Civic Intelligence

Cooperative Business Assistance Corporation

EIN 22-2807816 • 501(c)3 • Camden, NJ

View Organization Page

Profile

Economic and community development

328 Market StreetCamden, NJ 08102

www.cbaclenders.com

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.50x

Higher debt load relative to assets than 73% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

95th percentile

5.93x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Net Margin

48th percentile

3.7%

Higher net margin than 48% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

34th percentile

$204,966

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 9.7% of source-year revenue.

501(c)3 • $25M-$50M nonprofits • Source year 2025

Asset Growth

17th percentile

-4.0%

Faster asset growth than 17% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Revenue Growth

9th percentile

-25%

Faster revenue growth than 9% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Down

$25,121,325

Down $1,046,087 (-4.0%) from 2024

Liabilities

Down

$12,548,681

Down $1,123,409 (-8.2%) from 2024

Net Assets

Up

$12,572,644

Up $77,322 (+0.6%) from 2024

Operations
Liabilities / Revenue95th percentileNet Margin48th percentile

Revenue

Down

$2,115,500

Down $716,191 (-25%) from 2024

Expenses

Down

$2,038,178

Down $478,167 (-19%) from 2024

Net Income

Down

$77,322

Down $238,024 (-75%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth17th percentile

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

$30M$20M$10M$0Assets 2011: $17,937,164Liabilities 2011: $11,677,865Net Assets 2011: $6,259,2992011Assets 2012: $17,835,395Liabilities 2012: $11,595,023Net Assets 2012: $6,240,3722012Assets 2013: $18,575,235Liabilities 2013: $12,578,614Net Assets 2013: $5,996,6212013Assets 2014: $17,705,266Liabilities 2014: $11,767,145Net Assets 2014: $5,938,1212014Assets 2015: $18,149,952Liabilities 2015: $12,217,436Net Assets 2015: $5,932,5162015Assets 2016: $16,991,259Liabilities 2016: $11,022,709Net Assets 2016: $5,968,5502016Assets 2017: $18,385,757Liabilities 2017: $12,377,406Net Assets 2017: $6,008,3512017Assets 2018: $19,014,927Liabilities 2018: $12,966,283Net Assets 2018: $6,048,6442018Assets 2019: $19,274,810Liabilities 2019: $13,010,325Net Assets 2019: $6,264,4852019Assets 2020: $19,630,281Liabilities 2020: $13,299,716Net Assets 2020: $6,330,5652020Assets 2021: $22,451,383Liabilities 2021: $14,027,541Net Assets 2021: $8,423,8422021Assets 2022: $25,530,921Liabilities 2022: $13,880,345Net Assets 2022: $11,650,5762022Assets 2023: $27,073,706Liabilities 2023: $14,893,730Net Assets 2023: $12,179,9762023Assets 2024: $26,167,412Liabilities 2024: $13,672,090Net Assets 2024: $12,495,3222024Assets 2025: $25,121,325Liabilities 2025: $12,548,681Net Assets 2025: $12,572,6442025

Highlighted filing

2025

Assets$25,121,325
Liabilities$12,548,681
Net Assets$12,572,644
Open 2025 Filing

Operations Trend

Revenue Growth9th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2011: $1,832,4172011Expenses 2012: $1,723,6142012Expenses 2013: $1,762,8492013Revenue 2014: $1,437,399Expenses 2014: $1,495,899Net Income 2014: -$58,5002014Revenue 2015: $1,580,584Expenses 2015: $1,586,189Net Income 2015: -$5,6052015Revenue 2016: $1,751,103Expenses 2016: $1,715,069Net Income 2016: $36,0342016Revenue 2017: $1,764,853Expenses 2017: $1,725,052Net Income 2017: $39,8012017Revenue 2018: $1,374,986Expenses 2018: $1,334,688Net Income 2018: $40,2982018Revenue 2019: $1,972,303Expenses 2019: $1,756,462Net Income 2019: $215,8412019Revenue 2020: $1,915,727Expenses 2020: $1,849,646Net Income 2020: $66,0812020Revenue 2021: $4,371,197Expenses 2021: $2,277,920Net Income 2021: $2,093,2772021Revenue 2022: $5,424,289Expenses 2022: $2,197,555Net Income 2022: $3,226,7342022Revenue 2023: $3,007,741Expenses 2023: $2,478,341Net Income 2023: $529,4002023Revenue 2024: $2,831,691Expenses 2024: $2,516,345Net Income 2024: $315,3462024Revenue 2025: $2,115,500Expenses 2025: $2,038,178Net Income 2025: $77,3222025

Highlighted filing

2025

Revenue$2,115,500
Expenses$2,038,178
Net Income$77,322
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$25,121,325
Liabilities
$12,548,681
Net assets
$12,572,644
Revenue
$2,115,500
Expenses
$2,038,178
Net income
$77,322
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.1$12.5$12.6$2.12$2.04$0.08
2024Detailed filing. Detailed filing data is available for this year.$26.2$13.7$12.5$2.83$2.52$0.32
2023Detailed filing. Detailed filing data is available for this year.$27.1$14.9$12.2$3.01$2.48$0.53
2022Detailed filing. Detailed filing data is available for this year.$25.5$13.9$11.7$5.42$2.20$3.23
2021Detailed filing. Detailed filing data is available for this year.$22.5$14.0$8.42$4.37$2.28$2.09
2020Detailed filing. Detailed filing data is available for this year.$19.6$13.3$6.33$1.92$1.85$0.07
2019Detailed filing. Detailed filing data is available for this year.$19.3$13.0$6.26$1.97$1.76$0.22
2018Detailed filing. Detailed filing data is available for this year.$19.0$13.0$6.05$1.37$1.33$0.04
2017Detailed filing. Detailed filing data is available for this year.$18.4$12.4$6.01$1.76$1.73$0.04
2016Detailed filing. Detailed filing data is available for this year.$17.0$11.0$5.97$1.75$1.72$0.04
2015Summary only. Only limited summary data is available for this year.$18.1$12.2$5.93$1.58$1.59$0.01
2014Detailed filing. Detailed filing data is available for this year.$17.7$11.8$5.94$1.44$1.50$0.06
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.6$12.6$6.00$1.76
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.8$11.6$6.24$1.72
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.9$11.7$6.26$1.83
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Nov 13, 2025
Return Version
2024v5.2
Gross Receipts
$2,115,500
Mission and Program Overview

Mission

Economic and community development

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$14,186,994$14,537,622▲ $350,628
Cash and Non-Interest-Bearing Accounts$11,203,863$10,062,190▼ $1,141,673
Pledges and Grants Receivable$660,737$409,103▼ $251,634
Land, Buildings, and Equipment, Net$104,378$99,566▼ $4,812
Prepaid Expenses and Deferred Charges$11,440$12,844▲ $1,404
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$26,167,412$25,121,325▼ $1,046,087
Other Assets Total-$0-
Liabilities
Other Liabilities$12,938,187$12,386,993▼ $551,194
Accounts Payable and Accrued Expenses$135,147$141,112▲ $5,965
Deferred Revenue$598,756$20,576▼ $578,180
Total Liabilities$13,672,090$12,548,681▼ $1,123,409
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$7,435,313$7,189,407▼ $245,906
Net Assets With Donor Restrictions$5,060,009$5,383,237▲ $323,228
Total Net Assets Fund Balance$12,495,322$12,572,644▲ $77,322
Total Liabilities and Net Assets / Fund Balance$26,167,412$25,121,325▼ $1,046,087

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$81,608$164,485$246,093
Land$17,958-$17,958
Other Land Buildings-$6,588$6,588
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Harry StonePres/non-votingFT$204,966$204,966
Steven M WinheldCFOFT$142,400$142,400
Barbara Anne Gardenhire-millsCompl/engage OffFT$118,892$118,892
Brian C StoneFinance/technicalFT$110,653$110,653

Board Members and Trustees

NameTitle
Dj AdamsChairman
Joseph TredinnickVice Chairman
Douglas SmithAsst. Sec/treas
Adam ButterMember
Clarence Fullard CPAMember
Patricia BoyleMember
Reynold Cicalese IiiMember
Lisa ViscusiSecretary/TREAS
Revenue and Support

Revenue Composition

Contributions and Grants
$852,000
Program Service Revenue
$1,196,698
Investment Income
$57,604
Other Revenue
$9,198
Change in Net Assets
$77,322

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,115,500
Total Revenue per Audited Statements
$2,115,500
Total Revenue per Form 990
$2,115,500
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,261,735
Other Expenses$776,443
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$663,343-$663,343
Current Officers, Directors, Trustees, and Key Employees-$347,366-$347,366
Fees for Services Other-$203,250-$203,250
Interest$173,459--$173,459
Pension Plan Contributions-$88,940-$88,940
Other Employee Benefits-$86,856-$86,856
Payroll Taxes-$75,230-$75,230
All Other Expenses$1,000$61,799-$62,799
Occupancy-$30,262-$30,262
Travel-$25,824-$25,824
Fees for Services Accounting-$23,085-$23,085
Insurance-$21,694-$21,694
Other Expenses$16,160$17,223-$16,160
Fees for Services Legal-$11,212-$11,212
Office Expenses-$6,886-$6,886
Depreciation Depletion-$4,812-$4,812
Advertising-$3,577-$3,577
Total Functional Expenses$341,597$1,696,581$0$2,038,178

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,038,178
Total Expenses per Audited Statements$2,038,178
Total Expenses per Form 990$2,038,178
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Long Term Debt$8,190,905
Current Portion of Long Term Debt$2,675,290
Long Term Debt Eq2$1,500,000
Long Term Accrued Interest$17,709
Accrued Interest$3,089
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“Will be reviewed by treasurer and cfo”

Form 990, Part VI, Section B, Line 15A

“Compensation process for top official - The board committee apporves the president's annual salary.”

Form 990, Part VI, Section B, Line 15B

“Compensation process for officers - All salaries, other than the president's salary are approved by the president.”

Form 990, Part VI, Section C, Line 19

“UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
Cooperative Business Assistance
EIN
22-2807816
Phone
8569668181
Address
328 MARKET STREET, CAMDEN, NJ 08102

Signing Officer

Name
Harry W Stone
Title
President
Signed
2025-11-13
Discuss with paid preparer
Yes

Organization Details

Formed
1987
Legal Domicile
Nj
Voting Board Members
8
Independent Board Members
8
Employees
10

Preparer

Firm
Ford Scott & Associates LLC
Address
1535 Haven Avenue, Ocean City, NJ 08226
Preparer
John A Sabella CPA
Phone
6093996333
Supplemental Narrative

Financial Statement Notes

Part X : FIN48 Footnote

“The Organization has qualified as a charitable nonprofit organization under Section 501(c)(3) of the Internal Revenue Code and, accordingly, no provision for income taxes has been included in the accompanying financial statements. Income, which is not related to exempt purposes, less applicable deductions, is subject to federal and state corporate income taxes. The Organization had no net unrelated business income tax for the years ended June 30, 2025 and 2024.Management evaluated the Organizations tax position and concluded that the Organization had taken no uncertain tax positions that require adjustment to the financial statements to comply with the provisions of this guidance. Consequently, no accrual for interest and penalties was deemed necessary for the year ended June 30, 2024. The Organization files tax returns in the U.S. Federal jurisdiction. Generally, the Organization is no longer subject to income tax examinations by the U.S. federal, state or local tax authorities for years before June 30, 2021.”

Raw XML AppendixShowing 400 of 516 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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