Liabilities / Assets
90th percentile
Higher debt load relative to assets than 90% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.88x
Liabilities / Revenue
85th percentile
Higher debt load relative to revenue than 85% of similar nonprofits.
Net Margin
22nd percentile
Higher net margin than 22% of similar nonprofits.
Top Officer Pay
78th percentile
Higher top officer pay than 78% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
53rd percentile
Faster asset growth than 53% of similar nonprofits.
Revenue Growth
8th percentile
Faster revenue growth than 8% of similar nonprofits.
Balance Sheet
Assets
Up$7,467
Up $529 (+7.6%) from 2012
Net Assets
Down$877
Down $3,021 (-78%) from 2012
Liabilities
Up$6,590
Up $3,550 (+117%) from 2012
Revenue And Expenses
Revenue
Down$33,764
Down $26,955 (-44%) from 2012
Expenses
Down$36,785
Down $18,896 (-34%) from 2012
Net Income
Down-$3,021
Down $8,059 (-160%) from 2012
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Oct 2, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $33,764
Mission and Program Overview
Mission
Credit do is a non-profit organization dedicated to making financial independence a reality for all. We create unique opportunities for purchasing food, clothes, school supplies and other essential goods in exchange for doing social good.
Credit do is a non-profit organization dedicated to making financial independence a reality for all. We create unique opportunities for purchasing food, clothing, school supplies, and other essential goods in exchange for doing social good.
Program Services
| Description | Grants | Expenses |
|---|---|---|
| CREDIT DO IS A NON-PROFIT ORGANIZATION DEDICATED TO MAKING FINANCIAL INDEPENDENCE A REALITY FOR ALL. WE CREATE UNIQUE OPPORTUNITIES FOR PURCHASING FOOD, CLOTHING, SCHOOL SUPPLIES, AND OTHER ESSENTIAL GOODS IN EXCHANGE FOR DOING SOCIAL GOOD. | $8,490 | $10,265 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| CHRIS AVILA HUBSCHMANN | CEO | FT | $0 | - | - |
| ANNE C BEAGAN | Board Member | PT | $0 | - | - |
| HALLE DARMSTADT | Board Member | PT | $0 | - | - |
| ELIZABETH NEGROTTO-SAPNAR | Board Member | PT | $0 | - | - |
| CRISTY TRAVAGLINO | Treasurer | - | $0 | - | - |
Filing and Contact Details
Filer
- EIN
- 27-3885847
Signing Officer
- Name
- Chris Avila Hubschmann
- Title
- Founder, Exec. Director
- Phone
- 9178212421
- Signed
- 2014-10-02
Supplemental Narrative
Additional Explanations
Form 990-EZ, Part I, Line 16
“During the reporting period, other expenses included travel expenses, banking and financial services fees, and technology hardware”
Form 990-EZ, Part II, Line 24
“Description;EOY Amount^Filing Cabinet;189^Total;189^”
Form 990-EZ, Part II, Line 26
“Credit do maintains segregated bank accounts on behalf of its participants to encourage saving and personal financial management skills. The organization recognizes liabilities for the amounts it holds on behalf of these participants. The amount reported represents the total amount held by the organization for this purpose at the end of the reporting period.”
Raw XML Appendix180 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/AddressChangeInd | 0 | X |
| IRS990EZ/BenefitsPaidToOrForMembersAmt | 0 | 0 |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | CHRIS AVILA HUBSCHMANN |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 9178212421 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 376 MONTROSE AVENUE |
| IRS990EZ/BooksInCareOfDetail/USAddress/City | 0 | SOUTH ORANGE |
| IRS990EZ/BooksInCareOfDetail/USAddress/State | 0 | NJ |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 07079 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 6938 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 7278 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 33764 |
| IRS990EZ/CostOfGoodsSoldAmt | 0 | 0 |
| IRS990EZ/CostOrOtherBasisExpenseSaleAmt | 0 | 0 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | -3021 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 9981 |
| IRS990EZ/FiledScheduleAInd | 0 | 1 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form1120PolFiledInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 6938 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 7467 |
| IRS990EZ/FundraisingGrossIncomeAmt | 0 | 0 |
| IRS990EZ/GainOrLossFromSaleOfAssetsAmt | 0 | 0 |
| IRS990EZ/GamingGrossIncomeAmt | 0 | 0 |
| IRS990EZ/GrantsAndSimilarAmountsPaidAmt | 0 | 8490 |
| IRS990EZ/GrossProfitLossSlsOfInvntryAmt | 0 | 0 |
| IRS990EZ/GrossReceiptsAmt | 0 | 33764 |
| IRS990EZ/GrossSalesOfInventoryAmt | 0 | 0 |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| 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/MethodOfAccountingAccrualInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 3898 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 877 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 3898 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 877 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 63 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 40 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 5 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 20 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 5 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 2 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | CHRIS AVILA HUBSCHMANN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | ANNE C BEAGAN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | HALLE DARMSTADT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | ELIZABETH NEGROTTO-SAPNAR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | CRISTY TRAVAGLINO |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | CEO |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | BOARD MEMBER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | BOARD MEMBER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | BOARD MEMBER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | TREASURER |
| 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 | 189 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 17151 |
| IRS990EZ/OtherRevenueTotalAmt | 0 | 0 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | CREDIT DO IS A NON-PROFIT ORGANIZATION DEDICATED TO MAKING FINANCIAL INDEPENDENCE A REALITY FOR ALL. WE CREATE UNIQUE OPPORTUNITIES FOR PURCHASING FOOD, CLOTHING, SCHOOL SUPPLIES, AND OTHER ESSENTIAL GOODS IN EXCHANGE FOR DOING SOCIAL GOOD. |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 1100 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | CREDIT DO IS A NON-PROFIT ORGANIZATION DEDICATED TO MAKING FINANCIAL INDEPENDENCE A REALITY FOR ALL. WE CREATE UNIQUE OPPORTUNITIES FOR PURCHASING FOOD, CLOTHING, SCHOOL SUPPLIES, AND OTHER ESSENTIAL GOODS IN EXCHANGE FOR DOING SOCIAL GOOD. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 8490 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 10265 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 0 |
| IRS990EZ/SaleOfAssetsGrossAmt | 0 | 0 |
| IRS990EZ/SchoolOperatingInd | 0 | 0 |
| IRS990EZ/SpecialEventsDirectExpensesAmt | 0 | 0 |
| IRS990EZ/SpecialEventsNetIncomeLossAmt | 0 | 0 |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | NY |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 3040 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 6590 |
| 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 | 36785 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 10265 |
| IRS990EZ/TotalRevenueAmt | 0 | 33764 |
| IRS990EZ/TransactionWithControlEntInd | 0 | 0 |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | 0 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990ScheduleA/First5Years170Ind | 0 | X |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 33764 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt | 0 | 60719 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 94483 |
| IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearAmt | 0 | 0 |
| IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearMinus1YearAmt | 0 | 0 |
| IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt | 0 | 0 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 0 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt | 0 | 0 |
| IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt | 0 | 0 |
| IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 0 |
| IRS990ScheduleA/OtherIncome170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 41627 |
| IRS990ScheduleA/SubstantialContributorsTotAmt | 0 | 52856 |
| IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearAmt | 0 | 0 |
| IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus1YearAmt | 0 | 0 |
| IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt | 0 | 0 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 33764 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt | 0 | 60719 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 0 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 0 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 0 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 94483 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 94483 |
| IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearAmt | 0 | 0 |
| IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus1YearAmt | 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 | DURING THE REPORTING PERIOD, OTHER EXPENSES INCLUDED TRAVEL EXPENSES, BANKING AND FINANCIAL SERVICES FEES, AND TECHNOLOGY HARDWARE |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Description;EOY Amount^Filing Cabinet;189^Total;189^ |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | CREDIT DO MAINTAINS SEGREGATED BANK ACCOUNTS ON BEHALF OF ITS PARTICIPANTS TO ENCOURAGE SAVING AND PERSONAL FINANCIAL MANAGEMENT SKILLS. THE ORGANIZATION RECOGNIZES LIABILITIES FOR THE AMOUNTS IT HOLDS ON BEHALF OF THESE PARTICIPANTS. THE AMOUNT REPORTED REPRESENTS THE TOTAL AMOUNT HELD BY THE ORGANIZATION FOR THIS PURPOSE AT THE END OF THE REPORTING PERIOD. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990-EZ, Part I, Line 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990-EZ, Part II, Line 24 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990-EZ, Part II, Line 26 |
| ReasonableCauseExplanation/ExplanationTxt | 0 | Our Credit Do volunteer accountant moved and we were unable to secure all the necessary forms on time. |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Chris Avila Hubschmann |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | Founder, Exec. Dir. |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 9178212421 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-10-02 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | CREDIT DO INC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | CRED |
| ReturnHeader/Filer/EIN | 0 | 273885847 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 376 Montrose Avenue |
| ReturnHeader/Filer/USAddress/City | 0 | South Orange |
| ReturnHeader/Filer/USAddress/State | 0 | NJ |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 07079 |
| ReturnHeader/ReturnTs | 0 | 2014-10-08T21:01:03-07:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2013-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2013-12-31 |
| ReturnHeader/TaxYr | 0 | 2013 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $7,467
- Liabilities
- $6,590
- Net assets
- $877
- Revenue
- $33,764
- Expenses
- $36,785
- Net income
- -$3,021