Civic Intelligence

Community Credit Lab

990 • Fiscal year 2020 • EIN 84-1899948

Oct 01, 2019 to Sep 30, 2020 • Filed on Jan 14, 2021

Organization Profilewww.communitycreditlab.org
450 Alaskan Way South Suite 200Seattle, WA 98104

(253) 693-0009

Siviq Scores

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

Liabilities / Assets

86th percentile

0.58x

Higher debt load relative to assets than 86% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Liabilities / Revenue

92nd percentile

1.47x

Higher debt load relative to revenue than 92% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Net Margin

85th percentile

39%

Higher net margin than 85% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Top Officer Pay

56th percentile

$17,500

Higher top officer pay than 56% of similar nonprofits.

Top officer pay equals 5.8% of source-year revenue.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2020

Asset Growth

96th percentile

269%

Faster asset growth than 96% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2019 to 2020

Revenue Growth

86th percentile

49%

Faster revenue growth than 86% of similar nonprofits.

2020 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$762,061

Up $555,468 (+269%) from 2019

Net Assets

Up

$319,025

Up $117,432 (+58%) from 2019

Liabilities

Up

$443,036

Up $438,036 (+8761%) from 2019

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin85th percentile

Revenue

Up

$301,878

Up $99,723 (+49%) from 2019

Expenses

Up

$184,446

Up $183,884 (+32720%) from 2019

Net Income

Down

$117,432

Down $84,161 (-42%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth96th percentile

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

$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

2020

Assets$762,061
Liabilities$443,036
Net Assets$319,025
Open 2020 Filing

Operations Trend

Revenue Growth86th percentile

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

2020

Revenue$301,878
Expenses$184,446
Net Income$117,432
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2019 to Sep 30, 2020
Signed
Jan 14, 2021
Return Version
2019v5.0
Gross Receipts
$301,878
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
Savings and Temporary Cash Investments-$367,731-
Other Notes and Loans Receivable, Net$50,000$242,017▲ $192,017
Cash and Non-Interest-Bearing Accounts$156,593$147,545▼ $9,048
Loans From Officers Directors-$5,000-
Prepaid Expenses and Deferred Charges-$4,268-
Accounts Receivable-$500-
Total Assets$206,593$762,061▲ $555,468
Liabilities
Unsecured Notes Loans Payable$5,000$432,954▲ $427,954
Accounts Payable and Accrued Expenses-$5,082-
Total Liabilities$5,000$443,036▲ $438,036
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$201,593$244,025▲ $42,432
Net Assets With Donor Restrictions$0$75,000▲ $75,000
Total Net Assets Fund Balance$201,593$319,025▲ $117,432
Total Liabilities and Net Assets / Fund Balance$206,593$762,061▲ $555,468
Compensation and Service Providers
Top Officer Pay56th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Ryan GlasgoVice President & SecretaryFT$17,500$17,500
Sandhya NakhasiPresident & TreasurerFT$17,500$17,500

Board Members and Trustees

NameTitle
Dion CookBoard Member
Kristin EconomoBoard Member
Kyle MyliusBoard Member
My Tam NguyenBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$300,761
Program Service Revenue
$118
Investment Income
$999
Other Revenue
$0
All Other Contributions
$300,761
Change in Net Assets
$117,432
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$165,128
Other Expenses$19,318
Total Fundraising Expense$18,445
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$105,000$21,000$14,000$140,000
Payroll Taxes$9,821$1,964$1,309$13,094
Other Employee Benefits$6,514$1,303$869$8,686
Insurance$4,970$994$663$6,627
Occupancy$4,594$919$613$6,126
Other Salaries and Wages$2,511$502$335$3,348
Fees for Services Other$2,254$451$300$3,005
Office Expenses$2,081$416$277$2,774
Advertising$298$60$40$398
Fees for Services Legal$162$32$22$216
Travel$91$18$12$121
Conferences and Meetings$38$8$5$51
Total Functional Expenses$138,334$27,667$18,445$184,446
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees-$5,000-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
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

“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

“Benchmarking and board discussion.”

Form 990, Part VI, Section C, Line 19

“The documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Community Credit Lab
EIN
84-1899948
Phone
2536930009
Address
450 Alaskan Way South Suite 200, Seattle, WA 98104

Signing Officer

Name
Ryan Glasgo
Title
Vice President & Secretary
Phone
2536930009
Signed
2021-01-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandhya Nakhasi
Formed
2019
Legal Domicile
Wa
Voting Board Members
4
Independent Board Members
3
Employees
3
Volunteers
4

Preparer

Firm
Easy Office dba Jitasa
Address
1750 W Front Street Suite 200, Boise, ID 83702
Preparer
Jeremy Cork
Phone
2082874777
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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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt02500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt12500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Sandhya Nakhasi
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Ryan Glasgo
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0President & Treasurer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Vice President & Secretary
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/TotalBalanceDueAmt05000
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Copy of the return is given to the board for review prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Conflict 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/ExplanationTxt2Benchmarking and board discussion.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The documents are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0206593
IRS990/TotalAssetsEOYAmt0762061
IRS990/TotalAssetsGrp/BOYAmt0206593
IRS990/TotalAssetsGrp/EOYAmt0762061
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0300761
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt018445
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt027667
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0138334
IRS990/TotalFunctionalExpensesGrp/TotalAmt0184446
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05000
IRS990/TotalLiabilitiesEOYAmt0443036
IRS990/TotalLiabilitiesGrp/BOYAmt05000
IRS990/TotalLiabilitiesGrp/EOYAmt0443036
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0201593
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0319025
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0138334
IRS990/TotalProgramServiceRevenueAmt0118
IRS990/TotalReportableCompFromOrgAmt035000
IRS990/TotalRevenueGrp/ExclusionAmt0999
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0118
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0301878
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt04
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0206593
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0762061
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/FundraisingAmt012
IRS990/TravelGrp/ManagementAndGeneralAmt018
IRS990/TravelGrp/ProgramServicesAmt091
IRS990/TravelGrp/TotalAmt0121
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt05000
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0432954
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0450 Alaskan Way South Suite 200
IRS990/USAddress/CityNm0Seattle
IRS990/USAddress/StateAbbreviationCd0WA
IRS990/USAddress/ZIPCd098104
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt03
IRS990/WebsiteAddressTxt0www.communitycreditlab.org
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Ryan Glasgo
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Vice President & Secretary
ReturnHeader/BusinessOfficerGrp/PhoneNum02536930009
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-01-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY CREDIT LAB
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0841899948
ReturnHeader/Filer/PhoneNum02536930009
ReturnHeader/Filer/USAddress/AddressLine1Txt0450 Alaskan Way South Suite 200
ReturnHeader/Filer/USAddress/CityNm0Seattle
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WA
ReturnHeader/Filer/USAddress/ZIPCd098104
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0262176601
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Easy Office dba Jitasa
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01750 W Front Street Suite 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Boise
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0ID
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd083702

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$762,061
Liabilities
$443,036
Net assets
$319,025
Revenue
$301,878
Expenses
$184,446
Net income
$117,432
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