Civic Intelligence

The Credit Roundtable Association

EIN 83-4087373 • 501(c)6 • Fairfield, CT

Profile

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 institurional 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.

c/o TAM LLC 2490 Black Rock Tpke 31Fairfield, CT 06825

thecreditroundtable.org

Siviq Scores

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

Liabilities / Assets

55th percentile

0.07x

Higher debt load relative to assets than 55% of similar nonprofits.

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

Liabilities / Revenue

69th percentile

0.17x

Higher debt load relative to revenue than 69% of similar nonprofits.

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

Net Margin

33rd percentile

-1.6%

Higher net margin than 33% of similar nonprofits.

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

Top Officer Pay

49th percentile

$0

Higher top officer pay than 49% of similar nonprofits.

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

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

Asset Growth

37th percentile

-0.6%

Faster asset growth than 37% of similar nonprofits.

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

Revenue Growth

48th percentile

4.1%

Faster revenue growth than 48% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$550,944

Up $26,298 (+5.0%) from 2023

Liabilities

Flat

$37,917

Flat from 2023

Net Assets

Up

$513,027

Up $26,298 (+5.4%) from 2023

Operations
Liabilities / Revenue69th percentileNet Margin33rd percentile

Revenue

Up

$212,741

Up $1,844 (+0.9%) from 2023

Expenses

Up

$186,443

Up $32,848 (+21%) from 2023

Net Income

Down

$26,298

Down $31,004 (-54%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth37th percentile

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

$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: $513,0272024

Highlighted filing

2024

Assets$550,944
Liabilities$37,917
Net Assets$513,027
Open 2024 Filing

Operations Trend

Revenue Growth48th percentile

Revenue, expenses, and net income by year, with the latest 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: $26,2982024

Highlighted filing

2024

Revenue$212,741
Expenses$186,443
Net Income$26,298
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$550,944
Liabilities
$37,917
Net assets
$513,027
Revenue
$212,741
Expenses
$186,443
Net income
$26,298
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
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
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 29, 2025
Return Version
2024v5.1
Gross Receipts
$212,741
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
Rtn Earn Endowment Incm Other Fnds$486,729$513,027▲ $26,298
Savings and Temporary Cash Investments$499,186$508,927▲ $9,741
Cash and Non-Interest-Bearing Accounts$25,460$36,072▲ $10,612
Prepaid Expenses and Deferred Charges-$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$524,646$550,944▲ $26,298
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$486,729$513,027▲ $26,298
Total Liabilities and Net Assets / Fund Balance$524,646$550,944▲ $26,298
Compensation and Service Providers
Top Officer Pay49th percentile

Board Members and Trustees

NameTitle
Anthony BrekkeCo-Chair
Omar SandersCo-Chair
Chris GootkindOutgoing Chair
Chris MalfantBoard Member
Christi KubiakBoard Member
David GoldBoard Member
Gabe CrumpBoard Member
Jennifer RowlandBoard Member
Lou ZahorakBoard Member
Spencer GodfreyBoard Member
Marc KremerSecretary
David PaduloTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$190,000
Investment Income
$22,741
Other Revenue
$0
Change in Net Assets
$26,298
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$186,443
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$64,206$7,134-$71,340
All Other Expenses$4,957$327-$5,284
Other Expenses$3,697$410-$4,107
Insurance$2,696$300-$2,996
Fees for Services Accounting-$2,886-$2,886
Fees for Services Legal-$2,438-$2,438
Total Functional Expenses$172,948$13,495$0$186,443
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
David Padulo
Title
Treasurer
Signed
2025-03-29
Discuss with paid preparer
Yes

Organization Details

Legal Domicile
Ny
Voting Board Members
39
Independent Board Members
0
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/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt00
IRS990/OfficeExpensesGrp/TotalAmt00
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IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
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IRS990/OtherExpensesGrp/Desc1Spring meeting expenses
IRS990/OtherExpensesGrp/Desc2Consultancy fee
IRS990/OtherExpensesGrp/Desc3Website & software platform
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0410
IRS990/OtherExpensesGrp/ProgramServicesAmt039246
IRS990/OtherExpensesGrp/ProgramServicesAmt133326
IRS990/OtherExpensesGrp/ProgramServicesAmt224820
IRS990/OtherExpensesGrp/ProgramServicesAmt33697
IRS990/OtherExpensesGrp/TotalAmt039246
IRS990/OtherExpensesGrp/TotalAmt133326
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt05945
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IRS990/ReconcilationRevenueExpnssAmt026298
IRS990/RelatedEntityInd0false
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IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
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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
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IRS990/SubjectToProxyTaxInd0false
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IRS990/TotalFunctionalExpensesGrp/TotalAmt0186443
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IRS990/TotalLiabilitiesEOYAmt037917
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IRS990/TotalLiabilitiesGrp/EOYAmt037917
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0212741
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0524646
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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/VotingMembersGoverningBodyCnt039
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0thecreditroundtable.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0David Padulo
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-03-29
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/IRSResponsiblePrtyInfoCurrInd0true
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/ReturnTs02025-03-29T06:37:50-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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