Consumer Credit Research Foundation

990EZ • Fiscal year 2014 • EIN 20-0919672

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 13, 2015

Organization Profile www.creditresearch.org

Hb Miller 500 W Putnam Ave Ste 400Greenwich, CT 06830-6096

(203) 399-1320

Siviq Scores

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

0.00x

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

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

0.00x

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

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

-5.4%

Higher net margin than 29% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

$18,000

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 10.6% of source-year revenue.

2014 filings • 501(c)3 • <$500k nonprofits • Source year 2014

-8.9%

Faster asset growth than 30% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

-11%

Faster revenue growth than 31% of similar nonprofits.

2014 filings • 501(c)3 • <$500k nonprofits • Annualized from 2013 to 2014

Balance Sheet

Liabilities / Assets55th percentile

Assets

Down

$94,275

Down $9,192 (-8.9%) from 2013

Net Assets

Down

$94,275

Down $9,192 (-8.9%) from 2013

Liabilities

Flat

Flat from 2013

Revenue And Expenses

Liabilities / Revenue55th percentile Net Margin29th percentile

Revenue

Down

$170,000

Down $20,441 (-11%) from 2013

Expenses

Down

$179,192

Down $11,438 (-6.0%) from 2013

Net Income

Down

-$9,192

Down $9,003 (-4763%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth30th percentile

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

Highlighted filing

2014

Assets$94,275

Liabilities$0

Net Assets$94,275

Open 2014 Filing

Operations Trend

Revenue Growth31st percentile

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

Highlighted filing

2014

Revenue$170,000

Expenses$179,192

Net Income-$9,192

Open 2014 Filing

Jump To

Filing Snapshot

Filing Period: Jan 1, 2014 to Dec 31, 2014
Signed: Nov 13, 2015
Return Version: 2014v5.0
Gross Receipts: $170,000

Mission and Program Overview

Mission

Scholarship and research re consumer borrowing

Program Services

Description	Grants	Expenses
CONTINUING RESEARCH RE SHORT-TERM CONSUMER LOANS - EXPENSES INCLUDED IN RESEARCH HONORARIA AND RESEARCH SERVICES	$0	$0

Compensation and Service Providers

Top Officer Pay82nd percentile

Employees

Name	Title	Full / Part Time	Base	Other	Total
Victor O Stango	Board Member	-	$18,000	-	$18,000
HILARY B MILLER	Chairman	PT	$0	-	-

Filing and Contact Details

Filer

Filer Name: Consumer Credit Research Foundation
EIN: 20-0919672
Phone: 2033991320
Address: HB MILLER 500 W PUTNAM AVE STE 400, GREENWICH, CT 06830-6096

Signing Officer

Name: Hilary Miller
Title: Secretary/Treasurer
Phone: 2033991320
Signed: 2015-11-13

Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 16

“Description;Amount^RESEARCH HONORARIA;141283|RESEARCH SERVICES;19750|INTERNET SERVICES;159^Total;161192^”

Raw XML Appendix175 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/BenefitsPaidToOrForMembersAmt	0	0
IRS990EZ/BooksInCareOfDetail/PersonNm	0	Hilary B Miller
IRS990EZ/BooksInCareOfDetail/PhoneNum	0	2033991320
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt	0	500 W Putnam Ave Ste 400
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm	0	Greenwich
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd	0	CT
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd	0	068306096
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt	0	103467
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt	0	94275
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd	0	0
IRS990EZ/ContributionsGiftsGrantsEtcAmt	0	170000
IRS990EZ/CostOfGoodsSoldAmt	0	0
IRS990EZ/CostOrOtherBasisExpenseSaleAmt	0	0
IRS990EZ/DirectIndirectPltclExpendAmt	0	0
IRS990EZ/DonorAdvisedFndsInd	0	0
IRS990EZ/EngagedInExcessBenefitTransInd	0	0
IRS990EZ/ExcessOrDeficitForYearAmt	0	-9192
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt	0	0
IRS990EZ/FiledScheduleAInd	0	1
IRS990EZ/ForeignFinancialAccountInd	0	0
IRS990EZ/ForeignOfficeInd	0	0
IRS990EZ/Form1120PolFiledInd	0	0
IRS990EZ/Form990TotalAssetsGrp/BOYAmt	0	103467
IRS990EZ/Form990TotalAssetsGrp/EOYAmt	0	94275
IRS990EZ/FundraisingGrossIncomeAmt	0	0
IRS990EZ/GainOrLossFromSaleOfAssetsAmt	0	0
IRS990EZ/GamingGrossIncomeAmt	0	0
IRS990EZ/GrantsAndSimilarAmountsPaidAmt	0	0
IRS990EZ/GrossProfitLossSlsOfInvntryAmt	0	0
IRS990EZ/GrossReceiptsAmt	0	170000
IRS990EZ/GrossSalesOfInventoryAmt	0	0
IRS990EZ/InfoInScheduleOPartIInd	0	X
IRS990EZ/InvestmentIncomeAmt	0	0
IRS990EZ/LandAndBuildingsGrp/BOYAmt	0	0
IRS990EZ/LandAndBuildingsGrp/EOYAmt	0	0
IRS990EZ/LobbyingActivitiesInd	0	0
IRS990EZ/MadeLoansToFromOfficersInd	0	0
IRS990EZ/MembershipDuesAmt	0	0
IRS990EZ/MethodOfAccountingCashInd	0	X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt	0	103467
IRS990EZ/NetAssetsOrFundBalancesEOYAmt	0	94275
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt	0	103467
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt	0	94275
IRS990EZ/OccupancyRentUtltsAndMaintAmt	0	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt	0	10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt	1	1
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt	0	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt	1	18000
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt	0	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt	1	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt	0	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt	1	0
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm	0	HILARY B MILLER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm	1	Victor O Stango
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt	0	Chairman
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt	1	Board Member
IRS990EZ/OperateHospitalInd	0	0
IRS990EZ/Organization501c3Ind	0	X
IRS990EZ/OrganizationDissolvedEtcInd	0	0
IRS990EZ/OrganizationHadUBIInd	0	0
IRS990EZ/OtherAssetsTotalDetail/BOYAmt	0	0
IRS990EZ/OtherAssetsTotalDetail/EOYAmt	0	0
IRS990EZ/OtherChangesInNetAssetsAmt	0	0
IRS990EZ/OtherExpensesTotalAmt	0	161192
IRS990EZ/OtherRevenueTotalAmt	0	0
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt	0	NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt	0	NONE
IRS990EZ/PoliticalCampaignActyInd	0	0
IRS990EZ/PrimaryExemptPurposeTxt	0	SCHOLARSHIP AND RESEARCH RE CONSUMER BORROWING
IRS990EZ/PrintingPublicationsPostageAmt	0	0
IRS990EZ/ProgramServiceRevenueAmt	0	0
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt	0	CONTINUING RESEARCH RE SHORT-TERM CONSUMER LOANS - EXPENSES INCLUDED IN RESEARCH HONORARIA AND RESEARCH SERVICES
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt	0	0
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt	0	0
IRS990EZ/ProhibitedTaxShelterTransInd	0	0
IRS990EZ/RelatedOrganizationCtrlEntInd	0	0
IRS990EZ/SalariesOtherCompEmplBnftAmt	0	18000
IRS990EZ/SaleOfAssetsGrossAmt	0	0
IRS990EZ/SchoolOperatingInd	0	0
IRS990EZ/SpecialEventsDirectExpensesAmt	0	0
IRS990EZ/SpecialEventsNetIncomeLossAmt	0	0
IRS990EZ/SubjectToProxyTaxInd	0	0
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt	0	0
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt	0	0
IRS990EZ/TanningServicesProvidedInd	0	0
IRS990EZ/TaxImposedOnOrganizationMgrAmt	0	0
IRS990EZ/TaxImposedUnderIRC4911Amt	0	0
IRS990EZ/TaxImposedUnderIRC4912Amt	0	0
IRS990EZ/TaxImposedUnderIRC4955Amt	0	0
IRS990EZ/TaxReimbursedByOrganizationAmt	0	0
IRS990EZ/TotalExpensesAmt	0	179192
IRS990EZ/TotalProgramServiceExpensesAmt	0	0
IRS990EZ/TotalRevenueAmt	0	170000
IRS990EZ/TransactionWithControlEntInd	0	0
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd	0	0
IRS990EZ/TypeOfOrganizationCorpInd	0	X
IRS990EZ/WebsiteAddressTxt	0	http://www.creditresearch.org
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt	0	170000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt	0	201000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt	0	257142
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt	0	157500
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt	0	135000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt	0	920642
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearAmt	0	0
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearMinus1YearAmt	0	0
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearMinus2YearsAmt	0	0
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearMinus3YearsAmt	0	0
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearMinus4YearsAmt	0	0
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt	0	0
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt	0	0
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt	0	0
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt	0	0
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt	0	0
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt	0	0
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt	0	0
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt	0	0
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt	0	0
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt	0	0
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt	0	0
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt	0	0
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt	0	0
IRS990ScheduleA/OtherIncome170Grp/TotalAmt	0	0
IRS990ScheduleA/PublicOrganization170Ind	0	X
IRS990ScheduleA/PublicSupportCY170Pct	0	1
IRS990ScheduleA/PublicSupportPY170Pct	0	1
IRS990ScheduleA/PublicSupportTotal170Amt	0	920642
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearAmt	0	0
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus1YearAmt	0	0
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus2YearsAmt	0	0
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus3YearsAmt	0	0
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus4YearsAmt	0	0
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt	0	0
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind	0	X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt	0	170000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt	0	201000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt	0	257142
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt	0	157500
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt	0	135000
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt	0	920642
IRS990ScheduleA/TotalSupportAmt	0	920642
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearAmt	0	0
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus1YearAmt	0	0
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus2YearsAmt	0	0
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus3YearsAmt	0	0
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus4YearsAmt	0	0
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt	0	0
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine1	0	RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum	0	RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine1	0	RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine2	0	RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City	0	RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State	0	RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode	0	RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt	0	RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt	0	Description;Amount^RESEARCH HONORARIA;141283\|RESEARCH SERVICES;19750\|INTERNET SERVICES;159^Total;161192^
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc	0	Form 990-EZ, Part I, Line 16
ReturnHeader/BuildTS	0	2016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/PersonNm	0	Hilary Miller
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt	0	Secretary/Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum	0	2033991320
ReturnHeader/BusinessOfficerGrp/SignatureDt	0	2015-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt	0	CONSUMER CREDIT RESEARCH FOUNDATION
ReturnHeader/Filer/BusinessNameControlTxt	0	CONS
ReturnHeader/Filer/EIN	0	200919672
ReturnHeader/Filer/PhoneNum	0	2033991320
ReturnHeader/Filer/USAddress/AddressLine1Txt	0	HB MILLER 500 W PUTNAM AVE STE 400
ReturnHeader/Filer/USAddress/CityNm	0	GREENWICH
ReturnHeader/Filer/USAddress/StateAbbreviationCd	0	CT
ReturnHeader/Filer/USAddress/ZIPCd	0	068306096
ReturnHeader/ReturnTs	0	2015-11-13T08:15:26-07:00
ReturnHeader/ReturnTypeCd	0	990EZ
ReturnHeader/TaxPeriodBeginDt	0	2014-01-01
ReturnHeader/TaxPeriodEndDt	0	2014-12-31
ReturnHeader/TaxYr	0	2014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing

Assets: $94,275
Liabilities: $0
Net assets: $94,275
Revenue: $170,000
Expenses: $179,192
Net income: -$9,192

	Balance Sheet			Operations
Year	Assets	Liabilities	Net Assets	Revenue	Expenses	Net 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