Civic Intelligence

Credit Inc

990EZ • Fiscal year 2019 • EIN 13-3790222

Apr 01, 2018 to Mar 31, 2019 • Filed on Jul 15, 2021

Organization Profilewww.SOBRO.ORG
555 Bergen Avenue 3rd FloorBronx, NY 10455

(718) 292-3113

Siviq Scores

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

Liabilities / Assets

95th percentile

1.24x

Higher debt load relative to assets than 95% of similar nonprofits.

2019 filings • NTEE S • <$500k nonprofits • Source year 2019

Liabilities / Revenue

94th percentile

0.94x

Higher debt load relative to revenue than 94% of similar nonprofits.

2019 filings • NTEE S • <$500k nonprofits • Source year 2019

Net Margin

6th percentile

-87%

Higher net margin than 6% of similar nonprofits.

2019 filings • NTEE S • <$500k nonprofits • Source year 2019

Top Officer Pay

78th percentile

$0

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2019 filings • NTEE S • <$500k nonprofits • Source year 2019

Asset Growth

6th percentile

-57%

Faster asset growth than 6% of similar nonprofits.

2019 filings • NTEE S • <$500k nonprofits • Annualized from 2018 to 2019

Revenue Growth

63rd percentile

11%

Faster revenue growth than 63% of similar nonprofits.

2019 filings • NTEE S • <$500k nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets95th percentile

Assets

Down

$41,060

Down $55,178 (-57%) from 2018

Net Assets

Down

-$9,883

Down $47,178 (-126%) from 2018

Liabilities

Down

$50,943

Down $8,000 (-14%) from 2018

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin6th percentile

Revenue

Up

$54,200

Up $5,246 (+11%) from 2018

Expenses

Up

$101,378

Up $61,257 (+153%) from 2018

Net Income

Down

-$47,178

Down $56,011 (-634%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth6th percentile

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

2019

Assets$41,060
Liabilities$50,943
Net Assets-$9,883
Open 2019 Filing

Operations Trend

Revenue Growth63rd percentile

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

2019

Revenue$54,200
Expenses$101,378
Net Income-$47,178
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Apr 1, 2018 to Mar 31, 2019
Signed
Jul 15, 2021
Return Version
2018v3.3
Gross Receipts
$54,200
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.

Program Services

DescriptionGrantsExpenses
THE PROCUREMENT AND TECHNICAL ASSISTANCE PROGRAM HELPED LOCAL BUSINESSES TO SECURE GOVERNMENT CONTRACTS.-$38,093
THE INDUSTRIAL DEVELOPMENT AND JOB CREATION PROGRAMS PROVIDE AN EXTENSIVE RANGE OF COMMERCIAL AND INDUSTRIAL BUSINESS INCENTIVES THROUGH PARTNERSHIPS WITH GOVERNMENT AGENCIES TO ATTRACT INVESTMENT AND ENSURE THAT EXISTING BUSINESSES CAN THRIVE.-$3,480
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mark CastleChairperson-$0--
Jean SmithVice Chair-$0--
Karen McGuinnessTreasurer-$0--
Arline ParksSecretary-$0--
STEVEN BROWNPresident & CEO-$0--
Lesia BatesInterim CFO-$0--
Filing and Contact Details

Filer

Filer Name
Credit Inc
EIN
13-3790222
In Care Of
% KAREN MCGUINNESS
Phone
7182923113
Address
555 BERGEN AVENUE 3RD FLOOR, Bronx, NY 10455

Signing Officer

Name
Lourdes Zapata
Title
President & CEO
Phone
7182923113
Signed
2021-07-15
Discuss with paid preparer
Yes

Preparer

Firm
Bkd Llp
Address
1155 Avenue of the Americas 1200, New York, NY 10036
Preparer
Aaron Shapiro
Phone
2128674000
Supplemental Narrative

Additional Explanations

Part V, INFORMATION REGARDING PERSONAL BENEFIT CONTRACTS

“The 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.”

Form 990EZ Part I Line 8

“Description:MISCELLANEOUS Amount:9000”

Form 990EZ Part I Line 16

“Description:BAD DEBT Amount:59805”

Form 990EZ Part I Line 16

“Description:ADMINISTRATION FEES Amount:774”

Form 990EZ Part I Line 16

“Description:MISCELLANEOUS Amount:118”

Form 990EZ Part II Line 24

“Description:DUE FROM RELATED ORGS. BOY Amount:86661 EOY Amount:758”

Raw XML Appendix189 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
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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Bronx
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Mark Castle
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Arline Parks
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4STEVEN BROWN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5Lesia Bates
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0CHAIRPERSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Vice Chair
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4President & CEO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Interim CFO
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt086661
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0758
IRS990EZ/OtherExpensesTotalAmt066265
IRS990EZ/OtherRevenueTotalAmt09000
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0CREDIT 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.
IRS990EZ/PrintingPublicationsPostageAmt026
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IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1THE INDUSTRIAL DEVELOPMENT AND JOB CREATION PROGRAMS PROVIDE AN EXTENSIVE RANGE OF COMMERCIAL AND INDUSTRIAL BUSINESS INCENTIVES THROUGH PARTNERSHIPS WITH GOVERNMENT AGENCIES TO ATTRACT INVESTMENT AND ENSURE THAT EXISTING BUSINESSES CAN THRIVE.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt038093
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt13480
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt00
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NY
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt058943
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt050943
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0101378
IRS990EZ/TotalProgramServiceExpensesAmt041573
IRS990EZ/TotalRevenueAmt054200
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0www.SOBRO.ORG
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0THE ORGANIZATION IS IN THE PROCESS OF STARTING UP AGAIN AND IS REDIVERSIFYING ITS CONTRIBUTIONS. THE PARENT ORGANIZATION, SOUTH BRONX OVERALL ECONOMIC DEVELOPMENT CORPORATION, A PUBLICLY SUPPORTED 501(C)(3), HAS PLEDGED TO DONATE THE AMOUNTS NECESSARY TO MAINTAIN THE 33% THRESHOLD.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, SECTION C, LINE 17A
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt045000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt068600
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt090000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt040000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0243600
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt0200
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt03774
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt02227
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt06201
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IRS990ScheduleA/OtherIncome170Grp/TotalAmt086248
IRS990ScheduleA/PublicOrganization170Ind0X
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IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0243600
IRS990ScheduleA/TotalSupportAmt0336049
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IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Description:MISCELLANEOUS Amount:9000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Description:BAD DEBT Amount:59805
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Description:ADMINISTRATION FEES Amount:774
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Description:MISCELLANEOUS Amount:118
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Description:DUE FROM RELATED ORGS. BOY Amount:86661 EOY Amount:758
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part V, INFORMATION REGARDING PERSONAL BENEFIT CONTRACTS
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990EZ PART I LINE 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990EZ PART I LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990EZ PART I LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990EZ PART I LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990EZ PART II LINE 24
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LOURDES ZAPATA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President & CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07182923113
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-07-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Credit Inc
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0133790222
ReturnHeader/Filer/InCareOfNm0% KAREN MCGUINNESS
ReturnHeader/Filer/PhoneNum07182923113
ReturnHeader/Filer/USAddress/AddressLine1Txt0555 BERGEN AVENUE 3RD FLOOR
ReturnHeader/Filer/USAddress/CityNm0Bronx
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NY
ReturnHeader/Filer/USAddress/ZIPCd010455
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BKD LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01155 Avenue of the Americas 1200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0New York
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd010036
ReturnHeader/PreparerPersonGrp/PhoneNum02128674000
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Aaron Shapiro
ReturnHeader/ReturnTs02021-07-28T11:34:07-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02018-04-01
ReturnHeader/TaxPeriodEndDt02019-03-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$41,060
Liabilities
$50,943
Net assets
-$9,883
Revenue
$54,200
Expenses
$101,378
Net income
-$47,178
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
2019Detailed filing. Detailed filing data is available for this year.$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