Civic Intelligence

Credit Do Inc.

990EZ • Fiscal year 2012 • EIN 27-3885847

Jan 01, 2012 to Dec 31, 2012 • Filed on Jun 18, 2013

Organization Profilewww.creditdo.org
27 Washington Square North2E10011
Siviq Scores

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

Liabilities / Assets

84th percentile

0.44x

Higher debt load relative to assets than 84% of similar nonprofits.

2012 filings • NTEE P20 • <$500k nonprofits • Source year 2012

Liabilities / Revenue

77th percentile

0.05x

Higher debt load relative to revenue than 77% of similar nonprofits.

2012 filings • NTEE P20 • <$500k nonprofits • Source year 2012

Net Margin

53rd percentile

8.3%

Higher net margin than 53% of similar nonprofits.

2012 filings • NTEE P20 • <$500k 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

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2012

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2012

Balance Sheet
Liabilities / Assets84th percentile

Assets

$6,938

No earlier filing loaded for comparison.

Net Assets

$3,898

No earlier filing loaded for comparison.

Liabilities

$3,040

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue77th percentileNet Margin53rd percentile

Revenue

$60,719

No earlier filing loaded for comparison.

Expenses

$55,681

No earlier filing loaded for comparison.

Net Income

$5,038

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$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

2012

Assets$6,938
Liabilities$3,040
Net Assets$3,898
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2012

Revenue$60,719
Expenses$55,681
Net Income$5,038
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Jun 18, 2013
Return Version
2012v2.0
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.

Filing and Contact Details

Filer

EIN
27-3885847
Raw XML Appendix194 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/ContributionsGiftsGrantsEtc049202
IRS990EZ/CostOfGoodsSold00
IRS990EZ/CostOtherBasisAndSalesExpenses00
IRS990EZ/DidOrgFileForm1120POLThisYear00
IRS990EZ/DirectIndirectPoliticalExpend00
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IRS990EZ/GrossReceipts079241
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition25
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ContriToEmplBenefitPlansEtc40
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IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ExpenseAccountOtherAllowances30
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/ExpenseAccountOtherAllowances40
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName0Chris Avila Hubschmann
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName1Ann Beagman
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName2Halle Darmstadt
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName3Elizabeth Negrotto-Sapnar
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName4Christy Travaglino
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title0CEO
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title1Board Member
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title2Board Member
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title3Board Member
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title4Treasurer
IRS990EZ/OperatingSchool00
IRS990EZ/Organization501c30X
IRS990EZ/OrganizationDissolvedEtc00
IRS990EZ/OrganizationHadUBI00
IRS990EZ/OtherAssetsTotal/BOY00
IRS990EZ/OtherAssetsTotal/EOY00
IRS990EZ/OtherChangesInNetAssets00
IRS990EZ/OtherExpensesTotal06091
IRS990EZ/OtherRevenueTotal00
IRS990EZ/PartVIAHghstPaidCntrctProfSer0NONE
IRS990EZ/PartVIOfCompOfHighestPaidEmpl0NONE
IRS990EZ/PrimaryExemptPurpose0Credit Do is a non-profit 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.
IRS990EZ/PrintingPublicationsPostage01295
IRS990EZ/ProgramServiceAccomplishment/DescriptionProgramServiceAccom0Credit Do is a non-profit 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.
IRS990EZ/ProgramServiceAccomplishment/GrantsAndAllocations05000
IRS990EZ/ProgramServiceAccomplishment/ProgramServiceExpenses038062
IRS990EZ/ProgramServiceRevenue00
IRS990EZ/ProhibitedTaxShelterTrans00
IRS990EZ/RelatedOrgControlledEntity00
IRS990EZ/SalariesOtherCompEmplBenefits00
IRS990EZ/ScheduleBNotRequired0X
IRS990EZ/SpecialEventsDirectExpenses018522
IRS990EZ/SpecialEventsNetIncomeLoss011517
IRS990EZ/StatesWhereCopyOfReturnIsFiled0NY
IRS990EZ/SubjectToProxyTax00
IRS990EZ/SumOfTotalLiabilities/BOY01140
IRS990EZ/SumOfTotalLiabilities/EOY03040
IRS990EZ/TanningServicesProvided00
IRS990EZ/TaxImposedUnderIRC491100
IRS990EZ/TaxImposedUnderIRC491200
IRS990EZ/TaxImposedUnderIRC495500
IRS990EZ/TheBooksAreInCareOf/AddressUS/AddressLine1027 WASHINGTON SQUARE NORTH
IRS990EZ/TheBooksAreInCareOf/AddressUS/AddressLine202E
IRS990EZ/TheBooksAreInCareOf/AddressUS/City0NEW YORK
IRS990EZ/TheBooksAreInCareOf/AddressUS/State0NY
IRS990EZ/TheBooksAreInCareOf/AddressUS/ZIPCode010011
IRS990EZ/TheBooksAreInCareOf/NamePerson0Chris Avila Hubschmann
IRS990EZ/TheBooksAreInCareOf/TelephoneNumber09178212421
IRS990EZ/TotalAssets/BOY00
IRS990EZ/TotalAssets/EOY06938
IRS990EZ/TotalExpenses055681
IRS990EZ/TotalProgramServiceExpenses038062
IRS990EZ/TotalRevenue060719
IRS990EZ/TransactionWithControlEntity00
IRS990EZ/TrnsfrsExemptNonCharRelatedOrg00
IRS990EZ/WebSite0www.creditdo.org
IRS990ScheduleA/AmountsSubstContributorsTotal027397
IRS990ScheduleA/First5Years1700X
IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYear060719
IRS990ScheduleA/GiftsGrantsContribReceived170/Total060719
IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYear00
IRS990ScheduleA/GrossInvestmentIncome170/Total00
IRS990ScheduleA/NetUBI/CurrentTaxYear00
IRS990ScheduleA/NetUBI/Total00
IRS990ScheduleA/OtherIncome170/CurrentTaxYear00
IRS990ScheduleA/OtherIncome170/Total00
IRS990ScheduleA/PubliclySupportedOrg170b1Avi0X
IRS990ScheduleA/PublicSupportTotal170033322
IRS990ScheduleA/TaxRevLeviedForOrgBenefit170/CurrentTaxYear00
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IRS990ScheduleA/Total170/CurrentTaxYearMinus2Years00
IRS990ScheduleA/Total170/CurrentTaxYearMinus3Years00
IRS990ScheduleA/Total170/CurrentTaxYearMinus4Years00
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IRS990ScheduleG/EventsInformation/CashPrizesEvent100
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IRS990ScheduleG/EventsInformation/CharitableContributionsEvent100
IRS990ScheduleG/EventsInformation/CharitableContributionsTotal00
IRS990ScheduleG/EventsInformation/DirectExpenseSummaryEvents018522
IRS990ScheduleG/EventsInformation/EntertainmentEvent100
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IRS990ScheduleG/EventsInformation/NameOfEvent10Dinner
IRS990ScheduleG/EventsInformation/NetIncomeSummary011517
IRS990ScheduleG/EventsInformation/NonCashPrizesEvent100
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IRS990ScheduleG/EventsInformation/RentFacilityCostsEvent100
IRS990ScheduleG/EventsInformation/RentFacilityCostsTotalEvents00
IRS990ScheduleO/GeneralExplanation/Explanation0Credit Do provides grants in the form of savings account matches and earned credit to participants in its program to encourage financial empowerment. The organization provided $5,000 in grants during the reporting period.
IRS990ScheduleO/GeneralExplanation/Explanation1During the reporting period, other expenses included banking and financial services fees, business registration and filing, and web hosting and development expenses.
IRS990ScheduleO/GeneralExplanation/Explanation2Credit 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 at the end of the reporting period.
IRS990ScheduleO/GeneralExplanation/Identifier0F99Z_P01_S00_L10
IRS990ScheduleO/GeneralExplanation/Identifier1F99Z_P01_S00_L16
IRS990ScheduleO/GeneralExplanation/Identifier2F99Z_P02_S00_L26
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990-EZ, Part I, Line 10
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990-EZ, Part I, Line 16
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990-EZ, Part II, Line 26
ReasonableCauseExplanation/Explanation0This filing represents the organization's first 990 filing, which involved a learning curve which took longer than expected to navigate. The organization does not expect to experience delays in future filings.
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/Filer/EIN0273885847
ReturnHeader/Filer/Name/BusinessNameLine10CREDIT DO INC
ReturnHeader/Filer/NameControl0CRED
ReturnHeader/Filer/Phone09178212421
ReturnHeader/Filer/USAddress/AddressLine1027 WASHINGTON SQUARE NORTH
ReturnHeader/Filer/USAddress/AddressLine202E
ReturnHeader/Filer/USAddress/City0NEW YORK
ReturnHeader/Filer/USAddress/State0NY
ReturnHeader/Filer/USAddress/ZIPCode010011
ReturnHeader/Officer/DateSigned02013-06-18
ReturnHeader/Officer/Name0Chris Avila Hubschmann
ReturnHeader/Officer/Phone09178212421
ReturnHeader/Officer/Title0Founder, Exec. Dir.
ReturnHeader/ReturnType0990EZ
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-06-18T10:36:18-07:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$6,938
Liabilities
$3,040
Net assets
$3,898
Revenue
$60,719
Expenses
$55,681
Net income
$5,038
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.31$0.05$0.26$0.77$0.57$0.20
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.11$0.05$0.06$0.50$0.56$0.06
2022Detailed filing. Detailed filing data is available for this year.$0.23$0.11$0.12$0.41$0.35$0.05
2021Detailed filing. Detailed filing data is available for this year.$0.19$0.12$0.07$0.21$0.37$0.17
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.35$0.12$0.24$1.80$1.56$0.24
2019Detailed filing. Detailed filing data is available for this year.$0.12$0.12$0.00$0.43$0.46$0.02
2013Detailed filing. Detailed filing data is available for this year.$0.07$0.07$0.01$0.34$0.37$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.07$0.03$0.04$0.61$0.56$0.05