Civic Intelligence

Credit Coalition

EIN 76-0334549 • 501(c)3 • Houston, TX

Profile

The credit coalition's purpose is to empower its clients through financial and homebuyer counseling and education, to be able to make informed, reasonable and responsible decisions in regard to their financial and specific housing goals.

3300 Lyons Avenue 203AHouston, TX 77020

n/A

Siviq Scores

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

Liabilities / Assets

59th percentile

0.00x

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

501(c)3 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

61st percentile

0.00x

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

501(c)3 • <$500k nonprofits • Source year 2025

Net Margin

85th percentile

36%

Higher net margin than 85% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

100th percentile

$93,955

Higher top officer pay than 100% of similar nonprofits.

Top officer pay equals 61.2% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2022

Asset Growth

81st percentile

30%

Faster asset growth than 81% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2025

Revenue Growth

65th percentile

12%

Faster revenue growth than 65% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2025

Balance Sheet
Liabilities / Assets59th percentile

Assets

Up

$394,472

Up $159,874 (+68%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

$394,472

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue61st percentileNet Margin85th percentile

Revenue

Up

$244,763

Up $49,362 (+25%) from 2023

Expenses

Up

$157,571

Up $8,586 (+5.8%) from 2023

Net Income

Up

$87,192

Up $40,776 (+88%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth81st percentile

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

$400K$300K$200K$100K$0Assets 2011: $173,468Liabilities 2011: $0Net Assets 2011: $173,4682011Assets 2012: $180,843Liabilities 2012: $02012Assets 2013: $191,375Liabilities 2013: $0Net Assets 2013: $191,3752013Assets 2014: $194,296Liabilities 2014: $0Net Assets 2014: $194,2962014Assets 2015: $165,611Liabilities 2015: $0Net Assets 2015: $165,6112015Assets 2016: $151,682Liabilities 2016: $0Net Assets 2016: $151,6822016Assets 2017: $142,346Liabilities 2017: $0Net Assets 2017: $142,3462017Assets 2018: $160,694Liabilities 2018: $0Net Assets 2018: $160,6942018Assets 2019: $129,132Liabilities 2019: $0Net Assets 2019: $129,1322019Assets 2020: $195,055Liabilities 2020: $22,781Net Assets 2020: $172,2742020Assets 2021: $170,850Liabilities 2021: $02021Assets 2022: $188,182Liabilities 2022: $0Net Assets 2022: $188,1822022Assets 2023: $234,598Liabilities 2023: $02023Assets 2025: $394,472Liabilities 2025: $0Net Assets 2025: $394,4722025

Highlighted filing

2025

Assets$394,472
Liabilities$0
Net Assets$394,472
Open 2025 Filing

Operations Trend

Revenue Growth65th percentile

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

$300K$200K$100K$0-$100KRevenue 2011: $112,613Expenses 2011: $105,788Net Income 2011: $6,8252011Revenue 2012: $117,934Expenses 2012: $110,559Net Income 2012: $7,3752012Revenue 2013: $124,509Expenses 2013: $113,977Net Income 2013: $10,5322013Revenue 2014: $117,141Expenses 2014: $114,220Net Income 2014: $2,9212014Revenue 2015: $96,661Expenses 2015: $125,346Net Income 2015: -$28,6852015Revenue 2016: $109,366Expenses 2016: $123,297Net Income 2016: -$13,9312016Revenue 2017: $123,644Expenses 2017: $132,980Net Income 2017: -$9,3362017Revenue 2018: $149,700Expenses 2018: $131,352Net Income 2018: $18,3482018Revenue 2019: $116,272Expenses 2019: $147,834Net Income 2019: -$31,5622019Revenue 2020: $183,200Expenses 2020: $140,058Net Income 2020: $43,1422020Revenue 2021: $120,000Expenses 2021: $121,424Net Income 2021: -$1,4242021Revenue 2022: $153,558Expenses 2022: $136,226Net Income 2022: $17,3322022Revenue 2023: $195,401Expenses 2023: $148,985Net Income 2023: $46,4162023Revenue 2025: $244,763Expenses 2025: $157,571Net Income 2025: $87,1922025

Highlighted filing

2025

Revenue$244,763
Expenses$157,571
Net Income$87,192
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$394,472
Liabilities
$0
Net assets
$394,472
Revenue
$244,763
Expenses
$157,571
Net income
$87,192
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.94$0.00$3.94$2.45$1.58$0.87
2023Summary only. Only limited summary data is available for this year.$2.35$0.00$1.95$1.49$0.46
2022Detailed filing. Detailed filing data is available for this year.$1.88$0.00$1.88$1.54$1.36$0.17
2021Summary only. Only limited summary data is available for this year.$1.71$0.00$1.20$1.21$0.01
2020Detailed filing. Detailed filing data is available for this year.$1.95$0.23$1.72$1.83$1.40$0.43
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.29$0.00$1.29$1.16$1.48$0.32
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.61$0.00$1.61$1.50$1.31$0.18
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.42$0.00$1.42$1.24$1.33$0.09
2016Detailed filing. Detailed filing data is available for this year.$1.52$0.00$1.52$1.09$1.23$0.14
2015Detailed filing. Detailed filing data is available for this year.$1.66$0.00$1.66$0.97$1.25$0.29
2014Detailed filing. Detailed filing data is available for this year.$1.94$0.00$1.94$1.17$1.14$0.03
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.91$0.00$1.91$1.25$1.14$0.11
2012Summary only. Only limited summary data is available for this year.$1.81$0.00$1.18$1.11$0.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.73$0.00$1.73$1.13$1.06$0.07
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Dec 1, 2024 to Nov 30, 2025
Signed
Jan 28, 2026
Return Version
2024v5.2
Gross Receipts
$244,763
Mission and Program Overview

Mission

The credit coalition's purpose is to empower its clients through financial and homebuyer counseling and education, to be able to make informed, reasonable and responsible decisions in regard to their financial and specific housing goals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$265,233$317,801▲ $52,568
Savings and Temporary Cash Investments$42,047$76,671▲ $34,624
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$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-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$307,280$394,472▲ $87,192
Other Assets Total-$0-
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$307,280$394,472▲ $87,192
Total Net Assets Fund Balance$307,280$394,472▲ $87,192
Total Liabilities and Net Assets / Fund Balance$307,280$394,472▲ $87,192
Compensation and Service Providers
Top Officer Pay100th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Sherrie YoungExecutive DirectorFT$108,219$108,219

Board Members and Trustees

NameTitle
Rudy ReyesPresident
Gloria SandersonVice President
Dorothy JenningsDirector
Felecia EllisDirector
Harold Jasper IIIDirector
James PowellDirector
Joette MartinDirector
Jonah PedrosoDirector
Karla HollinsDirector
Marcus VasquezDirector
Mark MageeDirector
Marlon MitchellDirector
Marvett Sawer HowardDirector
Misha BurkettDirector
Sandra YagerDirector
Sherra HouseDirector
Trisha FigaroDirector
Verenice LedbetterDirector
Walter BeardDirector
Michael BaileySecretary
James BuccieriTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$239,864
Program Service Revenue
$0
Investment Income
$4,899
Other Revenue
$0
All Other Contributions
$216,724
Change in Net Assets
$87,192
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$129,871
Other Expenses$27,700
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$102,808$5,411-$108,219
Other Salaries and Wages$11,802$621-$12,423
Payroll Taxes$8,768$461-$9,229
Fees for Services Accounting-$8,950-$8,950
Office Expenses$4,678$246-$4,924
Insurance$2,265$119-$2,384
Fees for Services Management-$2,338-$2,338
Other Expenses$475$25-$500
Total Functional Expenses$138,969$18,602$0$157,571
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
No
Subject to proxy tax
No
Insider Transactions and Loans

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
Backup withholding compliance
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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

“the executive director reviews the form 990 and it is available to the board prior to filling.”

Form 990, Part VI, Section C, Line 18

“Guidestar.org”

Form 990, Part VI, Section C, Line 19

“the credit coalition provides its governing documents, policies and financial statements available to the public upon request of such information.”

Filing and Contact Details

Filer

Filer Name
Credit Coalition Inc
EIN
76-0334549
Phone
7132248100
Address
3300 Lyons Avenue 203A, Houston, TX 77020

Signing Officer

Name
Rudy Reyes
Title
President
Signed
2026-01-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rudy Reyes
Formed
1992
Legal Domicile
TX
Voting Board Members
21
Independent Board Members
21
Employees
2

Preparer

Firm
Thompson Derrig & Craig PC
Address
1598 Copperfield Pkwy, College Station, TX 77845
Preparer
R Logan Kendrick CPA
Phone
9792609696
Raw XML AppendixShowing 400 of 531 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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IRS990/Form990PartVIISectionAGrp/PersonNm1Rudy Reyes
IRS990/Form990PartVIISectionAGrp/PersonNm2Gloria Sanderson
IRS990/Form990PartVIISectionAGrp/PersonNm3Michael Bailey
IRS990/Form990PartVIISectionAGrp/PersonNm4James Buccieri
IRS990/Form990PartVIISectionAGrp/PersonNm5Walter Beard
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IRS990/Form990PartVIISectionAGrp/PersonNm9Sherra House
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IRS990/Form990PartVIISectionAGrp/PersonNm13Mark Magee
IRS990/Form990PartVIISectionAGrp/PersonNm14Marlon Mitchell
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