Civic Intelligence

Credit Inc

990EZ • Fiscal year 2010 • EIN 13-3790222

Apr 01, 2009 to Mar 31, 2010 • Filed on Jan 10, 2011

Organization ProfileWWW.SOBRO.ORG
555 BERGEN AVENUE 3rd floor10455
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

92nd percentile

1.08x

Higher debt load relative to assets than 92% of similar nonprofits.

2010 filings • NTEE S • <$500k nonprofits • Source year 2010

Liabilities / Revenue

99th percentile

28.33x

Higher debt load relative to revenue than 99% of similar nonprofits.

2010 filings • NTEE S • <$500k nonprofits • Source year 2010

Net Margin

4th percentile

-206%

Higher net margin than 4% of similar nonprofits.

2010 filings • NTEE S • <$500k nonprofits • Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Balance Sheet
Liabilities / Assets92nd percentile

Assets

$60,625

No earlier filing loaded for comparison.

Net Assets

-$4,591

No earlier filing loaded for comparison.

Liabilities

$65,216

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin4th percentile

Revenue

$2,302

No earlier filing loaded for comparison.

Expenses

$7,044

No earlier filing loaded for comparison.

Net Income

-$4,742

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$150K$100K$50K$0-$50KAssets 2010: $60,625Liabilities 2010: $65,216Net Assets 2010: -$4,5912010Assets 2012: $64,351Liabilities 2012: $67,884Net Assets 2012: -$3,5332012Assets 2013: $105,860Liabilities 2013: $91,2142013Assets 2015: $141,227Liabilities 2015: $106,127Net Assets 2015: $35,1002015Assets 2016: $118,404Liabilities 2016: $64,682Net Assets 2016: $53,7222016Assets 2017: $113,385Liabilities 2017: $41,402Net Assets 2017: $71,9832017Assets 2018: $96,238Liabilities 2018: $58,943Net Assets 2018: $37,2952018Assets 2019: $41,060Liabilities 2019: $50,943Net Assets 2019: -$9,8832019Assets 2020: $24,200Liabilities 2020: $50,400Net Assets 2020: -$26,2002020Assets 2021: $71,247Liabilities 2021: $11,312Net Assets 2021: $59,9352021Assets 2022: $79,171Liabilities 2022: $62,605Net Assets 2022: $16,5662022Assets 2023: $78,931Liabilities 2023: $104,849Net Assets 2023: -$25,9182023

Highlighted filing

2010

Assets$60,625
Liabilities$65,216
Net Assets-$4,591
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$150K$100K$50K$0-$50KRevenue 2010: $2,302Expenses 2010: $7,044Net Income 2010: -$4,7422010Revenue 2012: $34,393Expenses 2012: $33,340Net Income 2012: $1,0532012Revenue 2013: $33,057Expenses 2013: $14,878Net Income 2013: $18,1792013Revenue 2015: $100,940Expenses 2015: $77,874Net Income 2015: $23,0662015Revenue 2016: $93,774Expenses 2016: $75,152Net Income 2016: $18,6222016Revenue 2017: $82,602Expenses 2017: $64,341Net Income 2017: $18,2612017Revenue 2018: $48,954Expenses 2018: $40,121Net Income 2018: $8,8332018Revenue 2019: $54,200Expenses 2019: $101,378Net Income 2019: -$47,1782019Revenue 2020: $0Expenses 2020: $8,798Net Income 2020: -$8,7982020Revenue 2021: $50,000Expenses 2021: $12,669Net Income 2021: $37,3312021Revenue 2022: $25,000Expenses 2022: $68,369Net Income 2022: -$43,3692022Revenue 2023: $0Expenses 2023: $42,485Net Income 2023: -$42,4852023

Highlighted filing

2010

Revenue$2,302
Expenses$7,044
Net Income-$4,742
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Apr 1, 2009 to Mar 31, 2010
Signed
Jan 10, 2011
Return Version
2009v1.4
Mission and Program Overview

Mission

Credit inc's primary function is to facilitate capital and financial services for organizations, minority and female entrepreneurs and other businesses that, due to their location in a distressed or low-income community, are not adequately served by mainstream financial institutions, thereby enabling them to succeed and thrive.

Filing and Contact Details

Filer

EIN
13-3790222
Raw XML Appendix156 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.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRpt00
IRS990EZ/AmountOfTaxImposedOnOrgMgr00
IRS990EZ/AmountOfTaxReimbursedByOrg00
IRS990EZ/CashSavingsAndInvestments/BOY07417
IRS990EZ/CashSavingsAndInvestments/EOY02675
IRS990EZ/ContributionsGiftsGrantsEtc02302
IRS990EZ/DirectIndirectPoliticalExpend00
IRS990EZ/EngagedInExcessBenefitTrans00
IRS990EZ/EngageInLobbyingActivities00
IRS990EZ/EngagePoliticalCmpgnActivities00
IRS990EZ/ExcessOrDeficitForYear0-4742
IRS990EZ/FeesAndOthPymtToIndContractors06302
IRS990EZ/ForeignFinancialAccount00
IRS990EZ/ForeignOffice00
IRS990EZ/GrossReceipts02302
IRS990EZ/MadeChangesToOrgnzngEtcDoc00
IRS990EZ/MadeLoansToFromOfficers00
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IRS990EZ/MethodOfAccountingAccrual0X
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IRS990EZ/NetAssetsOrFundBalancesBOY0151
IRS990EZ/NetAssetsOrFundBalances/EOY0-4591
IRS990EZ/NetAssetsOrFundBalancesEOY0-4591
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AddressUS/AddressLine11555 BERGEN AVENUE 3RD FLOOR
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AddressUS/AddressLine13555 BERGEN AVENUE 3RD FLOOR
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AddressUS/AddressLine14555 BERGEN AVENUE 3RD FLOOR
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AddressUS/City0BRONX
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AddressUS/State1NY
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AddressUS/State3NY
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AddressUS/State4NY
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AddressUS/ZIPCode010455
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AddressUS/ZIPCode110455
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AddressUS/ZIPCode310455
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AddressUS/ZIPCode410455
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition00.30
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition10.30
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition20.30
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition30.30
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition40.30
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation10
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation20
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation30
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation40
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ContriToEmplBenefitPlansEtc00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ContriToEmplBenefitPlansEtc10
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ContriToEmplBenefitPlansEtc20
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ContriToEmplBenefitPlansEtc30
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ContriToEmplBenefitPlansEtc40
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ExpenseAccountOtherAllowances00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ExpenseAccountOtherAllowances10
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ExpenseAccountOtherAllowances20
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ExpenseAccountOtherAllowances30
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ExpenseAccountOtherAllowances40
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName0Phillip morrow
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName1Gerard WEINBRECHT
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName2DENNIS DERRYCK
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName3NEIL PARISER
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName4JEAN SMITH
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title0Chairman
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title1VICE CHAIRMAN
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title2SECRETARY
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title3PRESIDENT
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title4BOARD MEMBER
IRS990EZ/OperatingSchool00
IRS990EZ/Organization501c0X
IRS990EZ/OrganizationDissolvedEtc00
IRS990EZ/OrganizationHadUBI00
IRS990EZ/OtherAssetsTotal/BOY060250
IRS990EZ/OtherAssetsTotal/EOY057950
IRS990EZ/OtherExpensesTotal0742
IRS990EZ/PartVIAHghstPaidCntrctProfSer0NONE
IRS990EZ/PartVIOfCompOfHighestPaidEmpl0NONE
IRS990EZ/PrimaryExemptPurpose0CREDIT INC.'S PRIMARY FUNCTION IS TO FACILITATE CAPITAL AND FINANCIAL SERVICES FOR ORGANIZATIONS, MINORITY AND FEMALE ENTERPRENEURS AND OTHER BUSINESSES THAT, DUE TO THEIR LOCATION IN A DISTRESSED OR LOW-INCOME COMMUNITY, ARE NOT ADEQUATELY SERVED BY MAINSTREAM FINANCIAL INSTITUTIONS, THEREBY ENABLING THEM TO SUCCEED AND THRIVE.
IRS990EZ/ProgramServiceAccomplishment/DescriptionProgramServiceAccom0CREDIT, INC. FACILITATES CAPITAL AND FINANCIAL SERVICES FOR LOW-INCOME COMMUNITY RESIDENTS, ORGANIZATIONS AND OTHER BUSINESSES
IRS990EZ/ProgramServiceAccomplishment/GrantsAndAllocations00
IRS990EZ/ProgramServiceAccomplishment/ProgramServiceExpenses02544
IRS990EZ/ProhibitedTaxShelterTrans00
IRS990EZ/RelatedOrgControlledEntity00
IRS990EZ/ScheduleBNotRequired0X
IRS990EZ/StatesWhereCopyOfReturnIsFiled0NY
IRS990EZ/SumOfTotalLiabilities/BOY067516
IRS990EZ/SumOfTotalLiabilities/EOY065216
IRS990EZ/TaxImposedUnderIRC491100
IRS990EZ/TaxImposedUnderIRC491200
IRS990EZ/TaxImposedUnderIRC495500
IRS990EZ/TheBooksAreInCareOf/AddressUS/AddressLine10555 BERGEN AVE 3RD FLOOR NY
IRS990EZ/TheBooksAreInCareOf/AddressUS/City0Bronx
IRS990EZ/TheBooksAreInCareOf/AddressUS/State0NY
IRS990EZ/TheBooksAreInCareOf/AddressUS/ZIPCode010455
IRS990EZ/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10christie alcid
IRS990EZ/TheBooksAreInCareOf/TelephoneNumber07187327510
IRS990EZ/TotalAssets/BOY067667
IRS990EZ/TotalAssets/EOY060625
IRS990EZ/TotalExpenses07044
IRS990EZ/TotalProgramServiceExpenses02544
IRS990EZ/TotalRevenue02302
IRS990EZ/TrnsfrsExemptNonCharRelatedOrg00
IRS990EZ/WebSite0www.sobro.org
IRS990ScheduleA/AmountsSubstContributorsTotal02234
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYear02302
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus1Year01120
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus2Years0103710
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus4Years05000
IRS990ScheduleA/GiftsGrantsContribReceived170/Total0112132
IRS990ScheduleA/GrossReceiptsFromAdmissionsEtc01290
IRS990ScheduleA/OtherIncome170/CurrentTaxYearMinus3Years016000
IRS990ScheduleA/OtherIncome170/CurrentTaxYearMinus4Years010163
IRS990ScheduleA/OtherIncome170/Total026163
IRS990ScheduleA/PubliclySupportedOrg170b1Avi0X
IRS990ScheduleA/PublicSupportPertcentage17000.79470
IRS990ScheduleA/PublicSupportPertcentPriorYear00.78150
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IRS990ScheduleA/Total170/CurrentTaxYearMinus4Years05000
IRS990ScheduleA/Total170/Total0112132
IRS990ScheduleA/TotalSupport0138295
TransferPrsnlBnftContractsDecl/Declaration0The organization did not, during the year, receive any funds, directly,or indirectly, to pay premiums on a personal benefit contract.The organization, did not, during the year, pay any premiums, directly,or indirectly, on a personal benefit contract.
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0133790222
ReturnHeader/Filer/Name/BusinessNameLine10Credit Inc
ReturnHeader/Filer/NameControl0CRED
ReturnHeader/Filer/Phone07182923113
ReturnHeader/Filer/USAddress/AddressLine10555 BERGEN AVENUE 3rd floor
ReturnHeader/Filer/USAddress/City0BRONX
ReturnHeader/Filer/USAddress/State0NY
ReturnHeader/Filer/USAddress/ZIPCode010455
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02011-01-10
ReturnHeader/Officer/Name0phillip morrow
ReturnHeader/Officer/Phone07182923113
ReturnHeader/Officer/Title0chairman
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10LOEB & TROPER LLP
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10655 THIRD AVENUE 12TH FLOOR
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0NEW YORK
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0NY
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode010017
ReturnHeader/Preparer/Name0FREDERICK H ROTHMAN
ReturnHeader/Preparer/Phone02128674000
ReturnHeader/ReturnType0990EZ
ReturnHeader/TaxPeriodBeginDate02009-04-01
ReturnHeader/TaxPeriodEndDate02010-03-31
ReturnHeader/TaxYear02009
ReturnHeader/Timestamp02011-01-17T10:03:35-06:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2010 • Form 990EZFacts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$60,625
Liabilities
$65,216
Net assets
-$4,591
Revenue
$2,302
Expenses
$7,044
Net income
-$4,742
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.79$1.05$0.26$0.00$0.42$0.42
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.79$0.63$0.17$0.25$0.68$0.43
2021Detailed filing. Detailed filing data is available for this year.$0.71$0.11$0.60$0.50$0.13$0.37
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.24$0.50$0.26$0.00$0.09$0.09
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.41$0.51$0.10$0.54$1.01$0.47
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.96$0.59$0.37$0.49$0.40$0.09
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.13$0.41$0.72$0.83$0.64$0.18
2016Detailed filing. Detailed filing data is available for this year.$1.18$0.65$0.54$0.94$0.75$0.19
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.41$1.06$0.35$1.01$0.78$0.23
2013Summary only. Only limited summary data is available for this year.$1.06$0.91$0.33$0.15$0.18
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.64$0.68$0.04$0.34$0.33$0.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.61$0.65$0.05$0.02$0.07$0.05