Civic Intelligence

Credit Research Foundation Inc.

990 • Fiscal year 2016 • EIN 13-5569334

Jan 01, 2016 to Dec 31, 2016 • Filed on Feb 07, 2017

Organization ProfileCRFONLINE.ORG

View Organization Page

1812 Baltimore Blvd HWestminster, MD 21157

(443) 821-3000

Siviq Scores

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

Liabilities / Assets

74th percentile

0.38x

Higher debt load relative to assets than 74% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

75th percentile

0.45x

Higher debt load relative to revenue than 75% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Net Margin

48th percentile

1.6%

Higher net margin than 48% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

94th percentile

$306,996

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 19.0% of source-year revenue.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2016

Asset Growth

63rd percentile

5.5%

Faster asset growth than 63% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

36th percentile

-1.9%

Faster revenue growth than 36% of similar nonprofits.

2016 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$1,934,412

Up $101,172 (+5.5%) from 2015

Net Assets

Up

$1,206,800

Up $37,835 (+3.2%) from 2015

Liabilities

Up

$727,612

Up $63,337 (+9.5%) from 2015

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin48th percentile

Revenue

Down

$1,617,840

Down $31,987 (-1.9%) from 2015

Expenses

Up

$1,591,342

Up $108,893 (+7.3%) from 2015

Net Income

Down

$26,498

Down $140,880 (-84%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth63rd percentile

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

$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

2016

Assets$1,934,412
Liabilities$727,612
Net Assets$1,206,800
Open 2016 Filing

Operations Trend

Revenue Growth36th percentile

Revenue, expenses, and net income across loaded years, with this 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

2016

Revenue$1,617,840
Expenses$1,591,342
Net Income$26,498
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Feb 7, 2017
Return Version
2016v3.0
Gross Receipts
$2,128,147
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
Investments in Publicly Traded Securities$1,299,725$1,255,883▼ $43,842
Cash and Non-Interest-Bearing Accounts$352,037$408,412▲ $56,375
Savings and Temporary Cash Investments$129,582$225,826▲ $96,244
Land, Buildings, and Equipment, Net$16,570$20,227▲ $3,657
Prepaid Expenses and Deferred Charges$30,068$18,967▼ $11,101
Accounts Receivable$3,858$3,697▼ $161
Total Assets$1,833,240$1,934,412▲ $101,172
Other Assets Total$1,400$1,400→ $0
Liabilities
Deferred Revenue$497,850$502,675▲ $4,825
Accounts Payable and Accrued Expenses$166,425$224,937▲ $58,512
Total Liabilities$664,275$727,612▲ $63,337
Net Assets / Fund Balance
Unrestricted Net Assets$1,168,965$1,206,800▲ $37,835
Total Net Assets Fund Balance$1,168,965$1,206,800▲ $37,835
Total Liabilities and Net Assets / Fund Balance$1,833,240$1,934,412▲ $101,172

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$16,125$55,829$71,954
Other Land Buildings$4,102$11,440$15,542
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
William BalduinoPresidentFT$279,188$27,808$306,996
Matthew SkuderaVP ResearchFT$168,414$19,892$188,306
Cheryl WeaverlingCFOFT$136,477$7,397$143,874

Board Members and Trustees

NameTitle
Sharon NickersonChairman
Marty ScaminaciPast Chairma
Anna MantelTrustee
Art TuttleTrustee
Dawn BufordTrustee
Frank SebastianTrustee
Jackie MulliganTrustee
Kris SkupasTrustee
Michael BevilacquaTrustee
Paul CatalanoTrustee
Peter KnoxTrustee
Revenue and Support

Revenue Composition

Contributions and Grants
$268,025
Program Service Revenue
$1,235,550
Investment Income
$49,830
Other Revenue
$64,435
All Other Contributions
$268,025
Change in Net Assets
$26,498

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,617,840
Revenue Not Reported on Form 990
$11,337
Total Revenue per Audited Statements
$1,629,177
Total Revenue per Form 990
$1,617,840
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$989,736
Other Expenses$601,606
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$419,060$165,019-$584,079
Conferences and Meetings$364,526--$364,526
Other Salaries and Wages$224,464$17,017-$241,481
Other Employee Benefits$63,100$17,798-$80,898
Occupancy$39,678$9,920-$49,598
Payroll Taxes$33,718$9,510-$43,228
Pension Plan Contributions$31,239$8,811-$40,050
All Other Expenses$32,327$926-$33,253
Office Expenses-$25,505-$25,505
Other Expenses$13,858$2,358-$13,858
Fees for Services Accounting-$13,850-$13,850
Fees for Service Investment Mgmnt Fees-$8,911-$8,911
Depreciation Depletion$7,102$1,775-$8,877
Travel$7,979$886-$8,865
Insurance-$6,139-$6,139
Total Functional Expenses$1,279,626$311,716$0$1,591,342

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,591,342
Total Expenses per Audited Statements$1,591,342
Total Expenses per Form 990$1,591,342
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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 600 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 judgement. 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 judgement, 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
William Balduino
Title
President
Phone
4438213003
Signed
2017-02-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William Balduino
Formed
1949
Legal Domicile
Md
Voting Board Members
12
Independent Board Members
12
Employees
5

Preparer

Firm
Sturgill & Associates Llp
Address
20 LIBERTY ST - PO BOX 546, WESTMINSTER, MD 21158-0546
Preparer
Gerald L Sturgill CPA
Phone
4108484460
Supplemental Narrative

Additional Explanations

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 536 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0166425
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0224937
IRS990/AccountsReceivableGrp/BOYAmt03858
IRS990/AccountsReceivableGrp/EOYAmt03697
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0THE 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.
IRS990/AllOtherContributionsAmt0268025
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt0926
IRS990/AllOtherExpensesGrp/ProgramServicesAmt032327
IRS990/AllOtherExpensesGrp/TotalAmt033253
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0false
IRS990/BooksInCareOfDetail/PersonNm0CHERYL WEAVERLING
IRS990/BooksInCareOfDetail/PhoneNum04438213003
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01812 BALTIMORE BLVD SUITE H
IRS990/BooksInCareOfDetail/USAddress/CityNm0WESTMINSTER
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MD
IRS990/BooksInCareOfDetail/USAddress/ZIPCd021157
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0352037
IRS990/CashNonInterestBearingGrp/EOYAmt0408412
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0165019
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0419060
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0584079
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt0364526
IRS990/ConferencesMeetingsGrp/TotalAmt0364526
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0268025
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt049830
IRS990/CYOtherExpensesAmt0601606
IRS990/CYOtherRevenueAmt064435
IRS990/CYProgramServiceRevenueAmt01235550
IRS990/CYRevenuesLessExpensesAmt026498
IRS990/CYSalariesCompEmpBnftPaidAmt0989736
IRS990/CYTotalExpensesAmt01591342
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01617840
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DeferredRevenueGrp/BOYAmt0497850
IRS990/DeferredRevenueGrp/EOYAmt0502675
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt01775
IRS990/DepreciationDepletionGrp/ProgramServicesAmt07102
IRS990/DepreciationDepletionGrp/TotalAmt08877
IRS990/Desc0CONFERENCES AND MEETINGS - THE FOUNDATION HOSTS SEVERAL CONFERENCES ANNUALLY AND SPONSORS ROUNDTABLE DISCUSSIONS ON VARIOUS TOPICS RELATED TO CREDIT MANANGEMENT.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt0691141
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt013850
IRS990/FeesForServicesAccountingGrp/TotalAmt013850
IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt08911
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt08911
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt100.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1150.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1127808
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1219892
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt137397
IRS990/Form990PartVIISectionAGrp/PersonNm0MARTY SCAMINACI
IRS990/Form990PartVIISectionAGrp/PersonNm1SHARON NICKERSON
IRS990/Form990PartVIISectionAGrp/PersonNm2MICHAEL BEVILACQUA
IRS990/Form990PartVIISectionAGrp/PersonNm3FRANK SEBASTIAN
IRS990/Form990PartVIISectionAGrp/PersonNm4KRIS SKUPAS
IRS990/Form990PartVIISectionAGrp/PersonNm5ART TUTTLE
IRS990/Form990PartVIISectionAGrp/PersonNm6JACKIE MULLIGAN
IRS990/Form990PartVIISectionAGrp/PersonNm7PETER KNOX
IRS990/Form990PartVIISectionAGrp/PersonNm8ANNA MANTEL
IRS990/Form990PartVIISectionAGrp/PersonNm9DAWN BUFORD
IRS990/Form990PartVIISectionAGrp/PersonNm10PAUL CATALANO
IRS990/Form990PartVIISectionAGrp/PersonNm11WILLIAM BALDUINO
IRS990/Form990PartVIISectionAGrp/PersonNm12MATTHEW SKUDERA
IRS990/Form990PartVIISectionAGrp/PersonNm13CHERYL WEAVERLING
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11279188
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12168414
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13136477
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0PAST CHAIRMA
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt3TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt4TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt6TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt8TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10TRUSTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP RESEARCH
IRS990/Form990PartVIISectionAGrp/TitleTxt13CFO
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01949
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/SecuritiesAmt04305
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0514612
IRS990/GrossReceiptsAmt02128147
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt06139
IRS990/InsuranceGrp/TotalAmt06139
IRS990/InvestmentIncomeGrp/ExclusionAmt045525
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt045525
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt01299725
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01255883
IRS990/IRPDocumentCnt04
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt067269
IRS990/LandBldgEquipBasisNetGrp/BOYAmt016570
IRS990/LandBldgEquipBasisNetGrp/EOYAmt020227
IRS990/LandBldgEquipCostOrOtherBssAmt087496
IRS990/LegalDomicileStateCd0MD
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0510307
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0SEE SCHEDULE O
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01168965
IRS990/NetAssetsOrFundBalancesEOYAmt01206800
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt04305
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt04305
IRS990/NetUnrelatedBusTxblIncmAmt0-22604
IRS990/NetUnrlzdGainsLossesInvstAmt011337
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt09920
IRS990/OccupancyGrp/ProgramServicesAmt039678
IRS990/OccupancyGrp/TotalAmt049598
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt025505
IRS990/OfficeExpensesGrp/TotalAmt025505
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01400
IRS990/OtherAssetsTotalGrp/EOYAmt01400
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt017798
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt063100
IRS990/OtherEmployeeBenefitsGrp/TotalAmt080898
IRS990/OtherExpensesGrp/Desc0TRAINING AND WORKSHOP
IRS990/OtherExpensesGrp/Desc1BANK CHARGES
IRS990/OtherExpensesGrp/Desc2READERSHIP COSTS JOURNAL
IRS990/OtherExpensesGrp/Desc3PROGRAM RELATED IT SERVIC
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt023291
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt12358
IRS990/OtherExpensesGrp/ProgramServicesAmt026987
IRS990/OtherExpensesGrp/ProgramServicesAmt115588
IRS990/OtherExpensesGrp/ProgramServicesAmt213858
IRS990/OtherExpensesGrp/TotalAmt026987
IRS990/OtherExpensesGrp/TotalAmt123291
IRS990/OtherExpensesGrp/TotalAmt217946
IRS990/OtherExpensesGrp/TotalAmt313858
IRS990/OtherRevenueMiscGrp/BusinessCd0541800
IRS990/OtherRevenueMiscGrp/BusinessCd1541800
IRS990/OtherRevenueMiscGrp/BusinessCd2900099
IRS990/OtherRevenueMiscGrp/Desc0CREDIT AND FINANCE JOURNAL
IRS990/OtherRevenueMiscGrp/Desc1CRF NEWS
IRS990/OtherRevenueMiscGrp/Desc2MISCELLANEOUS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01335
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt040000
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt123100
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt21335
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt040000
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt123100
IRS990/OtherRevenueTotalAmt064435
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt017017
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0224464
IRS990/OtherSalariesAndWagesGrp/TotalAmt0241481
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt09510
IRS990/PayrollTaxesGrp/ProgramServicesAmt033718
IRS990/PayrollTaxesGrp/TotalAmt043228
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt08811
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt031239
IRS990/PensionPlanContributionsGrp/TotalAmt040050
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt030068
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt018967
IRS990/PrincipalOfficerNm0WILLIAM BALDUINO
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0611430
IRS990/ProgramServiceRevenueGrp/BusinessCd1611430
IRS990/ProgramServiceRevenueGrp/BusinessCd2611430
IRS990/ProgramServiceRevenueGrp/BusinessCd3611430
IRS990/ProgramServiceRevenueGrp/Desc0CONFERENCES AND MEETINGS
IRS990/ProgramServiceRevenueGrp/Desc1PUBLICATIONS
IRS990/ProgramServiceRevenueGrp/Desc2EDUCATION
IRS990/ProgramServiceRevenueGrp/Desc3RESEARCH
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0583657
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1288676
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2287304
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt375913
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0583657
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1288676
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2287304
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt375913
IRS990/ProgSrvcAccomActy2Grp/Desc0PUBLICATIONS - THE FOUNDATION PUBLISHES A COMPENSATION STUDY OF CREDIT EXECUTIVES AND PERIODICALS FOR USE BY ITS MEMBERS AND THE GENERAL PUBLIC.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0189700
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0288676
IRS990/ProgSrvcAccomActy3Grp/Desc0EDUCATION - THE FOUNDATION OFFERS ONLINE SEMINARS COVERING A VARIETY OF CREDIT RELATED TOPICS AS WELL AS GENERAL BUSINESS TOPICS.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt067664
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt075913
IRS990/ProgSrvcAccomActyOtherGrp/Desc0RESEARCH - THE FOUNDATION CONDUCTS RESEARCH IN CREDIT RELATED FIELDS AND ACCOUNTS RECEIVABLE MANAGEMENT.
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt0331121
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt0287304
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0250225
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt077240
IRS990/PYOtherExpensesAmt0548421
IRS990/PYOtherRevenueAmt062674
IRS990/PYProgramServiceRevenueAmt01259688
IRS990/PYRevenuesLessExpensesAmt0167378
IRS990/PYSalariesCompEmpBnftPaidAmt0934028
IRS990/PYTotalExpensesAmt01482449
IRS990/PYTotalRevenueAmt01649827
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt026498
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0583657
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0129582
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0225826
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt08,990
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART III, LINE 12
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt01129938
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt01135350
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt0874613
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt0826257
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt0813879
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt04780037
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt045525
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt060391
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt068869
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt034087
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt035600
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt0244472
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0373637
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt0374563
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt0427610
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt0425719
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt0408032
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt02009561
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt045525
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt060391
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt068869
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt034087
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt035600
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt0244472
IRS990ScheduleA/InvestmentIncomeCYPct00.03000
IRS990ScheduleA/InvestmentIncomePYPct00.03000
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/CurrentTaxYearAmt022394
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/CurrentTaxYearMinus1YearAmt016571
IRS990ScheduleA/NetIncomeFromOtherUBIGrp/TotalAmt038965
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearAmt01335
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus1YearAmt01824
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus2YearsAmt0645
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus3YearsAmt0841
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus4YearsAmt04345
IRS990ScheduleA/OtherIncome509Grp/TotalAmt08990
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.95870
IRS990ScheduleA/PublicSupportPY509Pct00.95970
IRS990ScheduleA/PublicSupportTotal509Amt06789598
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt01503575
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt01509913
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt01302223
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt01251976
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt01221911
IRS990ScheduleA/Total509Grp/TotalAmt06789598
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt01572829
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt01588699
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt01371737
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt01286904
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt01261856
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt07082025
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt016125
IRS990ScheduleD/EquipmentGrp/DepreciationAmt055829
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt071954

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,934,412
Liabilities
$727,612
Net assets
$1,206,800
Revenue
$1,617,840
Expenses
$1,591,342
Net income
$26,498
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
2016Detailed filing. Detailed filing data is available for this year.$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