Civic Intelligence

New York Credit & Financial Mgmt Assoc

990 • Fiscal year 2013 • EIN 13-5582851

Jan 01, 2013 to Dec 31, 2013 • Filed on Jul 31, 2014

Organization ProfileN/A

View Organization Page

51 Cragwood Road07080

(201) 714-4544

Siviq Scores

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

Liabilities / Assets

97th percentile

1.14x

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

2013 filings • 501(c)6 • <$500k nonprofits • Source year 2013

Liabilities / Revenue

76th percentile

0.08x

Higher debt load relative to revenue than 76% of similar nonprofits.

2013 filings • 501(c)6 • <$500k nonprofits • Source year 2013

Net Margin

68th percentile

9.8%

Higher net margin than 68% of similar nonprofits.

2013 filings • 501(c)6 • <$500k nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

98th percentile

237%

Faster asset growth than 98% of similar nonprofits.

2013 filings • 501(c)6 • <$500k nonprofits • Annualized from 2012 to 2013

Revenue Growth

73rd percentile

15%

Faster revenue growth than 73% of similar nonprofits.

2013 filings • 501(c)6 • <$500k nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets97th percentile

Assets

Up

$20,202

Up $14,202 (+237%) from 2012

Net Assets

Up

-$2,775

Up $21,305 (+88%) from 2012

Liabilities

Down

$22,977

Down $7,103 (-24%) from 2012

Revenue And Expenses
Liabilities / Revenue76th percentileNet Margin68th percentile

Revenue

Up

$272,084

Up $34,641 (+15%) from 2012

Expenses

Up

$245,528

Up $6,092 (+2.5%) from 2012

Net Income

Up

$26,556

Up $28,549 (+1432%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth98th percentile

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

$1.0M$500K$0-$500KAssets 2011: $13,500Liabilities 2011: $40,761Net Assets 2011: -$27,2612011Assets 2012: $6,000Liabilities 2012: $30,080Net Assets 2012: -$24,0802012Assets 2013: $20,202Liabilities 2013: $22,977Net Assets 2013: -$2,7752013Assets 2014: $51,433Liabilities 2014: $48,432Net Assets 2014: $3,0012014Assets 2015: $883,025Liabilities 2015: $908,764Net Assets 2015: -$25,7392015Assets 2016: $640,970Liabilities 2016: $821,870Net Assets 2016: -$180,9002016Assets 2017: $624,132Liabilities 2017: $922,592Net Assets 2017: -$298,4602017Assets 2018: $583,598Liabilities 2018: $915,049Net Assets 2018: -$331,4512018Assets 2019: $549,776Liabilities 2019: $924,278Net Assets 2019: -$374,5022019

Highlighted filing

2013

Assets$20,202
Liabilities$22,977
Net Assets-$2,775
Open 2013 Filing

Operations Trend

Revenue Growth73rd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$600K$400K$200K$0-$200KRevenue 2011: $222,801Expenses 2011: $224,673Net Income 2011: -$1,8722011Revenue 2012: $237,443Expenses 2012: $239,436Net Income 2012: -$1,9932012Revenue 2013: $272,084Expenses 2013: $245,528Net Income 2013: $26,5562013Revenue 2014: $277,464Expenses 2014: $271,688Net Income 2014: $5,7762014Revenue 2015: $229,997Expenses 2015: $257,086Net Income 2015: -$27,0892015Revenue 2016: $441,685Expenses 2016: $596,438Net Income 2016: -$154,7532016Revenue 2017: $436,937Expenses 2017: $554,497Net Income 2017: -$117,5602017Revenue 2018: $375,122Expenses 2018: $408,630Net Income 2018: -$33,5082018Revenue 2019: $357,349Expenses 2019: $398,759Net Income 2019: -$41,4102019

Highlighted filing

2013

Revenue$272,084
Expenses$245,528
Net Income$26,556
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jul 31, 2014
Return Version
2013v3.1
Gross Receipts
$272,084
Mission and Program Overview

Mission

Providing members with professional credit management programs and services

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$6,000$20,202▲ $14,202
Rtn Earn Endowment Incm Other Fnds$-24,080$-2,775▲ $21,305
Total Assets$6,000$20,202▲ $14,202
Liabilities
Deferred Revenue$30,080$22,977▼ $7,103
Total Liabilities$30,080$22,977▼ $7,103
Net Assets / Fund Balance
Total Net Assets Fund Balance$-24,080$-2,775▲ $21,305
Total Liabilities and Net Assets / Fund Balance$6,000$20,202▲ $14,202
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Harris SemegramChairman
Kerry PrataInterim President
Joseph Mcnamara1st Vice Chairman
John Mihalio2nd Vice Chairman
Austin NooneyDirector
Charles ScottDirector
Jessie JaworskiDirector
John BroderickDirector
John EberhardtDirector
Joseph De JianneDirector
Ken FriscoDirector
Kenneth CruzDirector
Lyle WallisDirector
Mitchell KahanDirector
Paul RuzgaDirector
Shawn RossDirector
Steve RenschenDirector
Eric MannTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$272,084
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$26,556
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$245,528
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$40,432$57-$40,489
Fees for Services Legal-$6,458-$6,458
Fees for Services Other-$2,355-$2,355
Fees for Services Accounting-$1,200-$1,200
Travel-$1,014-$1,014
Other Expenses$126,751$539-$539
Conferences and Meetings$457--$457
Office Expenses$145$145-$290
Insurance-$105-$105
Total Functional Expenses$168,230$77,298$0$245,528
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
Backup withholding compliance
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes
Filing and Contact Details

Filer

EIN
13-5582851
Phone
2017144544

Signing Officer

Name
Kerry Prata
Title
President
Phone
2017144544
Signed
2014-07-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kerry Prata
Formed
1896
Legal Domicile
Nj
Voting Board Members
18
Independent Board Members
18
Employees
0
Volunteers
0

Preparer

Preparer
Anthony M Gagliardi
Phone
9107424134
Supplemental Narrative

Additional Explanations

Pt VI, Line 3

“Article V of By Laws provide for outside management services”

Pt VI, Line 6

“Has members”

Pt VI, Line 7A

“Article V of By Laws provide for 2 members to serve”

Pt VI, Line 7B

“Article III of By Laws provide for majority vote on organizational matters”

Pt VI, Line 19

“Furnished upon request”

Pt VI, Line 11B

“Preparation & review of financials made by servicing organization”

Pt VI, Line 11B

“& reviewed by VP Finance. Tax preparer reviews”

Pt VI, Line 11B

“return with servicing organization & President before release”

Pt XI

“Deferred income adjustment”

Form 990EZ, Part I, Line 16

“Bank service charges computer expenses education events, exhibits & seminars miscellaneous expense adjustments internet expense telephone marketing expense meeting expense national assoc of credit managers-fees office supplies meals travel expenses license/permits insurance equipment rental dues andsubscriptions”

Form 990EZ, Part II, Line 24

“ACCOUNTS RECEIVABLE”

Form 990EZ, Part II, Line 26

“DEFERRED INCOME”

Form 990, Part IX, Line 24F

“National assoc of credit mgrs-dues 31503. 31503. Miscellaneous 57. 57. Network education 8929. 8929.”

Raw XML Appendix319 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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IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13Interim President
IRS990/Form990PartVIISectionAGrp/TitleTxt14Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt151st Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt162nd Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt17Treasurer
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Article V of By Laws provide for outside management services
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Has members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Article V of By Laws provide for 2 members to serve
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Article III of By Laws provide for majority vote on organizational matters
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Furnished upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Preparation & review of financials made by servicing organization
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6& reviewed by VP Finance. Tax preparer reviews
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7return with servicing organization & President before release
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Deferred income adjustment
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9BANK SERVICE CHARGES COMPUTER EXPENSES EDUCATION EVENTS, EXHIBITS & SEMINARS MISCELLANEOUS EXPENSE ADJUSTMENTS INTERNET EXPENSE TELEPHONE MARKETING EXPENSE MEETING EXPENSE NATIONAL ASSOC OF CREDIT MANAGERS-FEES OFFICE SUPPLIES MEALS TRAVEL EXPENSES LICENSE/PERMITS INSURANCE EQUIPMENT RENTAL DUES ANDSUBSCRIPTIONS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10ACCOUNTS RECEIVABLE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11DEFERRED INCOME
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12NATIONAL ASSOC OF CREDIT MGRS-DUES 31503. 31503. MISCELLANEOUS 57. 57. NETWORK EDUCATION 8929. 8929.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 3
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt XI
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990, Part IX, Line 24f
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ReturnHeader/BuildTS02015-11-30 17:44:51Z
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ReturnHeader/Filer/USAddress/AddressLine1051 CRAGWOOD ROAD
ReturnHeader/Filer/USAddress/City0SOUTH PLAINFIELD
ReturnHeader/Filer/USAddress/State0NJ
ReturnHeader/Filer/USAddress/ZIPCode007080
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10ANTHONY M GAGLIARDI CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10210 PORTSIDE DR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0SNEADS FERRY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode028460
ReturnHeader/PreparerPersonGrp/PhoneNum09107424134
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANTHONY M GAGLIARDI
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-07-31T08:36:27-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$20,202
Liabilities
$22,977
Net assets
-$2,775
Revenue
$272,084
Expenses
$245,528
Net income
$26,556
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.50$9.24$3.75$3.57$3.99$0.41
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.84$9.15$3.31$3.75$4.09$0.34
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.24$9.23$2.98$4.37$5.54$1.18
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.41$8.22$1.81$4.42$5.96$1.55
2015Detailed filing. Detailed filing data is available for this year.$8.83$9.09$0.26$2.30$2.57$0.27
2014Detailed filing. Detailed filing data is available for this year.$0.51$0.48$0.03$2.77$2.72$0.06
2013Detailed filing. Detailed filing data is available for this year.$0.20$0.23$0.03$2.72$2.46$0.27
2012Summary only. Only limited summary data is available for this year.$0.06$0.30$0.24$2.37$2.39$0.02
2011Summary only. Only limited summary data is available for this year.$0.14$0.41$0.27$2.23$2.25$0.02