Civic Intelligence

New York Credit & Financial Mgmt Assoc

EIN 13-5582851 • 501(c)6 • South Plainfield, NJ

View Organization Page

Profile

Providing members with professional

51 Cragwood RoadSouth Plainfield, NJ 07080

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

99th percentile

1.68x

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

501(c)6 • $500k-$1M nonprofits • Source year 2019

Liabilities / Revenue

99th percentile

2.59x

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

501(c)6 • $500k-$1M nonprofits • Source year 2019

Net Margin

15th percentile

-12%

Higher net margin than 15% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2019

Top Officer Pay

68th percentile

$95,000

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 26.6% of source-year revenue.

501(c)6 • $500k-$1M nonprofits • Source year 2019

Asset Growth

26th percentile

-5.8%

Faster asset growth than 26% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2018 to 2019

Revenue Growth

25th percentile

-4.7%

Faster revenue growth than 25% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets99th percentile

Assets

Down

$549,776

Down $33,822 (-5.8%) from 2018

Liabilities

Up

$924,278

Up $9,229 (+1.0%) from 2018

Net Assets

Down

-$374,502

Down $43,051 (-13%) from 2018

Operations
Liabilities / Revenue99th percentileNet Margin15th percentile

Revenue

Down

$357,349

Down $17,773 (-4.7%) from 2018

Expenses

Down

$398,759

Down $9,871 (-2.4%) from 2018

Net Income

Down

-$41,410

Down $7,902 (-24%) from 2018

Trend Graphs

Balance Sheet Trend

Asset Growth26th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$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

2019

Assets$549,776
Liabilities$924,278
Net Assets-$374,502
Open 2019 Filing

Operations Trend

Revenue Growth25th percentile

Revenue, expenses, and net income by year, with the latest 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

2019

Revenue$357,349
Expenses$398,759
Net Income-$41,410
Open 2019 Filing

Filings

Most recent year

2019 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$549,776
Liabilities
$924,278
Net assets
-$374,502
Revenue
$357,349
Expenses
$398,759
Net income
-$41,410
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
Latest Detailed Filing

The latest 2019 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2015 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 15, 2016
Return Version
2015v2.1
Gross Receipts
$229,997
Mission and Program Overview

Mission

Providing members with professional credit management programs and services

Balance Sheet Detail
LineBeginningEndChange
Assets
Intangible Assets-$579,999-
Accounts Receivable$9,579$206,843▲ $197,264
Cash and Non-Interest-Bearing Accounts-$63,961-
Other Notes and Loans Receivable, Net$41,854--
Savings and Temporary Cash Investments-$30,000-
Prepaid Expenses and Deferred Charges-$2,222-
Rtn Earn Endowment Incm Other Fnds$3,001$-25,739▼ $28,740
Total Assets$51,433$883,025▲ $831,592
Liabilities
Mortgage Notes Payable Secured by Investment Property-$600,000-
Deferred Revenue$35,183$190,819▲ $155,636
Accounts Payable and Accrued Expenses$13,249$117,945▲ $104,696
Total Liabilities$48,432$908,764▲ $860,332
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,001$-25,739▼ $28,740
Total Liabilities and Net Assets / Fund Balance$51,433$883,025▲ $831,592
Compensation and Service Providers
Top Officer Pay68th percentile

Employees

NameTitleFull / Part TimeBaseTotal
John MihalioChairmanPT$36,286$36,286
Harris SemegramDirectorPT$35,000$35,000
Kerry Prata--$35,000$35,000

Board Members and Trustees

NameTitle
Kerry PrataFormer President
Lyle WallisPresident
Eric Mann1st Vice Chair
Steve Renschen2nd Vice Chair
Bonnie GerrityDirector
Brendan DunphyDirector
Denise ReyesDirector
George HerriottDirector
Gerald SahdDirector
Greg AndonianDirector
Jessie JaworskiDirector
John EberhardtDirector
Joseph McnamaraDirector
Kelly CeranskyDirector
Ken FriscoDirector
Rob SantoDirector
Shyarsh DesaiDirector
Tully TownsendDirector
JeanneEmployee
Shawn RossTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$229,997
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-27,089
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$166,543
Salaries, Compensation, and Employee Benefits$90,543
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$40,456--$40,456
Current Officers, Directors, Trustees, and Key Employees-$35,000-$35,000
Information Technology$33,474$311-$33,785
Fees for Services Other$27,790$1,521-$29,311
Depreciation Depletion$20,001--$20,001
Conferences and Meetings$16,698--$16,698
Interest-$8,978-$8,978
Payroll Taxes$8,567--$8,567
Other Employee Benefits$5,559--$5,559
Office Expenses$323$4,360-$4,683
All Other Expenses$4,231--$4,231
Travel-$3,721-$3,721
Insurance-$2,121-$2,121
Pension Plan Contributions$961--$961
Other Expenses$163$30-$30
Total Functional Expenses$158,223$98,863$0$257,086
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

Filer Name
New York Credit & Financial Mgmt Assoc
EIN
13-5582851
Phone
2017144526
Address
51 CRAGWOOD ROAD, SOUTH PLAINFIELD, NJ 07080

Signing Officer

Name
Lyle Wallis
Title
President
Phone
2017144526
Signed
2016-08-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kerry Prata
Formed
1896
Legal Domicile
Nj
Voting Board Members
20
Independent Board Members
20
Employees
0
Volunteers
0

Preparer

Firm
Anthony M Gagliardi CPA
Address
210 PORTSIDE DR, SNEADS FERRY, NC 28460
Preparer
Anthony M Gagliardi
Phone
9107424134
Supplemental Narrative

Additional Explanations

Pt VI, Line 3

“Article V of ByLaws provide for outside management services”

Pt VI, Line 6

“Has members”

Pt VI, Line 7A

“Article V of ByLaws provide for 2 members to serve”

Pt VI, Line 7B

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

Pt VI, Line 11B

“Preparation & review of financials prepared by servicing organization reviewed by President.Tax preparer reviews return with service organization & President before release”

Pt VI, Line 19

“Furnished upon request”

Form 990EZ, Part I, Line 16

“BANK SERVICE CHARGES”

Form 990EZ, Part I, Line 16

“COMPUTER EXPENSES”

Form 990EZ, Part I, Line 16

“Education events, exhibits & seminars”

Form 990EZ, Part I, Line 16

“Miscellaneous expense adjustments”

Form 990EZ, Part I, Line 16

“INTERNET EXPENSE”

Form 990EZ, Part I, Line 16

“TELEPHONE”

Form 990EZ, Part I, Line 16

“MARKETING EXPENSE”

Form 990EZ, Part I, Line 16

“MEETING EXPENSE”

Form 990EZ, Part I, Line 16

“National assoc of credit managers-fees”

Form 990EZ, Part I, Line 16

“OFFICE SUPPLIES”

Form 990EZ, Part I, Line 16

“MEALS”

Form 990EZ, Part I, Line 16

“TRAVEL EXPENSES”

Form 990EZ, Part I, Line 16

“LICENSE/PERMITS”

Form 990EZ, Part I, Line 16

“INSURANCE”

Form 990EZ, Part I, Line 16

“EQUIPMENT RENTAL”

Form 990EZ, Part I, Line 16

“DUES ANDSUBSCRIPTIONS”

Form 990EZ, Part II, Line 24

“ACCOUNTS RECEIVABLE”

Form 990EZ, Part II, Line 26

“DEFERRED INCOME”

Form 990, Part IX, Line 24E

“TRADESHOWS 500. 500.”

Form 990, Part IX, Line 24E

“Network education 3731. 3731.”

Raw XML AppendixShowing 400 of 451 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
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IRS990/InsuranceGrp/ManagementAndGeneralAmt02121
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IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt05559
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IRS990/OtherExpensesGrp/Desc0Marketing expense
IRS990/OtherExpensesGrp/Desc1Outside support services
IRS990/OtherExpensesGrp/Desc2DUES/SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
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IRS990/OtherExpensesGrp/TotalAmt23675
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Article V of ByLaws provide for outside management services
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Has members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Article V of ByLaws provide for 2 members to serve
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Article III of ByLaws provide for majority vote on organizational matters
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Preparation & review of financials prepared by servicing organization reviewed by President.Tax preparer reviews return with service organization & President before release
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Furnished upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BANK SERVICE CHARGES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7COMPUTER EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8EDUCATION EVENTS, EXHIBITS & SEMINARS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9MISCELLANEOUS EXPENSE ADJUSTMENTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10INTERNET EXPENSE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11TELEPHONE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12MARKETING EXPENSE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13MEETING EXPENSE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14NATIONAL ASSOC OF CREDIT MANAGERS-FEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15OFFICE SUPPLIES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16MEALS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17TRAVEL EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18LICENSE/PERMITS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19INSURANCE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt20EQUIPMENT RENTAL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt21DUES ANDSUBSCRIPTIONS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt22ACCOUNTS RECEIVABLE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt23DEFERRED INCOME
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt24TRADESHOWS 500. 500.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt25NETWORK EDUCATION 3731. 3731.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc17Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc18Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc19Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc20Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc21Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc22Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc23Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc24Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc25Form 990, Part IX, Line 24e
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IRS990/TotalLiabilitiesEOYAmt0908764
IRS990/TotalLiabilitiesGrp/BOYAmt048432
IRS990/TotalLiabilitiesGrp/EOYAmt0908764

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