Civic Intelligence

Community Credit Lab

990 • Fiscal year 2022 • EIN 84-1899948

Oct 01, 2022 to Dec 31, 2022 • Filed on May 03, 2023

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

(253) 693-0009

Siviq Scores

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

Liabilities / Assets

64th percentile

0.25x

Higher debt load relative to assets than 64% of similar nonprofits.

2022 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2022

Liabilities / Revenue

89th percentile

1.64x

Higher debt load relative to revenue than 89% of similar nonprofits.

2022 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2022

Net Margin

99th percentile

98%

Higher net margin than 99% of similar nonprofits.

2022 filings • 501(c)3 • $5M-$10M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2022

Asset Growth

98th percentile

253%

Faster asset growth than 98% of similar nonprofits.

2022 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Revenue Growth

91st percentile

86%

Faster revenue growth than 91% of similar nonprofits.

2022 filings • 501(c)3 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$6,635,083

Up $4,756,102 (+253%) from 2021

Net Assets

Up

$4,990,416

Up $4,445,562 (+816%) from 2021

Liabilities

Up

$1,644,667

Up $310,540 (+23%) from 2021

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin99th percentile

Revenue

Up

$1,003,534

Up $465,229 (+86%) from 2021

Expenses

Down

$17,687

Down $294,789 (-94%) from 2021

Net Income

Up

$985,847

Up $760,018 (+337%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth98th 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: $6,635,083Liabilities 2022: $1,644,667Net Assets 2022: $4,990,4162022Assets 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$6,635,083
Liabilities$1,644,667
Net Assets$4,990,416
Open 2022 Filing

Operations Trend

Revenue Growth91st 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: $1,003,534Expenses 2022: $17,687Net Income 2022: $985,8472022Revenue 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$1,003,534
Expenses$17,687
Net Income$985,847
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Oct 1, 2022 to Dec 31, 2022
Signed
May 3, 2023
Return Version
2022v5.0
Gross Receipts
$1,003,534
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$1,299,875$4,916,151▲ $3,616,276
Other Notes and Loans Receivable, Net$1,393,807$1,710,543▲ $316,736
Savings and Temporary Cash Investments$387,749$0▼ $387,749
Accounts Receivable$23,250$0▼ $23,250
Prepaid Expenses and Deferred Charges$16,959$8,389▼ $8,570
Total Assets$3,121,640$6,635,083▲ $3,513,443
Liabilities
Unsecured Notes Loans Payable$2,042,225$1,575,225▼ $467,000
Accounts Payable and Accrued Expenses$74,846$69,442▼ $5,404
Total Liabilities$2,117,071$1,644,667▼ $472,404
Net Assets / Fund Balance
Net Assets With Donor Restrictions$521,800$3,000,000▲ $2,478,200
Net Assets Without Donor Restrictions$482,769$1,990,416▲ $1,507,647
Total Net Assets Fund Balance$1,004,569$4,990,416▲ $3,985,847
Total Liabilities and Net Assets / Fund Balance$3,121,640$6,635,083▲ $3,513,443
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Sandhya NakhasiBoard Member/president
Rodney FoxworthBoard Member/vice President
Vivienne LeeBoard Member/secretary
Ryan GlasgoBoard Member/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$998,584
Program Service Revenue
$0
Investment Income
$4,950
Other Revenue
$0
All Other Contributions
$998,584
Change in Net Assets
$985,847
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,619
Salaries, Compensation, and Employee Benefits$2,068
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Employee Benefits-$2,068-$2,068
Information Technology$1,609$108-$1,717
Insurance-$1,537-$1,537
Fees for Services Accounting-$1,250-$1,250
All Other Expenses-$688-$688
Other Expenses$2,216$375-$375
Total Functional Expenses$3,825$13,862$0$17,687
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
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 A, Line 1A

“Common future is the sole voting member and determines and the size and composition of the board of directors subject to the terms and conditions set forth in the affiliation agreement.”

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
2023-05-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandhya Nakhasi
Formed
2019
Legal Domicile
Wa
Voting Board Members
1
Independent Board Members
0
Employees
5
Volunteers
0

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 XI, LINE 9:

“Temporarily restricted net assets 3,000,000.”

Raw XML Appendix351 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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IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0ON SEPTEMBER 28, 2022 COMMUNITY CREDIT LAB AND COMMON FUTURE ENTERED INTO AN AFFILIATION AGREEMENT WHEREAS COMMON FUTURE BECOMES THE SOLE VOTING MEMBER OF COMMUNITY CREDIT LAB. THE AFFILIATION AGREEMENT REQUIRES COMMUNITY CREDIT LAB TO ALTER THEIR FISCAL YEAR END TO AGREE TO COMMON FUTURE'S CALENDAR YEAR END.
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, SHORT YEAR EXPLANATION:
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IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0BASED ON THE AFFILIATION AGREEMENT BETWEEN COMMON FUTURE AND COMMUNITY CREDIT LAB, COMMON FUTURE BECOMES THE SOLE VOTING MEMBER OF COMMUNITY CREDIT LAB. COMMON FUTURE DETERMINES THE SIZE AND COMPOSITION OF COMMUNITY CREDIT LAB BOARD OF DIRECTORS.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 PART VII
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0COMMON FUTURE IS THE SOLE VOTING MEMBER AND DETERMINES AND THE SIZE AND COMPOSITION OF THE BOARD OF DIRECTORS SUBJECT TO THE TERMS AND CONDITIONS SET FORTH IN THE AFFILIATION AGREEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1COPY OF THE RETURN IS GIVEN TO THE BOARD FOR REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CONFLICT 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/ExplanationTxt3BENCHMARKING AND BOARD DISCUSSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE DOCUMENTS ARE AVAILABLE UPON REQUEST, ON CANDID & GUIDESTAR'S WEBSITE, AND ON THE ORGANIZATION'S WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5TEMPORARILY RESTRICTED NET ASSETS 3,000,000.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 1A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XI, LINE 9:
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IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
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IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0998584
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt013862
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt03825
IRS990/TotalFunctionalExpensesGrp/TotalAmt017687
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IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0WWW.COMMUNITYCREDITLAB.ORG
IRS990/WhistleblowerPolicyInd01
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ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0RYAN GLASGO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum02536930009
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-05-03
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810987947
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd098004
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ReturnHeader/PreparerPersonGrp/PreparationDt02023-05-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LINDSEY SAS CPA
ReturnHeader/ReturnTs02023-05-05T12:23:37-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0RYAN
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ReturnHeader/TaxPeriodBeginDt02022-10-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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Filings

Displayed year

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

Open filing
Assets
$6,635,083
Liabilities
$1,644,667
Net assets
$4,990,416
Revenue
$1,003,534
Expenses
$17,687
Net income
$985,847
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.$6.64$1.64$4.99$1.00$0.02$0.99
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