Civic Intelligence

Garden State Credit Associates Inc

990EZ • Fiscal year 2013 • EIN 22-2430054

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 12, 2014

Organization ProfileWWW.GARDENSTATECREDITASSOCIATES.COM
100 Eagle Rock Avenue No 20007936

(973) 929-3500

Siviq Scores

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

Liabilities / Assets

51st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2013 filings • 501(c)7 • <$500k nonprofits • Source year 2013

Liabilities / Revenue

52nd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2013 filings • 501(c)7 • <$500k nonprofits • Source year 2013

Net Margin

27th percentile

-4.7%

Higher net margin than 27% of similar nonprofits.

2013 filings • 501(c)7 • <$500k nonprofits • Source year 2013

Top Officer Pay

89th percentile

$0

Higher top officer pay than 89% of similar nonprofits.

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

2013 filings • 501(c)7 • <$500k nonprofits • Source year 2013

Asset Growth

28th percentile

-5.4%

Faster asset growth than 28% of similar nonprofits.

2013 filings • 501(c)7 • <$500k nonprofits • Annualized from 2012 to 2013

Revenue Growth

83rd percentile

23%

Faster revenue growth than 83% of similar nonprofits.

2013 filings • 501(c)7 • <$500k nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets51st percentile

Assets

Down

$85,789

Down $4,859 (-5.4%) from 2012

Net Assets

Down

$85,789

Down $4,859 (-5.4%) from 2012

Liabilities

Flat

$0

Flat from 2012

Revenue And Expenses
Liabilities / Revenue52nd percentileNet Margin27th percentile

Revenue

Up

$102,889

Up $19,047 (+23%) from 2012

Expenses

Up

$107,748

Up $18,270 (+20%) from 2012

Net Income

Up

-$4,859

Up $777 (+14%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth28th percentile

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

$100K$50K$0Assets 2010: $89,332Liabilities 2010: $0Net Assets 2010: $89,3322010Assets 2011: $96,284Liabilities 2011: $0Net Assets 2011: $96,2842011Assets 2012: $90,648Liabilities 2012: $0Net Assets 2012: $90,6482012Assets 2013: $85,789Liabilities 2013: $0Net Assets 2013: $85,7892013Assets 2014: $70,679Liabilities 2014: $0Net Assets 2014: $70,6792014Assets 2015: $57,816Liabilities 2015: $0Net Assets 2015: $57,8162015Assets 2016: $68,897Liabilities 2016: $0Net Assets 2016: $68,8972016Assets 2017: $70,082Liabilities 2017: $0Net Assets 2017: $70,0822017Assets 2018: $60,848Liabilities 2018: $0Net Assets 2018: $60,8482018

Highlighted filing

2013

Assets$85,789
Liabilities$0
Net Assets$85,789
Open 2013 Filing

Operations Trend

Revenue Growth83rd percentile

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

$150K$100K$50K$0-$50KRevenue 2010: $97,930Expenses 2010: $91,350Net Income 2010: $6,5802010Revenue 2011: $109,533Expenses 2011: $102,581Net Income 2011: $6,9522011Revenue 2012: $83,842Expenses 2012: $89,478Net Income 2012: -$5,6362012Revenue 2013: $102,889Expenses 2013: $107,748Net Income 2013: -$4,8592013Revenue 2014: $88,261Expenses 2014: $103,371Net Income 2014: -$15,1102014Revenue 2015: $93,449Expenses 2015: $106,312Net Income 2015: -$12,8632015Revenue 2016: $67,683Expenses 2016: $56,602Net Income 2016: $11,0812016Revenue 2017: $80,620Expenses 2017: $79,435Net Income 2017: $1,1852017Revenue 2018: $62,036Expenses 2018: $66,669Net Income 2018: -$4,6332018

Highlighted filing

2013

Revenue$102,889
Expenses$107,748
Net Income-$4,859
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 12, 2014
Return Version
2013v3.0
Gross Receipts
$102,889
Mission and Program Overview

Mission

TRADE ASSOCIATION

Program Services

DescriptionGrantsExpenses
NETWORKING ORG TO PROMOTE THE CREDIT INDUSTRY AND THE PROFESSIONALS ENGAGED IN THE BUSINESS.$0$0
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
ANDREW M CHAVKINSec/Treas-$0--
DAN TORTORIELLOPresident-$0--
Filing and Contact Details

Filer

EIN
22-2430054
Phone
9739293500

Signing Officer

Name
Andrew M Chavkin
Title
Treasurer
Phone
9739293500
Signed
2014-11-12
Discuss with paid preparer
Yes

Preparer

Preparer
Andrew M Chavkin
Phone
9739293500
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 4 - Other Investment Income

“Description: interest income. Amount: 10.”

Form 990-ez, Part I, Line 16 - Other Expenses

“Description: meeting expenses. Amount: 107,748.”

Raw XML Appendix98 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
IRS990EZ/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BooksInCareOfDetail/PersonNm0ANDREW M CHAVKIN
IRS990EZ/BooksInCareOfDetail/PhoneNum09739293500
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine10100 EAGLE ROCK AVENUE
IRS990EZ/BooksInCareOfDetail/USAddress/City0EAST HANOVER
IRS990EZ/BooksInCareOfDetail/USAddress/State0NJ
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCode007936
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt090648
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt085789
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt0-4859
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt090648
IRS990EZ/Form990TotalAssetsGrp/EOYAmt085789
IRS990EZ/GrossReceiptsAmt0102889
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt010
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MembershipDuesAmt014760
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt090648
IRS990EZ/NetAssetsOrFundBalancesEOYAmt085789
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt090648
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt085789
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt00.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0ANDREW M CHAVKIN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1DAN TORTORIELLO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0SEC/TREAS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1PRESIDENT
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt0107748
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TRADE ASSOCIATION
IRS990EZ/ProgramServiceRevenueAmt088119
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0NETWORKING ORG TO PROMOTE THE CREDIT INDUSTRY AND THE PROFESSIONALS ENGAGED IN THE BUSINESS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NJ
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TotalExpensesAmt0107748
IRS990EZ/TotalRevenueAmt0102889
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990EZ/WebsiteAddressTxt0WWW.GARDENSTATECREDITASSOCIATES.COM
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST INCOME. AMOUNT: 10.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: MEETING EXPENSES. AMOUNT: 107,748.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ANDREW M CHAVKIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum09739293500
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-12
ReturnHeader/Filer/BusinessName/BusinessNameLine10GARDEN STATE CREDIT ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0GARD
ReturnHeader/Filer/EIN0222430054
ReturnHeader/Filer/PhoneNum09739293500
ReturnHeader/Filer/USAddress/AddressLine10100 EAGLE ROCK AVENUE NO 200
ReturnHeader/Filer/USAddress/City0EAST HANOVER
ReturnHeader/Filer/USAddress/State0NJ
ReturnHeader/Filer/USAddress/ZIPCode007936
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0131610809
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10FRIEDMAN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10100 EAGLE ROCK AVENUE STE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0EAST HANOVER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0NJ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode007936
ReturnHeader/PreparerPersonGrp/PhoneNum09739293500
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANDREW M CHAVKIN
ReturnHeader/ReturnTs02014-11-14T08:10:55-06:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$85,789
Liabilities
$0
Net assets
$85,789
Revenue
$102,889
Expenses
$107,748
Net income
-$4,859
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.61$0.00$0.61$0.62$0.67$0.05
2017Detailed filing. Detailed filing data is available for this year.$0.70$0.00$0.70$0.81$0.79$0.01
2016Detailed filing. Detailed filing data is available for this year.$0.69$0.00$0.69$0.68$0.57$0.11
2015Detailed filing. Detailed filing data is available for this year.$0.58$0.00$0.58$0.93$1.06$0.13
2014Detailed filing. Detailed filing data is available for this year.$0.71$0.00$0.71$0.88$1.03$0.15
2013Detailed filing. Detailed filing data is available for this year.$0.86$0.00$0.86$1.03$1.08$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.91$0.00$0.91$0.84$0.89$0.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.96$0.00$0.96$1.10$1.03$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.89$0.00$0.89$0.98$0.91$0.07
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)7 • <$500k nonprofits