Civic Intelligence

Community Credit Counseling Corporation

990 • Fiscal year 2024 • EIN 04-3418214

Apr 01, 2023 to Mar 31, 2024 • Filed on Jul 25, 2024

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

23.42x

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

2024 filings • NTEE S • <$500k nonprofits • Source year 2024

Liabilities / Revenue

97th percentile

1.77x

Higher debt load relative to revenue than 97% of similar nonprofits.

2024 filings • NTEE S • <$500k nonprofits • Source year 2024

Net Margin

30th percentile

-4.2%

Higher net margin than 30% of similar nonprofits.

2024 filings • NTEE S • <$500k nonprofits • Source year 2024

Top Officer Pay

83rd percentile

$0

Higher top officer pay than 83% of similar nonprofits.

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

2024 filings • NTEE S • <$500k nonprofits • Source year 2024

Asset Growth

59th percentile

7.1%

Faster asset growth than 59% of similar nonprofits.

2024 filings • NTEE S • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

59th percentile

8.2%

Faster revenue growth than 59% of similar nonprofits.

2024 filings • NTEE S • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$4,430

Up $295 (+7.1%) from 2023

Net Assets

Down

-$99,341

Down $2,475 (-2.6%) from 2023

Liabilities

Up

$103,771

Up $2,770 (+2.7%) from 2023

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin30th percentile

Revenue

Up

$58,571

Up $4,449 (+8.2%) from 2023

Expenses

Up

$61,046

Up $3,459 (+6.0%) from 2023

Net Income

Up

-$2,475

Up $990 (+29%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth59th 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

2024

Assets$4,430
Liabilities$103,771
Net Assets-$99,341
Open 2024 Filing

Operations Trend

Revenue Growth59th 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

2024

Revenue$58,571
Expenses$61,046
Net Income-$2,475
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Apr 1, 2023 to Mar 31, 2024
Signed
Jul 25, 2024
Return Version
2023v5.0
Gross Receipts
$58,571
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$1,250▲ $50
Cash and Non-Interest-Bearing Accounts$262$916▲ $654
Prepaid Expenses and Deferred Charges$840$840→ $0
Accounts Receivable$783$374▼ $409
Total Assets$4,135$4,430▲ $295
Other Assets Total$1,050$1,050→ $0
Liabilities
Other Liabilities$47,000$47,046▲ $46
Unsecured Notes Loans Payable$40,900$40,900→ $0
Accounts Payable and Accrued Expenses$13,101$15,825▲ $2,724
Total Liabilities$101,001$103,771▲ $2,770
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-96,866$-99,341▼ $2,475
Total Net Assets Fund Balance$-96,866$-99,341▼ $2,475
Total Liabilities and Net Assets / Fund Balance$4,135$4,430▲ $295

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$1,050--
Compensation and Service Providers
Top Officer Pay83rd percentile

Board Members and Trustees

NameTitle
Charles CapobiancoPresident
Lisa JamisonTrustee
Samuel ZurichTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$20,884
Program Service Revenue
$37,687
Investment Income
$0
Other Revenue
$0
All Other Contributions
$20,884
Change in Net Assets
$-2,475
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$48,538
Salaries, Compensation, and Employee Benefits$12,508
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Occupancy$10,200$1,800-$12,000
Other Salaries and Wages$7,990$1,410-$9,400
Interest$5,164$911-$6,075
Payroll Taxes$2,642$466-$3,108
Fees for Services Accounting-$2,525-$2,525
Office Expenses$2,112$373-$2,485
Other Expenses$2,395$869-$2,395
All Other Expenses$2,016$297-$2,313
Insurance$1,519$268-$1,787
Total Functional Expenses$52,127$8,919$0$61,046
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
Client Trust Fund Payable$46
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
2024-07-25
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 2023/2024, the organization educated approximately 1,200 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 600 counseling sessions, serviced approximately 95 debt management plans for new clients, and 175 for existing clients respectively, and had approximately 27 clients successfully complete their debt management plans.”

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

“For the fiscal year ended march 31, 2024, the organization incurred interest expense of 6,075 on the eidl loan payable.”

Raw XML Appendix335 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt013101
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt015825
IRS990/AccountsReceivableGrp/BOYAmt0783
IRS990/AccountsReceivableGrp/EOYAmt0374
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROVIDE CLIENTS DEBT MANAGEMENT ASSISTANCE AS WELL AS EDUCATIONAL AND COUNSELING SERVICES, WHICH PROMOTE THE RESPONSIBLE USE OF CONSUMER CREDIT AND PERSONAL FINANCES.
IRS990/AllOtherContributionsAmt020884
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt0297
IRS990/AllOtherExpensesGrp/ProgramServicesAmt02016
IRS990/AllOtherExpensesGrp/TotalAmt02313
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0COMMUNITY CREDIT COUNSELING CORP
IRS990/BooksInCareOfDetail/PhoneNum08002209654
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03455 STATE ROUTE 66
IRS990/BooksInCareOfDetail/USAddress/CityNm0NEPTUNE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NJ
IRS990/BooksInCareOfDetail/USAddress/ZIPCd007753
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0262
IRS990/CashNonInterestBearingGrp/EOYAmt0916
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0true
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt020884
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt048538
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt037687
IRS990/CYRevenuesLessExpensesAmt0-2475
IRS990/CYSalariesCompEmpBnftPaidAmt012508
IRS990/CYTotalExpensesAmt061046
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt058571
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0TO 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 2023/2024, THE ORGANIZATION EDUCATED APPROXIMATELY 1,200 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 600 COUNSELING SESSIONS, SERVICED APPROXIMATELY 95 DEBT MANAGEMENT PLANS FOR NEW CLIENTS, AND 175 FOR EXISTING CLIENTS RESPECTIVELY, AND HAD APPROXIMATELY 27 CLIENTS SUCCESSFULLY COMPLETE THEIR DEBT MANAGEMENT PLANS.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt046963
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt02525
IRS990/FeesForServicesAccountingGrp/TotalAmt02525
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/PersonNm0CHARLES CAPOBIANCO
IRS990/Form990PartVIISectionAGrp/PersonNm1SAMUEL ZURICH
IRS990/Form990PartVIISectionAGrp/PersonNm2LISA JAMISON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt2TRUSTEE
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01998
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt03
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt058571
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt03
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt0268
IRS990/InsuranceGrp/ProgramServicesAmt01519
IRS990/InsuranceGrp/TotalAmt01787
IRS990/InterestGrp/ManagementAndGeneralAmt0911
IRS990/InterestGrp/ProgramServicesAmt05164
IRS990/InterestGrp/TotalAmt06075
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE CLIENTS DEBT MANAGEMENT ASSISTANCE AS WELL AS EDUCATIONAL AND COUNSELING SERVICES, WHICH PROMOTE THE RESPONSIBLE USE OF CONSUMER CREDIT AND PERSONAL FINANCES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0-96866
IRS990/NetAssetsOrFundBalancesEOYAmt0-99341
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0-96866
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0-99341
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt01800
IRS990/OccupancyGrp/ProgramServicesAmt010200
IRS990/OccupancyGrp/TotalAmt012000
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0373
IRS990/OfficeExpensesGrp/ProgramServicesAmt02112
IRS990/OfficeExpensesGrp/TotalAmt02485
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01050
IRS990/OtherAssetsTotalGrp/EOYAmt01050
IRS990/OtherExpensesGrp/Desc0EDUCATIONAL SERVICES
IRS990/OtherExpensesGrp/Desc1COMPUTER EXPENSE
IRS990/OtherExpensesGrp/Desc2BANK CHARGES
IRS990/OtherExpensesGrp/Desc3ACCREDITATION SERVICES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0869
IRS990/OtherExpensesGrp/ProgramServicesAmt09400
IRS990/OtherExpensesGrp/ProgramServicesAmt14922
IRS990/OtherExpensesGrp/ProgramServicesAmt23767
IRS990/OtherExpensesGrp/ProgramServicesAmt32395
IRS990/OtherExpensesGrp/TotalAmt09400
IRS990/OtherExpensesGrp/TotalAmt15791
IRS990/OtherExpensesGrp/TotalAmt23767
IRS990/OtherExpensesGrp/TotalAmt32395
IRS990/OtherLiabilitiesGrp/BOYAmt047000
IRS990/OtherLiabilitiesGrp/EOYAmt047046
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt01410
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt07990
IRS990/OtherSalariesAndWagesGrp/TotalAmt09400
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0466
IRS990/PayrollTaxesGrp/ProgramServicesAmt02642
IRS990/PayrollTaxesGrp/TotalAmt03108
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt01200
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt01250
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0840
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0840
IRS990/PrincipalOfficerNm0CHARLES CAPOBIANCO
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0CREDIT COUNSEL SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt037687
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt037687
IRS990/ProgSrvcAccomActyOtherGrp/Desc0FOR THE FISCAL YEAR ENDED MARCH 31, 2024, THE ORGANIZATION INCURRED INTEREST EXPENSE OF 6,075 ON THE EIDL LOAN PAYABLE.
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt05164
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt019330
IRS990/PYExcessBenefitTransInd0false
IRS990/PYOtherExpensesAmt045299
IRS990/PYProgramServiceRevenueAmt034792
IRS990/PYRevenuesLessExpensesAmt0-3465
IRS990/PYSalariesCompEmpBnftPaidAmt012288
IRS990/PYTotalExpensesAmt057587
IRS990/PYTotalRevenueAmt054122
IRS990/ReconcilationRevenueExpnssAmt0-2475
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt020884
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt019330
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt020815
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt034977
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt022672
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0118678
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt037687
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt034792
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt038842
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt043576
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt054945
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt0209842
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0328520
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt058571
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt054122
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt059657
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt078553
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt077617
IRS990ScheduleA/Total509Grp/TotalAmt0328520
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt058571
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt054122
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt059657
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt078553
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt077617
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0328520
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt01050
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0SECURITY DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt047000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt146
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0EIDL LOAN PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CLIENT TRUST FUND PAYABLE
IRS990ScheduleD/TotalBookValueOtherAssetsAmt01050
IRS990ScheduleD/TotalLiabilityAmt047046
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
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 2023/2024, THE ORGANIZATION EDUCATED APPROXIMATELY 1,200 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 600 COUNSELING SESSIONS, SERVICED APPROXIMATELY 95 DEBT MANAGEMENT PLANS FOR NEW CLIENTS, AND 175 FOR EXISTING CLIENTS RESPECTIVELY, AND HAD APPROXIMATELY 27 CLIENTS SUCCESSFULLY COMPLETE THEIR DEBT MANAGEMENT PLANS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FOR THE FISCAL YEAR ENDED MARCH 31, 2024, THE ORGANIZATION INCURRED INTEREST EXPENSE OF 6,075 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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/StatesWhereCopyOfReturnIsFldCd1NJ
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt04135
IRS990/TotalAssetsEOYAmt04430
IRS990/TotalAssetsGrp/BOYAmt04135
IRS990/TotalAssetsGrp/EOYAmt04430
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt020884
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt08919
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt052127
IRS990/TotalFunctionalExpensesGrp/TotalAmt061046
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0101001
IRS990/TotalLiabilitiesEOYAmt0103771
IRS990/TotalLiabilitiesGrp/BOYAmt0101001
IRS990/TotalLiabilitiesGrp/EOYAmt0103771
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-96866
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-99341
IRS990/TotalOtherProgSrvcExpenseAmt05164
IRS990/TotalProgramServiceExpensesAmt052127
IRS990/TotalProgramServiceRevenueAmt037687
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt037687
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt058571
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04135
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04430
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
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/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES CAPOBIANCO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08006634416
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-07-25
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/PreparationDt02024-07-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DAVID P FREY CPA
ReturnHeader/ReturnTs02024-07-25T13:37:37-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0CHARLES
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0CAPOBIANCO
ReturnHeader/TaxPeriodBeginDt02023-04-01
ReturnHeader/TaxPeriodEndDt02024-03-31
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$4,430
Liabilities
$103,771
Net assets
-$99,341
Revenue
$58,571
Expenses
$61,046
Net income
-$2,475
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2024 filings • 501(c)3 • <$500k nonprofits