Civic Intelligence

Community Credit Counseling

EIN 04-3418214 • 501(c)3 • Neptune, NJ

Profile

To provide clients debt management assistance as well as educational and counseling services, which promote the responsible use of consumer credit and personal finances.

3455 State Route 66Neptune, NJ 07753

www.commcredit.org

Siviq Scores

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

Liabilities / Assets

98th percentile

5.68x

Higher debt load relative to assets than 98% of similar nonprofits.

NTEE S • <$500k nonprofits • Source year 2025

Liabilities / Revenue

96th percentile

1.67x

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

NTEE S • <$500k nonprofits • Source year 2025

Net Margin

59th percentile

14%

Higher net margin than 59% of similar nonprofits.

NTEE S31 • <$500k nonprofits • Source year 2025

Top Officer Pay

79th percentile

$0

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

NTEE S31 • <$500k nonprofits • Source year 2025

Asset Growth

96th percentile

336%

Faster asset growth than 96% of similar nonprofits.

NTEE S • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

63rd percentile

12%

Faster revenue growth than 63% of similar nonprofits.

NTEE S • <$500k nonprofits • Annualized from 2024 to 2025

Assets

Up

$19,319

Up $14,889 (+336%) from 2024

Liabilities

Up

$109,648

Up $5,877 (+5.7%) from 2024

Net Assets

Up

-$90,329

Up $9,012 (+9.1%) from 2024

Revenue

Up

$65,654

Up $7,083 (+12%) from 2024

Expenses

Down

$56,642

Down $4,404 (-7.2%) from 2024

Net Income

Up

$9,012

Up $11,487 (+464%) from 2024

Trend Graphs

Balance Sheet Trend

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

$200K$100K$0-$100K-$200KAssets 2011: $33,821Liabilities 2011: $181,216Net Assets 2011: -$147,3952011Assets 2012: $29,460Liabilities 2012: $130,413Net Assets 2012: -$100,9532012Assets 2013: $57,851Liabilities 2013: $96,510Net Assets 2013: -$38,6592013Assets 2014: $38,347Liabilities 2014: $87,358Net Assets 2014: -$49,0112014Assets 2015: $9,097Liabilities 2015: $76,392Net Assets 2015: -$67,2952015Assets 2016: $4,734Liabilities 2016: $69,324Net Assets 2016: -$64,5902016Assets 2017: $6,350Liabilities 2017: $66,568Net Assets 2017: -$60,2182017Assets 2018: $9,562Liabilities 2018: $77,620Net Assets 2018: -$68,0582018Assets 2019: $5,719Liabilities 2019: $73,492Net Assets 2019: -$67,7732019Assets 2020: $6,134Liabilities 2020: $83,399Net Assets 2020: -$77,2652020Assets 2021: $24,042Liabilities 2021: $105,561Net Assets 2021: -$81,5192021Assets 2022: $5,121Liabilities 2022: $98,522Net Assets 2022: -$93,4012022Assets 2023: $4,135Liabilities 2023: $101,001Net Assets 2023: -$96,8662023Assets 2024: $4,430Liabilities 2024: $103,771Net Assets 2024: -$99,3412024Assets 2025: $19,319Liabilities 2025: $109,648Net Assets 2025: -$90,3292025

Highlighted filing

2025

Assets$19,319
Liabilities$109,648
Net Assets-$90,329

Operations Trend

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

$1.0M$500K$0-$500KExpenses 2011: $876,1412011Expenses 2012: $621,5062012Revenue 2013: $579,199Expenses 2013: $516,905Net Income 2013: $62,2942013Revenue 2014: $432,627Expenses 2014: $442,979Net Income 2014: -$10,3522014Revenue 2015: $247,753Expenses 2015: $266,037Net Income 2015: -$18,2842015Revenue 2016: $138,099Expenses 2016: $135,394Net Income 2016: $2,7052016Revenue 2017: $122,136Expenses 2017: $117,764Net Income 2017: $4,3722017Revenue 2018: $108,872Expenses 2018: $116,712Net Income 2018: -$7,8402018Revenue 2019: $100,627Expenses 2019: $100,342Net Income 2019: $2852019Revenue 2020: $77,617Expenses 2020: $87,109Net Income 2020: -$9,4922020Revenue 2021: $78,553Expenses 2021: $82,807Net Income 2021: -$4,2542021Revenue 2022: $59,657Expenses 2022: $71,539Net Income 2022: -$11,8822022Revenue 2023: $54,122Expenses 2023: $57,587Net Income 2023: -$3,4652023Revenue 2024: $58,571Expenses 2024: $61,046Net Income 2024: -$2,4752024Revenue 2025: $65,654Expenses 2025: $56,642Net Income 2025: $9,0122025

Highlighted filing

2025

Revenue$65,654
Expenses$56,642
Net Income$9,012

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.19$1.10$0.90$0.66$0.57$0.09
2024Detailed filing. Detailed filing data is available for this year.$0.04$1.04$0.99$0.59$0.61$0.02
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.04$1.01$0.97$0.54$0.58$0.03
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.05$0.99$0.93$0.60$0.72$0.12
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.24$1.06$0.82$0.79$0.83$0.04
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.06$0.83$0.77$0.78$0.87$0.09
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.06$0.73$0.68$1.01$1.00$0.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.10$0.78$0.68$1.09$1.17$0.08
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.06$0.67$0.60$1.22$1.18$0.04
2016Detailed filing. Detailed filing data is available for this year.$0.05$0.69$0.65$1.38$1.35$0.03
2015Detailed filing. Detailed filing data is available for this year.$0.09$0.76$0.67$2.48$2.66$0.18
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$0.38$0.87$0.49$4.33$4.43$0.10
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.58$0.97$0.39$5.79$5.17$0.62
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.29$1.30$1.01$6.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.34$1.81$1.47$8.76
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Apr 1, 2024 to Mar 31, 2025
Signed
Jul 31, 2025
Return Version
2024v5.0
Gross Receipts
$65,654
Mission and Program Overview

Mission

To provide clients debt management assistance as well as educational and counseling services, which promote the responsible use of consumer credit and personal finances.

Balance Sheet Detail
LineBeginningEndChange
Assets
Pledges and Grants Receivable$1,250$16,300▲ $15,050
Prepaid Expenses and Deferred Charges$840$840→ $0
Cash and Non-Interest-Bearing Accounts$916$680▼ $236
Accounts Receivable$374$449▲ $75
Total Assets$4,430$19,319▲ $14,889
Other Assets Total$1,050$1,050→ $0
Liabilities
Other Liabilities$47,046$52,867▲ $5,821
Unsecured Notes Loans Payable$40,900$40,900→ $0
Accounts Payable and Accrued Expenses$15,825$15,881▲ $56
Total Liabilities$103,771$109,648▲ $5,877
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-99,341$-90,329▲ $9,012
Total Net Assets Fund Balance$-99,341$-90,329▲ $9,012
Total Liabilities and Net Assets / Fund Balance$4,430$19,319▲ $14,889

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$1,050--
Compensation and Service Providers

Board Members and Trustees

NameTitle
Charles CapobiancoPresident
Lisa JamisonTrustee
Samuel ZurichTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$31,949
Program Service Revenue
$33,705
Investment Income
$0
Other Revenue
$0
All Other Contributions
$31,949
Change in Net Assets
$9,012
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$35,579
Salaries, Compensation, and Employee Benefits$21,063
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$17,020$1,380-$18,400
Occupancy$10,650$1,880-$12,530
Payroll Taxes$2,264$399-$2,663
Fees for Services Accounting-$2,400-$2,400
Office Expenses$1,851$327-$2,178
Insurance$1,521$268-$1,789
Interest$1,502$265-$1,767
Other Expenses$1,460$258-$1,718
All Other Expenses$401$14-$415
Total Functional Expenses$48,589$8,053$0$56,642
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
Eidl Loan Payable$49,322
Accrued Expense$3,045
Client Trust Fund Payable$500
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Other officer compensation reviewed
Yes
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

No review was or will be conducted.

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

All employees must complete confidentiality and conflict of interest agreements which are monitored by human resources and reviewed by in-house counsel.

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

Independent board members review and approve compensation of any executive(s).

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

Independent board members review and approve compensation of any key employee(s).

Form 990, Page 6, Part VI, Line 19

No documents available to the public

Filing and Contact Details

Filer

Filer Name
Community Credit Counseling
EIN
04-3418214
Phone
8006634416
Address
3455 STATE ROUTE 66, NEPTUNE, NJ 07753

Signing Officer

Name
Charles Capobianco
Title
President
Phone
8006634416
Signed
2025-07-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Charles Capobianco
Formed
1998
Legal Domicile
Ma
Voting Board Members
3
Independent Board Members
3
Employees
2

Preparer

Firm
FREY & WAGNER CPA'S PC
Address
145 PINELAWN RD SUITE 310N, MELVILLE, NY 11747
Preparer
David P Frey CPA
Phone
5164336800
Supplemental Narrative

Additional Explanations

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

To provide clients and the general public guidance in regard to consumer credit and personal finances through educational programs, assistance in creating and carrying out debt management plans, credit counseling, and public seminars and workshops. In fiscal year 2024/2025, the organization educated approximately 1,250 individuals through financial education seminars and programs including the fdic money smart program and debt guard financial literacy programs, as well as personal financial literacy materials designed by the organization. During the year, the organization's credit counselors conducted approximately 575 counseling sessions, serviced approximately 90 debt management plans for new clients, and 180 for existing clients respectively, and had approximately 12 clients successfully complete their debt management plans.

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

For the fiscal year ended march 31, 2025, the organization incurred interest expense of 1,767 on the eidl loan payable.

Raw XML Appendix336 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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IRS990ScheduleA/Total509Grp/TotalAmt0316557
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt065654
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt058571
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt054122
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt059657
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0SECURITY DEPOSITS
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED EXPENSE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CLIENT TRUST FUND PAYABLE
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO PROVIDE CLIENTS AND THE GENERAL PUBLIC GUIDANCE IN REGARD TO CONSUMER CREDIT AND PERSONAL FINANCES THROUGH EDUCATIONAL PROGRAMS, ASSISTANCE IN CREATING AND CARRYING OUT DEBT MANAGEMENT PLANS, CREDIT COUNSELING, AND PUBLIC SEMINARS AND WORKSHOPS. IN FISCAL YEAR 2024/2025, THE ORGANIZATION EDUCATED APPROXIMATELY 1,250 INDIVIDUALS THROUGH FINANCIAL EDUCATION SEMINARS AND PROGRAMS INCLUDING THE FDIC MONEY SMART PROGRAM AND DEBT GUARD FINANCIAL LITERACY PROGRAMS, AS WELL AS PERSONAL FINANCIAL LITERACY MATERIALS DESIGNED BY THE ORGANIZATION. DURING THE YEAR, THE ORGANIZATION'S CREDIT COUNSELORS CONDUCTED APPROXIMATELY 575 COUNSELING SESSIONS, SERVICED APPROXIMATELY 90 DEBT MANAGEMENT PLANS FOR NEW CLIENTS, AND 180 FOR EXISTING CLIENTS RESPECTIVELY, AND HAD APPROXIMATELY 12 CLIENTS SUCCESSFULLY COMPLETE THEIR DEBT MANAGEMENT PLANS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FOR THE FISCAL YEAR ENDED MARCH 31, 2025, THE ORGANIZATION INCURRED INTEREST EXPENSE OF 1,767 ON THE EIDL LOAN PAYABLE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL EMPLOYEES MUST COMPLETE CONFIDENTIALITY AND CONFLICT OF INTEREST AGREEMENTS WHICH ARE MONITORED BY HUMAN RESOURCES AND REVIEWED BY IN-HOUSE COUNSEL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4INDEPENDENT BOARD MEMBERS REVIEW AND APPROVE COMPENSATION OF ANY EXECUTIVE(S).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INDEPENDENT BOARD MEMBERS REVIEW AND APPROVE COMPENSATION OF ANY KEY EMPLOYEE(S).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalLiabilitiesEOYAmt0109648
IRS990/TotalLiabilitiesGrp/BOYAmt0103771
IRS990/TotalLiabilitiesGrp/EOYAmt0109648
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-90329
IRS990/TotalOtherProgSrvcExpenseAmt01952
IRS990/TotalProgramServiceExpensesAmt048589
IRS990/TotalProgramServiceRevenueAmt033705
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IRS990/TypeOfOrganizationCorpInd0X
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IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt040900
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt040900
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0533 5TH STREET
IRS990/USAddress/CityNm0EAST NORTHPORT
IRS990/USAddress/StateAbbreviationCd0NY
IRS990/USAddress/ZIPCd011731
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt03
IRS990/WebsiteAddressTxt0WWW.COMMCREDIT.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES CAPOBIANCO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08006634416
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-07-31
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY CREDIT COUNSELING
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CORPORATION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0043418214
ReturnHeader/Filer/PhoneNum08006634416
ReturnHeader/Filer/USAddress/AddressLine1Txt03455 STATE ROUTE 66
ReturnHeader/Filer/USAddress/CityNm0NEPTUNE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NJ
ReturnHeader/Filer/USAddress/ZIPCd007753
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0112819610
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FREY & WAGNER CPA'S PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0145 PINELAWN RD SUITE 310N
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MELVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd011747
ReturnHeader/PreparerPersonGrp/PhoneNum05164336800
ReturnHeader/PreparerPersonGrp/PreparationDt02025-08-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DAVID P FREY CPA
ReturnHeader/ReturnTs02025-08-04T15:35:04-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-04-01
ReturnHeader/TaxPeriodEndDt02025-03-31
ReturnHeader/TaxYr02024

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