Civic Intelligence

Credit Research Foundation Inc

EIN 13-5569334 • 501(c)3 • Westminster, MD

View Organization Page

Profile

The foundation's primary objective is to provide education and research for today's credit, accounts receivable and customer financial service professionals. Crf promotes leadership and provides linkage between practice and education, serving its diverse membership by recognizing excellence, promoting the exchange of information and fostering intellectual development.

1812 Baltimore Blvd HWestminster, MD 21157

crfonline.org

Siviq Scores

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

Liabilities / Assets

80th percentile

0.43x

Higher debt load relative to assets than 80% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

79th percentile

0.44x

Higher debt load relative to revenue than 79% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Net Margin

40th percentile

0.3%

Higher net margin than 40% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

94th percentile

$287,777

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 17.9% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Asset Growth

54th percentile

5.1%

Faster asset growth than 54% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

23rd percentile

-10%

Faster revenue growth than 23% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$1,645,971

Up $79,477 (+5.1%) from 2024

Liabilities

Up

$702,290

Up $53,733 (+8.3%) from 2024

Net Assets

Up

$943,681

Up $25,744 (+2.8%) from 2024

Operations
Liabilities / Revenue79th percentileNet Margin40th percentile

Revenue

Down

$1,603,588

Down $186,402 (-10%) from 2024

Expenses

Down

$1,599,320

Down $136,551 (-7.9%) from 2024

Net Income

Down

$4,268

Down $49,851 (-92%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth54th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $1,118,338Liabilities 2010: $428,432Net Assets 2010: $689,9062010Assets 2011: $1,177,337Liabilities 2011: $437,694Net Assets 2011: $739,6432011Assets 2012: $1,496,887Liabilities 2012: $562,022Net Assets 2012: $934,8652012Assets 2013: $1,562,524Liabilities 2013: $540,950Net Assets 2013: $1,021,5742013Assets 2014: $1,786,009Liabilities 2014: $691,521Net Assets 2014: $1,094,4882014Assets 2015: $1,833,240Liabilities 2015: $664,275Net Assets 2015: $1,168,9652015Assets 2016: $1,934,412Liabilities 2016: $727,612Net Assets 2016: $1,206,8002016Assets 2017: $2,123,700Liabilities 2017: $755,144Net Assets 2017: $1,368,5562017Assets 2018: $1,993,897Liabilities 2018: $726,252Net Assets 2018: $1,267,6452018Assets 2019: $1,973,935Liabilities 2019: $653,093Net Assets 2019: $1,320,8422019Assets 2020: $1,950,205Liabilities 2020: $500,804Net Assets 2020: $1,449,4012020Assets 2021: $1,969,851Liabilities 2021: $556,217Net Assets 2021: $1,413,6342021Assets 2022: $1,367,248Liabilities 2022: $514,862Net Assets 2022: $852,3862022Assets 2023: $1,443,004Liabilities 2023: $574,459Net Assets 2023: $868,5452023Assets 2024: $1,566,494Liabilities 2024: $648,557Net Assets 2024: $917,9372024Assets 2025: $1,645,971Liabilities 2025: $702,290Net Assets 2025: $943,6812025

Highlighted filing

2025

Assets$1,645,971
Liabilities$702,290
Net Assets$943,681
Open 2025 Filing

Operations Trend

Revenue Growth23rd percentile

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

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,048,8272010Revenue 2011: $1,259,582Expenses 2011: $1,149,403Net Income 2011: $110,1792011Revenue 2012: $1,327,097Expenses 2012: $1,184,420Net Income 2012: $142,6772012Revenue 2013: $1,387,924Expenses 2013: $1,329,305Net Income 2013: $58,6192013Revenue 2014: $1,466,229Expenses 2014: $1,343,352Net Income 2014: $122,8772014Revenue 2015: $1,649,827Expenses 2015: $1,482,449Net Income 2015: $167,3782015Revenue 2016: $1,617,840Expenses 2016: $1,591,342Net Income 2016: $26,4982016Revenue 2017: $1,733,471Expenses 2017: $1,680,738Net Income 2017: $52,7332017Revenue 2018: $1,724,238Expenses 2018: $1,584,018Net Income 2018: $140,2202018Revenue 2019: $1,550,907Expenses 2019: $1,620,096Net Income 2019: -$69,1892019Revenue 2020: $1,371,302Expenses 2020: $1,259,492Net Income 2020: $111,8102020Revenue 2021: $1,299,990Expenses 2021: $1,335,757Net Income 2021: -$35,7672021Revenue 2022: $1,087,744Expenses 2022: $1,648,958Net Income 2022: -$561,2142022Revenue 2023: $1,483,936Expenses 2023: $1,588,797Net Income 2023: -$104,8612023Revenue 2024: $1,789,990Expenses 2024: $1,735,871Net Income 2024: $54,1192024Revenue 2025: $1,603,588Expenses 2025: $1,599,320Net Income 2025: $4,2682025

Highlighted filing

2025

Revenue$1,603,588
Expenses$1,599,320
Net Income$4,268
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,645,971
Liabilities
$702,290
Net assets
$943,681
Revenue
$1,603,588
Expenses
$1,599,320
Net income
$4,268
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.65$0.70$0.94$1.60$1.60$0.00
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.57$0.65$0.92$1.79$1.74$0.05
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.44$0.57$0.87$1.48$1.59$0.10
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.37$0.51$0.85$1.09$1.65$0.56
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.97$0.56$1.41$1.30$1.34$0.04
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.95$0.50$1.45$1.37$1.26$0.11
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.97$0.65$1.32$1.55$1.62$0.07
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.99$0.73$1.27$1.72$1.58$0.14
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.12$0.76$1.37$1.73$1.68$0.05
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.93$0.73$1.21$1.62$1.59$0.03
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.83$0.66$1.17$1.65$1.48$0.17
2014Detailed filing. Detailed filing data is available for this year.$1.79$0.69$1.09$1.47$1.34$0.12
2013Summary only. Only limited summary data is available for this year.$1.56$0.54$1.02$1.39$1.33$0.06
2012Summary only. Only limited summary data is available for this year.$1.50$0.56$0.93$1.33$1.18$0.14
2011Summary only. Only limited summary data is available for this year.$1.18$0.44$0.74$1.26$1.15$0.11
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.12$0.43$0.69$1.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 3, 2026
Return Version
2025v4.0
Gross Receipts
$4,448,534
Mission and Program Overview

Mission

The foundation's primary objective is to provide education and research for today's credit, accounts receivable and customer financial service professionals. Crf promotes leadership and provides linkage between practice and education, serving its diverse membership by recognizing excellence, promoting the exchange of information and fostering intellectual development.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$917,694$1,140,765▲ $223,071
Investments in Publicly Traded Securities$371,512$227,589▼ $143,923
Cash and Non-Interest-Bearing Accounts$155,397$164,854▲ $9,457
Prepaid Expenses and Deferred Charges$55,479$64,615▲ $9,136
Land, Buildings, and Equipment, Net$2,817$4,598▲ $1,781
Total Assets$1,566,494$1,645,971▲ $79,477
Other Assets Total$63,595$43,550▼ $20,045
Liabilities
Deferred Revenue$384,008$426,000▲ $41,992
Accounts Payable and Accrued Expenses$200,774$232,643▲ $31,869
Other Liabilities$63,775$43,647▼ $20,128
Total Liabilities$648,557$702,290▲ $53,733
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$917,937$943,681▲ $25,744
Total Net Assets Fund Balance$917,937$943,681▲ $25,744
Total Liabilities and Net Assets / Fund Balance$1,566,494$1,645,971▲ $79,477
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Matt SkuderaPresidentFT$230,577$57,200$287,777
Cheryl WeaverlingCFOFT$145,615$43,160$188,775

Board Members and Trustees

NameTitle
Robert AndersonChairman
Andrew MaluegVice Chair
Chris ArringtonVice Chair
Nancy TopichTrustee
Toni Marie-mcleanTrustee
Taylor RickettsPlatinum Par
Conrad RaganVendor Rep
Revenue and Support

Revenue Composition

Contributions and Grants
$346,680
Program Service Revenue
$1,142,071
Investment Income
$59,987
Other Revenue
$54,850
All Other Contributions
$346,680
Change in Net Assets
$4,268

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,601,273
Revenue Not Reported on Financial Statements
$2,315
Revenue Not Reported on Form 990
$21,476
Total Revenue per Audited Statements
$1,622,749
Total Revenue per Form 990
$1,603,588
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,053,994
Other Expenses$545,326
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$341,394$113,798-$455,192
Other Employee Benefits$194,007$64,669-$258,676
Other Salaries and Wages$184,464$61,488-$245,952
Payroll Taxes$40,814$13,605-$54,419
Occupancy$36,245$9,060-$45,305
Pension Plan Contributions$29,816$9,939-$39,755
Fees for Services Other-$32,749-$32,749
Fees for Services Accounting-$26,203-$26,203
Information Technology$18,151--$18,151
Advertising$13,060--$13,060
Office Expenses-$6,601-$6,601
Insurance-$6,152-$6,152
Depreciation Depletion$2,279$570-$2,849
Fees for Service Investment Mgmnt Fees-$2,315-$2,315
Travel$2,047$227-$2,274
Interest$1,437$359-$1,796
Other Expenses$10,636$463-$463
Total Functional Expenses$1,216,872$382,448$0$1,599,320

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,599,320
Expenses per Audited Statements$1,597,005
Total Expenses per Audited Statements$1,597,005
Expenses Not Reported on Financial Statements$2,315
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lease Liability$43,647
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The organization has approximately 340 members but not all are voting members.”

Form 990, Page 6, Part VI, Line 7A

“The nominating committee recommends individuals to be elected to the board. The board of trustess vote to accept or reject the nomination.”

Form 990, Page 6, Part VI, Line 11B

“The president reviews the federal form 990 prior to filing.”

Form 990, Page 6, Part VI, Line 12C

“Members of the board and staff have a duty to disclose any personal, family or business interests that may , in the eyes of another person, influence their judgment. The board as a whole has a duty to disclose specific conflicts of interest to foundation members, staff and external stakeholders where that interest may, in their judgment, affect the reputation or credibility of the foundation, and to disclose the board's procedure for operating in the presence of such conflicts. Board members and staff have a duty to exempt themselves from participating in any discussion and voting on any matters where they have, or may be perceived as having a conflict of interest. Such exemptions should be recorded in the minutes of meetings. Any business relationship between an individual (or a company where the individual is an owner or in a position of authority) and the foundation, outside of their relationship as a board or staff member, must be formalized in writing and approved by the board.”

Form 990, Page 6, Part VI, Line 15A

“The board of trustees conducted a thorough compensation study based on information from the american society of association executives as well as interviews with other association executives in determining the salary for the crf president.”

Form 990, Page 6, Part VI, Line 19

“The foundation's governing documents, conflict of interest policy and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Credit Research Foundation Inc
EIN
13-5569334
Phone
4438213000
Address
1812 BALTIMORE BLVD H, WESTMINSTER, MD 21157

Signing Officer

Name
Matt Skudera
Title
President
Phone
4438213000
Signed
2026-02-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Matt Skudera
Formed
1949
Legal Domicile
Md
Voting Board Members
8
Independent Board Members
8
Employees
4

Preparer

Firm
L&h Business Consulting
Address
1212 YORK RD STE C300, LUTHERVILLE, MD 21093-6274
Preparer
Carly Peters CPA
Phone
4108284177
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“The foundation's primary objective is to provide education and research for today's credit, accounts receivable and customer financial service professionals. Crf promotes leadership and provides linkage between practice and education, serving its diverse membership by recognizing excellence, promoting the exchange of information and fostering intellectual development.”

Form 990, Page 2, Part III, Line 4D

“Research - the foundation conducts research in credit related fields and accounts receivable management.”

Raw XML AppendixShowing 400 of 498 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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