Civic Intelligence

Garden State Credit Associates Inc

990EZ • Fiscal year 2017 • EIN 22-2430054

Jan 01, 2017 to Dec 31, 2017 • Filed on Jul 16, 2018

Organization ProfileWWW.GARDENSTATECREDITASSOCIATES.COM
100 Eagle Rock Avenue No 200East Hanover, NJ 07936

(973) 929-3500

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.00x

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

2017 filings • 501(c)7 • <$500k nonprofits • Source year 2017

Liabilities / Revenue

53rd percentile

0.00x

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

2017 filings • 501(c)7 • <$500k nonprofits • Source year 2017

Net Margin

45th percentile

1.5%

Higher net margin than 45% of similar nonprofits.

2017 filings • 501(c)7 • <$500k nonprofits • Source year 2017

Top Officer Pay

93rd percentile

$0

Higher top officer pay than 93% of similar nonprofits.

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

2017 filings • 501(c)7 • <$500k nonprofits • Source year 2017

Asset Growth

49th percentile

1.7%

Faster asset growth than 49% of similar nonprofits.

2017 filings • 501(c)7 • <$500k nonprofits • Annualized from 2016 to 2017

Revenue Growth

81st percentile

19%

Faster revenue growth than 81% of similar nonprofits.

2017 filings • 501(c)7 • <$500k nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$70,082

Up $1,185 (+1.7%) from 2016

Net Assets

Up

$70,082

Up $1,185 (+1.7%) from 2016

Liabilities

Flat

$0

Flat from 2016

Revenue And Expenses
Liabilities / Revenue53rd percentileNet Margin45th percentile

Revenue

Up

$80,620

Up $12,937 (+19%) from 2016

Expenses

Up

$79,435

Up $22,833 (+40%) from 2016

Net Income

Down

$1,185

Down $9,896 (-89%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth49th 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

2017

Assets$70,082
Liabilities$0
Net Assets$70,082
Open 2017 Filing

Operations Trend

Revenue Growth81st 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

2017

Revenue$80,620
Expenses$79,435
Net Income$1,185
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jul 16, 2018
Return Version
2017v2.3
Gross Receipts
$80,620
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 Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
ANDREW M CHAVKINSec/TreasPT$0--
STEVE NAPPENPresident-$0--
Filing and Contact Details

Filer

Filer Name
Garden State Credit Association
EIN
22-2430054
Phone
9739293500
Address
100 EAGLE ROCK AVENUE NO 200, EAST HANOVER, NJ 07936

Signing Officer

Name
Andrew M Chavkin
Title
Treasurer
Phone
9739293500
Signed
2018-07-16
Discuss with paid preparer
Yes

Preparer

Firm
Friedman Llp
Address
100 EAGLE ROCK AVENUE STE 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: 67,327. Description: administrative. Amount: 6,071. Description: web site,credit card and bank chgs. Amount: 4,683. Description: insurance. Amount: 1,354. Total to form 990-ez, line 16: 79,435.”

Raw XML Appendix105 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/AddressLine1Txt0100 EAGLE ROCK AVENUE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0EAST HANOVER
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NJ
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd007936
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt068897
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt070082
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt01185
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt068897
IRS990EZ/Form990TotalAssetsGrp/EOYAmt070082
IRS990EZ/GrossReceiptsAmt080620
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt07
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MembershipDuesAmt05958
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt068897
IRS990EZ/NetAssetsOrFundBalancesEOYAmt070082
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt068897
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt070082
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt05.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
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/PersonNm1STEVE NAPPEN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0SEC/TREAS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1PRESIDENT
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt079435
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0TRADE ASSOCIATION
IRS990EZ/ProgramServiceRevenueAmt074655
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/TotalExpensesAmt079435
IRS990EZ/TotalRevenueAmt080620
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990EZ/WebsiteAddressTxt0WWW.GARDENSTATECREDITASSOCIATES.COM
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST INCOME. AMOUNT: 7.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: MEETING EXPENSES. AMOUNT: 67,327. DESCRIPTION: ADMINISTRATIVE. AMOUNT: 6,071. DESCRIPTION: WEB SITE,CREDIT CARD AND BANK CHGS. AMOUNT: 4,683. DESCRIPTION: INSURANCE. AMOUNT: 1,354. TOTAL TO FORM 990-EZ, LINE 16: 79,435.
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/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ANDREW M CHAVKIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum09739293500
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-07-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GARDEN STATE CREDIT ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0GARD
ReturnHeader/Filer/EIN0222430054
ReturnHeader/Filer/PhoneNum09739293500
ReturnHeader/Filer/USAddress/AddressLine1Txt0100 EAGLE ROCK AVENUE NO 200
ReturnHeader/Filer/USAddress/CityNm0EAST HANOVER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NJ
ReturnHeader/Filer/USAddress/ZIPCd007936
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0A82F6A822945E90302F6C111CF9F15ADF59E320A
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0258F858565E5FE04AD1D1A238FCDE06F0EF69E1E
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0216.255.121.30
ReturnHeader/FilingSecurityInformation/IPDt02018-07-16
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm013:35:41
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0131610809
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FRIEDMAN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0100 EAGLE ROCK AVENUE STE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0EAST HANOVER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NJ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd007936
ReturnHeader/PreparerPersonGrp/PhoneNum09739293500
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BARRY ECKENTHAL
ReturnHeader/ReturnTs02018-08-28T13:27:48-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$70,082
Liabilities
$0
Net assets
$70,082
Revenue
$80,620
Expenses
$79,435
Net income
$1,185
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