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
Source Check Matrix
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Identity resolved verified
Consumer Credit Counseling Service Of Nj is mapped to EIN 222222343.
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4 stored filing years available.
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4 stored filing years available.
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Candid / GuideStar profile api pending
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Source and Resolution Links
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Workflow Engine
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4 stored filing years plus ProPublica source
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Triggered by: program expense ratio, CEO salary, revenue, grants
90% program spend, health grade D
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4 peer options surfaced
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| Metric | Value |
|---|---|
| Total Expenses | $562K |
| Program Spending | 90% |
| Net Assets | $18K |
| Transparency Score | 75/100 |
Search Intent Cockpit
Consumer Credit Counseling Service Of Nj Form 990, Revenue, CEO Pay, and IRS Filing Signals
Consumer Credit Counseling Service Of Nj is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Consumer Credit Counseling Service Of Nj in one place.
Form 990 Filing Summary
4 filing years are available, with latest revenue of $484K and expenses of $562K.
Revenue and Expenses
Consumer Credit Counseling Service Of Nj reported $484K in revenue and $562K in expenses, a deficit of $78K.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
75/100 mission score, 2 red flags, and 2 strengths are shown from structured and AI review.
Is Consumer Credit Counseling Service Of Nj Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
IRS 990 Data Cockpit
Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $506K (90%) |
Across stored filings, Consumer Credit Counseling Service Of Nj shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
Decision Cockpit
One-Stop Donor, Research, and Peer Context Hub
| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Some Concerns | Good filing record; 2 red flags identified |
| Mission spend | 90% to programs | Excellent |
| Financial durability | Grade D | 4 stored filing years |
| Peer context | Compare with Dance For The Cure Inc | New Jersey and category context |
Trust Check
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Cedar Knolls, NJ nonprofitsFollow the Money
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Consumer Credit Counseling Service Of Nj directs 90% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
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.
Organization Overview
Consumer Credit Counseling Service Of Nj is a small nonprofit, with 4 years of IRS 990 filings on record (2012–2015). Revenue has grown at a compound annual rate of -6.6%.
Key Financial Metrics (2015)
From the most recent IRS 990 filing on record:
| Total Revenue | $484K |
| Total Expenses | $562K |
| Surplus / Deficit | $-78,218 |
| Total Assets | $66K |
| Total Liabilities | $48K |
| Net Assets | $18K |
| Operating Margin | -16.2% |
| Debt-to-Asset Ratio | 72.2% |
| Months of Reserves | 1.4 months |
Financial Health Grade: D
In 2015, Consumer Credit Counseling Service Of Nj reported a deficit of $78K with expenses exceeding revenue, holds 1.4 months of operating reserves (limited), has a debt-to-asset ratio of 72.2% (high leverage).
Financial Trends
Over 4 years of filings (2012–2015), Consumer Credit Counseling Service Of Nj's revenue has declined at a compound annual growth rate (CAGR) of -6.6%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2015 | -15.1% | -1.1% | -52.9% |
| 2014 | -12.8% | -5.3% | +8.8% |
| 2013 | +9.9% | +5.4% | +52.2% |
AI Transparency Report
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.
Key Financial Metrics (2015)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $78K, with expenses exceeding revenue.
- Debt-to-asset ratio: 72.2%.
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
Is Consumer Credit Counseling Service Of Nj a legitimate charity?
Consumer Credit Counseling Service Of Nj (EIN: 222222343) is a registered tax-exempt nonprofit based in New Jersey. Our AI analysis gives it a Mission Score of 75/100. It has 4 years of IRS 990 filings on record. 2 red flags identified. 2 strengths noted. Financial health grade: D.
How does Consumer Credit Counseling Service Of Nj spend its money?
Consumer Credit Counseling Service Of Nj directs 90% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Consumer Credit Counseling Service Of Nj tax-deductible?
Consumer Credit Counseling Service Of Nj is registered as a tax-exempt nonprofit (EIN: 222222343). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Consumer Credit Counseling Service Of Nj's spending goes to programs?
Consumer Credit Counseling Service Of Nj directs 90% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
Where is Consumer Credit Counseling Service Of Nj located?
Consumer Credit Counseling Service Of Nj is headquartered in Cedar Knolls, New Jersey and files with the IRS under EIN 222222343.
How many years of IRS 990 filings does Consumer Credit Counseling Service Of Nj have?
Consumer Credit Counseling Service Of Nj has 4 years of IRS 990 filings on record at NonprofitSpending. Additional filing years may become available as the IRS releases new data.
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. % | |
|---|---|---|---|---|---|---|
| 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.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Consumer Credit Counseling Service Of Nj:
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.