Civic Intelligence

The Credit Roundtable Association

990 • Fiscal year 2025 • EIN 83-4087373

Jan 01, 2025 to Dec 31, 2025 • Filed on Apr 15, 2026

Organization Profilethecreditroundtable.org
c/o TAM LLC 2490 Black Rock Tpke 31Fairfield, CT 06825

(914) 332-0040

Siviq Scores

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

Liabilities / Assets

61st percentile

0.07x

Higher debt load relative to assets than 61% of similar nonprofits.

2025 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2025

Liabilities / Revenue

73rd percentile

0.17x

Higher debt load relative to revenue than 73% of similar nonprofits.

2025 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2025

Net Margin

30th percentile

-1.6%

Higher net margin than 30% of similar nonprofits.

2025 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2025

Top Officer Pay

53rd percentile

$0

Higher top officer pay than 53% of similar nonprofits.

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

2025 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2025

Asset Growth

32nd percentile

-0.6%

Faster asset growth than 32% of similar nonprofits.

2025 filings • 501(c)6 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Revenue Growth

49th percentile

4.1%

Faster revenue growth than 49% of similar nonprofits.

2025 filings • 501(c)6 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets61st percentile

Assets

Down

$547,491

Down $3,453 (-0.6%) from 2024

Net Assets

Down

$509,574

Down $3,453 (-0.7%) from 2024

Liabilities

Flat

$37,917

Flat from 2024

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin30th percentile

Revenue

Up

$221,524

Up $8,783 (+4.1%) from 2024

Expenses

Up

$224,977

Up $38,534 (+21%) from 2024

Net Income

Down

-$3,453

Down $29,751 (-113%) from 2024

Historical Trend

Balance Sheet Trend

Asset Growth32nd percentile

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

$600K$400K$200K$0Assets 2019: $209,772Liabilities 2019: $29,7922019Assets 2020: $315,509Liabilities 2020: $32,500Net Assets 2020: $283,0092020Assets 2021: $384,629Liabilities 2021: $37,917Net Assets 2021: $346,7122021Assets 2022: $462,319Liabilities 2022: $32,892Net Assets 2022: $429,4272022Assets 2023: $524,646Liabilities 2023: $37,917Net Assets 2023: $486,7292023Assets 2024: $550,944Liabilities 2024: $37,917Net Assets 2024: $513,0272024Assets 2025: $547,491Liabilities 2025: $37,917Net Assets 2025: $509,5742025

Highlighted filing

2025

Assets$547,491
Liabilities$37,917
Net Assets$509,574
Open 2025 Filing

Operations Trend

Revenue Growth49th percentile

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

$300K$200K$100K$0-$100KRevenue 2019: $167,208Expenses 2019: $208,494Net Income 2019: -$41,2862019Revenue 2020: $162,593Expenses 2020: $100,116Net Income 2020: $62,4772020Revenue 2021: $184,685Expenses 2021: $120,982Net Income 2021: $63,7032021Revenue 2022: $215,073Expenses 2022: $132,358Net Income 2022: $82,7152022Revenue 2023: $210,897Expenses 2023: $153,595Net Income 2023: $57,3022023Revenue 2024: $212,741Expenses 2024: $186,443Net Income 2024: $26,2982024Revenue 2025: $221,524Expenses 2025: $224,977Net Income 2025: -$3,4532025

Highlighted filing

2025

Revenue$221,524
Expenses$224,977
Net Income-$3,453
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Apr 15, 2026
Return Version
2025v4.1
Gross Receipts
$221,524
Mission and Program Overview

Mission

The Credit Roundtable Association (CRT) is a membership organization committed to enhancing bondholder protections through education, outreach and advocacy. CRT shall be devoted to the improvement of general business conditions in the institutional bond market including, among others:1)educating investors, issuers, underwriters, regulators, and other market participants to the value of bondholder covenant protections and advocating for the inclusion, standardization, and preservation of covenant protections in bond indentures,2)identifying enhancements to, advocating for the implementation of improvements to the new issue bond underwriting and distribution process,3)implementing enhancements to the bond tender/exchange and consent process,4)promulgating improvements in disclosure and transparency,5)pursuing any lawful act or activity and, exercising any powers afforded to nonprofit, nonstock corporations in the State of DE, in furtherance of its above-stated mission.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$508,927$518,441▲ $9,514
Rtn Earn Endowment Incm Other Fnds$513,027$509,574▼ $3,453
Cash and Non-Interest-Bearing Accounts$36,072$29,050▼ $7,022
Prepaid Expenses and Deferred Charges$5,945$0▼ $5,945
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-
Total Assets$550,944$547,491▼ $3,453
Other Assets Total-$0-
Liabilities
Other Liabilities$37,917$37,917→ $0
Total Liabilities$37,917$37,917→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$513,027$509,574▼ $3,453
Total Liabilities and Net Assets / Fund Balance$550,944$547,491▼ $3,453
Compensation and Service Providers
Top Officer Pay53rd percentile

Board Members and Trustees

NameTitle
Anthony BrekkeCo Vice-Chair
Omar SandersCo Vice-Chair
Chris GootkindBoard Member
Chris MalfantBoard Member
Christopher ColamarinoBoard Member
David GoldBoard Member
Gabe CrumpBoard Member
Jennifer RowlandBoard Member
Spencer GodfreyBoard Member
Mark KremerSecretary
Christi KubiakTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$219,980
Investment Income
$1,544
Other Revenue
$0
Change in Net Assets
$-3,453
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$224,977
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management$65,811$7,312-$73,123
Fees for Services Legal-$13,612-$13,612
Fees for Services Accounting-$3,051-$3,051
Insurance$2,582$287-$2,869
All Other Expenses$1,686$537-$2,223
Other Expenses$1,657$442-$1,657
Total Functional Expenses$199,736$25,241$0$224,977
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
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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deferred Membership Revenue$37,917
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
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

“No review was or will be conducted.”

Form 990, Part VI, Section C, Line 19

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
The Credit Roundtable Association
EIN
83-4087373
Phone
9143320040
Address
c/o TAM LLC 2490 Black Rock Tpke 31, Fairfield, CT 06825

Signing Officer

Name
Christi Kubiak
Title
Treasurer
Signed
2026-04-15
Discuss with paid preparer
Yes

Organization Details

Legal Domicile
Ny
Voting Board Members
44
Independent Board Members
44
Employees
0

Preparer

Firm
FT Kleiger & Company
Address
60 Cuttermill Road Ste 312, Great Neck, NY 11021
Preparer
Matthew Kleiger
Phone
5164826166
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0219980
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0219980
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt022741
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0186443
IRS990/PYProgramServiceRevenueAmt0190000
IRS990/PYRevenuesLessExpensesAmt026298
IRS990/PYTotalExpensesAmt0186443
IRS990/PYTotalRevenueAmt0212741
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-3453
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0219980
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0513027
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0509574
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0508927
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0518441
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt037917
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Deferred Membership Revenue
IRS990ScheduleD/TotalLiabilityAmt037917
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0No review was or will be conducted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0550944
IRS990/TotalAssetsEOYAmt0547491
IRS990/TotalAssetsGrp/BOYAmt0550944
IRS990/TotalAssetsGrp/EOYAmt0547491
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt025241
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0199736
IRS990/TotalFunctionalExpensesGrp/TotalAmt0224977
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt037917
IRS990/TotalLiabilitiesEOYAmt037917
IRS990/TotalLiabilitiesGrp/BOYAmt037917
IRS990/TotalLiabilitiesGrp/EOYAmt037917
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0513027
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0509574
IRS990/TotalProgramServiceExpensesAmt0199736
IRS990/TotalProgramServiceRevenueAmt0219980
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0221524
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0221524
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0550944
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0547491
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt0c/o TAM LLC 2490 Black Rock Tpke 31
IRS990/USAddress/CityNm0Fairfield
IRS990/USAddress/StateAbbreviationCd0CT
IRS990/USAddress/ZIPCd006825
IRS990/VotingMembersGoverningBodyCnt044
IRS990/VotingMembersIndependentCnt044
IRS990/WebsiteAddressTxt0thecreditroundtable.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Christi Kubiak
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-04-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0The Credit Roundtable Association
ReturnHeader/Filer/BusinessNameControlTxt0CRED
ReturnHeader/Filer/EIN0834087373
ReturnHeader/Filer/PhoneNum09143320040
ReturnHeader/Filer/USAddress/AddressLine1Txt0c/o TAM LLC 2490 Black Rock Tpke 31
ReturnHeader/Filer/USAddress/CityNm0Fairfield
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CT
ReturnHeader/Filer/USAddress/ZIPCd006825
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0135523540
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FT Kleiger & Company
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt060 Cuttermill Road Ste 312
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Great Neck
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd011021
ReturnHeader/PreparerPersonGrp/PhoneNum05164826166
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Matthew Kleiger
ReturnHeader/ReturnTs02026-04-15T10:23:51-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

Document Assets

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Filings

Displayed year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$547,491
Liabilities
$37,917
Net assets
$509,574
Revenue
$221,524
Expenses
$224,977
Net income
-$3,453
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$5.47$0.38$5.10$2.22$2.25$0.03
2024Detailed filing. Detailed filing data is available for this year.$5.51$0.38$5.13$2.13$1.86$0.26
2023Detailed filing. Detailed filing data is available for this year.$5.25$0.38$4.87$2.11$1.54$0.57
2022Detailed filing. Detailed filing data is available for this year.$4.62$0.33$4.29$2.15$1.32$0.83
2021Detailed filing. Detailed filing data is available for this year.$3.85$0.38$3.47$1.85$1.21$0.64
2020Detailed filing. Detailed filing data is available for this year.$3.16$0.33$2.83$1.63$1.00$0.62
2019Summary only. Only limited summary data is available for this year.$2.10$0.30$1.67$2.08$0.41