Civic Intelligence

Garden State Credit Association

EIN 22-2430054 • 501(c)7 • Strattford, CT

Profile

TRADE ASSOCIATION

1341 Wbroad StreetStrattford, CT 06615

www.gardenstatecreditassociates.com

Siviq Scores

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

Liabilities / Assets

58th percentile

0.00x

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

501(c)7 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

59th percentile

0.00x

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

501(c)7 • <$500k nonprofits • Source year 2018

Net Margin

36th percentile

-7.5%

Higher net margin than 36% of similar nonprofits.

NTEE V • <$500k nonprofits • Source year 2018

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

NTEE V • <$500k nonprofits • Source year 2018

Asset Growth

26th percentile

-13%

Faster asset growth than 26% of similar nonprofits.

501(c)7 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

18th percentile

-23%

Faster revenue growth than 18% of similar nonprofits.

501(c)7 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets58th percentile

Assets

Down

$60,848

Down $9,234 (-13%) from 2017

Liabilities

Flat

$0

Flat from 2017

Net Assets

Down

$60,848

Down $9,234 (-13%) from 2017

Operations
Liabilities / Revenue59th percentileNet Margin36th percentile

Revenue

Down

$62,036

Down $18,584 (-23%) from 2017

Expenses

Down

$66,669

Down $12,766 (-16%) from 2017

Net Income

Down

-$4,633

Down $5,818 (-491%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth26th percentile

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

$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

2018

Assets$60,848
Liabilities$0
Net Assets$60,848
Open 2018 Filing

Operations Trend

Revenue Growth18th percentile

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

2018

Revenue$62,036
Expenses$66,669
Net Income-$4,633
Open 2018 Filing

Filings

Most recent year

2018 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$60,848
Liabilities
$0
Net assets
$60,848
Revenue
$62,036
Expenses
$66,669
Net income
-$4,633
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
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Aug 21, 2019
Return Version
2018v3.1
Gross Receipts
$62,036
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 Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
STEPHEN RAVINPresidentPT$0--
STUART ROSENTHALVP-$0--
HARVEY TOPITZSec/Trea-$0--
Filing and Contact Details

Filer

Filer Name
Garden State Credit Association
EIN
22-2430054
Phone
9173387000
Address
1341 WBROAD STREET, STRATTFORD, CT 06615

Signing Officer

Name
Harvey Topitz
Title
Treasurer
Phone
9173387000
Signed
2019-08-21
Discuss with paid preparer
Yes

Preparer

Firm
Friedman Llp
Address
100 EAGLE ROCK AVENUE SUITE 200, EAST HANOVER, NJ 07936
Preparer
Barry Eckenthal
Phone
9739293500
Supplemental Narrative

Additional Explanations

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

“Description: interest income. Amount: 7.”

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

“Description: meeting expenses. Amount: 52,427. Description: administrative. Amount: 3,027. Description: web site,credit card and bank chgs. Amount: 3,113. Description: insurance. Amount: 1,361. Description: management fee. Amount: 6,000. Description: misc. Amount: 741. Total to form 990-ez, line 16: 66,669.”

Raw XML Appendix113 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/AddressChangeInd0X
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0SARAH KUHNS
IRS990EZ/BooksInCareOfDetail/PhoneNum09173387000
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01341 W BROAD STREET
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0STRATTFORD
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CT
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd006615
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt065481
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt060848
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt0-4633
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt065481
IRS990EZ/Form990TotalAssetsGrp/EOYAmt060848
IRS990EZ/GrossReceiptsAmt062036
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt07
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MembershipDuesAmt03850
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt065481
IRS990EZ/NetAssetsOrFundBalancesEOYAmt060848
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt065481
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt060848
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt05.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt22.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0STEPHEN RAVIN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1STUART ROSENTHAL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2HARVEY TOPITZ
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VP
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SEC/TREA
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt066669
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TRADE ASSOCIATION
IRS990EZ/ProgramServiceRevenueAmt058179
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/TotalExpensesAmt066669
IRS990EZ/TotalRevenueAmt062036
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990EZ/WebsiteAddressTxt0WWW.GARDENSTATECREDITASSOCIATES.COM
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST INCOME. AMOUNT: 7.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: MEETING EXPENSES. AMOUNT: 52,427. DESCRIPTION: ADMINISTRATIVE. AMOUNT: 3,027. DESCRIPTION: WEB SITE,CREDIT CARD AND BANK CHGS. AMOUNT: 3,113. DESCRIPTION: INSURANCE. AMOUNT: 1,361. DESCRIPTION: MANAGEMENT FEE. AMOUNT: 6,000. DESCRIPTION: MISC. AMOUNT: 741. TOTAL TO FORM 990-EZ, LINE 16: 66,669.
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/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0HARVEY TOPITZ
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum09173387000
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-08-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GARDEN STATE CREDIT ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0GARD
ReturnHeader/Filer/EIN0222430054
ReturnHeader/Filer/PhoneNum09173387000
ReturnHeader/Filer/USAddress/AddressLine1Txt01341 WBROAD STREET
ReturnHeader/Filer/USAddress/CityNm0STRATTFORD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CT
ReturnHeader/Filer/USAddress/ZIPCd006615
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0DA39A3EE5E6B4B0D3255BFEF95601890AFD80709
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId04E2F2F5AF0AA56745DE3D63ECD3F8E64835DA826
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0216.255.121.30
ReturnHeader/FilingSecurityInformation/IPDt02019-08-21
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm013:31:44
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0131610809
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FRIEDMAN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0100 EAGLE ROCK AVENUE SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0EAST HANOVER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NJ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd007936
ReturnHeader/PreparerPersonGrp/PhoneNum09739293500
ReturnHeader/PreparerPersonGrp/PreparationDt02019-08-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BARRY ECKENTHAL
ReturnHeader/ReturnTs02019-10-04T15:42:25-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

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