Civic Intelligence

Working Credit Nfp

990 • Fiscal year 2024 • EIN 47-2614811

Jan 01, 2024 to Dec 31, 2024 • Filed on Jun 26, 2025

Organization Profilewww.workingcredit.org

View Organization Page

111 W Washington Street 900Chicago, IL 60602

(312) 339-5357

Siviq Scores

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

Liabilities / Assets

42nd percentile

0.03x

Higher debt load relative to assets than 42% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

34th percentile

0.02x

Higher debt load relative to revenue than 34% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

91st percentile

54%

Higher net margin than 91% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

75th percentile

$122,630

Higher top officer pay than 75% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

98th percentile

278%

Faster asset growth than 98% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

91st percentile

110%

Faster revenue growth than 91% of similar nonprofits.

2024 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Up

$3,198,962

Up $2,351,911 (+278%) from 2023

Net Assets

Up

$3,099,837

Up $2,374,046 (+327%) from 2023

Liabilities

Down

$99,125

Down $22,135 (-18%) from 2023

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin91st percentile

Revenue

Up

$4,359,994

Up $2,286,671 (+110%) from 2023

Expenses

Up

$1,985,948

Up $87,368 (+4.6%) from 2023

Net Income

Up

$2,374,046

Up $2,199,303 (+1259%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth98th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2015: $33,182Liabilities 2015: $30,9342015Assets 2016: $54,084Liabilities 2016: $37,082Net Assets 2016: $17,0022016Assets 2017: $662,142Liabilities 2017: $65,018Net Assets 2017: $597,1242017Assets 2018: $989,713Liabilities 2018: $13,917Net Assets 2018: $975,7962018Assets 2019: $1,034,132Liabilities 2019: $23,514Net Assets 2019: $1,010,6182019Assets 2020: $971,219Liabilities 2020: $16,187Net Assets 2020: $955,0322020Assets 2021: $1,342,543Liabilities 2021: $128,900Net Assets 2021: $1,213,6432021Assets 2022: $623,957Liabilities 2022: $72,909Net Assets 2022: $551,0482022Assets 2023: $847,051Liabilities 2023: $121,260Net Assets 2023: $725,7912023Assets 2024: $3,198,962Liabilities 2024: $99,125Net Assets 2024: $3,099,8372024

Highlighted filing

2024

Assets$3,198,962
Liabilities$99,125
Net Assets$3,099,837
Open 2024 Filing

Operations Trend

Revenue Growth91st percentile

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

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2015: $160,213Expenses 2015: $157,965Net Income 2015: $2,2482015Revenue 2016: $276,052Expenses 2016: $261,298Net Income 2016: $14,7542016Revenue 2017: $998,291Expenses 2017: $418,169Net Income 2017: $580,1222017Revenue 2018: $895,424Expenses 2018: $516,752Net Income 2018: $378,6722018Revenue 2019: $774,464Expenses 2019: $739,642Net Income 2019: $34,8222019Revenue 2020: $822,320Expenses 2020: $877,906Net Income 2020: -$55,5862020Revenue 2021: $1,081,152Expenses 2021: $822,541Net Income 2021: $258,6112021Revenue 2022: $773,930Expenses 2022: $1,436,525Net Income 2022: -$662,5952022Revenue 2023: $2,073,323Expenses 2023: $1,898,580Net Income 2023: $174,7432023Revenue 2024: $4,359,994Expenses 2024: $1,985,948Net Income 2024: $2,374,0462024

Highlighted filing

2024

Revenue$4,359,994
Expenses$1,985,948
Net Income$2,374,046
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 26, 2025
Return Version
2024v5.1
Gross Receipts
$4,359,994
Mission and Program Overview

Mission

The mission of WCNFP is to assist low-income individuals build positive personal credit histories through education, training, assistance, and other tools. WCNFP does not charge a fee to the individuals benefiting from WCNFP's programs. Funding for WCNFP programs provided to low-income individuals is primarily through grants, contributions, and contracts.

To partner with individuals and communities with no-to-low credit scores to provide credit building education, one-on-one counseling, and access to financial products needed to thrive financially.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$495,530$1,914,319▲ $1,418,789
Pledges and Grants Receivable$255,520$1,202,477▲ $946,957
Accounts Receivable$35,824$37,522▲ $1,698
Land, Buildings, and Equipment, Net$43,708$34,873▼ $8,835
Prepaid Expenses and Deferred Charges$16,469$9,771▼ $6,698
Savings and Temporary Cash Investments-$0-
Other Notes and Loans Receivable, Net-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$847,051$3,198,962▲ $2,351,911
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$85,808$57,225▼ $28,583
Deferred Revenue$35,452$41,900▲ $6,448
Total Liabilities$121,260$99,125▼ $22,135
Net Assets / Fund Balance
Net Assets With Donor Restrictions$457,975$2,543,176▲ $2,085,201
Net Assets Without Donor Restrictions$267,816$556,661▲ $288,845
Total Net Assets Fund Balance$725,791$3,099,837▲ $2,374,046
Total Liabilities and Net Assets / Fund Balance$847,051$3,198,962▲ $2,351,911

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$6,877$95,911$102,788
Equipment$27,996$20,667$48,663
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Sarah ChenvenCEOFT$122,630$122,630
Ricki LowitzFounder/AdvisorFT$43,573$43,573

Board Members and Trustees

NameTitle
Jacqueline ScottPresident
Annyelica DiazDirector
Colette LabradorDirector
Diana ElliottDirector
Gary KashDirector
Kant DesaiDirector
Valerie RiveraDirector
Vanessa MessanDirector
Kim AllmanSecretary
Ellen MeadeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$4,073,161
Program Service Revenue
$268,134
Investment Income
$18,699
Other Revenue
$0
All Other Contributions
$3,903,127
Change in Net Assets
$2,374,046

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,359,994
Total Revenue per Audited Statements
$4,359,994
Total Revenue per Form 990
$4,359,994
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,516,484
Other Expenses$469,464
Total Fundraising Expense$174,853
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$782,155$129,124$81,537$992,816
Other Employee Benefits$209,414$31,167$22,260$262,841
Fees for Services Other$130,760$69,643$33,687$234,090
Current Officers, Directors, Trustees, and Key Employees$141,273$8,310$16,620$166,203
Payroll Taxes$75,390$11,220$8,014$94,624
Travel$29,701$17,468$8,171$55,340
Depreciation Depletion$15,750$1,969$1,969$19,688
Other Expenses$11,260$5,771$237$17,268
Insurance-$6,703-$6,703
All Other Expenses$1,927$4,285$246$6,458
Occupancy$2,160$2,970$270$5,400
Office Expenses$95$2,722-$2,817
Interest-$2,128-$2,128
Advertising$650$125-$775
Total Functional Expenses$1,512,062$299,033$174,853$1,985,948

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,985,948
Total Expenses per Audited Statements$1,985,948
Total Expenses per Form 990$1,985,948
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
Yes
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
-Director FamilyOffice leaseNo$5,400

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“Form 990 is reviewed by the Board of Directors prior to submitting the return to theInternal Revenue Service.”

Form 990, Part VI, Section B, Line 12C

“On an annual basis all Board members and key employees are required to submit awritten statement stating whether or not the individual has any known conflicts ofinterest. Also all Board members and key employees are required to immediatelynotify the Board if a known conflict of interest should arise.”

Form 990, Part VI, Section B, Line 15A

“Salary rates for the Executive Director and other key employees is included in theannual budget. The annual budget is presented to the Board for approval. Thesalary rate in the approved budget are is implemented once the budget is approved bythe Board.”

Form 990, Part VI, Section B, Line 15B

“Compensation rates for key employees is assessed against comparability data by theBoard for reasonableness.”

Form 990, Part VI, Section C, Line 18

“A copy of the annual audit and form 990 is posted on the web-site of the Illinois Attorney General, which is accessible to the general public.”

Form 990, Part VI, Section C, Line 19

“Disclosure of governing documents, policies, and financial statements is madeavailable to the general public upon written request.”

Filing and Contact Details

Filer

Filer Name
Working Credit NFP
EIN
47-2614811
Phone
3123395357
Address
111 W Washington Street 900, Chicago, IL 60602

Signing Officer

Name
Sarah Chenven
Title
CEO
Signed
2025-06-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sarah Chenven
Formed
2014
Legal Domicile
Il
Voting Board Members
11
Independent Board Members
10
Employees
19
Volunteers
10

Preparer

Firm
Il Nfp Audit and Tax Llp
Address
200 S WACKER DR SUITE 3100, CHICAGO, IL 60606
Preparer
Abdullah Khan CPA
Phone
3129985500
Supplemental Narrative

Financial Statement Notes

Part X : FIN48 Footnote

“The Organization is exempt from Federal and State income taxes under Section 501(c)(3) of the Internal Revenue Code, therefore, the financial statements do not include a provision for income taxes. The Organization reviews income tax positions taken or expected to be taken in income tax returns to determine if there are any income tax uncertainties. This includes positions that the entity is exempt from income taxes or not subject to income taxes on unrelated business income. The Organization recognizes tax benefits from uncertain tax positions only if it is more likely than not that the tax positions will be sustained on examination by taxing authorities, based on the technical merits of the positions. The Organization has identified no significant income tax uncertainties. The Organization files information returns as a tax-exempt organization. Should that status be challenged in the future, all years since inception could be subject to review by the IRS.”

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IRS990/Desc0The road to good credit is shorter than many think. People do not have to be wealthy to have a good credit score, but they do have to know the rules of the credit scoring system and adopt concrete strategies to establish and sustain creditworthiness. Enter Working Credit: our program aims to scale credit building, particularly among people of color, as a strategy for achieving financial resilience in the near term, and expanding access to economic and social opportunities in the longer term. We do this by helping participants acquire the upfront knowledge, affordable products, and ongoing support they need to achieve and sustain prime credit scores and to establish a safety net of at least $1,000 in available credit. Working Credits one-of-a-kind credit building program is comprised of two parts:1.Credit Building Workshops. Working Credit offers a signature virtual and in-person 45-minute workshop that provides baseline information on the credit scoring system, including the high cost of having poor or no credit, the fundamental rules of credit scoring, simple and straightforward strategies to establish and/or build a strong score, and scams to avoid like predatory credit repair. 2.One-on-One Credit Building Counseling and Coaching for 12 Months. Working Credits one-on-one, personalized, credit building counseling starts with a 60-minute, in-depth and confidential session during which Working Credit counselors and participants:a.Complete a baseline financial profile that encompasses a detailed personal/household budget reflecting the participants current reality and focusing on their unique goals; b.Pull and review a soft inquiry version of the participants credit report (soft inquiries do not impact consumers credit scores) to make sure the information is accurate and that participants understand its content and what may be affecting their score (if any), and identify barriers and solutions for improving their situation based on their goals; and c.Develop a personalized Credit Action Plan that serves as a detailed roadmap informed by the participants goals. Those who complete the first counseling session have unlimited access to, and receive unlimited help from, their Working Credit counselor for 12 months. Regardless of how many or how few additional sessions participants request, our counselors pull each persons credit reports and credit scores at 6 and 12 months after that first meeting. They then share with them a personalized report that explains what changed, why, and what the participant can do to continue building credit and make the most of new and improved scores. In addition to being credit building subject matter experts, Working Credits counselors and coaches can and do support participants on a range of financial topics. These include but are not limited to:Managing credit card, medical, student loan, collections, and other debtNavigating student aid and post-secondary education financing resourcesRefinancing high interest vehicle loansCancelling contracts, when possible, for predatory credit/debt servicesFiling for bankruptcyHandling judgments, garnishments, and tax liensNavigating credit and divorceRenting or purchasing a home (knowing your rights and options)Applying for tax credits (e.g., EITC) and other benefitsAs we have expanded our capacity to reach people in different contexts, our relational model is evidence-based and scalable. Provided remotely and with a robust backend platform to manage participants and partners, our services can be offered as a standalone program, or layered in as a complement to an existing initiative so that we and our partners can focus on what we each do bestand together better support our mutual participants. Working Credits goal is not just to convey information, but to transform that information into actionable knowledge and sustained impact that improves participants financial circumstances and interrupts barriers to goal achievement caused by structural racism in the cred
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,198,962
Liabilities
$99,125
Net assets
$3,099,837
Revenue
$4,359,994
Expenses
$1,985,948
Net income
$2,374,046
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.20$0.10$3.10$4.36$1.99$2.37
2023Summary only. Only limited summary data is available for this year.$0.85$0.12$0.73$2.07$1.90$0.17
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.62$0.07$0.55$0.77$1.44$0.66
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.34$0.13$1.21$1.08$0.82$0.26
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.97$0.02$0.96$0.82$0.88$0.06
2019Summary only. Only limited summary data is available for this year.$1.03$0.02$1.01$0.77$0.74$0.03
2018Summary only. Only limited summary data is available for this year.$0.99$0.01$0.98$0.90$0.52$0.38
2017Summary only. Only limited summary data is available for this year.$0.66$0.07$0.60$1.00$0.42$0.58
2016Summary only. Only limited summary data is available for this year.$0.05$0.04$0.02$0.28$0.26$0.01
2015Summary only. Only limited summary data is available for this year.$0.03$0.03$0.16$0.16$0.00
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2024 filings • 501(c)3 • $1M-$5M nonprofits