PHuman ServicesEIN: 223120920· Ruling Year: 1992

Garden State Consumer Credit Counseling Inc

Manalapan, New Jersey

B+Health Score
67B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 15 peers in Human Services with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org0.36×
Peer Median7.39×
💰
$15.1M
Total Revenue
📊
$14.9M
Total Expenses
🏦
$5.3M
Net Assets
📋
$8.4M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+7.0%
Year-over-year change (2022 → 2023)
Net Margin
+1.2%
Revenue minus expenses as % of revenue
Working Capital Ratio
0.36
Net assets divided by total expenses
Liabilities-to-Assets
61.2%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$15,059,7147%$14,875,76910%$13,783,1035%
2022$14,075,2185%$13,538,9588%$14,481,6376%
2021$14,807,31424%$12,553,9509%$15,368,79014%
2020$11,953,0993%$11,529,4091%$13,466,6809%
2019$11,580,3211%$11,390,3498%$12,363,6726%
2018$11,719,32713%$12,359,82215%$13,090,3305%
2017$13,395,7651%$14,481,7414%$12,446,66912%
2016$13,484,08821%$15,011,95710%$14,204,4357%
2015$17,073,89614%$16,751,07217%$15,306,2156%
2014$19,757,64112%$20,234,4119%$16,305,36758%
2013$22,409,8169%$22,172,1307%$10,296,6104%
2012$24,611,4335%$23,823,5855%$10,778,3368%
2011$23,488,706$22,740,687$9,959,251

Frequently Asked Questions

What does Garden State Consumer Credit Counseling Inc do?

Garden State Consumer Credit Counseling Inc is a human services nonprofit organization based in New Jersey. It is classified under NTEE code P51Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Garden State Consumer Credit Counseling Inc financially healthy?

Based on our 9-metric Financial Health Score model, Garden State Consumer Credit Counseling Inc has a score of 67/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Garden State Consumer Credit Counseling Inc generate?

Garden State Consumer Credit Counseling Inc reports $16.8M in annual revenue and holds $11.9M in total assets, based on IRS filings.

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