Civic Intelligence

Credit Research Foundation Inc.

990 • Fiscal year 2012 • EIN 13-5569334

Jan 01, 2012 to Dec 31, 2012

Organization ProfileCRFONLINE.ORG
Westminster, MD
Siviq Scores

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

Liabilities / Assets

71st percentile

0.38x

Higher debt load relative to assets than 71% of similar nonprofits.

2012 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2012

Liabilities / Revenue

73rd percentile

0.42x

Higher debt load relative to revenue than 73% of similar nonprofits.

2012 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2012

Net Margin

71st percentile

11%

Higher net margin than 71% of similar nonprofits.

2012 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

87th percentile

27%

Faster asset growth than 87% of similar nonprofits.

2012 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2011 to 2012

Revenue Growth

57th percentile

5.4%

Faster revenue growth than 57% of similar nonprofits.

2012 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2011 to 2012

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$1,496,887

Up $319,550 (+27%) from 2011

Net Assets

Up

$934,865

Up $195,222 (+26%) from 2011

Liabilities

Up

$562,022

Up $124,328 (+28%) from 2011

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin71st percentile

Revenue

Up

$1,327,097

Up $67,515 (+5.4%) from 2011

Expenses

Up

$1,184,420

Up $35,017 (+3.0%) from 2011

Net Income

Up

$142,677

Up $32,498 (+29%) from 2011

Historical Trend

Balance Sheet Trend

Asset Growth87th 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

2012

Assets$1,496,887
Liabilities$562,022
Net Assets$934,865
Open 2012 Filing

Operations Trend

Revenue Growth57th 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

2012

Revenue$1,327,097
Expenses$1,184,420
Net Income$142,677
Open 2012 Filing
Filing Detail Status

This 2012 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

View Latest Detailed Filing (2025)
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Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
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.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$1,496,887
Liabilities
$562,022
Net assets
$934,865
Revenue
$1,327,097
Expenses
$1,184,420
Net income
$142,677
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