Civic Intelligence

Cba Fund

EIN 82-4272195 • 501(c)3 • Washington, DC

Profile

Cba fund is a nonprofit corporation established under the laws of the district of columbia, formed and operated for the purpose of expanding the capicity of nonprofits that provide safe and affordable small dollar consumer loans and credit building products to low and moderate income individuals.

1701 K Street NW Ste 1000Washington, DC 20006

www.creditbuildersalliance.org

Siviq Scores

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

Liabilities / Assets

70th percentile

0.33x

Higher debt load relative to assets than 70% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

93rd percentile

3.20x

Higher debt load relative to revenue than 93% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Net Margin

5th percentile

-71%

Higher net margin than 5% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

10th percentile

-11%

Faster asset growth than 10% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

4th percentile

-59%

Faster revenue growth than 4% of similar nonprofits.

501(c)3 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets70th percentile

Assets

Down

$5,278,976

Down $662,725 (-11%) from 2023

Liabilities

Down

$1,746,694

Down $276,676 (-14%) from 2023

Net Assets

Down

$3,532,282

Down $386,049 (-9.9%) from 2023

Operations
Liabilities / Revenue93rd percentileNet Margin5th percentile

Revenue

Down

$546,285

Down $780,825 (-59%) from 2023

Expenses

Up

$932,334

Up $100,206 (+12%) from 2023

Net Income

Down

-$386,049

Down $881,031 (-178%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth10th percentile

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

$6.0M$4.0M$2.0M$0Assets 2019: $259,728Liabilities 2019: $207,596Net Assets 2019: $52,1322019Assets 2020: $1,241,062Liabilities 2020: $258,847Net Assets 2020: $982,2152020Assets 2021: $3,373,113Liabilities 2021: $346,549Net Assets 2021: $3,026,5642021Assets 2022: $3,861,353Liabilities 2022: $438,004Net Assets 2022: $3,423,3492022Assets 2023: $5,941,701Liabilities 2023: $2,023,370Net Assets 2023: $3,918,3312023Assets 2024: $5,278,976Liabilities 2024: $1,746,694Net Assets 2024: $3,532,2822024

Highlighted filing

2024

Assets$5,278,976
Liabilities$1,746,694
Net Assets$3,532,282
Open 2024 Filing

Operations Trend

Revenue Growth4th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2019: $209,599Expenses 2019: $152,513Net Income 2019: $57,0862019Revenue 2020: $1,890,737Expenses 2020: $960,654Net Income 2020: $930,0832020Revenue 2021: $2,669,814Expenses 2021: $625,465Net Income 2021: $2,044,3492021Revenue 2022: $1,343,390Expenses 2022: $946,605Net Income 2022: $396,7852022Revenue 2023: $1,327,110Expenses 2023: $832,128Net Income 2023: $494,9822023Revenue 2024: $546,285Expenses 2024: $932,334Net Income 2024: -$386,0492024

Highlighted filing

2024

Revenue$546,285
Expenses$932,334
Net Income-$386,049
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$5,278,976
Liabilities
$1,746,694
Net assets
$3,532,282
Revenue
$546,285
Expenses
$932,334
Net income
-$386,049
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.28$1.75$3.53$0.55$0.93$0.39
2023Detailed filing. Detailed filing data is available for this year.$5.94$2.02$3.92$1.33$0.83$0.49
2022Detailed filing. Detailed filing data is available for this year.$3.86$0.44$3.42$1.34$0.95$0.40
2021Detailed filing. Detailed filing data is available for this year.$3.37$0.35$3.03$2.67$0.63$2.04
2020Detailed filing. Detailed filing data is available for this year.$1.24$0.26$0.98$1.89$0.96$0.93
2019Detailed filing. Detailed filing data is available for this year.$0.26$0.21$0.05$0.21$0.15$0.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 7, 2025
Return Version
2024v5.0
Gross Receipts
$546,285
Mission and Program Overview

Mission

Cba fund is a nonprofit corporation established under the laws of the district of columbia, formed and operated for the purpose of expanding the capicity of nonprofits that provide safe and affordable small dollar consumer loans and credit building products to low and moderate income individuals.

Cba fund's mission is to expand the capacity of nonprofits that provide safe and affordable small dollar consumer loans and credit building products to low and moderate income individuals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,591,185$4,243,830▲ $1,652,645
Savings and Temporary Cash Investments$3,181,316$930,883▼ $2,250,433
Cash and Non-Interest-Bearing Accounts$127,384$47,282▼ $80,102
Accounts Receivable$29,042$45,879▲ $16,837
Prepaid Expenses and Deferred Charges$7,887$8,765▲ $878
Land, Buildings, and Equipment, Net$4,887$2,337▼ $2,550
Total Assets$5,941,701$5,278,976▼ $662,725
Liabilities
Unsecured Notes Loans Payable$1,325,000$1,325,000→ $0
Deferred Revenue$608,575$284,525▼ $324,050
Other Liabilities$49,481$137,169▲ $87,688
Accounts Payable and Accrued Expenses$40,314--
Total Liabilities$2,023,370$1,746,694▼ $276,676
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,674,795$3,270,242▲ $595,447
Net Assets With Donor Restrictions$1,243,536$262,040▼ $981,496
Total Net Assets Fund Balance$3,918,331$3,532,282▼ $386,049
Total Liabilities and Net Assets / Fund Balance$5,941,701$5,278,976▼ $662,725

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$2,337$10,413$12,750
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeOtherTotal
Dara DuguayExecutive DiPT$234,629$234,629

Board Members and Trustees

NameTitle
Jack BrummelChair
Dwayne KeysVice Chair
Andrew PosnerDirector
Cindy LogsdonDirector
Donovan DuncanDirector
Giovanna PiovanettiDirector
Holly FrindellDirector
Isis SalmeronDirector
Morgan SpearsDirector
Valecia QuinnDirector
Yanki TsheringDirector
Priscilla WooDirector - I
Shawna CollierDirector - O
Dara DuguayExecutive Director
Julia GazizovaCFO
Jeanne HogarthSecretary -
Kevin FryattTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$327,255
Program Service Revenue
$158,046
Investment Income
$60,984
Other Revenue
$0
All Other Contributions
$3,205
Change in Net Assets
$-386,049

Audited Revenue Reconciliation

Revenue per Audited Statements
$546,285
Total Revenue per Audited Statements
$546,285
Total Revenue per Form 990
$546,285
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$433,618
Other Expenses$276,216
Grants and Similar Amounts Paid$222,500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$250,342--$250,342
Grants to Domestic Orgs$222,500--$222,500
Current Officers, Directors, Trustees, and Key Employees$120,290--$120,290
Fees for Services Other$47,114$51,075-$98,189
Occupancy$35,344--$35,344
Payroll Taxes$28,554--$28,554
Other Employee Benefits$27,372--$27,372
Insurance-$14,371-$14,371
Information Technology$14,038--$14,038
Fees for Services Accounting$8,920$2,276-$11,196
Office Expenses$7,013$751-$7,764
Pension Plan Contributions$7,060--$7,060
Interest-$4,996-$4,996
Depreciation Depletion-$2,550-$2,550
Other Expenses-$787-$787
Total Functional Expenses$768,547$163,787$0$932,334

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$932,334
Total Expenses per Audited Statements$932,334
Total Expenses per Form 990$932,334
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Community First FundLancaster, PA501c3Small Dollar Lending$16,125
BetterfiCoalmont, TN501c3Small Dollar Lending$15,000
Cook Inlet Lending Center IncAnchorage, AK501c3Small Dollar Lending$15,000
Northwest Access FundShoreline, WA501c3Small Dollar Lending$15,000
Redbud Financial AlternativesHazard, KY501c3Small Dollar Lending$15,000
Wisconsin Native Loan FundLac Du Flambeau, WI501c3Small Dollar Lending$15,000
Solitas HouseTampa, FL501c3Small Dollar Lending$10,875
One Percent for AmericaBoston, MA501c3Small Dollar Lending$10,000
Capital Good FundProvidence, RI501c3Small Dollar Lending$8,000
Center for Economic OpportunitySan Diego, CA501c3Small Dollar Lending$8,000
First Community Capital IncLancaster, PA501c3Small Dollar Lending$8,000
Kc Unidos Federal Credit UnionKansas City, MO501c3Small Dollar Lending$8,000
Nacdc Financial Services IncBrowning, MT501c3Small Dollar Lending$8,000
National Asian American CoalitionDaly City, CA501c3Small Dollar Lending$8,000
People TrustLittle Rock, AR501c3Small Dollar Lending$8,000
The Fountain FundCharlottesville, VA501c3Small Dollar Lendnig$8,000
JAMESTOWN S'KLALLAM TRIBAL CAPITALSequim, WA501c3Small Dollar Lending$5,500
Lafayette Neighborhood ServiceLafayette, IN501c3Small Dollar Lending$5,500
Lending Solutions LLCFlagstaff, AZ501c3Small Dollar Lending$5,500
Neighborhoodworks Southern ColoradoPueblo, CO501c3Small Dollar Lending$5,500
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Related Organization$137,169
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 7B

“Credit builders alliance who is the member of cba fund approves governance decisions of cba fund.”

Form 990, Page 6, Part VI, Line 11B

“The executive director and the chief financial officer review the 990 tax return upon receipt from the preparers. The finance committee of the board also reviews the return. All questions and issues are answered and resolved and any appropriate corrections are made to the return. Once this process is complete, a copy of the 990 is forwarded to the full board of directors prior to filing the return.”

Form 990, Page 6, Part VI, Line 12C

“The organization annually reviews the conflict of interest policy with the board of directors and management. The organization requires disclosure of any interests that may present a conflict of interest.”

Form 990, Page 6, Part VI, Line 19

“These policies and documents are provided upon request.”

Filing and Contact Details

Filer

Filer Name
Cba Fund
EIN
82-4272195
Phone
2027309390
Address
1701 K STREET NW STE 1000, WASHINGTON, DC 20006

Signing Officer

Name
Dara Duguay
Title
Executive Director
Phone
2027309390
Signed
2025-07-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dara Duguay
Formed
2018
Legal Domicile
Dc
Voting Board Members
13
Independent Board Members
13
Employees
0
Volunteers
15

Preparer

Firm
Kendall Prebola and Jones LLC
Address
PO BOX 259, BEDFORD, PA 15522-0259
Preparer
Robert F Prebola CPA
Phone
8146231880
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Cba fund is a nonprofit corporation established under the laws of the district of columbia, formed and operated for the purpose of expanding the capicity of nonprofits that provide safe and affordable small dollar consumer loans and credit building products to low and moderate income individuals.”

Form 990

“Salaries and other compensation reported on this return were paid by credit builders alliance as disclosed on schedule r. Therefore the number of individuals employed is listed as none on this return.”

Form 990, Page 1, Part I, Line 6

“Volunteers consist of individuals who served on the board during the year.”

Form 990, Part IX, Line 11G

“Consulting fees 47,114 51,075 0”

Financial Statement Notes

Schedule D, Page 3, Part X

“Accounting principles generally accepted in the united states of america provide consistent guidance for the accounting for uncertainty in income taxes recognized in the organizations' financial statements and prescribe a threshold of "more likely than not" for recognition of tax positions taken or expected to be taken in a tax return. The credit builders alliance and cba fund performed an evaluation of uncertain tax positions for the year ended december 31, 2024, and determined that there were no matters that would require recognition in the financial statements or that may have any effect on its tax-exempt status. As of december 31, 2024, the statute of limitations for tax years 2021 through 2023 remains open with the u.s. Federal jurisdiction or the various states and local jurisdictions in which the organizations file tax returns. It is the organizations' policy to recognize interest and/or penalties related to uncertain tax positions, if any, in income tax expense. As of december 31, 2024, the organizations had no accruals for interest and/or penalties.”

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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA PROVIDE CONSISTENT GUIDANCE FOR THE ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES RECOGNIZED IN THE ORGANIZATIONS' FINANCIAL STATEMENTS AND PRESCRIBE A THRESHOLD OF "MORE LIKELY THAN NOT" FOR RECOGNITION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE CREDIT BUILDERS ALLIANCE AND CBA FUND PERFORMED AN EVALUATION OF UNCERTAIN TAX POSITIONS FOR THE YEAR ENDED DECEMBER 31, 2024, AND DETERMINED THAT THERE WERE NO MATTERS THAT WOULD REQUIRE RECOGNITION IN THE FINANCIAL STATEMENTS OR THAT MAY HAVE ANY EFFECT ON ITS TAX-EXEMPT STATUS. AS OF DECEMBER 31, 2024, THE STATUTE OF LIMITATIONS FOR TAX YEARS 2021 THROUGH 2023 REMAINS OPEN WITH THE U.S. FEDERAL JURISDICTION OR THE VARIOUS STATES AND LOCAL JURISDICTIONS IN WHICH THE ORGANIZATIONS FILE TAX RETURNS. IT IS THE ORGANIZATIONS' POLICY TO RECOGNIZE INTEREST AND/OR PENALTIES RELATED TO UNCERTAIN TAX POSITIONS, IF ANY, IN INCOME TAX EXPENSE. AS OF DECEMBER 31, 2024, THE ORGANIZATIONS HAD NO ACCRUALS FOR INTEREST AND/OR PENALTIES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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