Civic Intelligence

American Credit Counseling Institute Inc.

990 • Fiscal year 2013 • EIN 23-2708823

Jan 01, 2013 to Dec 31, 2013 • Filed on May 07, 2014

Organization ProfileN/A
2312 Griffith Street19152

(610) 620-5369

Siviq Scores

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

Liabilities / Assets

66th percentile

0.02x

Higher debt load relative to assets than 66% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Liabilities / Revenue

65th percentile

0.01x

Higher debt load relative to revenue than 65% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Net Margin

89th percentile

40%

Higher net margin than 89% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Top Officer Pay

97th percentile

$75,867

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 19.0% of source-year revenue.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

Asset Growth

98th percentile

573%

Faster asset growth than 98% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$190,741

Up $162,385 (+573%) from 2012

Net Assets

Up

$186,106

Up $157,750 (+556%) from 2012

Liabilities

Up

$4,635

Up $4,635 from 2012

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin89th percentile

Revenue

$398,396

No earlier filing loaded for comparison.

Expenses

Up

$240,646

Up $105,853 (+79%) from 2012

Net Income

$157,750

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth98th percentile

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

$400K$300K$200K$100K$0Assets 2010: $82,761Liabilities 2010: $859Net Assets 2010: $81,9022010Assets 2011: $83,857Liabilities 2011: $0Net Assets 2011: $83,8572011Assets 2012: $28,356Liabilities 2012: $0Net Assets 2012: $28,3562012Assets 2013: $190,741Liabilities 2013: $4,635Net Assets 2013: $186,1062013Assets 2014: $196,716Liabilities 2014: $5,498Net Assets 2014: $191,2182014Assets 2015: $155,146Liabilities 2015: $92Net Assets 2015: $155,0542015Assets 2016: $90,150Liabilities 2016: $80Net Assets 2016: $90,0702016Assets 2017: $169,120Liabilities 2017: $972Net Assets 2017: $168,1482017Assets 2018: $221,087Liabilities 2018: $13,527Net Assets 2018: $207,5602018Assets 2019: $269,824Liabilities 2019: $5,191Net Assets 2019: $264,6332019Assets 2020: $337,195Liabilities 2020: $0Net Assets 2020: $337,1952020Assets 2021: $227,405Liabilities 2021: $100,000Net Assets 2021: $127,4052021Assets 2022: $206,225Liabilities 2022: $263Net Assets 2022: $205,9622022Assets 2023: $113,430Liabilities 2023: $1,588Net Assets 2023: $111,8422023Assets 2024: $32,105Liabilities 2024: $464Net Assets 2024: $31,6412024

Highlighted filing

2013

Assets$190,741
Liabilities$4,635
Net Assets$186,106
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200K-$400KExpenses 2010: $343,6982010Expenses 2011: $242,3902011Expenses 2012: $134,7932012Revenue 2013: $398,396Expenses 2013: $240,646Net Income 2013: $157,7502013Revenue 2014: $242,204Expenses 2014: $237,092Net Income 2014: $5,1122014Revenue 2015: $277,678Expenses 2015: $313,842Net Income 2015: -$36,1642015Revenue 2016: $216,008Expenses 2016: $280,992Net Income 2016: -$64,9842016Revenue 2017: $368,622Expenses 2017: $290,544Net Income 2017: $78,0782017Revenue 2018: $371,267Expenses 2018: $331,855Net Income 2018: $39,4122018Revenue 2019: $483,604Expenses 2019: $426,531Net Income 2019: $57,0732019Revenue 2020: $321,614Expenses 2020: $249,052Net Income 2020: $72,5622020Revenue 2021: $101,230Expenses 2021: $311,021Net Income 2021: -$209,7912021Revenue 2022: $241,054Expenses 2022: $262,497Net Income 2022: -$21,4432022Revenue 2023: $210,016Expenses 2023: $303,578Net Income 2023: -$93,5622023Revenue 2024: $109,067Expenses 2024: $189,268Net Income 2024: -$80,2012024

Highlighted filing

2013

Revenue$398,396
Expenses$240,646
Net Income$157,750
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 7, 2014
Return Version
2013v3.1
Gross Receipts
$398,396
Mission and Program Overview

Mission

Housing counseling and money management

Credit counseling to individuals

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$28,356$186,106▲ $157,750
Cash and Non-Interest-Bearing Accounts$8,991$178,304▲ $169,313
Other Notes and Loans Receivable, Net$8,998$5,734▼ $3,264
Land, Buildings, and Equipment, Net$7,461$4,197▼ $3,264
Total Assets$28,356$190,741▲ $162,385
Other Assets Total$2,906$2,506▼ $400
Liabilities
Accounts Payable and Accrued Expenses-$4,635-
Total Liabilities$0$4,635▲ $4,635
Net Assets / Fund Balance
Total Net Assets Fund Balance$28,356$186,106▲ $157,750
Total Liabilities and Net Assets / Fund Balance$28,356$190,741▲ $162,385

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,197$29,739-
Other Assets Org$2,506--
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Robert EwingPresidentFT$75,867$75,867
Anthony CameronKey EmployeeFT$32,944$32,944
Felix RoyKey EmployeeFT$24,990$24,990
Mildred SotoKey EmployeeFT$22,992$22,992
Annette SantiagoEmployyPT$5,240$5,240
Brandon EwingEmployeePT$1,100$1,100
Jason EwingEmployeePT$1,080$1,080
Revenue and Support

Revenue Composition

Contributions and Grants
$398,396
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$157,750
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$173,475
Other Expenses$67,171
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$162,033$0$0$162,033
Occupancy$24,267$0$0$24,267
Other Expenses$9,998$0$0$9,998
Payroll Taxes$9,148$0$0$9,148
Office Expenses$7,591$0$0$7,591
All Other Expenses$5,277$0$0$5,277
Travel$3,848$0$0$3,848
Depreciation Depletion$3,264$0$0$3,264
Insurance$2,299$0$0$2,299
Other Employee Benefits$2,294$0$0$2,294
Information Technology$1,797$0$0$1,797
Fees for Services Accounting$1,500$0$0$1,500
Advertising$570$0$0$570
Total Functional Expenses$240,646$0$0$240,646
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
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
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
Filing and Contact Details

Filer

EIN
23-2708823
Phone
6106205369

Signing Officer

Name
Robert W Ewing
Title
President
Phone
6106205369
Signed
2014-05-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Ewing
Formed
2000
Legal Domicile
Pa
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
0

Preparer

Preparer
Ralph J Saulino CPA
Phone
6103378637
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“Each member is provided a copy of form 990for review”

Pt VI, Line 12C

“Conflict of interest policy is reviewed at each meeting”

Pt VI, Line 15A

“All points outlined on line 15 are followed in determining compensation”

Pt VI, Line 15B

“All points outlined on line 15 are followed in determining compensation”

Form 990, Part IX, Line 24F

“Credit reports 3736. 3736. 0. 0. Postage 971. 971. 0. 0. Dues & subscriptions 207. 207. 0. 0. Training 363. 363. 0. 0.”

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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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EACH MEMBER IS PROVIDED A COPY OF FORM 990FOR REVIEW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CONFLICT OF INTEREST POLICY IS REVIEWED AT EACH MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL POINTS OUTLINED ON LINE 15 ARE FOLLOWED IN DETERMINING COMPENSATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL POINTS OUTLINED ON LINE 15 ARE FOLLOWED IN DETERMINING COMPENSATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CREDIT REPORTS 3736. 3736. 0. 0. POSTAGE 971. 971. 0. 0. DUES & SUBSCRIPTIONS 207. 207. 0. 0. TRAINING 363. 363. 0. 0.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0PA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt028356
IRS990/TotalAssetsEOYAmt0190741
IRS990/TotalAssetsGrp/BOYAmt028356
IRS990/TotalAssetsGrp/EOYAmt0190741
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0398396
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0240646
IRS990/TotalFunctionalExpensesGrp/TotalAmt0240646
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesEOYAmt04635
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt04635
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt028356
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0186106
IRS990/TotalProgramServiceExpensesAmt0240646
IRS990/TotalReportableCompFromOrgAmt0164213
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0398396
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt028356
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0190741
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/FundraisingAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt00
IRS990/TravelGrp/ProgramServicesAmt03848
IRS990/TravelGrp/TotalAmt03848
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine102312 GRIFFITH STREET
IRS990/USAddress/City0PHILADELPHIA
IRS990/USAddress/State0PA
IRS990/USAddress/ZIPCode019152
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT W EWING
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06106205369
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-07
ReturnHeader/Filer/BusinessName/BusinessNameLine10AMERICAN CREDIT COUNSELING INSTITUTE INC
ReturnHeader/Filer/BusinessNameControlTxt0AMER
ReturnHeader/Filer/EIN0232708823
ReturnHeader/Filer/PhoneNum06106205369
ReturnHeader/Filer/USAddress/AddressLine102312 GRIFFITH STREET
ReturnHeader/Filer/USAddress/City0PHILADELPHIA
ReturnHeader/Filer/USAddress/State0PA
ReturnHeader/Filer/USAddress/ZIPCode019152
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10RALPH J SAULINO CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10343 COVERED BRIDGE ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0KING OF PRUSSIA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode019406
ReturnHeader/PreparerPersonGrp/PhoneNum06103378637
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RALPH J SAULINO CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-05-12T06:40:53-07:00
ReturnHeader/ReturnTypeCd0990
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 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$190,741
Liabilities
$4,635
Net assets
$186,106
Revenue
$398,396
Expenses
$240,646
Net income
$157,750
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.32$0.00$0.32$1.09$1.89$0.80
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.13$0.02$1.12$2.10$3.04$0.94
2022Detailed filing. Detailed filing data is available for this year.$2.06$0.00$2.06$2.41$2.62$0.21
2021Detailed filing. Detailed filing data is available for this year.$2.27$1.00$1.27$1.01$3.11$2.10
2020Detailed filing. Detailed filing data is available for this year.$3.37$0.00$3.37$3.22$2.49$0.73
2019Detailed filing. Detailed filing data is available for this year.$2.70$0.05$2.65$4.84$4.27$0.57
2018Detailed filing. Detailed filing data is available for this year.$2.21$0.14$2.08$3.71$3.32$0.39
2017Detailed filing. Detailed filing data is available for this year.$1.69$0.01$1.68$3.69$2.91$0.78
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.90$0.00$0.90$2.16$2.81$0.65
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.55$0.00$1.55$2.78$3.14$0.36
2014Detailed filing. Detailed filing data is available for this year.$1.97$0.05$1.91$2.42$2.37$0.05
2013Detailed filing. Detailed filing data is available for this year.$1.91$0.05$1.86$3.98$2.41$1.58
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.28$0.00$0.28$1.35
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.84$0.00$0.84$2.42
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.83$0.01$0.82$3.44