GARDEN STATE CONSUMER CREDIT COUNSELING INC (EIN 223120920) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1991

Legal Domicile

Principal Officer

Jill Feldman

Phone

7324096281

Tax Period

2024-01-01 to 2024-12-31

GARDEN STATE CONSUMER CREDIT COUNSELING INC, founded in 1991, is a mid-sized nonprofit in the Human Services sector that reported $16.8M in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion.

Mission

NAVICORE SOLUTIONS PROVIDES COMPASSIONATE COUNSELING SOLUTIONS TO CONSUMERS NATIONWIDE IN THE AREAS OF PERSONAL FINANCE, CONSUMER CREDIT, STUDENT LOANS, DISASTER RECOVERY, FORECLOSURE PREVENTION, AND HOUSING.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $7,100,395

Program Service Revenue $9,456,500

Investment Income $63,831

Other Revenue $171,734

TOTAL REVENUE $16,792,460

Expense Breakdown

Grants Paid $0

Salaries & Benefits $12,312,388

Fundraising Expenses $201,084

Program Expenses $13,763,174

Other Expenses $4,135,336

TOTAL EXPENSES $16,447,724

Year-over-Year Comparison

	2024	2023	Change
Revenue	$16,792,460	$15,059,714	+0.1%
Expenses	$16,447,724	$14,875,769	+0.1%
Net Income	$344,736	$183,945	+0.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

203

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$1,090,841

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jill Feldman	President & CEO	70.00	Officer	$361,823	$44,858	$406,681
Todd Suler	CFO	70.00	Officer	$317,914	$2,060	$319,974
Diane Gray	COO	70.00	Officer	$313,431	$4,498	$317,929
Isis Malagrino	vp-customer exp	50.00		$223,978	$46,980	$270,958
Joel Greenberg	Executive Dir.	0.00		$231,333	$0	$231,333
Bruce Cameron	Sr Software Engine	50.00		$162,318	$19,687	$182,005
Richard Getz	Dr of Industry Rel	50.00		$108,391	$38,758	$147,149
Chip Fichot	Sr.Business Sys An	50.00		$123,203	$15,645	$138,848
Richard Verrillo	Dr of Business dev	50.00		$113,991	$1,752	$115,743
Rebecca Winters	Asst Corp Secre	50.00	Officer	$46,257	$0	$46,257
Roy Lopez	Trustee	1.00	Director	$0	$0	$0
Donell Young	Trustee	1.00	Director	$0	$0	$0
Deborah Figart	Trustee	1.00	Director	$0	$0	$0
Werner Rehm	Trustee	1.00	Director	$0	$0	$0
Mike Woods	Trustee	1.00	Director	$0	$0	$0
JOSEPH TIMKO	Trustee	4.00	Director	$0	$0	$0
Stephen Freiman	Trustee	1.00	Director	$0	$0	$0
Diane Daley	Trustee	1.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$16,792,460	$16,447,724	$11,862,130	$344,736
2023	$15,059,714	$14,875,769	$13,783,103	$183,945
2022	$14,075,218	$13,538,958	$14,481,637	$536,260
2021	$14,807,314	$12,553,950	$15,368,790	$2,253,364
2020	$11,953,099	$11,529,409	$13,466,680	$423,690
2019	$11,580,321	$11,390,349	$12,363,672	$189,972
2018	$11,719,327	$12,359,822	$13,090,330	$-640,495

GARDEN STATE CONSUMER CREDIT COUNSELING INC