Civic Intelligence

Credit Coalition Inc

990EZ • Fiscal year 2019 • EIN 76-0334549

Dec 01, 2018 to Nov 30, 2019 • Filed on Oct 10, 2020

Organization ProfileN/A
11201 Clay RoadHouston, TX 77041

(832) 485-2300

Siviq Scores

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

Liabilities / Assets

57th percentile

0.00x

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

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Liabilities / Revenue

57th percentile

0.00x

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

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Net Margin

13th percentile

-27%

Higher net margin than 13% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Top Officer Pay

98th percentile

$90,701

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 78.0% of source-year revenue.

2019 filings • 501(c)3 • <$500k nonprofits • Source year 2019

Asset Growth

21st percentile

-20%

Faster asset growth than 21% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Annualized from 2018 to 2019

Revenue Growth

22nd percentile

-22%

Faster revenue growth than 22% of similar nonprofits.

2019 filings • 501(c)3 • <$500k nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets57th percentile

Assets

Down

$129,132

Down $31,562 (-20%) from 2018

Net Assets

Down

$129,132

Down $31,562 (-20%) from 2018

Liabilities

Flat

$0

Flat from 2018

Revenue And Expenses
Liabilities / Revenue57th percentileNet Margin13th percentile

Revenue

Down

$116,272

Down $33,428 (-22%) from 2018

Expenses

Up

$147,834

Up $16,482 (+13%) from 2018

Net Income

Down

-$31,562

Down $49,910 (-272%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth21st percentile

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

$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

2019

Assets$129,132
Liabilities$0
Net Assets$129,132
Open 2019 Filing

Operations Trend

Revenue Growth22nd percentile

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

2019

Revenue$116,272
Expenses$147,834
Net Income-$31,562
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Dec 1, 2018 to Nov 30, 2019
Signed
Oct 10, 2020
Return Version
2018v3.2
Gross Receipts
$116,272
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.

Program Services

DescriptionGrantsExpenses
FUNDAMENTALS OF GOOD CREDIT PROGRAM: PROVIDES TRAINING IN UNDERSTANDING AND DEVELOPING CREDIT.THE CREDIT COALITION'S, "FUNDAMENTALS OF GOOD CREDIT", IS RECOGNIZED AS AN APPROVED HOMEBUYER COUNSELING/EDUCATION COURSE FOR MANY HOUSTON AREA DOWN PAYMENT ASSISTANCE PROVIDERS AND MEETS THE FINANCIAL EDUCATION REQUIREMENT FOR HOUSTON AND GOLDEN TRIANGLE AREA INDIVIDUAL DEVELOPMENT ACCOUNT (IDA) SAVINGS PROGRAMS.COMPLETION OF THE 15-HOUR "FUNDAMENTALS OF GOOD CREDIT" RESULTS IN THE CLIENT EARNING THE CREDIT COALITION'S FINANCIAL AND HOMEBUYER EDUCATION COMPLETION CERTIFICATE. UPON GRADUATION FROM THE SERIES, EACH CLIENT WILL HAVE AN UNDERSTANDING OF HIS OWN FINANCIAL WELLNESS AND OVERALL CREDIT HEALTH. THROUGH THE SERIES, "FUNDAMENTALS OF GOOD CREDIT", THE CREDIT COALITION'S CLIENTS ARE EMPOWERED TO CHANGE THEIR LIVES WITH FINANCIAL KNOWLEDGE AND REACH THEIR SPECIFIC FINANCIAL AND HOUSING GOALS.THE CREDIT COALITION IS A HUD APPROVED HOUSING COUNSELING AGENCY, A MEMBER OF THE REVERSE MORTGAGE EDUCATION COUNSELING PROJECT AND THE TEXAS AND HOUSTON FORECLOSURE PREVENTION TASK FORCES. THE HOUSTON AND BEAUMONT AREA IDA PROGRAMS AND MANY DOWN PAYMENT ASSISTANCE PROGRAMS THROUGHOUT THE GREATER HOUSTON AREA ACCEPT THE COMPLETION OF THE "FUNDAMENTALS OF GOOD CREDIT" AS MEETING THE FINANCIAL/HOMEBUYER EDUCATION REQUIREMENT FOR THEIR PROGRAMS.FOR FYE 11/30/2019, 635 CLIENTS WERE SERVED BETWEEN THE DIFFERENT PROGRAMS INCLUDING, BUT NOT LIMITED TO, COMMUNITY FINANCIAL EDUCATION, REVERSE MORTGAGE COUNSELING, AND FORECLOSURE INTERVENTION COUNSELING.$0$119,111
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
SHERRIE YOUNGExecutive DirectorFT$90,701-$90,701
BRANDI GREGG COMMUNITYBANK OF TEXAPresident-$0--
DORA CANTU JP MORGAN CHASE BANKVice President-$0--
DEBORAH SEVERSKI SPIRIT OF TEXAS BSecretary-$0--
RICKY JIMENEZ JR ALLEGIANCE BANKTreasurer-$0--
BRENDA COSTILLA AMERANT BANKBoard Member-$0--
FELECIA ELLIS BANK OF TEXASBoard Member-$0--
ALAN WATKINS WELLS FARGO BANKBoard Member-$0--
COURTNEY TAYLOR VERITEX COMMUNITYBoard Member-$0--
DEBBIE PETERSON INTEGRITY BANKBoard Member-$0--
J REYMUNDO OCANAS BBVACOMPASSBoard Member-$0--
GLORIA SANDERSON PIONEER BANKBoard Member-$0--
Filing and Contact Details

Filer

Filer Name
Credit Coalition
EIN
76-0334549
Phone
8324852300
Address
11201 CLAY ROAD, HOUSTON, TX 77041

Signing Officer

Name
Ricky Jimenez Jr
Title
Treasurer
Phone
8324852300
Signed
2020-10-10
Discuss with paid preparer
Yes

Preparer

Firm
Briggs & Veselka Co Llp
Address
NINE GREENWAY PLAZA SUITE 1700, HOUSTON, TX 77046
Preparer
Angela K Armstrong
Phone
7136679147
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 4 - Other Investment Income

“Description: interest. Amount: 408.”

Form 990-ez, Part I, Line 8 - Other Revenue

“Description: other income. Amount: 289.”

Form 990-ez, Part I, Line 16 - Other Expenses

“Description: credit reports. Amount: 117. Description: payroll expenses. Amount: 2,138. Description: website maintenance. Amount: 1,686. Description: telephone. Amount: 5,254. Description: conferences and training. Amount: 1,260. Description: computer repair. Amount: 282. Description: miscellaneous. Amount: 4,402. Description: bank charges. Amount: 25. Total to form 990-ez, line 16: 15,164.”

Raw XML Appendix231 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/PrimaryExemptPurposeTxt0THE 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.
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IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0FUNDAMENTALS OF GOOD CREDIT PROGRAM: PROVIDES TRAINING IN UNDERSTANDING AND DEVELOPING CREDIT.THE CREDIT COALITION'S, "FUNDAMENTALS OF GOOD CREDIT", IS RECOGNIZED AS AN APPROVED HOMEBUYER COUNSELING/EDUCATION COURSE FOR MANY HOUSTON AREA DOWN PAYMENT ASSISTANCE PROVIDERS AND MEETS THE FINANCIAL EDUCATION REQUIREMENT FOR HOUSTON AND GOLDEN TRIANGLE AREA INDIVIDUAL DEVELOPMENT ACCOUNT (IDA) SAVINGS PROGRAMS.COMPLETION OF THE 15-HOUR "FUNDAMENTALS OF GOOD CREDIT" RESULTS IN THE CLIENT EARNING THE CREDIT COALITION'S FINANCIAL AND HOMEBUYER EDUCATION COMPLETION CERTIFICATE. UPON GRADUATION FROM THE SERIES, EACH CLIENT WILL HAVE AN UNDERSTANDING OF HIS OWN FINANCIAL WELLNESS AND OVERALL CREDIT HEALTH. THROUGH THE SERIES, "FUNDAMENTALS OF GOOD CREDIT", THE CREDIT COALITION'S CLIENTS ARE EMPOWERED TO CHANGE THEIR LIVES WITH FINANCIAL KNOWLEDGE AND REACH THEIR SPECIFIC FINANCIAL AND HOUSING GOALS.THE CREDIT COALITION IS A HUD APPROVED HOUSING COUNSELING AGENCY, A MEMBER OF THE REVERSE MORTGAGE EDUCATION COUNSELING PROJECT AND THE TEXAS AND HOUSTON FORECLOSURE PREVENTION TASK FORCES. THE HOUSTON AND BEAUMONT AREA IDA PROGRAMS AND MANY DOWN PAYMENT ASSISTANCE PROGRAMS THROUGHOUT THE GREATER HOUSTON AREA ACCEPT THE COMPLETION OF THE "FUNDAMENTALS OF GOOD CREDIT" AS MEETING THE FINANCIAL/HOMEBUYER EDUCATION REQUIREMENT FOR THEIR PROGRAMS.FOR FYE 11/30/2019, 635 CLIENTS WERE SERVED BETWEEN THE DIFFERENT PROGRAMS INCLUDING, BUT NOT LIMITED TO, COMMUNITY FINANCIAL EDUCATION, REVERSE MORTGAGE COUNSELING, AND FORECLOSURE INTERVENTION COUNSELING.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST. AMOUNT: 408.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DESCRIPTION: OTHER INCOME. AMOUNT: 289.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DESCRIPTION: CREDIT REPORTS. AMOUNT: 117. DESCRIPTION: PAYROLL EXPENSES. AMOUNT: 2,138. DESCRIPTION: WEBSITE MAINTENANCE. AMOUNT: 1,686. DESCRIPTION: TELEPHONE. AMOUNT: 5,254. DESCRIPTION: CONFERENCES AND TRAINING. AMOUNT: 1,260. DESCRIPTION: COMPUTER REPAIR. AMOUNT: 282. DESCRIPTION: MISCELLANEOUS. AMOUNT: 4,402. DESCRIPTION: BANK CHARGES. AMOUNT: 25. TOTAL TO FORM 990-EZ, LINE 16: 15,164.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02021-01-29 14:40:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0RICKY JIMENEZ JR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum08324852300
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-10-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CREDIT COALITION
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0760334549
ReturnHeader/Filer/PhoneNum08324852300
ReturnHeader/Filer/USAddress/AddressLine1Txt011201 CLAY ROAD
ReturnHeader/Filer/USAddress/CityNm0HOUSTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd077041
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId07D39DF5D47748382D16DD90EF2260B978B4669E3
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId08A44E03E3BA1A0603749A32F54DC5BBF0AF9D53C
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0149.20.201.2
ReturnHeader/FilingSecurityInformation/IPDt02020-10-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm016:32:16
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0741769118
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BRIGGS & VESELKA CO LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0NINE GREENWAY PLAZA SUITE 1700
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0HOUSTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd077046
ReturnHeader/PreparerPersonGrp/PhoneNum07136679147
ReturnHeader/PreparerPersonGrp/PreparationDt02020-10-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANGELA K ARMSTRONG
ReturnHeader/ReturnTs02020-10-12T09:14:17-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02018-12-01
ReturnHeader/TaxPeriodEndDt02019-11-30
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$129,132
Liabilities
$0
Net assets
$129,132
Revenue
$116,272
Expenses
$147,834
Net income
-$31,562
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
2019Detailed filing. Detailed filing data is available for this year.$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