Civic Intelligence

Cba Fund

990 • Fiscal year 2019 • EIN 82-4272195

Jan 01, 2019 to Dec 31, 2019 • Filed on Aug 30, 2020

Organization ProfileWWW.CREDITBUILDERSALLIANCE.ORG
1701 K Street NW Ste 1000Washington, DC 20006

(202) 730-9390

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.80x

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

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

Liabilities / Revenue

95th percentile

0.99x

Higher debt load relative to revenue than 95% of similar nonprofits.

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

Net Margin

82nd percentile

27%

Higher net margin than 82% of similar nonprofits.

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

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

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

Asset Growth

Score unavailable

No value available

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

Source year 2019

Revenue Growth

Score unavailable

No value available

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

Source year 2019

Balance Sheet
Liabilities / Assets93rd percentile

Assets

$259,728

No earlier filing loaded for comparison.

Net Assets

$52,132

No earlier filing loaded for comparison.

Liabilities

$207,596

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / Revenue95th percentileNet Margin82nd percentile

Revenue

$209,599

No earlier filing loaded for comparison.

Expenses

$152,513

No earlier filing loaded for comparison.

Net Income

$57,086

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.

$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

2019

Assets$259,728
Liabilities$207,596
Net Assets$52,132
Open 2019 Filing

Operations Trend

Revenue GrowthScore unavailable

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

2019

Revenue$209,599
Expenses$152,513
Net Income$57,086
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Aug 30, 2020
Return Version
2019v5.0
Gross Receipts
$209,599
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$28,500$204,250▲ $175,750
Savings and Temporary Cash Investments$15,810$38,005▲ $22,195
Accounts Receivable$26,259--
Pledges and Grants Receivable-$10,500-
Cash and Non-Interest-Bearing Accounts$2,051$6,105▲ $4,054
Prepaid Expenses and Deferred Charges-$868-
Total Assets$72,620$259,728▲ $187,108
Liabilities
Unsecured Notes Loans Payable$48,317$116,513▲ $68,196
Other Liabilities$29,148$71,367▲ $42,219
Deferred Revenue-$19,620-
Accounts Payable and Accrued Expenses$109$96▼ $13
Total Liabilities$77,574$207,596▲ $130,022
Net Assets / Fund Balance
Net Assets With Donor Restrictions-$40,000-
Net Assets Without Donor Restrictions$-4,954$12,132▲ $17,086
Total Net Assets Fund Balance$-4,954$52,132▲ $57,086
Total Liabilities and Net Assets / Fund Balance$72,620$259,728▲ $187,108
Compensation and Service Providers
Top Officer Pay77th percentile

Board Members and Trustees

NameTitle
Karen DabsonChair
Donovan DuncanDirector
Jack BrummelDirector
Kristin SchellDirector
Laura FisherDirector
Patrick WalkerDirector
Dara DuguayExecutive Di
Jeanne HogarthSecretary
Andrew PosnerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$207,551
Program Service Revenue
$1,700
Investment Income
$348
Other Revenue
$0
All Other Contributions
$136,493
Change in Net Assets
$57,086

Audited Revenue Reconciliation

Revenue per Audited Statements
$209,599
Total Revenue per Audited Statements
$209,599
Total Revenue per Form 990
$209,599
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$91,068
Other Expenses$61,445
Total Fundraising Expense$534
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$44,710$34,154-$78,864
Fees for Services Other$19,895$9,511$6$29,412
Occupancy$6,453$759$380$7,592
Payroll Taxes$2,055$4,335-$6,390
Other Employee Benefits$1,362$2,872-$4,234
Information Technology$2,136$192$96$2,424
Travel$2,061--$2,061
Fees for Services Accounting-$2,000-$2,000
Insurance-$1,910-$1,910
Pension Plan Contributions$508$1,072-$1,580
Office Expenses$1,123$110$52$1,285
Interest-$786-$786
Other Expenses$330$4,305-$330
Fees for Services Legal-$90-$90
Total Functional Expenses$89,883$62,096$534$152,513

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$152,513
Total Expenses per Audited Statements$152,513
Total Expenses per Form 990$152,513
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$71,367
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“The executive director and the finance manager review the 990 tax return upon receipt form 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
2020-08-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dara Duguay
Formed
2018
Legal Domicile
Dc
Voting Board Members
8
Independent Board Members
8
Employees
0

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, Part IX, Line 11G

“Consulting fees 19,895 9,511 6”

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 organization's 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 organization performed an evaluation of uncertain tax positions for the year ended december 31, 2019, 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, 2019, the statute of limitations for tax years 2016 through 2018 remains open with the u.s. Federal jurisdiction or the various states and local jurisdictions in which the organization files tax returns. It is the organization's policy to recognize interest and/or penalties related to uncertain tax positions, if any, in income tax expense. As of december 31, 2019, the organization 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 ORGANIZATION'S 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 ORGANIZATION PERFORMED AN EVALUATION OF UNCERTAIN TAX POSITIONS FOR THE YEAR ENDED DECEMBER 31, 2019, 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, 2019, THE STATUTE OF LIMITATIONS FOR TAX YEARS 2016 THROUGH 2018 REMAINS OPEN WITH THE U.S. FEDERAL JURISDICTION OR THE VARIOUS STATES AND LOCAL JURISDICTIONS IN WHICH THE ORGANIZATION FILES TAX RETURNS. IT IS THE ORGANIZATION'S POLICY TO RECOGNIZE INTEREST AND/OR PENALTIES RELATED TO UNCERTAIN TAX POSITIONS, IF ANY, IN INCOME TAX EXPENSE. AS OF DECEMBER 31, 2019, THE ORGANIZATION HAD NO ACCRUALS FOR INTEREST AND/OR PENALTIES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CBA 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SALARIES 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE EXECUTIVE DIRECTOR AND THE FINANCE MANAGER REVIEW THE 990 TAX RETURN UPON RECEIPT FORM 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THESE POLICIES AND DOCUMENTS ARE PROVIDED UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CONSULTING FEES 19,895 9,511 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART IX, LINE 11G
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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$259,728
Liabilities
$207,596
Net assets
$52,132
Revenue
$209,599
Expenses
$152,513
Net income
$57,086
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