Civic Intelligence

Community Credit Counseling Corporation

990 • Fiscal year 2014 • EIN 04-3418214

Apr 01, 2013 to Mar 31, 2014 • Filed on Nov 12, 2014

Organization ProfileWWW.COMMCREDIT.ORG
3455 State Route 66Neptune, NJ 07753

(800) 663-4416

Siviq Scores

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

Liabilities / Assets

98th percentile

2.28x

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

2014 filings • NTEE S • <$500k nonprofits • Source year 2014

Liabilities / Revenue

82nd percentile

0.20x

Higher debt load relative to revenue than 82% of similar nonprofits.

2014 filings • NTEE S • <$500k nonprofits • Source year 2014

Net Margin

35th percentile

-2.4%

Higher net margin than 35% of similar nonprofits.

2014 filings • NTEE S • <$500k nonprofits • Source year 2014

Top Officer Pay

82nd percentile

$27,859

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 6.4% of source-year revenue.

2014 filings • NTEE S • <$500k nonprofits • Source year 2014

Asset Growth

11th percentile

-34%

Faster asset growth than 11% of similar nonprofits.

2014 filings • NTEE S • <$500k nonprofits • Annualized from 2013 to 2014

Revenue Growth

19th percentile

-25%

Faster revenue growth than 19% of similar nonprofits.

2014 filings • NTEE S • <$500k nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets98th percentile

Assets

Down

$38,347

Down $19,504 (-34%) from 2013

Net Assets

Down

-$49,011

Down $10,352 (-27%) from 2013

Liabilities

Down

$87,358

Down $9,152 (-9.5%) from 2013

Revenue And Expenses
Liabilities / Revenue82nd percentileNet Margin35th percentile

Revenue

Down

$432,627

Down $146,572 (-25%) from 2013

Expenses

Down

$442,979

Down $73,926 (-14%) from 2013

Net Income

Down

-$10,352

Down $72,646 (-117%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth11th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2014

Assets$38,347
Liabilities$87,358
Net Assets-$49,011
Open 2014 Filing

Operations Trend

Revenue Growth19th percentile

Revenue, expenses, and net income across loaded years, with this 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

2014

Revenue$432,627
Expenses$442,979
Net Income-$10,352
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Apr 1, 2013 to Mar 31, 2014
Signed
Nov 12, 2014
Return Version
2013v3.1
Gross Receipts
$432,627
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$42,136$31,256▼ $10,880
Loans From Officers Directors$29,800$13,000▼ $16,800
Accounts Receivable$9,676$2,482▼ $7,194
Prepaid Expenses and Deferred Charges$2,521$1,937▼ $584
Cash and Non-Interest-Bearing Accounts$1,493$647▼ $846
Total Assets$57,851$38,347▼ $19,504
Other Assets Total$2,025$2,025→ $0
Liabilities
Accounts Payable and Accrued Expenses$56,294$51,358▼ $4,936
Unsecured Notes Loans Payable$10,416$23,000▲ $12,584
Total Liabilities$96,510$87,358▼ $9,152
Net Assets / Fund Balance
Unrestricted Net Assets$-38,659$-49,011▼ $10,352
Total Net Assets Fund Balance$-38,659$-49,011▼ $10,352
Total Liabilities and Net Assets / Fund Balance$57,851$38,347▼ $19,504

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$2,025--
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Charles CapobiancoPresidentFT$5,000$22,859$27,859

Board Members and Trustees

NameTitle
Lisa Melnick JamisonDirector
Samuel ZurichDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$228,992
Program Service Revenue
$203,635
Investment Income
$0
Other Revenue
$0
All Other Contributions
$228,992
Change in Net Assets
$-10,352

Audited Revenue Reconciliation

Revenue per Audited Statements
$432,627
Total Revenue per Audited Statements
$432,627
Total Revenue per Form 990
$432,627
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$297,325
Other Expenses$145,654
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$229,933$34,358-$264,291
Payroll Taxes$28,740$4,294-$33,034
Occupancy$17,748$2,652-$20,400
Office Expenses$13,837$2,067-$15,904
All Other Expenses$9,812$1,209-$11,021
Insurance$8,741--$8,741
Fees for Services Accounting-$8,125-$8,125
Other Expenses$7,683$1,668-$7,683
Travel$2,874$429-$3,303
Interest-$1,760-$1,760
Advertising$1,225--$1,225
Total Functional Expenses$386,417$56,562$0$442,979

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$442,979
Total Expenses per Audited Statements$442,979
Total Expenses per Form 990$442,979
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

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$29,800$13,000▼ $16,800
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
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

EIN
04-3418214
Phone
8006634416

Signing Officer

Name
Charles Capobianco
Title
President
Phone
8006634416
Signed
2014-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Charles Capobianco
Formed
1998
Legal Domicile
Ma
Voting Board Members
3
Independent Board Members
2
Employees
12

Preparer

Preparer
David P Frey CPA
Phone
5164336800
Supplemental Narrative

Additional Explanations

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

“Approximately 2,000 counseling sessions, serviced approximately 225 debt management plans for new and 400 for existing clients respectively, and had approximately 190 clients successfully complete their debt management plans.”

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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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt013000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0NOTE PAYABLE - CHARLES CAPOBIANCO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt013000
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0APPROXIMATELY 2,000 COUNSELING SESSIONS, SERVICED APPROXIMATELY 225 DEBT MANAGEMENT PLANS FOR NEW AND 400 FOR EXISTING CLIENTS RESPECTIVELY, AND HAD APPROXIMATELY 190 CLIENTS SUCCESSFULLY COMPLETE THEIR DEBT MANAGEMENT PLANS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL EMPLOYEES MUST COMPLETE CONFIDENTIALITY AND CONFLICT OF INTEREST AGREEMENTS WHICH ARE MONITORED BY HUMAN RESOURCES AND REVIEWED BY IN-HOUSE COUNSEL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3INDEPENDENT BOARD MEMBERS REVIEW AND APPROVE COMPENSATION OF ANY EXECUTIVE(S).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4INDEPENDENT BOARD MEMBERS REVIEW AND APPROVE COMPENSATION OF ANY KEY EMPLOYEE(S).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/StatesWhereCopyOfReturnIsFldCd1CT
IRS990/StatesWhereCopyOfReturnIsFldCd2IL
IRS990/StatesWhereCopyOfReturnIsFldCd3MA
IRS990/StatesWhereCopyOfReturnIsFldCd4NJ
IRS990/StatesWhereCopyOfReturnIsFldCd5NY
IRS990/StatesWhereCopyOfReturnIsFldCd6VA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt057851
IRS990/TotalAssetsEOYAmt038347
IRS990/TotalAssetsGrp/BOYAmt057851
IRS990/TotalAssetsGrp/EOYAmt038347
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0228992
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt056562
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0386417
IRS990/TotalFunctionalExpensesGrp/TotalAmt0442979
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt096510
IRS990/TotalLiabilitiesEOYAmt087358
IRS990/TotalLiabilitiesGrp/BOYAmt096510
IRS990/TotalLiabilitiesGrp/EOYAmt087358
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-38659
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-49011
IRS990/TotalOtherCompensationAmt022859
IRS990/TotalProgramServiceExpensesAmt0386417
IRS990/TotalProgramServiceRevenueAmt0203635
IRS990/TotalReportableCompFromOrgAmt05000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0203635
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0432627
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt057851
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt038347
IRS990/TravelGrp/ManagementAndGeneralAmt0429
IRS990/TravelGrp/ProgramServicesAmt02874
IRS990/TravelGrp/TotalAmt03303
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0-38659
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0-49011
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt010416
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt023000
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine103455 STATE ROUTE 66
IRS990/USAddress/City0NEPTUNE
IRS990/USAddress/State0NJ
IRS990/USAddress/ZIPCode007753
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt02
IRS990/WebsiteAddressTxt0WWW.COMMCREDIT.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES CAPOBIANCO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08006634416
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-12
ReturnHeader/Filer/BusinessName/BusinessNameLine10COMMUNITY CREDIT COUNSELING
ReturnHeader/Filer/BusinessName/BusinessNameLine20CORPORATION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0043418214
ReturnHeader/Filer/PhoneNum08006634416
ReturnHeader/Filer/USAddress/AddressLine103455 STATE ROUTE 66
ReturnHeader/Filer/USAddress/City0NEPTUNE
ReturnHeader/Filer/USAddress/State0NJ
ReturnHeader/Filer/USAddress/ZIPCode007753
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0112819610
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10FREY & WAGNER CPA'S PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10811 OLD COUNTRY RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0PLAINVIEW
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0118034905
ReturnHeader/PreparerPersonGrp/PhoneNum05164336800
ReturnHeader/PreparerPersonGrp/PreparationDt02014-11-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DAVID P FREY CPA
ReturnHeader/ReturnTs02014-11-14T10:40:25-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-04-01
ReturnHeader/TaxPeriodEndDt02014-03-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$38,347
Liabilities
$87,358
Net assets
-$49,011
Revenue
$432,627
Expenses
$442,979
Net income
-$10,352
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
2014Detailed filing. Detailed filing data is available for this year.$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