Civic Intelligence

Community Credit Counseling Corporation

990 • Fiscal year 2020 • EIN 04-3418214

Apr 01, 2019 to Mar 31, 2020 • Filed on Aug 05, 2020

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

99th percentile

13.60x

Higher debt load relative to assets than 99% of similar nonprofits.

2020 filings • NTEE S • <$500k nonprofits • Source year 2020

Liabilities / Revenue

94th percentile

1.07x

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

2020 filings • NTEE S • <$500k nonprofits • Source year 2020

Net Margin

26th percentile

-12%

Higher net margin than 26% of similar nonprofits.

2020 filings • NTEE S • <$500k nonprofits • Source year 2020

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.

2020 filings • NTEE S • <$500k nonprofits • Source year 2020

Asset Growth

57th percentile

7.3%

Faster asset growth than 57% of similar nonprofits.

2020 filings • NTEE S • <$500k nonprofits • Annualized from 2019 to 2020

Revenue Growth

44th percentile

-23%

Faster revenue growth than 44% of similar nonprofits.

2020 filings • NTEE S • <$500k nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$6,134

Up $415 (+7.3%) from 2019

Net Assets

Down

-$77,265

Down $9,492 (-14%) from 2019

Liabilities

Up

$83,399

Up $9,907 (+13%) from 2019

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin26th percentile

Revenue

Down

$77,617

Down $23,010 (-23%) from 2019

Expenses

Down

$87,109

Down $13,233 (-13%) from 2019

Net Income

Down

-$9,492

Down $9,777 (-3431%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth57th 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

2020

Assets$6,134
Liabilities$83,399
Net Assets-$77,265
Open 2020 Filing

Operations Trend

Revenue Growth44th 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

2020

Revenue$77,617
Expenses$87,109
Net Income-$9,492
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Apr 1, 2019 to Mar 31, 2020
Signed
Aug 5, 2020
Return Version
2019v5.0
Gross Receipts
$77,617
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
Cash and Non-Interest-Bearing Accounts$2,759$2,214▼ $545
Pledges and Grants Receivable-$1,250-
Prepaid Expenses and Deferred Charges$1,189$1,189→ $0
Accounts Receivable$721$431▼ $290
Total Assets$5,719$6,134▲ $415
Other Assets Total$1,050$1,050→ $0
Liabilities
Unsecured Notes Loans Payable$43,900$49,900▲ $6,000
Accounts Payable and Accrued Expenses$29,592$33,499▲ $3,907
Total Liabilities$73,492$83,399▲ $9,907
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-67,773$-77,265▼ $9,492
Total Net Assets Fund Balance$-67,773$-77,265▼ $9,492
Total Liabilities and Net Assets / Fund Balance$5,719$6,134▲ $415

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$1,050--
Compensation and Service Providers
Top Officer Pay79th percentile

Board Members and Trustees

NameTitle
Charles CapobianoPresident
Lisa JamisonTrustee
Samuel ZurichTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$22,672
Program Service Revenue
$54,945
Investment Income
$0
Other Revenue
$0
All Other Contributions
$22,672
Change in Net Assets
$-9,492
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$62,918
Salaries, Compensation, and Employee Benefits$24,191
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$17,170$3,030-$20,200
Occupancy$10,831$1,911-$12,742
Other Expenses$4,856$857-$5,713
Payroll Taxes$3,392$599-$3,991
Office Expenses$3,185$562-$3,747
All Other Expenses$3,276$83-$3,359
Fees for Services Accounting-$2,800-$2,800
Insurance$1,797$317-$2,114
Total Functional Expenses$75,567$11,542$0$87,109
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
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 Capobiano
Title
President
Phone
8006634416
Signed
2020-08-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Charles Capobiano
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 2019/2020, the organization educated approximately 1,850 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 1,000 counseling sessions, serviced approximately 150 debt management plans for new clients, and 220 for existing clients respectively, and had approximately 40 clients successfully complete their debt management plans.”

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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 2019/2020, THE ORGANIZATION EDUCATED APPROXIMATELY 1,850 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 1,000 COUNSELING SESSIONS, SERVICED APPROXIMATELY 150 DEBT MANAGEMENT PLANS FOR NEW CLIENTS, AND 220 FOR EXISTING CLIENTS RESPECTIVELY, AND HAD APPROXIMATELY 40 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/StatesWhereCopyOfReturnIsFldCd1MA
IRS990/StatesWhereCopyOfReturnIsFldCd2NJ
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05719
IRS990/TotalAssetsEOYAmt06134
IRS990/TotalAssetsGrp/BOYAmt05719
IRS990/TotalAssetsGrp/EOYAmt06134
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt022672
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt011542
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt075567
IRS990/TotalFunctionalExpensesGrp/TotalAmt087109
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt073492
IRS990/TotalLiabilitiesEOYAmt083399
IRS990/TotalLiabilitiesGrp/BOYAmt073492
IRS990/TotalLiabilitiesGrp/EOYAmt083399
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-67773
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-77265
IRS990/TotalProgramServiceExpensesAmt075567
IRS990/TotalProgramServiceRevenueAmt054945
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt054945
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt077617
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05719
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06134
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt043900
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt049900
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/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES CAPOBIANO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08006634416
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-08-05
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/FilingSecurityInformation/AtSubmissionCreationDeviceId096E8536A97211EA9DA0ED7D283D158A961B24277
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId066E6E2EDFB6179114DCEF19EEAAB287ED91BE9B4
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt096.239.64.202
ReturnHeader/FilingSecurityInformation/IPDt02020-08-07
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm010:07:35
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/PreparationDt02020-08-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DAVID P FREY CPA
ReturnHeader/ReturnTs02020-08-07T10:07:35-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-04-01
ReturnHeader/TaxPeriodEndDt02020-03-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,134
Liabilities
$83,399
Net assets
-$77,265
Revenue
$77,617
Expenses
$87,109
Net income
-$9,492
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
2020Detailed filing. Detailed filing data is available for this year.$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