Consumer Credit Counseling Service Of Nj

Consumer Credit Counseling Service of NJ: Declining Revenue, Stable Program Spending

EIN: 222222343 · Cedar Knolls, NJ · Updated: 2026-04-04

$0Revenue

$0Assets

75/100Mission Score (Good)

About Consumer Credit Counseling Service Of Nj

Consumer Credit Counseling Service Of Nj (EIN: 222222343) is a nonprofit organization based in Cedar Knolls, NJ. The organization reported total revenue of $0 and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Consumer Credit Counseling Service Of Nj's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.

AI Transparency Report

Consumer Credit Counseling Service Of Nj is a unknown nonprofit based in Cedar Knolls, New Jersey, with reported revenue of $0 and assets of $0. Our AI analysis assigns a Mission Score of 75/100 (Good). Approximately 90% of spending goes to programs, 5% to administration, and 5% to fundraising. Executive compensation cannot be assessed due to the absence of compensation figures in the provided financial filings. Revenue has declined -19% across 4 filing periods.

Mission Effectiveness Score

NonprofitSpending's AI analysis rates Consumer Credit Counseling Service Of Nj with a Mission Score of 75 out of 100 (Good). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.

Spending Breakdown

admin: 5%
programs: 90%
fundraising: 5%

According to IRS 990 filings, Consumer Credit Counseling Service Of Nj allocates its expenses as follows: admin: 5%, programs: 90%, fundraising: 5%. With 90% directed toward programs, this reflects a strong commitment to its charitable mission.

Executive Compensation Analysis

Executive compensation cannot be assessed due to the absence of compensation figures in the provided financial filings.

Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.

Red Flags

The following concerns were identified during AI analysis of Consumer Credit Counseling Service Of Nj's IRS 990 filings:

Significant decline in revenue from $653,333 in 2013 to $484,079 in 2015.
Lack of executive compensation details in available filings.

Strengths

The following positive indicators were identified for Consumer Credit Counseling Service Of Nj:

Consistently high percentage of expenses dedicated to program services (e.g., 90% in 2015 based on $562,297 total expenses and $506,067 program expenses).
Low administrative and fundraising overhead.

Frequently Asked Questions about Consumer Credit Counseling Service Of Nj

What does Consumer Credit Counseling Service Of Nj do?

Consumer Credit Counseling Service Of Nj is a nonprofit organization in the Unknown sector, located in Cedar Knolls, New Jersey. It is classified under NTEE code Unknown.

How much revenue does Consumer Credit Counseling Service Of Nj have?

Consumer Credit Counseling Service Of Nj reported total revenue of N/A. Based on 4 IRS 990 filings on record.

What are Consumer Credit Counseling Service Of Nj's total assets?

Consumer Credit Counseling Service Of Nj holds total assets of N/A as reported in IRS 990 filings.

Where is Consumer Credit Counseling Service Of Nj located?

Consumer Credit Counseling Service Of Nj is based in Cedar Knolls, New Jersey.

What is Consumer Credit Counseling Service Of Nj's EIN?

Consumer Credit Counseling Service Of Nj's Employer Identification Number (EIN) is 222222343. This is the unique tax ID assigned by the IRS for tax-exempt organizations.

What type of nonprofit is Consumer Credit Counseling Service Of Nj?

Consumer Credit Counseling Service Of Nj is classified under NTEE code Unknown (Unknown).

Is Consumer Credit Counseling Service Of Nj a registered 501(c)(3)?

Consumer Credit Counseling Service Of Nj appears in IRS records (EIN: 222222343). Check the IRS Tax Exempt Organization Search for the most current determination letter status.

Does Consumer Credit Counseling Service Of Nj file IRS Form 990?

Yes, Consumer Credit Counseling Service Of Nj has 4 IRS Form 990 filings on record. The most recent covers tax period 201506.

What was Consumer Credit Counseling Service Of Nj's revenue in 2015?

In the 201506 filing period, Consumer Credit Counseling Service Of Nj reported total revenue of $484,079, total expenses of $562,297, and net assets of $66,174.

Is Consumer Credit Counseling Service Of Nj's revenue growing or declining?

Consumer Credit Counseling Service Of Nj's revenue is declining. Revenue went from $570,025 (201406) to $484,079 (201506), a -15.1% change. Based on 4 filings on record.

What is Consumer Credit Counseling Service Of Nj's most recent 990 filing?

The most recent IRS Form 990 filing for Consumer Credit Counseling Service Of Nj covers tax period 201506. It shows revenue of $484,079, expenses of $562,297, total assets of $66,174, and liabilities of $47,809.

How much does Consumer Credit Counseling Service Of Nj spend on programs vs administration?

Based on IRS 990 analysis, Consumer Credit Counseling Service Of Nj allocates approximately 90% of expenses to program services, 5% to administrative costs, and 5% to fundraising. This indicates strong program focus.

Is Consumer Credit Counseling Service Of Nj a trustworthy charity?

Based on AI analysis of IRS 990 data, Consumer Credit Counseling Service Of Nj appears trustworthy. Mission Score: 75/100 (Good). 2 red flags identified. 2 strengths noted.

What are the red flags for Consumer Credit Counseling Service Of Nj?

The following concerns were identified: Significant decline in revenue from $653,333 in 2013 to $484,079 in 2015.. Lack of executive compensation details in available filings.. These flags are based on automated analysis of IRS 990 public filings and should be verified independently.

What are Consumer Credit Counseling Service Of Nj's strengths?

Positive indicators for Consumer Credit Counseling Service Of Nj include: Consistently high percentage of expenses dedicated to program services (e.g., 90% in 2015 based on $562,297 total expenses and $506,067 program expenses).. Low administrative and fundraising overhead.. These findings are derived from AI analysis of the organization's financial filings.

How does Consumer Credit Counseling Service Of Nj compensate executives?

Executive compensation cannot be assessed due to the absence of compensation figures in the provided financial filings. Executive compensation data is sourced from IRS 990 filings, which require disclosure of officer, director, and key employee pay.

What factors contributed to the substantial revenue decline from 2013 to 2015, and what strategies are in place to reverse this trend?

The provided data shows a revenue drop from $653,333 in 2013 to $484,079 in 2015. Without additional context or narrative from the organization, the specific causes for this decline and any mitigating strategies remain unclear.

Filing History

IRS 990 filing history for Consumer Credit Counseling Service Of Nj showing financial trends over 4 years of public records:

Over 4 years of IRS 990 filings (2012–2015), Consumer Credit Counseling Service Of Nj's revenue has declined by 18.6%, moving from $594K to $484K. Total assets decreased by 22% over the same period, from $85K to $66K. Total functional expenses fell by 1.2%, from $569K to $562K. In its most recent filing year (2015), Consumer Credit Counseling Service Of Nj reported a deficit of $78K, with expenses exceeding revenue. The organization holds $48K in liabilities against $66K in assets (debt-to-asset ratio: 72.2%), resulting in net assets of $18K.

Year	Revenue	Expenses	Assets	Liabilities	Officer Comp.	PDF
2015	$484K	$562K	$66K	$48K	—	View 990
2014	$570K	$568K	$141K	$44K	—	View 990
2013	$653K	$600K	$129K	$34K	—	View 990
2012	$594K	$569K	$85K	$43K	—	View 990

Year-by-Year Financial Summary

2015: Revenue of $484K, expenses of $562K, and assets of $66K (revenue -15.1% year-over-year).
2014: Revenue of $570K, expenses of $568K, and assets of $141K (revenue -12.8% year-over-year).
2013: Revenue of $653K, expenses of $600K, and assets of $129K (revenue +9.9% year-over-year).
2012: Revenue of $594K, expenses of $569K, and assets of $85K.

Data Sources and Methodology

This transparency report for Consumer Credit Counseling Service Of Nj is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.

IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.

Disclaimer

AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.