412
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IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt041375
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IRS990ScheduleD/RevenueNotReportedFinclStmtAmt02790
IRS990ScheduleD/RevenueSubtotalAmt0215625
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1ACCRUAL TO CASH ADJUSTMENT 8,755
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IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 4B
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IRS990ScheduleD/TotalLiabilityAmt0111567
IRS990ScheduleD/TotalRevenuePerForm990Amt0218415
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0215625
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0214583
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MICHAEL EDGAR MICHAEL HIGGINS PRESIDENT VP BROTHERS-IN-LAW MICHAEL EDGAR MELISSA KENNERSON PRESIDENT BOARD MEMBER BROTHER AND SISTER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS BOARD MEMBERS THAT MEET THROUGHOUT THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD MEMBERS MEET THROUGHOUT THE YEAR AND THEIR MEETINGS ARE DOCUMENTED IN MEETING MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF THE FORM 990 IS PROVIDED TO THE ORGANIZATION'S GOVERNING BODY AT ITS MONTHLY MEETING PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 8B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
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IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
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IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt0126423
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IRS990/TotalContributionsAmt0131427
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt032917
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0190421
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IRS990/TotalLiabilitiesGrp/BOYAmt0112891
IRS990/TotalLiabilitiesGrp/EOYAmt0157347
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-26001
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IRS990/TotalProgramServiceRevenueAmt086963
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IRS990/TravelGrp/ProgramServicesAmt04164
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IRS990/TypeOfOrganizationCorpInd0X
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IRS990/UnrestrictedNetAssetsGrp/EOYAmt0-30924
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IRS990/VotingMembersIndependentCnt011
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IRS990/WhistleblowerPolicyInd0false
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ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL EDGAR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05086434445
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-10-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0AMERICAN CREDIT COUNSELING
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0SERVICE INC
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ReturnHeader/FilingSecurityInformation/IPTm007:13:39
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0814987490
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DAVID A DOUCETTE CPA PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0137 SCHOOL ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FRANKLIN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
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ReturnHeader/PreparerPersonGrp/PhoneNum05083393078
ReturnHeader/PreparerPersonGrp/PreparationDt02019-10-15

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$126,423
Liabilities
$157,347
Net assets
-$30,924
Revenue
$218,415
Expenses
$223,338
Net income
-$4,923
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
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