Civic Intelligence

Community Credit Counseling Corporation

990 • Fiscal year 2023 • EIN 04-3418214

Apr 01, 2022 to Mar 31, 2023 • Filed on Jul 18, 2023

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

24.43x

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

2023 filings • NTEE S • <$500k nonprofits • Source year 2023

Liabilities / Revenue

96th percentile

1.87x

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

2023 filings • NTEE S • <$500k nonprofits • Source year 2023

Net Margin

29th percentile

-6.4%

Higher net margin than 29% of similar nonprofits.

2023 filings • NTEE S • <$500k nonprofits • Source year 2023

Top Officer Pay

82nd percentile

$0

Higher top officer pay than 82% of similar nonprofits.

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

2023 filings • NTEE S • <$500k nonprofits • Source year 2023

Asset Growth

22nd percentile

-19%

Faster asset growth than 22% of similar nonprofits.

2023 filings • NTEE S • <$500k nonprofits • Annualized from 2022 to 2023

Revenue Growth

33rd percentile

-9.3%

Faster revenue growth than 33% of similar nonprofits.

2023 filings • NTEE S • <$500k nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets99th percentile

Assets

Down

$4,135

Down $986 (-19%) from 2022

Net Assets

Down

-$96,866

Down $3,465 (-3.7%) from 2022

Liabilities

Up

$101,001

Up $2,479 (+2.5%) from 2022

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin29th percentile

Revenue

Down

$54,122

Down $5,535 (-9.3%) from 2022

Expenses

Down

$57,587

Down $13,952 (-20%) from 2022

Net Income

Up

-$3,465

Up $8,417 (+71%) from 2022

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-$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

2023

Assets$4,135
Liabilities$101,001
Net Assets-$96,866
Open 2023 Filing

Operations Trend

Revenue Growth33rd 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

2023

Revenue$54,122
Expenses$57,587
Net Income-$3,465
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Apr 1, 2022 to Mar 31, 2023
Signed
Jul 18, 2023
Return Version
2022v5.0
Gross Receipts
$54,122
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$1,200$1,200→ $0
Prepaid Expenses and Deferred Charges$840$840→ $0
Accounts Receivable$536$783▲ $247
Cash and Non-Interest-Bearing Accounts$1,495$262▼ $1,233
Total Assets$5,121$4,135▼ $986
Other Assets Total$1,050$1,050→ $0
Liabilities
Other Liabilities$47,000$47,000→ $0
Unsecured Notes Loans Payable$40,900$40,900→ $0
Accounts Payable and Accrued Expenses$10,622$13,101▲ $2,479
Total Liabilities$98,522$101,001▲ $2,479
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-93,401$-96,866▼ $3,465
Total Net Assets Fund Balance$-93,401$-96,866▼ $3,465
Total Liabilities and Net Assets / Fund Balance$5,121$4,135▼ $986

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$1,050--
Compensation and Service Providers
Top Officer Pay82nd percentile

Board Members and Trustees

NameTitle
Charles CapobiancoPresident
Lisa JamisonTrustee
Samuel ZurichTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$19,330
Program Service Revenue
$34,792
Investment Income
$0
Other Revenue
$0
All Other Contributions
$19,330
Change in Net Assets
$-3,465
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$45,299
Salaries, Compensation, and Employee Benefits$12,288
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Occupancy$10,651$1,880-$12,531
Other Salaries and Wages$8,033$1,418-$9,451
Payroll Taxes$2,411$426-$2,837
Other Expenses$2,381$420-$2,801
Fees for Services Accounting-$2,525-$2,525
All Other Expenses$2,308$15-$2,323
Office Expenses$1,838$324-$2,162
Insurance$1,517$268-$1,785
Total Functional Expenses$49,395$8,192$0$57,587
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$47,000
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
2023-07-18
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 2022/2023, the organization educated approximately 1,400 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 650 counseling sessions, serviced approximately 125 debt management plans for new clients, and 180 for existing clients respectively, and had approximately 21 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 2022/2023, THE ORGANIZATION EDUCATED APPROXIMATELY 1,400 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 650 COUNSELING SESSIONS, SERVICED APPROXIMATELY 125 DEBT MANAGEMENT PLANS FOR NEW CLIENTS, AND 180 FOR EXISTING CLIENTS RESPECTIVELY, AND HAD APPROXIMATELY 21 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
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/StatesWhereCopyOfReturnIsFldCd1NJ
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05121
IRS990/TotalAssetsEOYAmt04135
IRS990/TotalAssetsGrp/BOYAmt05121
IRS990/TotalAssetsGrp/EOYAmt04135
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt019330
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt08192
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt049395
IRS990/TotalFunctionalExpensesGrp/TotalAmt057587
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt098522
IRS990/TotalLiabilitiesEOYAmt0101001
IRS990/TotalLiabilitiesGrp/BOYAmt098522
IRS990/TotalLiabilitiesGrp/EOYAmt0101001
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-93401
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-96866
IRS990/TotalProgramServiceExpensesAmt049395
IRS990/TotalProgramServiceRevenueAmt034792
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt034792
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt054122
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05121
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04135
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt040900
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt040900
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IRS990/USAddress/CityNm0EAST NORTHPORT
IRS990/USAddress/StateAbbreviationCd0NY
IRS990/USAddress/ZIPCd011731
IRS990/VotingMembersGoverningBodyCnt03
IRS990/VotingMembersIndependentCnt03
IRS990/WebsiteAddressTxt0WWW.COMMCREDIT.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES CAPOBIANCO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08006634416
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-07-18
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
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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/PreparationDt02023-07-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DAVID P FREY CPA
ReturnHeader/ReturnTs02023-07-18T14:37:09-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0CHARLES
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0CAPOBIANCO
ReturnHeader/TaxPeriodBeginDt02022-04-01
ReturnHeader/TaxPeriodEndDt02023-03-31
ReturnHeader/TaxYr02022

Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,135
Liabilities
$101,001
Net assets
-$96,866
Revenue
$54,122
Expenses
$57,587
Net income
-$3,465
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
2023Detailed filing. Detailed filing data is available for this year.$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