Garden State Consumer Credit Counseling Inc

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Garden State Consumer Credit Counseling Inc Form 990, Revenue, CEO Pay, and IRS Filing Signals

Garden State Consumer Credit Counseling Inc 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 Garden State Consumer Credit Counseling Inc in one place.

Is Garden State Consumer Credit Counseling Inc Legit?

Some Concerns

Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →

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Where the Money Comes From and Where It Goes

Across stored filings, Garden State Consumer Credit Counseling Inc shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.

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Turn this Form 990 profile into a donor-ready report

Request a concise report for Garden State Consumer Credit Counseling Inc with revenue, expenses, executive compensation, red flags, peer context, and IRS source links. You can also request CSV exports or watchlist updates for future filings.

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Garden State Consumer Credit Counseling Inc directs 55% of its spending to programs. This falls below the 65% benchmark. Donors may want to investigate further.

About Garden State Consumer Credit Counseling Inc

Garden State Consumer Credit Counseling Inc (EIN: 223120920) is a nonprofit organization based in Manalapan, NJ, classified under NTEE code P51Z. The organization reported total revenue of $17.3M and total assets of $11.9M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Garden State Consumer Credit Counseling Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.

Organization Overview

Garden State Consumer Credit Counseling Inc is a large nonprofit that has been operating for 34 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of -3.6%.

Key Financial Metrics (2023)

From the most recent IRS 990 filing on record:

Financial Health Grade: A

In 2023, Garden State Consumer Credit Counseling Inc reported a surplus of $184K with revenue exceeding expenses, holds 11.1 months of operating reserves (strong position), has a debt-to-asset ratio of 61.2% (high leverage).

Financial Trends

Over 13 years of filings (2011–2023), Garden State Consumer Credit Counseling Inc's revenue has declined at a compound annual growth rate (CAGR) of -3.6%.

IRS Tax-Exempt Classification

Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.

AI Transparency Report

Mission Effectiveness Score

NonprofitSpending's AI analysis rates Garden State Consumer Credit Counseling Inc with a Mission Score of 85 out of 100 (Excellent). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.

Spending Breakdown

• admin: 30%
• programs: 55%
• fundraising: 15%

According to IRS 990 filings, Garden State Consumer Credit Counseling Inc allocates its expenses as follows: admin: 30%, programs: 55%, fundraising: 15%. Approximately 55% goes to programs, indicating moderate mission focus.

Key Financial Metrics (2023)

From the most recent IRS 990 filing on record:

• The organization reported a surplus of $184K, with revenue exceeding expenses.
• Debt-to-asset ratio: 61.2%.

Executive Compensation Analysis

Executive compensation remains at a modest level, with no significant changes over the past five years.

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 Garden State Consumer Credit Counseling Inc's IRS 990 filings:

• The organization has maintained a consistent 0% cost for lobbying, indicating a focus on non-political activities.

Strengths

The following positive indicators were identified for Garden State Consumer Credit Counseling Inc:

• The organization has a strong track record of maintaining a balanced budget, with no significant financial issues reported.

Frequently Asked Questions about Garden State Consumer Credit Counseling Inc

Filing History

IRS 990 filing history for Garden State Consumer Credit Counseling Inc showing financial trends over 13 years of public records:

Over 13 years of IRS 990 filings (2011–2023), Garden State Consumer Credit Counseling Inc's revenue has declined by 35.9%, moving from $23.5M to $15.1M. Total assets increased by 38.4% over the same period, from $10.0M to $13.8M. Total functional expenses fell by 34.6%, from $22.7M to $14.9M. In its most recent filing year (2023), Garden State Consumer Credit Counseling Inc reported a surplus of $184K, with revenue exceeding expenses. The organization holds $8.4M in liabilities against $13.8M in assets (debt-to-asset ratio: 61.2%), resulting in net assets of $5.3M.

Year-by-Year Financial Summary

• 2023: Revenue of $15.1M, expenses of $14.9M, and assets of $13.8M (revenue +7.0% year-over-year).
• 2022: Revenue of $14.1M, expenses of $13.5M, and assets of $14.5M (revenue -4.9% year-over-year).
• 2021: Revenue of $14.8M, expenses of $12.6M, and assets of $15.4M (revenue +23.9% year-over-year).
• 2020: Revenue of $12.0M, expenses of $11.5M, and assets of $13.5M (revenue +3.2% year-over-year).
• 2019: Revenue of $11.6M, expenses of $11.4M, and assets of $12.4M (revenue -1.2% year-over-year).
• 2018: Revenue of $11.7M, expenses of $12.4M, and assets of $13.1M (revenue -12.5% year-over-year).
• 2017: Revenue of $13.4M, expenses of $14.5M, and assets of $12.4M (revenue -0.7% year-over-year).
• 2016: Revenue of $13.5M, expenses of $15.0M, and assets of $14.2M (revenue -21.0% year-over-year).
• 2015: Revenue of $17.1M, expenses of $16.8M, and assets of $15.3M (revenue -13.6% year-over-year).
• 2014: Revenue of $19.8M, expenses of $20.2M, and assets of $16.3M (revenue -11.8% year-over-year).
• 2013: Revenue of $22.4M, expenses of $22.2M, and assets of $10.3M (revenue -8.9% year-over-year).
• 2012: Revenue of $24.6M, expenses of $23.8M, and assets of $10.8M (revenue +4.8% year-over-year).
• 2011: Revenue of $23.5M, expenses of $22.7M, and assets of $10.0M.

View Individual Filing Years

Explore detailed financial data from each IRS 990 filing year for Garden State Consumer Credit Counseling Inc:

Data Sources and Methodology

This transparency report for Garden State Consumer Credit Counseling Inc 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.