Civic Intelligence

American Credit Counseling Service Inc.

990 • Fiscal year 2019 • EIN 04-3155735

Jan 01, 2019 to Dec 31, 2019 • Filed on Oct 06, 2020

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

1.33x

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

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Liabilities / Revenue

94th percentile

0.62x

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

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Net Margin

48th percentile

2.4%

Higher net margin than 48% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Top Officer Pay

91st percentile

$46,115

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 20.9% of source-year revenue.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Asset Growth

22nd percentile

-18%

Faster asset growth than 22% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Annualized from 2018 to 2019

Revenue Growth

50th percentile

1.0%

Faster revenue growth than 50% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets96th percentile

Assets

Down

$103,528

Down $22,895 (-18%) from 2018

Net Assets

Down

-$33,842

Down $2,918 (-9.4%) from 2018

Liabilities

Down

$137,370

Down $19,977 (-13%) from 2018

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin48th percentile

Revenue

Up

$220,588

Up $2,173 (+1.0%) from 2018

Expenses

Down

$215,263

Down $8,075 (-3.6%) from 2018

Net Income

Up

$5,325

Up $10,248 (+208%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth22nd 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

2019

Assets$103,528
Liabilities$137,370
Net Assets-$33,842
Open 2019 Filing

Operations Trend

Revenue Growth50th 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

2019

Revenue$220,588
Expenses$215,263
Net Income$5,325
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Oct 6, 2020
Return Version
2019v5.0
Gross Receipts
$220,588
Mission and Program Overview

Mission

Budget and credit counselling.

Budget and credit counseling

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$115,547$103,528▼ $12,019
Accounts Receivable$8,626--
Prepaid Expenses and Deferred Charges$2,250--
Total Assets$126,423$103,528▼ $22,895
Liabilities
Other Liabilities$111,567$94,692▼ $16,875
Accounts Payable and Accrued Expenses$45,780$42,678▼ $3,102
Total Liabilities$157,347$137,370▼ $19,977
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-30,924$-33,842▼ $2,918
Total Net Assets Fund Balance$-30,924$-33,842▼ $2,918
Total Liabilities and Net Assets / Fund Balance$126,423$103,528▼ $22,895

Asset Categories

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

Employees

NameTitleFull / Part TimeBaseTotal
Mark HigginsVice PresideFT$46,115$46,115
Michael EdgarPresidentFT$42,471$42,471

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$114,490
Program Service Revenue
$106,094
Investment Income
$0
Other Revenue
$4
All Other Contributions
$114,490
Change in Net Assets
$5,325

Audited Revenue Reconciliation

Revenue per Audited Statements
$220,588
Total Revenue per Audited Statements
$220,588
Total Revenue per Form 990
$220,588
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$148,315
Other Expenses$66,948
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$84,156$4,430-$88,586
Other Salaries and Wages$39,435$2,076-$41,511
Occupancy$10,477$4,490-$14,967
Payroll Taxes$11,001$579-$11,580
Office Expenses$6,251$2,679-$8,930
Other Employee Benefits$6,306$332-$6,638
Interest$4,322$1,852-$6,174
Travel$4,181$1,792-$5,973
Fees for Services Accounting-$4,019-$4,019
Fees for Services Other-$3,000-$3,000
Insurance$1,784$764-$2,548
Other Expenses$631$271-$902
Information Technology$716--$716
Advertising$75--$75
Total Functional Expenses$183,086$32,177$0$215,263

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$215,263
Total Expenses per Audited Statements$215,263
Total Expenses per Form 990$215,263
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$94,692
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 35% controlled entity
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 kenerson 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
2020-10-06
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

Additional Explanations

Form 990, Part XI, Line 9

“PRIOR YEAR ADJ -8,243”

Form 990, Page 12, Part XII, Line 1

“Change to modified cash basis to be consistent with the audited financial statements.”

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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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IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt041375
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt094692
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER LIABILITIES
IRS990ScheduleD/RevenueSubtotalAmt0220588
IRS990ScheduleD/TotalExpensesPerForm990Amt0215263
IRS990ScheduleD/TotalLiabilityAmt094692
IRS990ScheduleD/TotalRevenuePerForm990Amt0220588
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0220588
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IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MICHAEL EDGAR MICHAEL HIGGINS PRESIDENT VP BROTHERS-IN-LAW MICHAEL EDGAR MELISSA KENERSON 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PRIOR YEAR ADJ -8,243
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CHANGE TO MODIFIED CASH BASIS TO BE CONSISTENT WITH THE AUDITED FINANCIAL STATEMENTS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 2
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 12, PART XII, LINE 1
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IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalContributionsAmt0114490
IRS990/TotalEmployeeCnt05
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0183086
IRS990/TotalFunctionalExpensesGrp/TotalAmt0215263
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IRS990/UnrelatedBusIncmOverLimitInd0false
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IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0WWW.ACCS.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02021-01-29 14:40:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL EDGAR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05086434445
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-10-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0AMERICAN CREDIT COUNSELING
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0SERVICE INC
ReturnHeader/Filer/BusinessNameControlTxt0AMER
ReturnHeader/Filer/EIN0043155735
ReturnHeader/Filer/PhoneNum05086434445
ReturnHeader/Filer/USAddress/AddressLine1Txt04 TAUNTON STREET SUITE 5
ReturnHeader/Filer/USAddress/CityNm0PLAINVILLE
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ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt096.89.247.173
ReturnHeader/FilingSecurityInformation/IPDt02020-10-06
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm011:01:15
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
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0020382015
ReturnHeader/PreparerPersonGrp/PhoneNum05083393078
ReturnHeader/PreparerPersonGrp/PreparationDt02020-10-06

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$103,528
Liabilities
$137,370
Net assets
-$33,842
Revenue
$220,588
Expenses
$215,263
Net income
$5,325
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
2019Detailed filing. Detailed filing data is available for this year.$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