Civic Intelligence

Community Credit Lab

990 • Fiscal year 2022 • EIN 84-1899948

Oct 01, 2021 to Sep 30, 2022 • Filed on Dec 09, 2022

Organization ProfileWWW.COMMUNITYCREDITLAB.ORG
450 Alaskan Way South Suite 200Seattle, WA 98104-2785

(253) 693-0009

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Up

$3,121,640

Up $1,242,659 (+66%) from 2021

Net Assets

Up

$1,004,569

Up $459,715 (+84%) from 2021

Liabilities

Up

$2,117,071

Up $782,944 (+59%) from 2021

Revenue And Expenses

Revenue

Up

$1,364,814

Up $826,509 (+154%) from 2021

Expenses

Up

$905,099

Up $592,623 (+190%) from 2021

Net Income

Up

$459,715

Up $233,886 (+104%) from 2021

Historical Trend

Balance Sheet Trend

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: $3,121,640Liabilities 2022: $2,117,071Net Assets 2022: $1,004,5692022Assets 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

2022

Assets$3,121,640
Liabilities$2,117,071
Net Assets$1,004,569
Open 2022 Filing

Operations Trend

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: $1,364,814Expenses 2022: $905,099Net Income 2022: $459,7152022Revenue 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

2022

Revenue$1,364,814
Expenses$905,099
Net Income$459,715
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2021 to Sep 30, 2022
Signed
Dec 9, 2022
Return Version
2021v4.2
Gross Receipts
$1,364,814
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
Other Notes and Loans Receivable, Net$303,204$1,393,807▲ $1,090,603
Cash and Non-Interest-Bearing Accounts$1,055,826$1,299,875▲ $244,049
Savings and Temporary Cash Investments$501,882$387,749▼ $114,133
Accounts Receivable-$23,250-
Prepaid Expenses and Deferred Charges$18,069$16,959▼ $1,110
Total Assets$1,878,981$3,121,640▲ $1,242,659
Liabilities
Unsecured Notes Loans Payable$1,330,000$2,042,225▲ $712,225
Accounts Payable and Accrued Expenses$4,127$74,846▲ $70,719
Total Liabilities$1,334,127$2,117,071▲ $782,944
Net Assets / Fund Balance
Net Assets With Donor Restrictions-$521,800-
Net Assets Without Donor Restrictions$544,854$482,769▼ $62,085
Total Net Assets Fund Balance$544,854$1,004,569▲ $459,715
Total Liabilities and Net Assets / Fund Balance$1,878,981$3,121,640▲ $1,242,659
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ryan GlasgoVice President & SecretaryFT$70,500$4,264$74,764
Sandhya NakhasiEd,president & TreasurerFT$70,500$4,264$74,764

Board Members and Trustees

NameTitle
Jordan SanchezBoard Member
Kaitlyn RichBoard Member
Kyle MyliusBoard Member
My Tam H NguyenBoard Member
Sumona PatelBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$1,278,947
Program Service Revenue
$82,870
Investment Income
$2,260
Other Revenue
$737
All Other Contributions
$1,278,947
Change in Net Assets
$459,715
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$453,888
Other Expenses$434,086
Total Fundraising Expense$100,438
Professional Fundraising Fees$17,125
Grants and Similar Amounts Paid$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$193,233$10,860$44,433$248,526
Current Officers, Directors, Trustees, and Key Employees$109,630$6,162$25,208$141,000
Office Expenses$28,350$6,263$382$34,995
Other Employee Benefits$25,159$1,467$5,917$32,543
Payroll Taxes$24,729$1,378$5,712$31,819
Fees for Services Professional Fundraising--$17,125$17,125
Occupancy-$13,083-$13,083
Travel-$9,017-$9,017
Fees for Services Accounting-$8,698-$8,698
Insurance-$6,621-$6,621
All Other Expenses$6$3,218$451$3,675
Other Expenses$7,814$1,442-$1,442
Conferences and Meetings$179$1,025-$1,204
Fees for Services Legal-$260$830$1,090
Advertising-$230$380$610
Total Functional Expenses$408,735$395,926$100,438$905,099
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
Yes

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$17,125
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
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, on candid & guidestar's website, and on the organization's website.”

Filing and Contact Details

Filer

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

Signing Officer

Name
Ryan Glasgo
Title
Treasurer
Phone
2536930009
Signed
2022-12-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandhya Nakhasi
Formed
2019
Legal Domicile
Wa
Voting Board Members
7
Independent Board Members
5
Employees
6
Volunteers
3

Preparer

Firm
Hauser Jones & Sas Pllc
Address
10940 NE 33RD PLACE SUITE 100, BELLEVUE, WA 98004
Preparer
Lindsey Sas CPA
Phone
4258891778
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24A

“Based on the acquisition agreement between community credit lab and common future, the closing condition is for community credit lab to cover the operating expenses for q4 related to community credit lab. Thus, community credit lab transferred $300k in cash to common future.”

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IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt01278948
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0467313
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0300761
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0202138
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt02249160
IRS990ScheduleA/TotalSupportAmt02254041
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleG/AgrmtProfFundraisingActyInd00
IRS990ScheduleG/EmailSolicitationsInd0X
IRS990ScheduleG/SolicitationOfGovtGrantsInd0X
IRS990/ScheduleJRequiredInd00
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, ON CANDID & GUIDESTAR'S WEBSITE, AND ON THE ORGANIZATION'S WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BASED ON THE ACQUISITION AGREEMENT BETWEEN COMMUNITY CREDIT LAB AND COMMON FUTURE, THE CLOSING CONDITION IS FOR COMMUNITY CREDIT LAB TO COVER THE OPERATING EXPENSES FOR Q4 RELATED TO COMMUNITY CREDIT LAB. THUS, COMMUNITY CREDIT LAB TRANSFERRED $300K IN CASH TO COMMON FUTURE.
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART IX, LINE 24A
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0WA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01878981
IRS990/TotalAssetsEOYAmt03121640
IRS990/TotalAssetsGrp/BOYAmt01878981
IRS990/TotalAssetsGrp/EOYAmt03121640
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt01278947
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt0100438
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0395926
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0408735
IRS990/TotalFunctionalExpensesGrp/TotalAmt0905099
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01334127
IRS990/TotalLiabilitiesEOYAmt02117071
IRS990/TotalLiabilitiesGrp/BOYAmt01334127
IRS990/TotalLiabilitiesGrp/EOYAmt02117071
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0544854
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01004569
IRS990/TotalOtherCompensationAmt08528
IRS990/TotalProgramServiceExpensesAmt0408735
IRS990/TotalProgramServiceRevenueAmt082870
IRS990/TotalReportableCompFromOrgAmt0141000
IRS990/TotalRevenueGrp/ExclusionAmt02260
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt083607
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01364814
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt03
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01878981
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03121640
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt09017
IRS990/TravelGrp/TotalAmt09017
IRS990/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt01330000
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt02042225
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0450 ALASKAN WAY SOUTH SUITE 200
IRS990/USAddress/CityNm0SEATTLE
IRS990/USAddress/StateAbbreviationCd0WA
IRS990/USAddress/ZIPCd0981042785
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.COMMUNITYCREDITLAB.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02023-03-07 01:45:13Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0RYAN GLASGO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum02536930009
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-12-09
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/ZIPCd0981042785
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810987947

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,121,640
Liabilities
$2,117,071
Net assets
$1,004,569
Revenue
$1,364,814
Expenses
$905,099
Net income
$459,715
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
2022Detailed filing. Detailed filing data is available for this year.$3.12$2.12$1.00$1.36$0.91$0.46
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