Civic Intelligence

Community Credit Lab

EIN 84-1899948 • 501(c)3 • Seattle, WA

Pub. 78 Eligible

Profile

To support equitable access to economic opportunities for immigrants, refugees, low-income, marginalized, and underserved communities in king county and the united states.

450 Alaskan Way South 200Seattle, WA 98104-2785

www.communitycreditlab.org

Siviq Scores

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

Liabilities / Assets

68th percentile

0.31x

Higher debt load relative to assets than 68% of similar nonprofits.

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

Liabilities / Revenue

93rd percentile

3.11x

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

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

Net Margin

99th percentile

100%

Higher net margin than 99% 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

75th percentile

16%

Faster asset growth than 75% of similar nonprofits.

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

Revenue Growth

96th percentile

194%

Faster revenue growth than 96% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$8,960,354

Up $1,242,005 (+16%) from 2023

Liabilities

Up

$2,764,094

Up $357,919 (+15%) from 2023

Net Assets

Up

$6,196,260

Up $884,086 (+17%) from 2023

Operations
Liabilities / Revenue93rd percentileNet Margin99th percentile

Revenue

Up

$887,481

Up $585,711 (+194%) from 2023

Expenses

Down

$3,395

Down $663,746 (-99%) from 2023

Net Income

Up

$884,086

Up $1,249,457 (+342%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth75th percentile

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

$10M$5.0M$0Assets 2019: $206,593Liabilities 2019: $5,000Net Assets 2019: $201,5932019Assets 2020: $762,061Liabilities 2020: $443,036Net Assets 2020: $319,0252020Assets 2021: $1,878,981Liabilities 2021: $1,334,127Net Assets 2021: $544,8542021Assets 2022: $7,169,714Liabilities 2022: $1,644,667Net Assets 2022: $5,525,0472022Assets 2023: $7,718,349Liabilities 2023: $2,406,175Net Assets 2023: $5,312,1742023Assets 2024: $8,960,354Liabilities 2024: $2,764,094Net Assets 2024: $6,196,2602024

Highlighted filing

2024

Assets$8,960,354
Liabilities$2,764,094
Net Assets$6,196,260
Open 2024 Filing

Operations Trend

Revenue Growth96th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2019: $202,155Expenses 2019: $562Net Income 2019: $201,5932019Revenue 2020: $301,878Expenses 2020: $184,446Net Income 2020: $117,4322020Revenue 2021: $538,305Expenses 2021: $312,476Net Income 2021: $225,8292021Revenue 2022: $4,631,133Expenses 2022: $110,655Net Income 2022: $4,520,4782022Revenue 2023: $301,770Expenses 2023: $667,141Net Income 2023: -$365,3712023Revenue 2024: $887,481Expenses 2024: $3,395Net Income 2024: $884,0862024

Highlighted filing

2024

Revenue$887,481
Expenses$3,395
Net Income$884,086
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$8,960,354
Liabilities
$2,764,094
Net assets
$6,196,260
Revenue
$887,481
Expenses
$3,395
Net income
$884,086
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$8.96$2.76$6.20$0.89$0.00$0.88
2023Detailed filing. Detailed filing data is available for this year.$7.72$2.41$5.31$0.30$0.67$0.37
2022Detailed filing. Detailed filing data is available for this year.$7.17$1.64$5.53$4.63$0.11$4.52
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.88$1.33$0.54$0.54$0.31$0.23
2020Detailed filing. Detailed filing data is available for this year.$0.76$0.44$0.32$0.30$0.18$0.12
2019Summary only. Only limited summary data is available for this year.$0.21$0.01$0.20$0.20$0.00$0.20
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 11, 2025
Return Version
2024v5.2
Gross Receipts
$887,481
Mission and Program Overview

Mission

To support equitable access to economic opportunities for immigrants, refugees, low-income, marginalized, and underserved communities in king county and the united states.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$4,683,856$5,302,481▲ $618,625
Other Notes and Loans Receivable, Net$2,760,381$3,406,574▲ $646,193
Accounts Receivable$272,812$0▼ $272,812
Pledges and Grants Receivable$0$250,000▲ $250,000
Prepaid Expenses and Deferred Charges$1,300$1,299▼ $1
Total Assets$7,718,349$8,960,354▲ $1,242,005
Liabilities
Unsecured Notes Loans Payable$2,406,175$2,764,094▲ $357,919
Total Liabilities$2,406,175$2,764,094▲ $357,919
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,630,458$3,669,545▲ $1,039,087
Net Assets With Donor Restrictions$2,681,716$2,526,715▼ $155,001
Total Net Assets Fund Balance$5,312,174$6,196,260▲ $884,086
Total Liabilities and Net Assets / Fund Balance$7,718,349$8,960,354▲ $1,242,005
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Sandhya NakhasiDirector and President
Jessica FeingoldDirector and Vice President
Jennifer NjugunaDirector
Victoria MonteiroSecretary
Tyra EdmondTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$689,645
Program Service Revenue
$0
Investment Income
$85,628
Other Revenue
$112,208
All Other Contributions
$689,645
Change in Net Assets
$884,086
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,395
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
Office Expenses$2,962--$2,962
Other Expenses$433--$433
Total Functional Expenses$3,395$0$0$3,395
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
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Common future is the sole member of community credit lab.”

Form 990, Part VI, Section A, Line 7A

“All of the board directors of ccl shall be appointed by the sole member, common future.”

Form 990, Part VI, Section B, Line 11B

“Copy of the return is given to the board for review prior to filing.”

Form 990, Part VI, Section B, Line 12C

“Conflict of interest policy is reviewed annually by the board. Upon electing a new board member, a copy of the policy is given to the new member.”

Form 990, Part VI, Section B, Line 15

“The ceo/top management official of community credit lab is the same as common future. There are no separate officers. Ccl does not directly hire or compensate employees. All employees are employees of common future, a related organization. The common future board of directors oversees the hiring and salary of the ceo using comparability data and review and approved by independent persons. The ceo, coo, and vp of people operations hires and approves the salary of all staff using comparability data and other market compensation resources.”

Form 990, Part VI, Section C, Line 19

“The documents are available upon request, on candid & guidestar's website, and on the related organization's website.”

Filing and Contact Details

Filer

Filer Name
Community Credit Lab
EIN
84-1899948
Phone
2536930009
Address
450 ALASKAN WAY SOUTH 200, SEATTLE, WA 98104-2785

Signing Officer

Name
Sandhya Nakhasi
Title
President
Phone
2536930009
Signed
2025-11-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandhya Nakhasi
Formed
2019
Legal Domicile
Wa
Voting Board Members
5
Independent Board Members
0
Employees
0
Volunteers
0

Preparer

Firm
Cbiz Advisors LLC
Address
1899 L STREET NW 850, WASHINGTON, DC 20036
Preparer
Aaron M Fox
Phone
2022274000
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The process has not changed from prior year.”

Financial Statement Notes

PART X, LINE 2:

“The organization follows the authoritative guidance relating to accounting for uncertainty in income taxes included in fasb codification topic 740, income taxes. These provisions provide consistent guidance for the accounting for uncertainty in income taxes recognized in an entity's financial statements and prescribe a threshold of "more likely than not" for recognition and derecognition of tax positions taken or expected to be taken in a tax return. The organization performed an evaluation of uncertainty in income taxes for the year ended december 31, 2024, and determined that there were no matters that would require recognition in the consolidated financial statements or that may have any effect on its tax-exempt status.”

Raw XML AppendixShowing 400 of 465 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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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION FOLLOWS THE AUTHORITATIVE GUIDANCE RELATING TO ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES INCLUDED IN FASB CODIFICATION TOPIC 740, INCOME TAXES. THESE PROVISIONS PROVIDE CONSISTENT GUIDANCE FOR THE ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES RECOGNIZED IN AN ENTITY'S FINANCIAL STATEMENTS AND PRESCRIBE A THRESHOLD OF "MORE LIKELY THAN NOT" FOR RECOGNITION AND DERECOGNITION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE ORGANIZATION PERFORMED AN EVALUATION OF UNCERTAINTY IN INCOME TAXES FOR THE YEAR ENDED DECEMBER 31, 2024, AND DETERMINED THAT THERE WERE NO MATTERS THAT WOULD REQUIRE RECOGNITION IN THE CONSOLIDATED FINANCIAL STATEMENTS OR THAT MAY HAVE ANY EFFECT ON ITS TAX-EXEMPT STATUS.
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IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount40
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt4138209
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt48848
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt40
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt48313
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JESSICA FEINGOLD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1SANDHYA NAKHASI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2JENNIFER NJUGUNA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3TYRA EDMOND
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4VICTORIA MONTEIRO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0DIRECTOR AND VICE PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1DIRECTOR AND PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3TREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4SECRETARY
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt2218333
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt3172209
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt4155370
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0NO COMPENSATION IS PAID FROM THE ORGANIZATION BUT PAID FROM RELATED ORGANIZATION.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0COMMON FUTURE IS THE SOLE MEMBER OF COMMUNITY CREDIT LAB.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL OF THE BOARD DIRECTORS OF CCL SHALL BE APPOINTED BY THE SOLE MEMBER, COMMON FUTURE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2COPY OF THE RETURN IS GIVEN TO THE BOARD FOR REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY BY THE BOARD. UPON ELECTING A NEW BOARD MEMBER, A COPY OF THE POLICY IS GIVEN TO THE NEW MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CEO/TOP MANAGEMENT OFFICIAL OF COMMUNITY CREDIT LAB IS THE SAME AS COMMON FUTURE. THERE ARE NO SEPARATE OFFICERS. CCL DOES NOT DIRECTLY HIRE OR COMPENSATE EMPLOYEES. ALL EMPLOYEES ARE EMPLOYEES OF COMMON FUTURE, A RELATED ORGANIZATION. THE COMMON FUTURE BOARD OF DIRECTORS OVERSEES THE HIRING AND SALARY OF THE CEO USING COMPARABILITY DATA AND REVIEW AND APPROVED BY INDEPENDENT PERSONS. THE CEO, COO, AND VP OF PEOPLE OPERATIONS HIRES AND APPROVES THE SALARY OF ALL STAFF USING COMPARABILITY DATA AND OTHER MARKET COMPENSATION RESOURCES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE DOCUMENTS ARE AVAILABLE UPON REQUEST, ON CANDID & GUIDESTAR'S WEBSITE, AND ON THE RELATED ORGANIZATION'S WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE PROCESS HAS NOT CHANGED FROM PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XII, LINE 2C:
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0COMMON FUTURE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0201544255
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)(3)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0CA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0COMMUNITY IMPROVEMENT
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0LINE 7
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt02323 BROADWAY
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0OAKLAND
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0CA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd094612
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd01
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd01
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0WA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt07718349
IRS990/TotalAssetsEOYAmt08960354
IRS990/TotalAssetsGrp/BOYAmt07718349
IRS990/TotalAssetsGrp/EOYAmt08960354
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalContributionsAmt0689645
IRS990/TotalEmployeeCnt00

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