Civic Intelligence

American Consumer Credit

EIN 04-3166982 • 501(c)3 • Auburndale, MA

View Organization Page

Profile

See attachment page 1 & 2

130 Rumford Ave Ste 202Auburndale, MA 02466

www.consumercredit.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

46th percentile

0.14x

Higher debt load relative to assets than 46% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

43rd percentile

0.17x

Higher debt load relative to revenue than 43% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Net Margin

61st percentile

9.4%

Higher net margin than 61% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

87th percentile

$416,030

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

501(c)3 • $10M-$25M nonprofits • Source year 2024

Asset Growth

74th percentile

14%

Faster asset growth than 74% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

75th percentile

26%

Faster revenue growth than 75% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets46th percentile

Assets

Up

$21,646,398

Up $2,595,787 (+14%) from 2023

Liabilities

Up

$3,010,698

Up $423,595 (+16%) from 2023

Net Assets

Up

$18,635,700

Up $2,172,192 (+13%) from 2023

Operations
Liabilities / Revenue43rd percentileNet Margin61st percentile

Revenue

Up

$17,891,904

Up $3,709,535 (+26%) from 2023

Expenses

Up

$16,213,581

Up $3,011,233 (+23%) from 2023

Net Income

Up

$1,678,323

Up $698,302 (+71%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth74th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2011: $16,130,561Liabilities 2011: $4,843,651Net Assets 2011: $11,286,9102011Assets 2012: $16,837,247Liabilities 2012: $5,387,482Net Assets 2012: $11,449,7652012Assets 2013: $17,157,243Liabilities 2013: $5,303,497Net Assets 2013: $11,853,7462013Assets 2014: $17,820,088Liabilities 2014: $5,221,820Net Assets 2014: $12,598,2682014Assets 2015: $17,810,742Liabilities 2015: $5,121,367Net Assets 2015: $12,689,3752015Assets 2016: $15,290,900Liabilities 2016: $2,598,187Net Assets 2016: $12,692,7132016Assets 2017: $15,467,428Liabilities 2017: $3,149,048Net Assets 2017: $12,318,3802017Assets 2018: $15,313,799Liabilities 2018: $3,134,891Net Assets 2018: $12,178,9082018Assets 2019: $15,426,366Liabilities 2019: $2,999,328Net Assets 2019: $12,427,0382019Assets 2020: $16,994,490Liabilities 2020: $3,961,425Net Assets 2020: $13,033,0652020Assets 2021: $18,184,034Liabilities 2021: $2,747,675Net Assets 2021: $15,436,3592021Assets 2022: $17,821,275Liabilities 2022: $2,414,560Net Assets 2022: $15,406,7152022Assets 2023: $19,050,611Liabilities 2023: $2,587,103Net Assets 2023: $16,463,5082023Assets 2024: $21,646,398Liabilities 2024: $3,010,698Net Assets 2024: $18,635,7002024

Highlighted filing

2024

Assets$21,646,398
Liabilities$3,010,698
Net Assets$18,635,700
Open 2024 Filing

Operations Trend

Revenue Growth75th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$20M$15M$10M$5.0M$0-$5.0MRevenue 2011: $12,725,559Expenses 2011: $12,515,351Net Income 2011: $210,2082011Revenue 2012: $13,698,556Expenses 2012: $13,535,701Net Income 2012: $162,8552012Revenue 2013: $14,413,580Expenses 2013: $14,009,599Net Income 2013: $403,9812013Revenue 2014: $13,705,458Expenses 2014: $12,960,935Net Income 2014: $744,5232014Revenue 2015: $12,768,595Expenses 2015: $12,598,165Net Income 2015: $170,4302015Revenue 2016: $12,209,529Expenses 2016: $12,220,842Net Income 2016: -$11,3132016Revenue 2017: $11,741,111Expenses 2017: $12,095,075Net Income 2017: -$353,9642017Revenue 2018: $12,102,828Expenses 2018: $12,059,041Net Income 2018: $43,7872018Revenue 2019: $12,552,599Expenses 2019: $12,335,527Net Income 2019: $217,0722019Revenue 2020: $12,441,274Expenses 2020: $11,780,884Net Income 2020: $660,3902020Revenue 2021: $13,306,197Expenses 2021: $10,853,717Net Income 2021: $2,452,4802021Revenue 2022: $10,982,051Expenses 2022: $11,570,986Net Income 2022: -$588,9352022Revenue 2023: $14,182,369Expenses 2023: $13,202,348Net Income 2023: $980,0212023Revenue 2024: $17,891,904Expenses 2024: $16,213,581Net Income 2024: $1,678,3232024

Highlighted filing

2024

Revenue$17,891,904
Expenses$16,213,581
Net Income$1,678,323
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$21,646,398
Liabilities
$3,010,698
Net assets
$18,635,700
Revenue
$17,891,904
Expenses
$16,213,581
Net income
$1,678,323
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$21.6$3.01$18.6$17.9$16.2$1.68
2023Detailed filing. Detailed filing data is available for this year.$19.1$2.59$16.5$14.2$13.2$0.98
2022Detailed filing. Detailed filing data is available for this year.$17.8$2.41$15.4$11.0$11.6$0.59
2021Detailed filing. Detailed filing data is available for this year.$18.2$2.75$15.4$13.3$10.9$2.45
2020Detailed filing. Detailed filing data is available for this year.$17.0$3.96$13.0$12.4$11.8$0.66
2019Summary only. Only limited summary data is available for this year.$15.4$3.00$12.4$12.6$12.3$0.22
2018Summary only. Only limited summary data is available for this year.$15.3$3.13$12.2$12.1$12.1$0.04
2017Summary only. Only limited summary data is available for this year.$15.5$3.15$12.3$11.7$12.1$0.35
2016Summary only. Only limited summary data is available for this year.$15.3$2.60$12.7$12.2$12.2$0.01
2015Summary only. Only limited summary data is available for this year.$17.8$5.12$12.7$12.8$12.6$0.17
2014Summary only. Only limited summary data is available for this year.$17.8$5.22$12.6$13.7$13.0$0.74
2013Summary only. Only limited summary data is available for this year.$17.2$5.30$11.9$14.4$14.0$0.40
2012Summary only. Only limited summary data is available for this year.$16.8$5.39$11.4$13.7$13.5$0.16
2011Summary only. Only limited summary data is available for this year.$16.1$4.84$11.3$12.7$12.5$0.21
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 12, 2025
Return Version
2024v5.0
Gross Receipts
$17,891,904
Mission and Program Overview

Mission

See attachment page 1 & 2

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$16,463,508$18,635,700▲ $2,172,192
Investments in Publicly Traded Securities$2,466,320$10,599,401▲ $8,133,081
Savings and Temporary Cash Investments$10,546,584$3,591,110▼ $6,955,474
Cash and Non-Interest-Bearing Accounts$1,698,969$3,440,609▲ $1,741,640
Land, Buildings, and Equipment, Net$3,669,038$3,346,412▼ $322,626
Accounts Receivable$237,398$258,886▲ $21,488
Pledges and Grants Receivable$189,300$222,100▲ $32,800
Prepaid Expenses and Deferred Charges$243,002$187,880▼ $55,122
Total Assets$19,050,611$21,646,398▲ $2,595,787
Liabilities
Escrow Account Liability$1,520,864$2,580,221▲ $1,059,357
Other Liabilities$938,069$390,905▼ $547,164
Accounts Payable and Accrued Expenses$128,170$39,572▼ $88,598
Total Liabilities$2,587,103$3,010,698▲ $423,595
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,463,508$18,635,700▲ $2,172,192
Total Liabilities and Net Assets / Fund Balance$19,050,611$21,646,398▲ $2,595,787

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$3,224,826$2,534,959$5,759,785
Equipment$126,164$156,953$283,117
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Allen AmadinPresident &FT$393,847$22,183$416,030
Allen AmadinPresident & CEO-$393,847$22,183$416,030
Tracey R MacomberVP GovernancFT$217,638$12,957$230,595
Tracey R MacomberVP Governance & Trea-$217,638$12,957$230,595
Katherine H RossExecutive VPFT$198,352$19,796$218,148
Paul GloverSenior SoftwFT$172,184$6,238$178,422
Paul GloverSenior Software Eng.-$172,184$6,238$178,422
Kenneth MohammedCounseling MFT$131,588$11,526$143,114
Daniel TurnerDirector ofFT$141,692-$141,692
Donna M ConleyVP & ClerkFT$126,133$7,677$133,810
Paul FergusonFinance MgrFT$119,205$13,141$132,346
Michelle HurleyCustomer SerFT$113,799$7,450$121,249
Donald FradetteDirector-$2,250-$2,250
James CurrieDirector-$2,250-$2,250
John L SergiDirector-$2,250-$2,250
Joseph StasioDirector-$2,250-$2,250
Kenneth V LopezDirector-$2,250-$2,250
Lilian RojasDirector-$2,250-$2,250
Mary PapazianDirector-$2,250-$2,250
Matthew ParadiseDirector-$2,250-$2,250
Michael SilvaDirector-$2,250-$2,250
Zepur KahwajianDirector-$2,250-$2,250

Highest Paid Contractors

ContractorServicesLocationCompensation
Triton Group LLCApp Consulting711 ATLANTIC AVE, Boston, MA 02111$360,000
Revenue and Support

Revenue Composition

Contributions and Grants
$1,693,627
Program Service Revenue
$15,864,273
Investment Income
$537,280
Other Revenue
$-203,276
All Other Contributions
$1,693,627
Change in Net Assets
$1,678,323

Audited Revenue Reconciliation

Revenue per Audited Statements
$17,891,904
Revenue Not Reported on Form 990
$493,869
Total Revenue per Audited Statements
$18,385,773
Total Revenue per Form 990
$17,891,904
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$11,504,201
Other Expenses$4,709,380
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$7,930,514$627,627-$8,558,141
Other Employee Benefits$782,765$195,691-$978,456
Current Officers, Directors, Trustees, and Key Employees-$935,970-$935,970
Payroll Taxes$639,659$159,915-$799,574
Depreciation Depletion$693,921$28,705-$722,626
All Other Expenses$301,906$336,179-$638,085
Occupancy$435,655$111,614-$547,269
Office Expenses$312,735$37,691-$350,426
Pension Plan Contributions$185,648$46,412-$232,060
Insurance$149,142$13,110-$162,252
Advertising$138,781$4,044-$142,825
Other Expenses$107,528$26,882-$134,410
Fees for Services Legal-$72,502-$72,502
Fees for Service Investment Mgmnt Fees-$40,569-$40,569
Fees for Services Accounting-$35,175-$35,175
Travel$15,650$1,855-$17,505
Total Functional Expenses$13,263,827$2,949,754$0$16,213,581

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$16,213,581
Total Expenses per Audited Statements$16,213,581
Total Expenses per Form 990$16,213,581
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
-Board MemberStanton CommissionNo$19,522
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Payroll$228,501
Accrued Pto$111,048
Accrued Expenses$51,356
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
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 11B

“See attachment for the process to review form 990”

Form 990, Page 6, Part VI, Line 12C

“See attachment for the enforcement of conflicts policy”

Form 990, Page 6, Part VI, Line 15A

“See attached compensation process for top officals”

Form 990, Page 6, Part VI, Line 19

“Governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
American Consumer Credit
EIN
04-3166982
Phone
6175595700
Address
130 RUMFORD AVE STE 202, AUBURNDALE, MA 02466

Signing Officer

Name
Allen Amadin
Title
President & CEO
Phone
6175595700
Signed
2025-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Allen Amadin
Formed
1992
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
9
Employees
194

Preparer

Firm
David J Cleary CPA Inc
Address
TWO CABOT PLACE, STOUGHTON, MA 02072-4611
Preparer
David J Cleary CPA
Phone
7813414100
Supplemental Narrative

Additional Explanations

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

“See attachment page 1 & 2”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Accc is the custodian for client funds that are paid to creditors to satisfy the clients debts.”

Raw XML AppendixShowing 400 of 584 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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