Civic Intelligence

Consumer Credit Research Foundation

990 • Fiscal year 2012 • EIN 20-0919672

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 06, 2013

Organization Profilewww.creditresearch.org
CO Hilary B Miller Esq500 W Putnam Ave Ste 40006830-6096
Siviq Scores

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

Liabilities / Assets

53rd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2012 filings • 501(c)3 • <$500k nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

98th percentile

780%

Faster asset growth than 98% of similar nonprofits.

2012 filings • 501(c)3 • <$500k nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$103,656

Up $91,871 (+780%) from 2011

Net Assets

$103,656

No earlier filing loaded for comparison.

Liabilities

Flat

$0

Flat from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$177,952

Down $96,966 (-35%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth98th percentile

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

$150K$100K$50K$0Assets 2010: $134,203Liabilities 2010: $0Net Assets 2010: $134,2032010Assets 2011: $11,785Liabilities 2011: $02011Assets 2012: $103,656Liabilities 2012: $0Net Assets 2012: $103,6562012Assets 2013: $103,467Liabilities 2013: $0Net Assets 2013: $103,4672013Assets 2014: $94,275Liabilities 2014: $0Net Assets 2014: $94,2752014Assets 2015: $66,410Liabilities 2015: $0Net Assets 2015: $66,4102015Assets 2016: $24,375Liabilities 2016: $0Net Assets 2016: $24,3752016Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2012

Assets$103,656
Liabilities$0
Net Assets$103,656
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$300K$200K$100K$0-$100K-$200KRevenue 2010: $110,000Expenses 2010: $43,068Net Income 2010: $66,9322010Revenue 2011: $152,500Expenses 2011: $274,918Net Income 2011: -$122,4182011Expenses 2012: $177,9522012Revenue 2013: $190,441Expenses 2013: $190,630Net Income 2013: -$1892013Revenue 2014: $170,000Expenses 2014: $179,192Net Income 2014: -$9,1922014Revenue 2015: $105,000Expenses 2015: $132,865Net Income 2015: -$27,8652015Revenue 2016: $100,500Expenses 2016: $142,535Net Income 2016: -$42,0352016Revenue 2017: $0Expenses 2017: $24,375Net Income 2017: -$24,3752017Revenue 2018: $0Expenses 2018: $0Net Income 2018: $02018

Highlighted filing

2012

Revenue-
Expenses$177,952
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 6, 2013
Return Version
2012v2.0
Gross Receipts
$269,822
Mission and Program Overview

Mission

Scholarship and research re consumer borrowing

Filing and Contact Details

Filer

EIN
20-0919672
Raw XML Appendix302 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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IRS990/ActivitiesConductedPartnership00
IRS990/ActivityOrMissionDescription0SCHOLARSHIP AND RESEARCH RE CONSUMER BORROWING
IRS990/AddressPrincipalOfficerUS/AddressLine10500 WEST PUTNAM AVENUE SUITE 400
IRS990/AddressPrincipalOfficerUS/City0GREENWICH
IRS990/AddressPrincipalOfficerUS/State0CT
IRS990/AddressPrincipalOfficerUS/ZIPCode0068306096
IRS990/Advertising/ManagementAndGeneral01404
IRS990/Advertising/Total01404
IRS990/AllOtherContributions0269822
IRS990/BenefitsPaidToMembersCY00
IRS990/BsnssRltnshpThruFamilyMember00
IRS990/BsnssRltnshpWithOrganization00
IRS990/CapStckTrstPrinCurrentFunds/BOY00
IRS990/CapStckTrstPrinCurrentFunds/EOY00
IRS990/CashNonInterestBearing/BOY011785
IRS990/CashNonInterestBearing/EOY0103656
IRS990/ChangesToOrganizingDocs00
IRS990/CntrbtnsRprtdFundraisingEvents00
IRS990/CollectionsOfArt00
IRS990/CompCurrentOfficersDirectors/ManagementAndGeneral020500
IRS990/CompCurrentOfficersDirectors/Total020500
IRS990/CompensationFromOtherSources00
IRS990/CompensationProcessCEO00
IRS990/CompensationProcessOther00
IRS990/ComplianceWithBackupWitholding01
IRS990/ConflictOfInterestPolicy00
IRS990/ConservationEasements00
IRS990/ConsolidatedAuditFinancialStmt00
IRS990/ContributionsGrantsCurrentYear0269822
IRS990/CreditCounseling00
IRS990/DecisionsSubjectToApproval00
IRS990/DeductibleContributionsOfArt00
IRS990/DeductibleNonCashContributions00
IRS990/DelegationOfManagementDuties00
IRS990/DescribedIn501C301
IRS990/Description0CONTINUING RESEARCH RE SHORT-TERM CONSUMER LOANS
IRS990/DisregardedEntity00
IRS990/DocumentRetentionPolicy00
IRS990/DonorAdvisedFunds00
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers00
IRS990/ExcessBenefitTransaction00
IRS990/Expense0154478
IRS990/FamilyOrBusinessRelationship00
IRS990/FederalGrantAuditRequired00
IRS990/FederatedCampaigns00
IRS990/ForeignActivities00
IRS990/ForeignFinancialAccount00
IRS990/ForeignOffice00
IRS990/Form1098CFiled00
IRS990/Form8282PropertyDisposedOf00
IRS990/Form8899Filed00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek010
IRS990/Form990PartVIISectionA/AverageHoursPerWeek12
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated00
IRS990/Form990PartVIISectionA/AverageHoursPerWeekRelated10
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/KeyEmployee0X
IRS990/Form990PartVIISectionA/NamePerson0HILARY B MILLER
IRS990/Form990PartVIISectionA/NamePerson1Victor O Stango
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization120500
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/Title0Chairman
IRS990/Form990PartVIISectionA/Title1Board Member
IRS990/Form990ProvidedToGoverningBody00
IRS990/FormersListed00
IRS990/FSAudited00
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IRS990/FundraisingEvents00
IRS990/FundsToPayPremiums00
IRS990/GainOrLoss/Other00
IRS990/GainOrLoss/Securities00
IRS990/Gaming00
IRS990/GovernmentGrants00
IRS990/Grants0128501
IRS990/GrantsAndSimilarAmntsCY0154478
IRS990/GrantsToDomesticIndividuals/ProgramServices0154478
IRS990/GrantsToDomesticIndividuals/Total0154478
IRS990/GrantsToIndividuals01
IRS990/GrantsToOrganizations00
IRS990/GrantToRelatedPerson00
IRS990/GrossReceipts0269822
IRS990/GroupReturnForAffiliates00
IRS990/Hospital00
IRS990/IndependentAuditFinancialStmt00
IRS990/IndoorTanningServices00
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/InvestmentIncomeCurrentYear00
IRS990/InvestmentInJointVenture00
IRS990/LoanToOfficerOrDQP00
IRS990/LobbyingActivities00
IRS990/LocalChapters00
IRS990/MaterialDiversionOrMisuse00
IRS990/MembershipDues00
IRS990/MembersOrStockholders00
IRS990/MethodOfAccountingCash0X
IRS990/MinutesOfCommittees01
IRS990/MinutesOfGoverningBody01
IRS990/MissionDescription0SCHOLARSHIP AND RESEARCH RE CONSUMER BORROWING
IRS990/MoreThan5000KToIndividuals00
IRS990/MoreThan5000KToOrganizations00
IRS990/NameOfPrincipalOfficerPerson0HILARY B MILLER
IRS990/NbrIndependentVotingMembers02
IRS990/NbrVotingGoverningBodyMembers02
IRS990/NbrVotingMembersGoverningBody02
IRS990/NetAssetsOrFundBalancesBOY011785
IRS990/NetAssetsOrFundBalancesEOY0103656
IRS990/NetUnrelatedBusinessTxblIncome00
IRS990/NoncashContributions00
IRS990/NonDeductibleContributions00
IRS990/NumberFormsTransmittedWith109605
IRS990/NumberIndependentVotingMembers02
IRS990/NumberIndividualsGT100K00
IRS990/NumberOfContractorsGT100K00
IRS990/NumberOfEmployees00
IRS990/NumberW2GIncluded00
IRS990/OfficerEntityWithBsnssRltnshp00
IRS990/OfficerMailingAddress00
IRS990/Organization501c30X
IRS990/OtherExpensesCurrentYear02974
IRS990/OtherExpenses/Description0CORPORATE EXPENSES
IRS990/OtherExpenses/Fundraising00
IRS990/OtherExpenses/ManagementAndGeneral0284
IRS990/OtherExpenses/ProgramServices00
IRS990/OtherExpenses/Total0284
IRS990/OtherRevenueCurrentYear00
IRS990/PaidInCapSrplsLandBldgEqpFund/BOY00
IRS990/PaidInCapSrplsLandBldgEqpFund/EOY00
IRS990/PartialLiquidation00
IRS990/PoliticalActivities00
IRS990/PremiumsPaid00
IRS990/PriorExcessBenefitTransaction00
IRS990/ProfessionalFundraising00
IRS990/ProgramServiceRevenueCY00
IRS990/ProhibitedTaxShelterTrans00
IRS990/QuidProQuoContributions00
IRS990/ReconcilationDonatedServices00
IRS990/ReconcilationInvestExpenses00
IRS990/ReconcilationOtherChanges01
IRS990/ReconcilationPriorAdjustment00
IRS990/ReconcilationRevenueExpenses091870
IRS990/ReconciliationUnrealizedInvest00
IRS990/RelatedEntity00
IRS990/RelatedOrganizations00
IRS990/RelatedOrgControlledEntity00
IRS990/RentalIncomeOrLoss/Personal00
IRS990/RentalIncomeOrLoss/Real00
IRS990/ReportFin48Footnote00
IRS990/ReportInvestOthSecurities00
IRS990/ReportLandBldgEquip00
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities00
IRS990/ReportProgRelInvest00
IRS990/RetainedEarningsEndowmentEtc/BOY011785
IRS990/RetainedEarningsEndowmentEtc/EOY0103656
IRS990/Revenue00
IRS990/RevenuesLessExpensesCY091870
IRS990/RevenuesLessExpensesPriorYear00
IRS990/SalariesEtcCurrentYear020500
IRS990ScheduleA/GiftsGrantsContribReceived509/CurrentTaxYear0269822
IRS990ScheduleA/GiftsGrantsContribReceived509/CurrentTaxYearMinus1Year0152500
IRS990ScheduleA/GiftsGrantsContribReceived509/CurrentTaxYearMinus2Years0110000
IRS990ScheduleA/GiftsGrantsContribReceived509/CurrentTaxYearMinus3Years00
IRS990ScheduleA/GiftsGrantsContribReceived509/CurrentTaxYearMinus4Years052500
IRS990ScheduleA/GiftsGrantsContribReceived509/Total0584822
IRS990ScheduleA/InvestmentIncomePercentage00
IRS990ScheduleA/PriorYearSupportPercentage01
IRS990ScheduleA/PriorYrInvestIncomePercentage00
IRS990ScheduleA/PubliclySupportedOrg509a20X
IRS990ScheduleA/PublicSupportPercentage50901
IRS990ScheduleA/PublicSupportTotal5090584822
IRS990ScheduleA/ThirtyThreePercntTestsCY5090X
IRS990ScheduleA/Total509/CurrentTaxYear0269822
IRS990ScheduleA/Total509/CurrentTaxYearMinus1Year0152500
IRS990ScheduleA/Total509/CurrentTaxYearMinus2Years0110000
IRS990ScheduleA/Total509/CurrentTaxYearMinus3Years00
IRS990ScheduleA/Total509/CurrentTaxYearMinus4Years052500
IRS990ScheduleA/Total509/Total0584822
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYear0269822
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus1Year0152500
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus2Years0110000
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus3Years00
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus4Years052500
IRS990ScheduleA/TotalSupportTotal/Total0584822
IRS990ScheduleB/ContributorInfo/AggregateContributions0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/City0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/State0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorAddressUS/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorNameBusiness/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInfo/ContributorNumber0RESTRICTED
IRS990/ScheduleBRequired01
IRS990ScheduleI/Form990ScheduleIPartIII/AmountOfCashGrant0154478
IRS990ScheduleI/Form990ScheduleIPartIII/AmountOfNonCashAssistance00
IRS990ScheduleI/Form990ScheduleIPartIII/NumberOfRecipients05
IRS990ScheduleI/Form990ScheduleIPartIII/TypeOfGrant0RESEARCH GRANTS FOR CONSUMER FINANCIAL SERVICES RESEARCH AND WRITING
IRS990ScheduleI/Form990ScheduleIPartIV/Explanation0REVIEW AND APPROVAL BY CEO.
IRS990ScheduleI/Form990ScheduleIPartIV/Identifier0SchI_P01_S00_L02
IRS990ScheduleI/Form990ScheduleIPartIV/ReturnReference0Schedule I, Part I, Line 2
IRS990ScheduleI/RecordsMaintained01
IRS990/ScheduleJRequired00
IRS990ScheduleO/GeneralExplanation/Explanation0MADE AVAILABLE AFTER FILING.
IRS990ScheduleO/GeneralExplanation/Explanation1ON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation2ROUNDING
IRS990ScheduleO/GeneralExplanation/Identifier0F990_P06_S0B_L11b
IRS990ScheduleO/GeneralExplanation/Identifier1F990_P06_S0C_L19
IRS990ScheduleO/GeneralExplanation/Identifier2F990_P11_S00_L09
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part XI, Line 9
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0DE
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
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IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10500 W Putnam Ave Ste 400
IRS990/TheBooksAreInCareOf/AddressUS/City0Greenwich
IRS990/TheBooksAreInCareOf/AddressUS/State0CT
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode0068306096
IRS990/TheBooksAreInCareOf/NamePerson0Hilary B Miller
IRS990/TheBooksAreInCareOf/TelephoneNumber02033991320
IRS990/TotalAssets/BOY011785
IRS990/TotalAssetsBOY011785
IRS990/TotalAssets/EOY0103656
IRS990/TotalAssetsEOY0103656
IRS990/TotalCompGT150K00
IRS990/TotalContributions0269822
IRS990/TotalExpensesCurrentYear0177952
IRS990/TotalExpensesPriorYear00
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral023474
IRS990/TotalFunctionalExpenses/ProgramServices0154478
IRS990/TotalFunctionalExpenses/Total0177952
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY00
IRS990/TotalLiabilitiesBOY00
IRS990/TotalLiabilities/EOY00
IRS990/TotalLiabilitiesEOY00
IRS990/TotalLiabNetAssetsFundBalances/BOY011785
IRS990/TotalLiabNetAssetsFundBalances/EOY0103656
IRS990/TotalNbrEmployees00
IRS990/TotalNbrVolunteers00
IRS990/TotalNetAssetsFundBalances/BOY011785
IRS990/TotalNetAssetsFundBalances/EOY0103656
IRS990/TotalOfOtherProgramServiceExp00
IRS990/TotalOfOtherProgramServiceGrnt00
IRS990/TotalOfOtherProgramServiceRev00
IRS990/TotalOtherCompensation00
IRS990/TotalOtherRevenue00
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceExpense0154478
IRS990/TotalProgramServiceRevenue00
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg020500
IRS990/TotalRevenueCurrentYear0269822
IRS990/TotalRevenue/ExclusionAmount00
IRS990/TotalRevenuePriorYear00
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome00
IRS990/TotalRevenue/TotalRevenueColumn0269822
IRS990/TotalRevenue/UnrelatedBusinessRevenue00
IRS990/TransfersToExemptNonChrtblOrg00
IRS990/Travel/ManagementAndGeneral01286
IRS990/Travel/Total01286
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome00
IRS990/UponRequest0X
IRS990/WebSite0http://www.creditresearch.org
IRS990/WhistleblowerPolicy00
IRS990/YearFormation02004
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0200919672
ReturnHeader/Filer/Name/BusinessNameLine10CONSUMER CREDIT RESEARCH FOUNDATION
ReturnHeader/Filer/NameControl0CONS
ReturnHeader/Filer/Phone02033991320
ReturnHeader/Filer/USAddress/AddressLine10CO HILARY B MILLER ESQ
ReturnHeader/Filer/USAddress/AddressLine20500 W PUTNAM AVE STE 400
ReturnHeader/Filer/USAddress/City0GREENWICH
ReturnHeader/Filer/USAddress/State0CT
ReturnHeader/Filer/USAddress/ZIPCode0068306096
ReturnHeader/Officer/DateSigned02013-11-06
ReturnHeader/Officer/Name0Hilary Miller
ReturnHeader/Officer/Phone02033991320
ReturnHeader/Officer/Title0Secretary/Treasurer
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-11-06T08:36:57-07:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$103,656
Liabilities
$0
Net assets
$103,656
Revenue
-
Expenses
$177,952
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.00$0.00$0.00
2017Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.00$0.24$0.24
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.24$0.00$0.24$1.01$1.43$0.42
2015Detailed filing. Detailed filing data is available for this year.$0.66$0.00$0.66$1.05$1.33$0.28
2014Detailed filing. Detailed filing data is available for this year.$0.94$0.00$0.94$1.70$1.79$0.09
2013Detailed filing. Detailed filing data is available for this year.$1.03$0.00$1.03$1.90$1.91$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.04$0.00$1.04$1.78
2011Summary only. Only limited summary data is available for this year.$0.12$0.00$1.53$2.75$1.22
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.34$0.00$1.34$1.10$0.43$0.67