Civic Intelligence

Credit Do Inc

EIN 27-3885847 • 501(c)3 • South Orange, NJ

Profile

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.

376 Montrose AveSouth Orange, NJ 07079

www.creditdo.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

81st percentile

0.15x

Higher debt load relative to assets than 81% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

79th percentile

0.06x

Higher debt load relative to revenue than 79% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

79th percentile

26%

Higher net margin than 79% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

89th percentile

$11,000

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 14.2% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

73rd percentile

15%

Faster asset growth than 73% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2024

Revenue Growth

81st percentile

38%

Faster revenue growth than 81% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2022 to 2024

Assets

Up

$30,677

Up $19,731 (+180%) from 2023

Liabilities

Down

$4,557

Down $5 (-0.1%) from 2023

Net Assets

Up

$26,120

Up $19,736 (+309%) from 2023

Revenue

Up

$77,226

Up $27,680 (+56%) from 2023

Expenses

Up

$57,490

Up $1,829 (+3.3%) from 2023

Net Income

Up

$19,736

Up $25,851 (+423%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$40K$30K$20K$10K$0Assets 2012: $6,938Liabilities 2012: $3,040Net Assets 2012: $3,8982012Assets 2013: $7,467Liabilities 2013: $6,590Net Assets 2013: $8772013Assets 2019: $12,239Liabilities 2019: $12,054Net Assets 2019: $1852019Assets 2020: $35,384Liabilities 2020: $11,599Net Assets 2020: $23,7852020Assets 2021: $18,727Liabilities 2021: $11,544Net Assets 2021: $7,1832021Assets 2022: $23,266Liabilities 2022: $10,767Net Assets 2022: $12,4992022Assets 2023: $10,946Liabilities 2023: $4,562Net Assets 2023: $6,3842023Assets 2024: $30,677Liabilities 2024: $4,557Net Assets 2024: $26,1202024

Highlighted filing

2024

Assets$30,677
Liabilities$4,557
Net Assets$26,120

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200K$150K$100K$50K$0-$50KRevenue 2012: $60,719Expenses 2012: $55,681Net Income 2012: $5,0382012Revenue 2013: $33,764Expenses 2013: $36,785Net Income 2013: -$3,0212013Revenue 2019: $43,252Expenses 2019: $45,517Net Income 2019: -$2,2652019Revenue 2020: $179,511Expenses 2020: $155,911Net Income 2020: $23,6002020Revenue 2021: $20,801Expenses 2021: $37,403Net Income 2021: -$16,6022021Revenue 2022: $40,505Expenses 2022: $35,189Net Income 2022: $5,3162022Revenue 2023: $49,546Expenses 2023: $55,661Net Income 2023: -$6,1152023Revenue 2024: $77,226Expenses 2024: $57,490Net Income 2024: $19,7362024

Highlighted filing

2024

Revenue$77,226
Expenses$57,490
Net Income$19,736

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 16, 2025
Return Version
2024v5.0
Gross Receipts
$77,226
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.

Program Services

DescriptionGrantsExpenses
GENERAL PROGRAM - CREDIT DO CREATES UNIQUE OPPORTUNITIES FOR PURCHASING FOOD, CLOTHES, SCHOOL SUPPLIES, AND OTHER ESSENTIAL GOODS IN EXCHANGE FOR DOING SOCIAL GOOD.$1,000$19,766
DEVELOPMENT PROGRAM INCLUDES BUILDING TECHNOLOGY, PROTOTYPES AND TESTING OF OUR DIGITAL PRODUCT TO BRING TO MARKET.$0$12,786
ALL OTHER PROGRAMS INCLUDING THE YOUTH PROGRAM$0$620
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
CHRIS AVILA HUBSCHMANNFounder/CEOFT$11,000-$11,000
HALLE DARMSTADTBoard Secretary-$0--
JENNIFER PASTILOFFFundraising Chair-$0--
Filing and Contact Details

Filer

Filer Name
Credit Do Inc
EIN
27-3885847
Phone
9178212421
Address
376 MONTROSE AVE, SOUTH ORANGE, NJ 07079

Signing Officer

Name
Chris Avila Hubschmann
Title
Founder/CEO
Phone
9178212421
Signed
2025-11-16
Discuss with paid preparer
Yes

Preparer

Firm
Easy Office Dba Jitasa
Address
1120 S RACKHAM WAY SUITE 300, MERIDIAN, ID 83642
Preparer
Jeremy Cork
Phone
2082874777
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 8

Description;Amount^MISCELLANEOUS REVENUE;300^Total;300^

Form 990-EZ, Part I, Line 16

Description;Amount^OFFICE EXPENSES;20751|TRAVEL AND MEETING EXPENSES;9266^Total;30017^

Form 990-EZ, Part II, Line 24

Description;EOY Amount^NET FIXED ASSET;401^Total;401^

Form 990-EZ, Part II, Line 26

Description;EOY Amount^EDUCATION SAVINGS FOR OTHERS LIABILITY;4557^Total;4557^

Raw XML Appendix196 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.

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IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1DEVELOPMENT PROGRAM INCLUDES BUILDING TECHNOLOGY, PROTOTYPES AND TESTING OF OUR DIGITAL PRODUCT TO BRING TO MARKET.
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRIS AVILA HUBSCHMANN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0FOUNDER/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09178212421
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CREDIT DO INC
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0273885847
ReturnHeader/Filer/PhoneNum09178212421
ReturnHeader/Filer/USAddress/AddressLine1Txt0376 MONTROSE AVE
ReturnHeader/Filer/USAddress/CityNm0SOUTH ORANGE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NJ
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd083642
ReturnHeader/PreparerPersonGrp/PhoneNum02082874777
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JEREMY CORK
ReturnHeader/ReturnTs02025-11-17T08:27:31-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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