Civic Intelligence

Center for Reflection Education and Action Incorporated

EIN 06-1451900 • 501(c)3 • Hartford, CT

Profile

CREA is a social-economic research and education center focusing on corporate social responsibility, human rights, labor rights, sustainable communities and direct trade, and economic analysis. CREA facilitates analysis of policies from the perspective of their effects on human lives, beginning from the lives of people and communities who are poor. Educational programs both formal and informal, as well as publications, offer opportunities to participate in this analysis.

PO Box 2507Hartford, CT 06112

www.crea.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

59th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

61st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

10th percentile

-93%

Higher net margin than 10% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

32nd percentile

-18%

Faster asset growth than 32% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

42nd percentile

-7.7%

Faster revenue growth than 42% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets59th percentile

Assets

Down

$343,776

Down $74,663 (-18%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Down

$343,776

Down $74,663 (-18%) from 2023

Operations
Liabilities / Revenue61st percentileNet Margin10th percentile

Revenue

Down

$80,446

Down $6,702 (-7.7%) from 2023

Expenses

Up

$155,109

Up $10,272 (+7.1%) from 2023

Net Income

Down

-$74,663

Down $16,974 (-29%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth32nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800K$600K$400K$200K$0Assets 2011: $529,694Liabilities 2011: $0Net Assets 2011: $529,6942011Assets 2012: $552,902Liabilities 2012: $0Net Assets 2012: $552,9022012Assets 2013: $514,596Liabilities 2013: $893Net Assets 2013: $513,7022013Assets 2014: $468,944Liabilities 2014: $804Net Assets 2014: $468,1402014Assets 2015: $504,555Liabilities 2015: $986Net Assets 2015: $503,5692015Assets 2016: $521,627Liabilities 2016: $417Net Assets 2016: $521,2092016Assets 2017: $526,097Liabilities 2017: $1,291Net Assets 2017: $524,8062017Assets 2018: $554,120Liabilities 2018: $7Net Assets 2018: $554,1202018Assets 2019: $557,228Liabilities 2019: $0Net Assets 2019: $557,2282019Assets 2020: $559,444Liabilities 2020: $0Net Assets 2020: $559,4442020Assets 2021: $611,141Liabilities 2021: $0Net Assets 2021: $611,1412021Assets 2022: $480,234Liabilities 2022: $0Net Assets 2022: $480,2342022Assets 2023: $418,439Liabilities 2023: $0Net Assets 2023: $418,4392023Assets 2024: $343,776Liabilities 2024: $0Net Assets 2024: $343,7762024

Highlighted filing

2024

Assets$343,776
Liabilities$0
Net Assets$343,776
Open 2024 Filing

Operations Trend

Revenue Growth42nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0-$1.0MRevenue 2011: $260,756Expenses 2011: $208,214Net Income 2011: $52,5422011Revenue 2012: $112,941Expenses 2012: $208,997Net Income 2012: -$96,0562012Revenue 2013: $3,871,022Expenses 2013: $158,124Net Income 2013: $3,712,8982013Revenue 2014: $153,419Expenses 2014: $160,436Net Income 2014: -$7,0172014Revenue 2015: $191,092Expenses 2015: $162,959Net Income 2015: $28,1332015Revenue 2016: $193,014Expenses 2016: $187,862Net Income 2016: $5,1522016Revenue 2017: $199,933Expenses 2017: $196,784Net Income 2017: $3,1492017Revenue 2018: $252,575Expenses 2018: $160,952Net Income 2018: $91,6232018Revenue 2019: $189,402Expenses 2019: $214,924Net Income 2019: -$25,5222019Revenue 2020: $150,018Expenses 2020: $196,818Net Income 2020: -$46,8002020Revenue 2021: $152,236Expenses 2021: $174,553Net Income 2021: -$22,3172021Revenue 2022: $109,538Expenses 2022: $153,627Net Income 2022: -$44,0892022Revenue 2023: $87,148Expenses 2023: $144,837Net Income 2023: -$57,6892023Revenue 2024: $80,446Expenses 2024: $155,109Net Income 2024: -$74,6632024

Highlighted filing

2024

Revenue$80,446
Expenses$155,109
Net Income-$74,663
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$343,776
Liabilities
$0
Net assets
$343,776
Revenue
$80,446
Expenses
$155,109
Net income
-$74,663
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.34$0.00$0.34$0.08$0.16$0.07
2023Detailed filing. Detailed filing data is available for this year.$0.42$0.00$0.42$0.09$0.14$0.06
2022Detailed filing. Detailed filing data is available for this year.$0.48$0.00$0.48$0.11$0.15$0.04
2021Detailed filing. Detailed filing data is available for this year.$0.61$0.00$0.61$0.15$0.17$0.02
2020Detailed filing. Detailed filing data is available for this year.$0.56$0.00$0.56$0.15$0.20$0.05
2019Summary only. Only limited summary data is available for this year.$0.56$0.00$0.56$0.19$0.21$0.03
2018Summary only. Only limited summary data is available for this year.$0.55$0.00$0.55$0.25$0.16$0.09
2017Summary only. Only limited summary data is available for this year.$0.53$0.00$0.52$0.20$0.20$0.00
2016Summary only. Only limited summary data is available for this year.$0.52$0.00$0.52$0.19$0.19$0.01
2015Summary only. Only limited summary data is available for this year.$0.50$0.00$0.50$0.19$0.16$0.03
2014Summary only. Only limited summary data is available for this year.$0.47$0.00$0.47$0.15$0.16$0.01
2013Summary only. Only limited summary data is available for this year.$0.51$0.00$0.51$3.87$0.16$3.71
2012Summary only. Only limited summary data is available for this year.$0.55$0.00$0.55$0.11$0.21$0.10
2011Summary only. Only limited summary data is available for this year.$0.53$0.00$0.53$0.26$0.21$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 20, 2025
Return Version
2024v5.0
Gross Receipts
$80,446
Mission and Program Overview

Mission

CREA is a social-economic research and education center focusing on corporate social responsibility, human rights, labor rights, sustainable communities and direct trade, and economic analysis. CREA facilitates analysis of policies from the perspective of their effects on human lives, beginning from the lives of people and communities who are poor. Educational programs both formal and informal, as well as publications, offer opportunities to participate in this analysis.

CREA is a social economic research and education center focusing on social and economic research and corporate social responsibility, human rights, labor rights, sustainable communities and systemic analysis.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$244,460$180,825▼ $63,635
Land, Buildings, and Equipment, Net$119,800$113,750▼ $6,050
Savings and Temporary Cash Investments$54,179$49,201▼ $4,978
Cash and Non-Interest-Bearing Accounts$0$0→ $0
Accounts Receivable$0$0→ $0
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$418,439$343,776▼ $74,663
Other Assets Total$0$0→ $0
Liabilities
Accounts Payable and Accrued Expenses$0$0→ $0
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Other Liabilities$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$418,439$343,776▼ $74,663
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$418,439$343,776▼ $74,663
Total Liabilities and Net Assets / Fund Balance$418,439$343,776▼ $74,663

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$17,000$83,000$0
Other Land Buildings$0$0$0
Land$2,000-$0
Equipment$8,450$12,500$0
Leasehold Improvements$86,300$11,000$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Ruth Rosenbaum TCExecutive DirectorFT$45,000$45,000
David Bolankey employeePT$25,000$25,000

Board Members and Trustees

NameTitle
Dee MartinDirector
Lynn MisteriDirector
Patricia Pheanious-WilsonDirector
Sarah SmithDirector
Cathy GalvinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$46,714
Program Service Revenue
$33,298
Investment Income
$434
Other Revenue
$0
All Other Contributions
$46,714
Change in Net Assets
$-74,663
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$103,521
Other Expenses$51,588
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$63,000$7,000$0$70,000
Other Expenses$26,838$2,982$0$29,820
Payroll Taxes$0$16,281$0$16,281
Other Employee Benefits$0$16,030$0$16,030
Occupancy$9,078$1,602$0$10,680
Office Expenses$4,574$241$0$4,815
Fees for Service Investment Mgmnt Fees$0$3,919$0$3,919
Insurance$0$1,966$0$1,966
Other Salaries and Wages$1,089$121$0$1,210
Information Technology$388$0$0$388
Total Functional Expenses$104,967$50,142$0$155,109
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The form 990 is emailed to all Board members and discussed at the next meeting.”

Form 990, Part VI, Section C, Line 19

“All are available upon request.”

Filing and Contact Details

Filer

Filer Name
Center for Reflection Education and Action Incorporated
EIN
06-1451900
Phone
8605270455
Address
PO Box 2507, Hartford, CT 06112
Doing Business As
Crea

Signing Officer

Name
Cathy Galvin
Title
treasurer
Phone
8605270455
Signed
2025-10-20

Organization Details

Principal Officer
Ruth Rosenbaum
Formed
1996
Legal Domicile
Ct
Voting Board Members
6
Independent Board Members
5
Employees
3
Volunteers
14
Raw XML AppendixShowing 400 of 638 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt0388
IRS990/InformationTechnologyGrp/TotalAmt0388
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt01966
IRS990/InsuranceGrp/ProgramServicesAmt00
IRS990/InsuranceGrp/TotalAmt01966
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IRS990/IntangibleAssetsGrp/EOYAmt00
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IRS990/InterestGrp/ManagementAndGeneralAmt00
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IRS990/InterestGrp/TotalAmt00
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IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
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IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0244460
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0180825
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0106500
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt0113750
IRS990/LandBldgEquipCostOrOtherBssAmt0220250
IRS990/LegalDomicileStateCd0CT
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
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IRS990/LessRentalExpensesGrp/RealAmt00
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IRS990/MissionDesc0CREA is a social-economic research and education center focusing on corporate social responsibility, human rights, labor rights, sustainable communities and direct trade, and economic analysis. CREA facilitates analysis of policies from the perspective of their effects on human lives, beginning from the lives of people and communities who are poor. Educational programs both formal and informal, as well as publications, offer opportunities to participate in this analysis.
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt0418439
IRS990/NetAssetsOrFundBalancesEOYAmt0343776
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
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IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt00
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IRS990/NetIncomeOrLossGrp/ExclusionAmt00
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IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0418439
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0343776
IRS990/NoncashContributionsAmt024500
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt01602
IRS990/OccupancyGrp/ProgramServicesAmt09078
IRS990/OccupancyGrp/TotalAmt010680
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0241
IRS990/OfficeExpensesGrp/ProgramServicesAmt04574
IRS990/OfficeExpensesGrp/TotalAmt04815
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IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt016030
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt016030
IRS990/OtherExpensesGrp/Desc0sustainable communities
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IRS990/OtherExpensesGrp/ProgramServicesAmt026838
IRS990/OtherExpensesGrp/TotalAmt029820
IRS990/OtherLiabilitiesGrp/BOYAmt00
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IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0121
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt01089
IRS990/OtherSalariesAndWagesGrp/TotalAmt01210
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
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IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
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IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt016281
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt016281
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
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IRS990/PrincipalOfficerNm0Ruth Rosenbaum
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IRS990/ProgramServiceRevenueGrp/BusinessCd0813310
IRS990/ProgramServiceRevenueGrp/Desc0Sustainable communities
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgSrvcAccomActy2Grp/Desc0Corporate social responsibility: CREA continues to work on corporate social responsibility, focusing on issues related to supply chains around the world. These issues include, but are not limited to, preventing forced and child labor, sustainable living wages, removal of toxic and carcinogenic chemicals from production and/or inclusion in final products, and multi-stakeholder interaction on the local and investor levels. CREA collaborates with other non-governmental organizations in these efforts. CREA also continues to work on issues related to sustainable communities within the corporate responsibility work, focusing on the impact of jobs, use and misuse of natural resources, emission of waste products, etc. on the communities in which products are sourced/produced and in locations where the products are sold within the US. The impact of the business site is also a focus of the CSR work, linking it to the sustainable earth work described below.
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IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
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IRS990/ProgSrvcAccomActy3Grp/Desc0Sustainable earth; economic, social and environmental: CREA continues to give workshops to various groups in New England focusing on the issues related to climate change and how they affect communities in various parts of the world. Following the foundation set forth by Pope Francis in Laudato Si', the workshops teach attendees how to connect aspects of climate change with increases in food costs, job availability. etc. which moves the issue from somewhere "over there" to right here where we each live and work. In addition, attendees are taught how to use their power as investors, shoppers, communities of faith, etc. to bring about change in various institutions such as large corporations. In addition, CREA is developing a series of educational materials on specific issues with each booklet focusing on one issue and how it connects with what is happening around us.
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IRS990/PYContributionsGrantsAmt049850
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IRS990/PYInvestmentIncomeAmt05772
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IRS990/PYOtherExpensesAmt025162
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt031526
IRS990/PYRevenuesLessExpensesAmt0-57689
IRS990/PYSalariesCompEmpBnftPaidAmt0119675
IRS990/PYTotalExpensesAmt0144837
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IRS990/PYTotalRevenueAmt087148
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IRS990/ReconcilationRevenueExpnssAmt0-74663
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